davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO Bank, N.A. (NY)

Dear Consumer Financial Protection Bureau, I am writing to urgently file a formal complaint against BMO due to the sudden closure of my checking account ( Account Number : XXXX ), which was opened with the promise of a {$600.00} sign-up bonus. 

Background Information : On XX/XX/2023, I opened a checking account with BMO with the understanding that I would receive a {$600.00} sign-up bonus. Regrettably, my account was closed without any prior notice, causing significant confusion and delay in my funding activities. I suspect that the closure may be related to an attempt by my husband to send a Direct Deposit ( DD ) to my account. 

Importance of Checking Account : I would like to emphasize that my checking account is of utmost importance to me, serving as a vital component of my financial affairs. The unexpected closure has not only disrupted my financial planning but has also caused confusion and delay in receiving crucial funds. 

Sign-Up Bonus and Fraud Concerns : Given the sudden closure of my account and the lack of a clear explanation, I am increasingly concerned about the legitimacy of the promised {$600.00} sign-up bonus. This situation raises serious questions about potential fraudulent practices by BMO. 

Attempts to Resolve : Despite multiple attempts, I have been unable to obtain a satisfactory explanation from BMO regarding the account closure. I have attached copies of my communication attempts, including emails and phone call records, for your review. 
Contact Information : You can reach me at the provided contact information for any further communication related to this complaint. 

I appreciate your swift attention to this matter and trust that the Consumer Financial Protection Bureau will play a crucial role in resolving this issue promptly. 

Thank you for your urgent assistance.
Consumer complaint received 2023-12-28
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. (VA)

On XX/XX/2023, my in-laws purchased two {$100.00} prepaid VISA debit cards at a XXXX in XXXX. 

The prepaid VISA debit cards are ( a ) issued by XXXX, XXXX, pursuant to a license from XXXX XXXX, XXXX ; ( b ) distributed and serviced by InComm Financial Services , Inc. ; and ( c ) sold by XXXX  online and in physical stores. My in-laws mailed these cards to XXXX  via the U.S. Postal Service. 

We opened the prepaid VISA debit cards on XXXX morning. We activated the cards, confirmed the {$100.00} balances, and set PINs for each card on XXXX, as directed on the back of each card and in the user agreement. 

We attempted to use the prepaid VISA debit cards online that day. Transactions with various online vendors, including XXXX, XXXX, XXXX, and XXXX, repeatedly were declined. We also attempted to use the {$100.00} prepaid VISA debit cards cards in physical stores on XX/XX/2023, but these transactions also were declined. 

On Thursday, XX/XX/XXXX, we attempted to return the cards to XXXX. XXXX refused the return, stating that their policy does not allow returns of VISA prepaid cards because so many customers have difficulty with them. 

We then called an InComm customer service representative at ( XXXX ) XXXX ( case ID # XXXX and # XXXX ). We were offered a replacement card within 7-10 days. InComm refused to send a refund, even though the customer service representative could not guarantee that the replacement cards would work. InComm also insisted that I provide a copy of my driver 's license, photos of the cards, and a receipt for the purchase, even though I explained several times that the cards had been a gift and the only proof of purchase was the card itself and the balance print out from XXXX.

An Internet search reveals numerous complaints about problems with XXXX/InComm prepaid VISA debit cards, including by consumers who used prepaid cards in lieu of a traditional bank account and then could not access their funds. As stated above, XXXX has instituted a policy of refusing refunds for prepaid VISA debit card purchases because problems with them have been so prevalent. 

This suggests something other than incompetence. Rather, the utter unusability of the prepaid cards in any store, combined with the nature and extent of these problems, suggests an intentional corporate strategy to accept money from consumers, knowingly issue a non-viable financial product, and then deny consumers access to their funds, relying on a lack of sophistication or will to get the money back.
Consumer complaint received 2023-12-28
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: Spring Oaks Capital, LLC (AL)

Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden. 

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures. 

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.
Consumer complaint received 2023-12-28
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: Westlake Services, LLC (AL)

Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden.

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures.

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (DC)

My citibank checking account was hacked by scammers on XX/XX/2023. They did numerous transfers and then some wires. 
I reported the fraud to Citibank within minutes but the fradulent wires had already gone out in the amounts of {$2000.00} and {$1900.00} to a XXXX XXXX at XXXX. I do not know this person and did not authorize these wires. 

Citi has recalled the wires but XXXX isnt't responding, of course because this bank has been engaged and fined for engaging in fradulanet accounts and transactions. 
Citi refuses to reimburse me for this fradulent wire activity. 

Citi 's authentication processes are woefully inadequate and there should have been many red flags sent up when these wires were done within seconds of each other to a suspect bank and as a customer for 40 years who never did any wires. 

Citi refuses to return these funds that the negligently allowed to be wired.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (KY)

Again Ive filed a complaint with Schwab having my bank account hacked and Schwab sent me a letter stating that I received a text message and their records show I did but I never received a text message to okay funds being transferred I would like the records showing the text message and Im willing to get all my messages from that date from my cell phone carrier, again when I received a call from Schwab they said they would call me back about the text messages I have never received that call
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XXXX 2023 my social security benefits posted to my account of XXXX. So I have call chime to to talk about a dispute that I file prior before this happened to me. While on on hold with Chime the agent act like he was helping me and all of sudden he withdrawal my my money out of my account and never can back to speak to me. I hung up call back explain what to me to another agent they so call put in under as a dispute which less than 24hrs they emailed and say they didn't find anything clearly it wasn't investigated at all. Cause they close it out trying not to admit guilt. So I call them back next day they filed another dispute no findings less than XXXX. Emailed XXXX in morning to let me know and at XXXX. They refused to help at all. Today I look at my account they erased the transaction all together.
Consumer complaint received 2024-01-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TN)

I disputed this company date of debt with XXXX, This company maintained that the date of debt was on XX/XX/2023. I had proof that a different collection agency had the debt listed starting back in XXXX XXXX. It is for the same amount & original creditor XXXX. The debt was removed from credit report for a couple months then reappear with This company stating it was new debt to which it is not. They are changing the date to change the statue of limitations in my state.
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KS)

XX/XX/XXXX , I owed   XXXX   XXXX   for a credit line of {$1400.00}. By  XX/XX/XXXX , I paid the amount off in full as my last payment was {$250.00}. After making all payments, The   XXXX   XXXX   sold account number  XXXX  to Midland Credit Management, Inc  XXXX .  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX   obtained a judgment against me in  XXXX  County, Kansas court  XXXX . During that time, I made additional payments by check not aware this was regarding my   XXXX   XXXX   Account ending in  XXXX .  XX/XX/XXXX , I sold my home and the {$2300.00} judgement was held back fr om my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid Midland as they also collected money on an account they never should had purchased from   XXXX   XXXX  . I 've been writing and requesting for the return and interest as   XXXX   XXXX   XXXX   and Midland refuse to resolve my claim.
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  XXXX   XXXX    XXXX
Consumer complaint received 2023-12-31
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: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX : Attempted to use the card to make a bid on XXXX- declined XX/XX/XXXX : Attempted to add the card to my XXXX XXXX- declined XX/XX/XXXX : Attempted to make an online purchase with a vendor that takes XXXX XXXX declined Phone support is entirely automated. My money is effectively locked away in an unusable virtual card.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (VA)

I am writing to file a formal complaint against Discover Financial Services regarding a dispute I raised concerning inaccuracies in reporting associated with my account, specifically with the account number XXXX. 

On XX/XX/2023, I mailed a letter challenging the inaccuracies in reporting associated with the mentioned account. As of today 's date, I have not received any response from Discover within the XXXX timeframe as required by law. 

I am enclosing a copy of the letter that was sent to Discover, which serves as proof of my attempt to rectify these inaccuracies.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

A XXXX XXXX sent me money under a false name of XXXX XXXX XX/XX/XXXX which I returned on XX/XX/XXXX. She file a claim about a purchase which makes no sense.Anyway, on XX/XX/. Venmo confiscated {$3.00} from me and froze my account demanding I pay {$390.00}. for the same money I paid back on XX/XX/XXXX. I sent them correspondence on XX/XX/XXXX this claim was false and they are know stealing money from me and extorting me for more. Venmo has serious risk issues
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was selling some furniture on XXXX XXXX and the buyer wanted to use Venmo to pay for the furniture. When they sent me the payment, they said that Venmo had put their payment on hold and told them that I needed to set up a business account with Venmo and send {$300.00} to the buyer to confirm my business account. 

Suspicious, I logged into Venmo 's website and started a chat to find out if this was safe to do. An excerpt from the chat which Venmo emailed to me : Guest ( me ) : I received an email saying a payment to my account was on old. And Venmo asked the sender to send another {$300.00}. What do I do to free up the {$250.00} payment and return the other XXXX Venmo Assistant : In some cases, payments between buyers and sellers are placed " On hold. '' If there aren't any issues with the payment you received, it should be released within 21 days. 

Venmo Assistant : Don't worryit doesn't mean anyone has done anything wrong. This practice is common in the industry, and it helps us create a safer environment for everyone involved. 

Because Venmo told me that this was safe and a common practice, I lost a total of {$800.00} on this transaction and {$750.00} on a similar transaction. I only moved forward with this transaction because Venmo said it was safe. It seems like Venmo was grossly incompetent and that it directly led to my financial losses.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

Submitted request to open checking account on Wells Fargo online banking site. Was approved, provided an account number, a savings account number, set up a PIN for my new debit card. word of mouth from coworkers direct deposit payday checks deposited at least 1-2 days sooner. Friday, XX/XX/XXXX I was in process of depositing my opening funds to Wells Fargo account I received email that both my checking and savings accounts would be closed XX/XX/XXXX. Made phone calls to find out why based on information from a third party company, XXXX XXXX, I had an account back in XXXX Wells Fargo closed XXXX due to inactivity, therefore I would NEVER be able to open an account with Wells Fargo in my lifetime. This was 4-5 days AFTER my account had been APPROVED and WELCOMEd. I received my Wells Fargo debit card in the mail today. Wells Fargo should HONOR and standby whatever parameters they have for their online applicants. I had already set up my direct deposit and was preparing to change my social security check. I am not happy with my current bank. 
Everything that occurred back in XXXX was related to an estate battle with siblings after my mother passed away, my XXXX XXXX diagnosis then divorce. I am trying to get my life together. 
So I dont think Wells Fargo XXXX XXXX days AFTER being approved and welcomed to all of a sudden rock everything I am trying to accomplish. 
I want them to stand by their approved status for my checking and savings account and treat me like a valued customer.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Caliber Home Loans, Inc. (WI)

XXXX, XXXX, and XXXX incorrectly show me listed as a joint owner on the Caliber Home Loans mortgage account opened XX/XX/XXXX 

Attached is documentation confirming my ex-husband assumed the loan in XX/XX/ after our divorce. 

I filed a dispute with XXXX in XXXX, but they did not fix the issue. 

I tried calling Caliber Home Loans customer support, but since the account is now closed, I was unable to reach to anyone there to discuss the issue.
Consumer complaint received 2023-12-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I reported my card stolen to Synchrony Bank last year. Because I didn't have my card I could not access my account information. I repeatedly reached out to get information and have a new card sent. They claimed a card was sent out but I never received it and I mentioned this to them. I was unable to access my account. 

In addition, this company makes it purposely difficult to access their system. Even now, I just received my new card and I still can not access my information to even review. 

I contacted the company today and they say I need to call back tomorrow, which will be XXXX XXXX XXXX and I doubt that I will be able to reach anyone. 

There was a promotional balance that ended recently that allowed approximately {$6000.00} in interest to be debited to my account. Had I been able to access my account I would have seen that the promotion was getting ready to expire and pay it off before it happened. 

I don't think this is fair and I get the feeling that this is an intentional scheme. A while back I had another promotional balance that was nearing its end. I had automatic payments set up and I had it timed to pay off the balance the month that the balance was set to expire. I made an additional payment knowing that the automatic payment would pay off the entire balance before the promotion ended. Instead, this company cancelled the automatic payment that was set up and the {$200.00} in interest fees hit my account. I reached out to them and they said it was intentionally cancelled because I had already made a payment. They then proceeded to ask condescending questions like " why would I make a payment if I already had an automatic payment set up? ".