davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX # XXXX, a XXXX XXXX issued me a case # XXXX. His first instruction was to open my banking app to the XXXX payment function and add an billing agent XXXX XXXX XXXX XXXXXXXX ) an send a code XXXX with memo XXXX XXXXXXXX, confirmation # XXXX, to also screen shot the payment image to a office community number XXXX. The next protocol was to add billing agent XXXX XXXX ( XXXX ) in the app and send code XXXX with memo XXXX, confirmation # XXXX, also to send screen shot of the payment image to that same XXXX. XXXX then informed me that the original code of XXXX to XXXX XXXX had expired/not submitted timely and that XXXX would now tackle this issue by sending code XXXX with memo XXXX, confirmation # XXXX, with again sending the screenshot to community number XXXX. At this point, XXXX thanked me for my vigilance, that I would be receiving a survey in my email about my experience, that I would be transferred to a Bank Security Officer to file a police report to finalize the incident. XXXX XXXX XXXX went over and discussed with me the prior actions and codes that were issued to verify myself and remedy the situation, he then had me send a code XXXX to agent XXXX XXXX to finalize the incident, that I would be contacted within 24 hours to reassure any and all refunds were performed. I did receive those ( 2 ) calls at XXXX & XXXX the following day but was unable to answer. When home Wednesday evening, I had telephoned my mother who said that she was approached in the same manner, same suspicious transactions ( {$990.00} & {$1300.00} ) and a new bank account in her name with her phone number. She immediately hung up the phone after discussing my experience the day prior. This alerted me to check my account and no funds had been refunded. I contacted Bank of America Thursday morning where they verified that I had been scammed. XXXX XXXX was great and issued me case # XXXX. I filed with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, # XXXX and he has issued me case # XXXX. Sadly through my research that this has been ongoing and an issue that BOA has been fully aware of ( since XXXX ) and still highly promotes the app as highly secure but with a clause that because I initiated the payments that my funds are unrecoverable. Fraud through XXXX apparently has been mounting tremendously that the issue has made it to Congress where BOA and the other banks that helped create it warned/instructed to do better. Through my research and conversations that even through my due diligence I was unknowingly a victim by very good imposters who spoofed BOA Fraud and XXXX phone numbers. They were familiar with the Banking protocols that I had experience previously.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED COMMUNITY BANK (GA)

On Monday XX/XX/XXXX around XXXX I go to the ATM to deposit XXXX dollars from what I just made from work, it's raining really hard and everything on the screen is working until it comes time to deposit money, so I put the XXXX in. And then the screen freezes up for 3 mintues, and it says it's going to redistribute the cash back to me to try again but it never gave me my money back or confirmed the amount. So now my XXXX is gone.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> at XXXX XXXX, I called the Wells Fargo customer service number XXXX to file a legitimate claim on my checking account for {$13.00}. I had ordered at a restaurant online, the business was permanently shut down when I arrived, so I called Wells Fargo to request this {$13.00} back. They gave me a credit and I thought the issue was solved. At XXXX XXXX, the same exact Wells Fargo customer service number XXXX is calling me back. I answer, and they identify themselves as from the Wells Fargo Claims department. They notify me over the phone that someone has accessed my online banking account, and has transferred {$340.00} from my savings to my checking account, and made two cash advances from my two credit cards, one for {$1200.00}, and one for {$1500.00} to my checking account. While he is telling me this over the phone, I log into the Wells Fargo app and I see these cash advances that someone had made in my account. The representative on the phone was in my online banking, and he said that my debit card was compromised, so he issued me a new debit card that ended in XXXX. My previous debit card ended in XXXX. I am not sure how he could have given me a new debit card number over the phone if this was not a Wells Fargo representative. He instructed me to add the new Wells Fargo debit card to my XXXX XXXX so I could have access to my funds while I waited for the new card in the mail. From there, since they were in my online banking making the cash advances already, they were able to access the new Wells Fargo debit card he gave me over the phone, and transfer {$3100.00} from my checking, to a XXXX XXXX. Before I was called back by this Wells Fargo Number, someone was already in my account making cash advances, I am not sure how the money was transferred from the new debit card they issued me over the phone, to the XXXX. And I find this whole situation incredibly suspicious, considering I originally called Wells Fargo to make a legitimate {$13.00} claim, and miraculously someone is in my online banking account two hours later. 

Wells Fargo has said that I won the claim against my credit cards, but they will not reverse the charges since the money was transferred from my checking account, out to this scammers account.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NM)

On XXXX XX/XX/2024, I saw that on my XXXX Credit Report that there was a Hard Inquiry that I did not recognize. The Hard Inquiry is from XXXX XX/XX/2024 from a CB INDIGO XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX I called the number and it asked for my XXXX XXXX Social Security number, I did NOT enter it and waited for a prompt to speak to a representative. I pressed one to talk to a representative and it directed me to a promoted saying this a debt collection service I waited on hold but never got to speak with a representative. I called XXXX to report the Hard Inquiry as fraudulent/unauthorized. 

I have never heard of this bank and have never done business with them. I believe this company to be a scam/fraudulent company trying to open credit accounts using my identity.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Independent Savings Plan Co. (FL)

I paid this company off because my home was in foreclosure and I could sell it because ISPC put a lien on my property. So in order to sell my home part of the deal was to satisfy the account. Well i was able to sell the home and satisfied all accounts that were under lien status. I have a {$0.00} balance with all my credit reporting agency but its affecting my credit score as it is inaccurately reporting on my account. I paid this off XX/XX/year>. This shouldve been reported no longer than the month after and deleted from my credit reporting accounts. Also to add I didnt know that ISPC is Collection agency and my account was sold and bought by them by the previous company which violates my rights under 15 U.S. Code 1692G. Had I wouldve known that back then I wouldve never paid them and got the whole thing discharged before I sold my home. Its unfortunate how the get over on WE THE PEOPLE.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

For the second time in years, Citi Cards misapplied funds for one account into our other account. We use our credit union to make bill payments and in XXXX, and Citi applied both amounts to one of our accounts; leaving one account past due. No text, email, or phone call was made to me until XXXX couldn't process a payment and I contacted Citi. 

I have been with Citi Cards for over 23 years and always pay before it is due. My wife is also on this card. Years ago, my wife also got her own card as a backup, I am also on this card. We also travel a lot, including internationally. 

Each credit card has its own account number of course, and that is on the bill pay with our credit union. The payments went out 3 days apart due to their respective due dates. 

When I found out about the issue, XX/XX/XXXX, I called and a rep reversed the amount and applied it into the correct account. On XX/XX/XXXX, I called again and said I wanted to make a " complaint '' and wanted a supervisor. XXXX took all my information but they do not have a reference number for the complaint, nor will Citi send me a personalized letter stating how this happened ; and what they are doing to ensure it doesn't happen again. 

I believe this issue is happening to others and systemic issue with Citi.
Consumer complaint received 2024-07-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XX/XX/year> I check my credit card statement via the mobile app and see a {$6200.00} charge that I did not make. The charge was from the previous day ( XX/XX/year> ) made at a company called XXXX XXXX XXXX XXXX XXXX. 
I immediately contact my credit card company, USAA, and report the issue. The card is canceled and a fraud investigation is initiated. I am told that my account will be credited the money while the investigation occurs and that the fraud department will be in touch if they need anymore information from me. At this point, I believe that USAA is trying to help me through this stressful time of victimization. 
Days pass and I don't hear anything from the fraud department. I trust that they have found this to indeed to a fraudulent charge. Meanwhile other fraudulent charges are being attempted and denied on my canceled card. Weeks pass and I begin to have confidence that this nightmare is over. 
Then roughly XXXX weeks later on XX/XX/year> the {$6200.00} charge reappears on my card. I call USAA to inquire about this and initially the customer services reps can not tell me why this charge is back as there has been no letter or report from the fraud department. Several days later I do receive a message from the fraud department simply saying that my fraud claim has been denied and that I am responsible for the {$6200.00}! 
They have given me no reasons for the outcome of their investigation and no other information for their findings. I can not even make contact with them. I have called and asked for an explanation on multiple occasions but will not be put through with anyone in the fraud department. I have asked the service reps what information they need to help them believe me and they have no answer for me. 
They do not seek the truth of the matter. They don't want it to be fraud. They only want to deny and delay and hope that I will go away. 
I have been a customer of USAA for XXXX  years and the one time that I need them to believe me that I have been a victim of credit card fraud, they have basically called me a liar. 
They have this whole facade of being an organization that helps military and veterans. Well, I am a veteran and they are being anything but helpful in this matter.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To Whom This May Concern, PORTFOLIO RECOVERY ASSOCIATES LLC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( PORTFOLIO RECOVERY ASSOCIATES LLC ) communicating with me through email/text/calls. I would also like to request the purchase agreement between PORTFOLIO RECOVERY ASSOCIATES LLC and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

THE COLLECTIONS ARE BEING REPORTED IN MY CREDIT HISTORY WHERE IN MY OPINION THERE IS NO REASON FOR THIS DUE TO THE FACT THAT I HAVE NOT BEEN THE RECIPIENT OF ANY PRIOR NOTICE FROM THIS COMPANY OR FROM ANY OF MY CREDITORS WITH WHOM I HAVE A RELATIONSHIP, BEING ABLE TO MENTION THE FACT THAT I HAVE HAD NO RELATIONSHIP WITH THIS COMPANY.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4200.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-12-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CO)

I was never contacted in any way of paying the end balance. Whenever I realized that they werent charging my bank I made full payment of the account to pay off the small amount. but because of issues with the banks they have put XXXX late payments on my report. I have always been on time with them and have always paid up loans.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL STUDENT LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAION/ # XXXX
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

This complaint concerns a {$36.00} overdraft fee charged on XX/XX/XXXX. Previously, on XX/XX/XXXX, after experiencing an overdraft, I had explicitly requested that the bank disable the overdraft feature on my account. This was to ensure that any transactions exceeding my account balance would be declined rather than covered with an overdraft fee. Despite this, I was still charged an overdraft fee on XX/XX/XXXX. 

Upon contacting customer service, they confirmed my request to opt-out of the overdraft service and advised me to visit a branch for a fee refund. On XX/XX/XXXX, I went to the branch located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX There, the senior banker initially declined my refund request without reviewing my account details. After I insisted on a review, the senior banker acknowledged my account settings but still refused to issue a refund. Unprofessionally, she suggested that I should close my account if I was unsatisfied with their service.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EAST WEST BANK (CA)

On XX/XX/XXXX, I went to this bank to apply for a POA ( Power of Attorney ) for my father and provided all the legal documents. A week later, the bank informed me that they needed a doctor 's certification proving that my father couldn't go to the bank in person. ( At the same time, I handled the same request with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. The first XXXX banks processed it on the same day, and XXXX XXXX  took XXXX week. ) So, I provided a hospital admission certificate for my father. Another week later, the bank notified me that without a doctor 's signature, they couldn't proceed. I then provided the doctor 's signature from when my father was admitted. A week later, the bank informed me that the doctor didn't specifically state that my father was unable to handle transactions, so they couldn't process it. I provided a XXXX  statement indicating that my father was XXXX  and wouldn't be XXXX soon. A week later, the bank staff informed me that their manager, XXXX XXXX, refused to proceed and insisted on a specific note from the doctor stating that my father couldn't handle any financial matters. 

To date, five weeks have passed, and the matter is still unresolved. This experience makes me feel that the bank manager, XXXX XXXX, does not care about customer needs or state laws. He only seems to enjoy the pleasure of rejecting customer requests and the power he holds.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NJ)

My mortgage was transferred from XXXX XXXX to Shellpoint mortgage in XX/XX/XXXX after being with XXXX since XXXX. Issues atarted immediately after the morgage compnaies changed.

1. They hid all the previous morgage transaction records and hostorical records.

2. Disbaled access to the previous website and redirected the pages to newrez ( shellpoint ) website.

3. Auto scheduled payments wre pulled out of the bank account multiple times and payments were not applied to the loan!. When disputed they returned one payment back by mailing a check.

4. For the manual payment that was setup aftre speaking to the service rep from a differeny bank account, the amount was taken from the bank account, but the amount was negated in the transaction list.

5. They have stopped taking the customer calls, chat message option seem to a fraud. Nver responfds to any emails set out. Over all they seem to be running a BIG SCAM at this point of time. 

Request you to look into this ASAP as they might abscond soon.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (DE)

There is an account from TRANSWORLD SYSTEMS I showing up on my credit report for {$620.00} and I do not have any debt with them. Ticket master just sent me an email that my information was compromised and this account is fake