davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO Bank, N.A. (MN)

XX/XX/ 2020 a check for {$45000.00} was issued to me from my aunt XXXX XXXX XXXX. i deposited the check in the BMO Harris bank in XXXX MN account XXXX XXXX. I was not given a deposit receipt. Several weeks later I went to the bank and asked why the deposit was not in my checking account. XXXX XXXX, customer representative told me there had been " a break in the system and he could not verify if I had an account or whether I had made a deposit with them ''. I left in shock. Several months later I spoke with XXXX XXXX, Bank XXXX. asking him what had happened to my inheritance., he turned to his computer, did some typing and went to the printer and picked up a piece of paper and gave tome. It was the balance of my checking account. And said to me " Get out of here before I call the POLICE. No one is accusing me of wrong doing in MY BANK. THE BANK STOLE MY I NHERITANCE. Recently XXXX XXXX  XXXX  terminated my call after puting me on hold but mailed me XXXX acocunt XXXX XXXX XXXX, my account number and XXXX XXXX. Please help me. I never expected a bank to steal from a customer. You are the only chance I have for any help of recovery Thank you for your help XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western-Shamrock Corporation (TX)

A family member put my number down as a reference for her loan. I have already advised the finance company for them to stop calling since I am only a reference and they call me everyday. They tell me that they can not stop calling me till my family member calls to remove me as a reference. I work in a finance company as well and I know that is not true. Please I have exhausted all I can do to make them remove me from calling me but they seem not to care.
Consumer complaint received 2024-08-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

A few weeks ago I purchased a Visa gift cards loaded with {$500.00}. When I tried to use it, it never works. It declines any attempted transaction. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy and paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times several cards will decline, and will not work even with future attempted purchases.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I was charged monthly fees when I shouldnt have been. The bank advertised no fees if a customer made 10 or more debit card purchases and/or payments in a month., but instead the bank limited the types of eligible payments and didnt count debit transactions that were posted days later. I was also incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (VA)

I purchased a product with Paypal. The merchant charged me for a service that I did not agree to. 

I have been unable to have Paypal reverse the charge. 

I made a purchase for {$19.00} for a product named CreatorU that is apparently linked to a parent company XXXX. 

The product was underwhelming. When they sent a receipt, there was a link in the receipt that indicated terms and conditions. I didn't bother reading the terms and conditions as it seemed reasonable that they can not impose terms and conditions after the sale. 

I made the purchase on XX/XX/XXXX, On XX/XX/XXXX they charged my Paypal account {$140.00} without my permission. This is entirely unethical and unreasonable to charge me for a service that I didn't pay for. 

I have a receipt after I had already purchased their product send via email where they send a link with terms and conditions that reference a subscription, but after the sale. With provisions like this, conceivably they could have charged {$10000.00}. This is a one sided agreement. 

Paypal is asking me to provide a sale agreement that I never received or agreed to to begin with.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I paid off my loan and have an email from XXXX XXXX stating that fact. Nonetheless, XXXX XXXX failed to report that fact to all the credit bureaus. It shows that I still have a balance and the fact that the account was paid in full was never reported.
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (MS)

Here is what I am going through with Mr. Cooper. 

Today, XX/XX/year>, I just received another XXXX XXXXXXXX package with the modification papers. They have rejected the last ones. That was the third time the documents were rejected. I called when I received the first set and was told to leave where it says " The XXXXXXXX XXXX XXXXXXXX XXXX '' blank. Just sign my name. I sent them in, and they were rejected. The second set was sent, and I called two separate times. Asking them how they need to be done. ( We found an error on the paperwork. My last name was misspelled. It left the " XXXX '' off ). I was told just cross out " XXXX XXXX XXXX XXXXXXXX XXXX '' and put my initials by it. The Notary showed up to notarize the paperwork, and she called to find out how the papers needed to be signed. They advised her to cross out " The XXXX XXXX XXXX XXXX '' and advised her about my last name and she told us to cross out the incorrect spelling and write it the correct way and put my initials behind it. Those were rejected because nothing can cross out on the paperwork. I then received another set and called to find out the correct way to sign them. I spoke with XXXX, she told me to sign on the line above XXXX XXXX XXXX XXXX XXXX XXXX '' sign my name, Executor of the XXXX XXXX XXXX XXXX. '' Then I received a call from someone else and I explained to them what was going on and they told me to cross through, on the first pager, " TXXXX XXXX XXXX XXXXXXXX XXXX '' and leave the rest alone and just sign my name. Those were rejected because I crossed through " XXXX XXXX XXXX XXXX  XXXX '' and all places need to be signed. 

My mother did not assign an Executor nor leave a Will. We have known since childhood who is getting what was left. I have submitted all the Quit-Claim Deeds showing my name is on the house. I made all the payments to do the modification. 

This whole situation has me so frustrated with all these different things. I am having to gXXXX XXXX XXXX XXXX XXXX XXXX After I get the phone the associates at Mr. Cooper, I must lay down to calm myself down. Mr. Cooper needs to do something for me to compensate me for what I have gone through. 

XXXX XXXX ( XXXX ) XXXX cell
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc (TX)

I recieved an email stating that I made a large payment for some purchase on an item and that said item is being shipped to me. All that was tied to the email was a phone number, price amount, and tracking number. No customer service, email, or website to reconnect to. a phone number with an ID number to the product I " bought '' and some tracking number. 
I apparently was charged on my PayPal account, which is linked to my bank, " XXXX XXXX '' however, I did not see a charge for anything on my recent visit there. All of these expeirnces happened today XX/XX/year>
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MN)

XX/XX/2024, on a social media platform, XXXX XXXX, also known as XXXXXXXX XXXX, promoted his services stating that he is a certified paralegal with an XXXX license in the State of Delaware and knows how to help with court cases and Trust documents. He kept pushing his services on me, and since I have extenuating family circumstances, such as a severly ill family member, I needed assistance with my court case. XX/XX/2024, XXXX XXXX initially wanted to charge me XXXX, but then stated it will be XXXX via paypal with purchase gurantee, for the services. I tendered the payment, and thus he was supposed to send an agreement, with a gurantee clause with proof of his XXXX certification. Two days went by, and no response no paperwork by email. He was given all the information required. I then spoke with him, asking for the required paperwork. He gave me the run around. I then asked others on the social media platform if they have testimonies of his work ethics, and found out that he was blocked from other groups, because he had scammed others out of their money. I did some research and found he lost his cases and was not certified by the XXXX as a paralegal. I then submitted a claim to Paypal for the refund stating that I was a victim of fraud and a scam. I called them, and they stated it will take 10 days to complete the investigation, but this also means they are holding the funds from me. Claims of fraud and scam, by law, are permitted to be sent back to the customer. They are requesting the seller to send them a certified mailing number to release the funds to him, meanwhile, I alerted them he is a scam artist and fraud. I demand paypal to release the XXXX to me immediately. The funds are apart of Trust property, in such, the Trust will have rights to sue for each day the funds are withheld, up to {$5000.00} a day.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

As per agreement on XXXX XXXX  site where application was filed, I agreed to pay between : Annual fee $ XXXX {$120.00} for first year, $ XXXX thereafter Additional rates & fees Regular purchase APR 29.99 % and 36.00 % Intro balance transfer APR N/A Regular balance transfer APR 32.99 % and 36.00 % Cash advance APR 32.99 % and 36.00 % Cash advance fee 5 %, Min : {$5.00} Late fee up to {$41.00} Penalty APR None Balance transfer fee 3 % of the amount of each transfer Foreign transaction fee 3 % of each transaction amount in U.S. dollars Return payment fee up to {$41.00} Just highlighted some of the agreement above. Opened account On XX/XX/year>. I took a hit on credit score just to raise my credit score in the near future. I was charge {$170.00} maintenance fee all up front at XXXX for the whole year. ( Instead of the $ XXXX {$120.00} as promised ) I accepted it in hopes of my score soon to rise significantly. This was the 1st clue this was a bad company. 
Now On XX/XX/XXXX I received a letter stating my annual fee will be {$180.00} billed monthly at {$15.00}. Not the $ XXXX as previously promised. I called company and received no explanation to why I was being charged this amount against my application promise and they were not able to tell me after talking to 3 different departments and a supervisor. Only that it was the credit cards decision. I will tell you I paid perfectly every month even before due dates and keep an outstanding relationship with the company. I refused to renew this card at that amount and they said I have to cut the card up and not use it from this time on. Still after paying for a whole year already to use it. I had subscription and etc. coming out of this card. I said I still have 4 months left on the year I paid for and they said I could not use it if I refuse the maintenance fee now. That alone was unacceptable.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aargon Agency, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear AARGON AGNCY, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX XXXX state laws.

It has unequivocally come to my attention that AARGON AGNCY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. FurthermoreXXXX XXXX state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for AARGON AGNCY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that AARGON AGNCY immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AARGON AGNCY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Hi! This is XXXX XXXX my Citibank account is currently locked and has been locked since XX/XX/year>!! I have been relentlessly trying to get access to my money!!! I deposited my government refund check into this account and now Citibank blocked my account for no reason! They are stating that Citibank fraud department has sent out a Reference code for me to call and verify my identity! This has been their same response since XX/XX/year> and it is now XX/XX/year> and I still did NOT receive! I even asked if I can step into the branch and present my government issued Identification Card and Citibank refused to let me! I do not know what more do Citibank want me to do! I am not the only person that is going through this same situation! I have read over ten different articles about Citibank freezing their accounts for no reason! This is will be my second time reaching out regarding this matter! The previous representative that was assigned to my case was VERY RUDE!! When I explained to her to make sure the fraud department was sending my reference code to the correct address which is XXXX XXXX XXXX XXXX XXXX IL XXXX she told me that Citibank will send to a verified address and I do not know what address that maybe because I do not live anyplace else only XXXX XXXX XXXX XXXX XXXX IL. If Citibank does not want to release my funds I want my accounts closed and I want a cashiers check to be issued to my address that is on file l! This is ridiculous how do Citibank expect people to survive without their funds! This has been so stressful and very frustrating!!! If someone can please reach out to me about this situation as soon as possible! I am sick and tired of getting the run around and going back and forth with Citibank!! Down below I will attach documents from some of the articles online.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

Contacted via phone ( I did not have any other contact information at the time ) on XX/XX/XXXX requesting details of a collection placed on my credit report. I had received no prior communication before this date. I was informed that this was a medical debt from XX/XX/XXXX ( which is not how it is reported on my credit report ), when I asked for proof such as original account number and service provider ; I was told that a formal letter with details would be sent to me for dispute purposes. This was never received, at which point ( XX/XX/XXXX ) I filed a dispute with XXXX, XXXX, and XXXX. These disputes yielded no further information. Based on the limited information provided via phone, this collection also ( if it is even a valid debt yet to be verified ) violates Florida Statute HB XXXX which limits medical debt collections to a five-year statute of limitations. Credit reporting currently inaccurately lists my collection as {$820.00} opened XX/XX/XXXX with an original creditor as XXXX XXXX XXXXXXXX XXXX who is not an original creditor but another debt collector I have no prior knowledge of or communication from.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo Premiere phone line the week of XX/XX/year>. I asked for my call to be escalated to a higher level. Initially they said that wasn't possible without a waiting period to be sent to the " Executive Office. '' I called back again and at that point the representative said she could transfer me to the " Executive Office '' at that moment. I was transferred to someone in the Executive Office WHO WAS IN ANOTHER COUNTRY! I was completely blown away by the fact that this person who is supposedly a part of the " escalation team '' is actually in some other country and HAS ACCESS TO MY BANK ACCOUNT! Given the state of the world, and all the hacking incidents with data breaching, etc. - I was shocked and horrified to find that all my sensitive info ( and potential theft of my funds ) was so easily exposed by an institution we are supposed to TRUST. 

When we see in the news there were breaches in these large companies, it is no longer a surprise to me. They are literally ASKING to be hacked. I would like someone to call me and explain to me how this is OK? Or I will be withdrawing a rather large amount of money and closing my account. 

Furthermore, anyone I do reach ( in the US or outside ) are so poorly trained and never seem to be able to resolve any issues I have. This is ALL NEW for Wells Fargo but they should be stopped from exposing people 's most sensitive information and frankly some people 's life savings.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (MO)

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Please provide the original contract agreement as well. The following account ( Axcess financial ) is reporting a balance of ( {$4400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$4400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DE)

I created a venmo acouunt and verified my identity before i set up my direct deposit to avoid any issues moving forward. Once they recieved my direct deposit they froze my account immediately and now i am unable too use my funds. I have called XXXX and nobody can help me, they have no way to contact the deptartment that handles this other than via email and i have been hung up on more times than i can count.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IA)

When I opened the checking account, CITI was offering a bank bonus for new checking accounts. There were terms of making XXXX dollars within 90 days that I met. After meeting those deposit requirements I was supposed to receive XXXX dollars. I confirmed with a customer service agent after opening the account was eligible for the sign up bonus. Secondary communication with CITI said there was no sign up bonus at the time I signed up. I feel like CITI used false advertising to sign me up for a new checking account then yanked the rug out from me.