davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc (CA)

Debt collection agency has called repeatedly alleging I owe money from various different loans pertaining to my social security number and has also mentioned same thing in an email. Unsure of how information was obtained in the first place, but I have made it very clear that none of this makes sense to me and to please stop immediately. 

Instructions have not been followed and harassment continues. I have even received text messages as well from them. XXXX/ seems to be an automated service, nonetheless bothersome. 

I would love some assistance to A. Get this information out of their hands and B. Harassment to stop immediately Thank you
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DISCOVER BANK (IN)

Discover CC sent me a check offer to pay for services with extended time to make payments without interest after a small fee for it. I used the check to pay {$1500.00} on XX/XX/2023 for a job painting service that the painter XXXX XXXX XXXX was supposed to perform on my XXXX  room. After getting the check and caching it this person disappeared without performing any of the service promised. I contacted Discover Card CS and asked them to stop/retrieve the check and explained the reason, however, they told me they couldn't do it. I informed that I was victim of a scam, but it didn't change their resolution. I have also paid XXXX XXXX XXXX through XXXX 's transfers for his wife XXXX XXXX XXXX, in the amount of XXXX {$1100.00} from a total of XXXX {$2600.00} for a painting/flooring work quoted as U {$3300.00}. XXXX XXXX XXXX and XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and they advertise their scam business on the XXXX XXXX  and XXXX.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (AR)

There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identity transactions to be reported. I am requesting that the reporting of this information be blocked and removed. My request to block is not being made in error, nor is my request to block the identified transactions, not information related to any transaction by me as the consumer. You are required to do what I have asked to be done within four ( 4 ) days of this notice XXXX  update this info to all my reports for this action to be done to all my reports on any file being reported. They violated the law of safe lending rights. They also did fraud identity theft issues 15 1681 a ( g ), filling in false info without consent to do so with other companies. I need my deposits back. XXXX authorizations for release of info
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ATLANTIC UNION BANKSHARES CORPORATION (DC)

I called Atlantic Union Bank on XX/XX/2023 to ask how to adjust my monthly mortgage recurring payment online. I was asked several questions by the operator and then he put me on hold and never came back. 

I ultimately figured out how to adjust the payments myself online and hung up. 

However, I have asked to receive electronic statements and Atlantic Union Bank refuses to offer them. 

They know I, like many people, don't read my paper mail regularly. So, when my monthly payment increased by {$18.00} because of an increase in property taxes and escrow payments, I did not know the recurring payment I had scheduled for the 12 previous months was no longer correct. I was not aware until I got a call from the company 's debt collection service. Thankfully, they waived the late fee ( {$130.00} ) this time.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had been employed through a company known as XXXX XXXX and XXXX XXXX. They were supposed to put funds into my bank account via direct deposit on XXXX but I was told by the bank I was part of the 1 % impacted by that " error. '' The funds hit my account a number of days later. About a week later, on the XXXX, the company put a redacted amount for the total payment made. They were able to take the money I had earned out of my bank account. I called the BOA about this and they told me I had to speak with the company about this money being taken out of my account. They could not give an explanation as to why they were able to take this money out of my account. When I asked if this can happen often they said this is a " one off '', however I have yet to recieve that payment for the company which is due to me for services rendered and BOA has been no help or resolution in the matter.
Consumer complaint received 2023-12-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

Someone living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened up a victoria secret credit card in my name maxed out the card made payments for XXXX months then stopped and now my credit is suffering. I already contacted Victoria Secret credit department and reported fraud on the account.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Grain Technology, Inc. (AZ)

Basically a few years ago I opened an account with Grain using their app which is only on XXXX they have been promising for years that it would be on XXXX  too but never happened. Once I no longer had an XXXX it became next to impossible to make a payment on time. They would notify me of a payment but I have reach out to them on their website because theres no phone number listed to call to make a payment and then they would always send a link for me to make a XXXX time payment after my due date so I was always late once I couldnt use their app to make a payment
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (CA)

To whom it may concern, I have a credit card with Upgrade since XXXX, I requested to apply my military benefits to all my accounts back when my husband joined the XXXX XXXX in XXXX. However, Im not receiving any benefits on my credit card and I have been getting charged the regular interest rate instead of the reduce APR. Additionally, Im aware that a lender cant not deny or refuse to grant me credit, change my terms of my credit, revoke my loan or credit card account just because Im exercising my SCRA rights. Lastly, I would like to get a refund for the interest charges on this account. 
Respectfully, XXXX XXXX
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC. (AZ)

Getting calls from a company that calls themselves XXXX, does n't stand for anything. Looking for my whereabouts on an automated voicemail. Returned call, and they said that they were going to sue me for bank fraud, and have been looking for me since 2013. Never took out any loan at that time, as they told me that my bank account had insufficient funds to pay back. At first told me they were collecting, and as soon as I told them not to call and send something in writing, they rebuked, saying they never said they were in collections, they were just a " mediator ''. They had mine and my wife 's info, which is unsettling, also. They 've called previously, and I 've told them not to call, and to put it in writing, they ignore and continue to call. The number they give is XXXX.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MN)

On XXXX, I opened a high interest savings account with XXXX XXXX with {$12000.00} put in. On XXXX, I received an email stating that my account was fully funded. I checked the account ( online only ) on XXXX and saw there was nothing in there. No funds, no pending transactions... nothing. So I made another transfer for the same amount ( {$12000.00} ). Still nothing pending. On XXXX, XXXX XXXX withdrew {$25000.00} from my checking account ( XXXX XXXX XXXX resulting in a {$2500.00} overdraft. On XXXX, {$12000.00} was returned to my checking account. On XXXX, when I could still access my account, I attempted to make another {$2500.00} transfer but was denied because my account had been frozen due to " fraud. '' I have made repeated calls to the only customer service line available, and have received no answers. All I have been told is that someone from fraud will be calling me or I can call a fraud department number. Unfortunately, every time I call it immediately goes to voicemail, and also says that the mailbox is full. It has been almost three weeks since my account was frozen and I have received no help, no updates, and no anything.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

On XX/XX/2023 at approximately XXXX I received a call from a phone number that I recognized as my bank. I answered the phone and they informed me that my account was being flagged for suspicious activity and needed to verify transactions. It ended up being a scammer and they gained access to my account which they used to make XXXX fraudulent transactions in less than an hr for a total of {$2900.00}. They included an {$800.00} XXXX to themselves as well as XXXX consecutive transactions at a XXXX in XXXX, XXXX where they got {$100.00} cash back on every transaction. I live in NC and was at my residence at the time of the fraud. I filed police reports with XXXX different jurisdictions. I initially filed in the county that I live in and then they said that since the crime happened in Massachusetts, they had to forward it to Massachusetts and so I have reports from XXXX different police agencies, confirming that it is indeed fraud. With photos of the individual. I submitted this information to Chime and they denied my claim in less than XXXX hours.The same individual also got my wife for XXXX transactions at the very same XXXX and Chime investigated her transactions for a month and ended up finding that they were fraudulent, and they gave her her money back. Same scammer, same XXXX, and around the same time. But she had significantly less money that they could get. But my claim has been denied in less than XXXX hours every time. And this most recent time it was denied in about XXXX hours, and I provided both police reports with the photographs and all the evidence that they had. There were no security, features enabled, I got no alerts, I had no idea my money was even missing until the next morning. Chime did absolutely nothing to protect my money and now theyre refusing to give it back. Despite overwhelming evidence of fraud provided by XXXX different police departments.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

I had a mortgage with Wells Fargo since XXXX. I fell behind and got a XXXX  XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess Wells Fargo didn't Express to them that I still have the deferral amount which was the second mortgage and HAF Grant XXXX, would have paid that. 10 Wells Fargo said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to XXXX. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a transunion and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (TX)

I had about {$280.00} in my TD Convenience Checking Account, which I had opened since XXXX. I have not used it since but kept the minimum to leave the account open and received monthly notifications of account statements. However, on XX/XX/XXXX, it looks like I have stopped receiving statements. I went to log into my account and saw that they had closed my account without notifying me nor getting in touch with me on how I can receive the money I still had in my account. 

I called Customer Support and they have been no help in providing me information. They just say that I'm not a customer there and are clueless on what to do next.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This issue was previously removed from my credit almost a year ago and now its has damaged my credit score again and I feel its a case of double jeopardy. The account is not mine. I feel its best for me to not communicate with said company due to their tactics on gaining information.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been going round and round with this firm and they refuse to acknowledge that XXXX XXXX is the same as XXXX XXXX as I already provided them information about my name and gender change and in fact have credit cards in my new name as well as my old name. 

Captial One has refused to acknowledge and has engaged in discrimination against a protected class of persons in California under the Cal Civil Rights provision thus I am proceeding with a civil unlimited court action against Capital one for damages, against a protected person. 

I have filed several cases here but Capital One has refused to comply. 

Thus, I want my capital one checking account # XXXX - XXXX I have had for something like 10 years with Capital One. 

I have not had access to this account online as Capital One has refused me access even after repeated complaints here thus I want this account closed and ALL my monies in said account refunded to me forthwith to my address on file : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX AS i AM going to XXXX XXXX know which tort actions, I will be taking at XXXX XXXX XXXX against Capital One for fraudulent business practices against a protected class of citizens in California. 

If you need my present address it is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  CA XXXX ( XXXX ) XXXX But as I am graduating from XXXX XXXX at XXXX, I will be returning to California to prosecute this case. 

In the meantime, I want my money Capital One is withholding illegally in my checking account I don't have access too anymore online, thus I have damages to seek when Capital One is refusing to pay me back forthwith. 

Attached is my legal name/change in Ca I already provided them with and ID 's numerous times before. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone I lived with in XXXX  tried to deposit a check into my Bank of America checking account without my consent and the fraudulent check was rejected because it wasnt me. Bank of America closed the checking account and ever since I havent been able to open any checking accounts with any major banks.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (DC)

The information on my Experian report showcasing XXXX XXXX and XXXX being sold as an account I contacted the information in which the credit card was sold and was told that the information on my credit should not be shown as the company has not been reporting this fraudulent account on my credit. It stated that they are not able to report those type of information on my credit. 

Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report. And they have to do it for free. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

This account should be deleted off of my Experian Credit account immediately. Thank you in advance, I look forward to this account being deleted and not reported on my credit report I spoke to this agency on XX/XX/2024 at XXXX and was told this account should not be reported on my account by the debt collection agency XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Paypal Holdings, Inc (FL)

XXXX XXXX XXXX XXXX XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX watch, two XXXX XXXX credit cards, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying XXXX from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work XXXX a week. Can you please help me resolve this it has been going on to long.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX an unauthorized charge of {$170.00} was issued on my account. I called the bank to see what else had been charged, in total i saw two transactions that didnt look familiar. The {$170.00} charge, and a {$1.00} charge from XX/XX/XXXX that I did not remember. Claim was filed and letter was received saying the transactions were authorized and the claim was closed. I still did not authorize the charges. I lost my wallet, and I told that to the banker on the phone thus they sent me replacements for both my debit and credit cards.
Consumer complaint received 2023-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I paid the XXXX XXXX and XXXX XXXX property taxes the last week of XX/XX/2023 and informed Fay Servicing in writing with proof ( canceled bank checks ) on XX/XX/2023. 
Fay Servicing claims that they have paid those taxes in question and are charging me for it. I have emailed them as well as messaged them several times through their website, however, they have not made any adjustments to my mortgage payments to reflect that I have made these property tax payments myself.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Troy Capital, LLC (OH)

XXXX XXXX XXXX XXXX BACK IN 2008 I TOOK OUT A LINE OF CREDIT FOR I AM GETTING GARNISHMENT FROM TROY CAPITAL FOR A DEBT BACK IN 2008 AND i CAN NOT VERIFY THAT THE DEBT IS MINE