davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/2023, I was scammed out of {$350.00} from my XXXX account by someone claiming to be a customer service support representative for XXXXXXXX XXXX XXXX XXXX I called a phone number I had gotten through a XXXXXXXX XXXX XXXX on my XXXX as I needed assistance with my advertising and billing account for a website I have online. The person with an XXXX accent who answered my call was going to help me with any issues I was having and proceeded to fabricate a very elaborate and believable story to fool me into authorizing a withdrawal out of my XXXX account with a fictious name of his manager ( XXXX XXXX with XXXX XXXX XXXX ) I was tricked into believing his story as he guided me through a series of steps and commands to put malware on my phone, while constantly telling me that he was going to help me with my issues that I was having. I was guided into my XXXX account and tricked into authorizing a {$350.00} payment which he had taken control over my account and I could see him actually entering the dollar amount on my XXXX account. As I was realizing that I had been compromised, I was pleading with him not to debit the money, but he kept telling me that he needed to debit it, but was going to credit it back into the account. After I finally felt very suspicious and became very uncomfortable with the whole conversation, I was able to avoid another {$350.00} transaction he was trying to debit out of my account a second time, but could not. I hung up the call and immediately closed out my checking account and debit card with TD Bank. I also removed and deleted any of the malware the scammer put on my phone as I was able to uninstall it. I informed the Fraud department at TD Bank and contacted XXXX as well of the scam and they put in claims on more than two occasions, but the claims were denied as the fraud was authorized by me. With phone calls to Both TD Bank and XXXX and speaking to supervisors, I was told that there is nothing that they can do as my claims were denied. I am very disappointed with TD Bank as they could not help me even though I am a long time customer and XXXX is supported by TD Bank, but I could not get my money back even though I did everything by protocol. I had no consumer protection and I am very upset with the whole situation.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have asked for Equifax to investigate two inquiries one from Equifax Mortgages and another from XXXX XXXX. The have refused to do so even after I have told them that the injuries are fraudulent.
Consumer complaint received 2024-02-16
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: FIRST NATIONAL BANK OF OMAHA (AZ)

On XXXX XX/XX/2023 I applied from my house in Arizona for a XXXX XXXX  credit card through First National Bank of Omaha and was instantly approved. However, before I received the card I traveled to XXXX XXXX ( where I am from originally ). I had intended to receive the card when I returned. 
However, family matters meant that I had to stay in XXXX XXXX longer than anticipated, and First Bank of Omaha required me to call. They sent regular mail to the address in Arizona, but I did not receive it. Eventually I did call, in late XXXX, but they reported that because they didn't hear from me that they closed the account. I thought that was all ; I told the rep that I would apply again when I return to the US and he agreed that I could. 
What I did not know was that they, despite closing the account, charged me the annual fee and did not reverse it upon closing the card. They mailed paper statements to my address in Arizona for three straight months ; I did not know of this obligation and no email, text message, or phone call came from them during the 90 days I did not pay this annual fee. I only became aware of it when my credit monitoring service notified me that a 'past-90-days-late ' notice had been listed on my credit report in XXXX of 2023. My credit score dropped XXXX points. I found it it was First National Bank of Omaha 's XXXX XXXX card causing this and called them, but the representative I spoke with demanded a payment to cover the annual fee and penalties/interest. Not knowing what else to do, I paid them and asked them to investigate as I was told that the account had been closed. No one had mentioned that I owed an annual fee on this closed account. 
As proof, I have a letter from First National Bank of Omaha 's Fraud Prevention department dated XXXX XX/XX/2023 informing me that the account was closed. There is no mention of a balance due. I did not use the card as I did not have a chance to do so. I had no log-in or reason to go to their website and did not think there was any action required on my part as they had closed my account before I had had the chance to use it. 
I have heard nothing from them for more than six months. I would like 1 ) my payment returned and 2 ) my detrimental mark on my credit report removed. Other banks ( XXXX XXXX XXXX for one ) sent me mail informing me that they were lowering my available credit limit as a result of my missing this unknown payment to FNBO. Again, my credit score, up to that point reflecting my perfect credit at over 800, dropped almost 100 points. 
I have attached the original letter informing me that the account was closed, and two letters from XXXX XXXX  XXXX informing me that my credit line has been reduced ( clearly as a result of this situation ).
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I received an email from Wells Fargo stating that they will be closing my checking and savings account by XX/XX/XXXX " because of one or more money transfers to your account reported as unauthorized. '' As the only person on the account I was not aware of any unauthorized activity so I contacted Wells Fargo assuming this could be resolved quickly. Until then, I had no access to my money and no money was allowed to leave my account, or so I was told. 

On XX/XX/XXXX a wire transfer was initiated from my checking account for {$9300.00}. I did not give consent, nor was I ever notified of this transfer. When I checked my account and saw the transfer I contacted the bank immediately and was told it was initiated from a branch in XXXX, far away from my local branch in XXXX, and that it must be identity fraud. They suggested I go to the local branch with proof of ID to sort it out. That's when things got really weird. 

The bankers I had met with before about my frozen account suddenly disappeared and the manager hid behind a locked door. I was told everyone was busy and make an appointment at another branch. This was urgent for me so I decided to wait. Eventually someone came out and dialed a phone and passed it to me - without any communication to me or the person on the phone - but somehow the person on the phone knew the issue and was very rude and accusatory. When I asked for the case number, she XXXX XXXX XXXX gave me a different number ( XXXX ) than the case number provided in my email communications with the bank ( XXXX XXXXWells Fargo claims that a wire transfer to my account on XX/XX/XXXX in the amount of {$9500.00} was flagged as fraudulent. That account belonged to my father and I had been granted temporary guardianship, with sole control of his account, so I knew it hadn't been flagged as fraudulent. 

Unfortunately, my father passed the evening of XX/XX/XXXX and in my grief I stupidly believed Wells Fargo was speaking truthfully. I now know it was Wells Fargo that flagged my account on XX/XX/XXXX and when I went into the local branch and told them about my father passing and it was his account... they started demanded documentation they didn't really need because my father 's bank wasn't asking for the money to be returned, which I have since verified with them. 

I would greatly appreciate your help in finding out where the {$9300.00} from my account was wired to and who authorized it. I have requested this information from Wells Fargo many times and they will not provide it. They have now closed my accounts and soon I will not have access my records.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (IL)

Ive tried to reach out via all three credit bureaus to have them confirm and remove this that that isnt mines! The company is reporting that theyve certified that this debt belongs to me without proper proof. I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at XXXX XXXX. In 2015, I lost my wallet at the store located at XXXX XXXX Located In The Center Next To XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. 

Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft. 

I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 

Thank you for your attention to this matter
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied a CapitalOne QuickSilver credit card in XX/XX/2023 through CapitalOne 's own link on their website. ( See pictures attached below ). It says if I spend {$500.00} in the first XXXX months I will get {$200.00} bonus. However, I did spend more than {$500.00} in the first XXXX months but I did not get the bonus. I called CapitalOne card customer service and talked to a XXXX. But she said I got 1.5 % cash back on my purchase so I can not get the {$200.00}. 
What she said is not true. The attached page clearly shows it's not I can not get only XXXX of them and I should get both 1.5 % cash back and {$200.00} bonus. 
I searched online and found many people have exactly the same experience as mine. It looks like CapitalOne is doing this on purpose. They are using this improper advertising practice to attract people to become their card holders. 
My credit card ends with XXXX, which can be used to identify my account.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SF VAGO, LLC (NM)

I have tried to rectify this with EMLVP LLC/XXXX  as well as the credit bureaus XXXXumerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/XXXX - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and EMVLP took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on Repo laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.
Consumer complaint received 2024-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

i did not authorize these inquiries i did not authorize these companies to run my credit this is fraudulent the companies are : capital one XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX
Consumer complaint received 2024-05-24
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (MD)

On XX/XX/XXXX my family and I went to XXXX  XXXX XXXX and stayed until the XXXX. Before we left for the trip we asked if we could us gift cards or prepaid cards to pay for our trip and the agent said that we could. So once we arrived we went to the counter we presented the prepaid cards to the agent only to find out that we could not use them. We turned one prepaid card into a regular gift card for XXXX dollars, but the XXXX dollar prepaid card was not able to be used. So after arriving home I called the Netspend company and explained the situation to them and all the keep telling me is that it takes six businees hours to refund my money but it has yet to be done. I have been fighting with the company for eight days now and nothing has been done so I told them that i would take legal action if my money was not refunded I purchased the prepaid cards from the XXXX in XXXX Maryland and was even told to go to the merchant but the merchant was unable to help or refund the money. So I am hoping you can help me with this issue. I have tried to speak to a manager at Netspend but nothing is getting resolved. The prepaid Netspend card with the XXXX dollars on it is in pending status hand has been since the XXXX.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My partner and I opened a Bank of America joint Adv SafeBalance account ( # XXXX ) online on XX/XX/2024. I was able to authenticate and access the account online ; however, my partner XXXX XXXX XXXX ) was unable to for unknown reasons. When trying through both the app and the website, neither would acknowledge his social security number as associated with the account. We contacted customer service via phone and were told to wait a few days and/or until the debit cards arrived for him to try again on creating his profile online. On the afternoon of XX/XX/2024, I also lost access to the account online and was told I had to go into a financial center to regain access to the account. No explanation was provided at that time. 

On XX/XX/2024, we visited the XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC ) to regain access to the account. Upon speaking with XXXX bankers, we learned that the account had been frozen/closed due to suspected debit card fraud or apparently failure to properly authenticate the owners. I can only assume this was somehow due to my partner 's information not being associated with the account despite him being a co-applicant or some other operational error on BoA 's side. In any case, we opened another joint account at the financial center which would have been the end of the issue. However, prior to losing access to the original account, I had transferred into it {$250.00} and that is where the problem continues today. 

While at the XXXX XXXX on XX/XX/XXXX, the banker stated that he had initiated a process whereby the frozen account would be closed and a check would be mailed to me within XXXX business days. As of today XX/XX/XXXX, after having visited that same financial center again, the {$250.00} remains in the frozen/closed account. I told the manager of that branch today that I really needed access to those {$250.00} and requested that I be given a {$250.00} cashiers check, and that BoA could just keep the funds in the closed account. The manager essentially told me there was nothing he could do and that I would just have to wait for the check to be sent to me. Neither he, the banker I worked with directly, nor the representatives they had on the phone today could tell me when I would be getting the check, even though it's already been nearly XXXX weeks since first trying to resolve this issue. 

This has been an incredibly frustrating experience, and I left that XXXX XXXX  today feeling like Bank of America did not care about me as a customer needing access to their funds or really even as a person taking time out of their day and visiting a branch ( for the second time ) trying to resolve a problem that was no fault of their own. I requested that the second account be closed, but I really would just like my {$250.00} so that I can move on.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

On XX/XX/XXXX, i was working whenever i received a call from my bank USAA stating someone was attempting to take {$1000.00} from my savings account. i was worried and my family has had scammer issues lately, so i believed it in the moment. During the phone call I was sent texts with verification codes claiming to be from USAA, so i gave it to the caller. They asked to guide me by telling me to share my phone screen with them, and help transfer funds from my savings account to my checking account. Then they told me I was going to get a new card and to temporarily hold the funds on a card they gave me information for in the downtime. then i began transferring funds in the balances told : On XX/XX/XXXX around XXXX - + {$500.00}, + {$510.00}, and + {$520.00} were added onto XXXX XXXX XXXX then transferred {$1500.00} to XXXX XXXX XXXX XXXX callers card info ). Again on XX/XX/XXXX around XXXX + {$520.00}, + {$540.00}, + {$510.00}, + {$520.00}, + {$500.00}, + {$200.00}, were added again onto XXXX XXXX XXXX, next another transfer was made to XXXX XXXX XXXX for {$2700.00} for a total of {$4300.00} sent to the card information i was told to temporarily hold funds on. 
After these transactions they told me i would be receiving the card i just transferred all the funds onto, and my current ( at the time ) debit card would be compromised. it was followed by the caller swiftly hanging up and then called my parents to tell them i saved my account, my bank just called and they told me the area code of the Caller ID calling me didnt match my banks location. We realized i was scammed so I left work to go home and call USAAs fraud department, sparking an investigation. 
I released all the evidence of the incident through screenshots of the transaction history and the brief card information available still on the account. i also gave them the phone number that called me but after many days i was given a provisional credit which was revoked upon the cases decline. Prompting me to contact CFPB.
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Walmart/CAPITAL One, account number # XXXX I sent a letter on XXXX XXXX requesting arbitration but the company never responded to certified return receipt letter to the legal department. So, I called to see if they received my letter but was ignored and sent around to several departments. They said they could not locate my letter. I disputed security fraud.see certified return receipt # XXXX XXXX XXXX XXXX XXXX letter attached. 

XXXX XXXX
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (OR)

In regards to newrez/ShellPoint Mortgage -We applied for PMI cancelation XX/XX/XXXX. Our monthly PMI is {$210.00} which seems astronomical. We submitted a list of improvements and paid {$190.00} for an appraisal. 
XXXXWe finally received written confirmation from the company, NewRez, that PMI would be cancelled XX/XX/XXXX. 
-I reached out in XXXX and was told PMI would be removed and our mortgage payment adjusted XX/XX/XXXX. This did not occur. 
-I reached back out XX/XX/XXXX and was told the payment would be adjusted for XXXX and I should check back XX/XX/XXXX to confirm. 
-I reached out XX/XX/XXXX and was told the PMI removal request is still under process. I was told, " As checked the PMI task cancelled as your loan is less than 2 years old. you must submit a list of improvements. These are not our guidelines, these are XXXX XXXX. Loans that are less than 2 years old must have had substantial improvements to the property. Meaning updated bathroom, kitchen etc. '' -As previously noted I had already done this and was approved for PMI cancellation.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my Fifth Third Bank Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my Fifth Third Bank Cred Card account XXXX Fifth Third Bank re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and Fifth Third Bank refused to investigate properly and correct the erroneous information.