davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (WA)

I entered a verbal agreement to exchange currency with a person over XXXX. He agreed to send me {$27000.00} first, then I would send equivalent amount in XXXX to a XXXX a/c designated by him. On XX/XX/2022, he sent me an image of wiring ( the exact subject transaction ). On XX/XX/2022, the subject wiring was settled and that amount became fully available in my account, and then I followed thru by wiring XXXX  XXXX to the account designated by him. After learning that the subject transfer was a suspected fraud from Key Bank on XX/XX/2022, I filed a police report with XXXX XXXX. I also reached out to the XXXX bank that I wired XXXX  from, and asked them to recall my wire, but they told me it was too late to recall that wire transaction. At this point, I stand to lose all of the {$27000.00} if you return the money to the sender and I would become a victim of either fraud or misoperations of banks. 
I have tried many times since my account was blocked, reaching out to KeyBank customer service, fraud department and the XXXX branch where my account was opened. Despite so many different phone calls, no one in Key Bank had ever told me that there was fraud on this incoming wire or asked me about it. This transaction is part of an agreed currency exchange of XXXX currency and USD with this person. And I already wired the XXXX  amount equivalent to {$27000.00} to the person as per the agreement, after I saw this income wire of {$27000.00} was settled on XX/XX/2022. If you return this wire, I would lose all of {$27000.00}. I opened a police case on this potental loss with XXXX Police in WA. The case # is XXXX. I now urge your bank to honor the settlement of this wire transfer and unblock my account.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I paid off my XXXX credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted XXXX immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: COLUMBIA BANKING SYSTEM, INC. (NJ)

I was an Account holder at XXXXXXXX XXXX for 30 years. Columbia Bank took over all XXXX branches. Columbia Bank has very few locations so they charge their account holders {$1.00} each time you do not use their ATM, even if Columbia Bank ATM are not available. Even if Columbia Bank ATM is out of order. XXXXXXXX XXXX was connected to all banking systems and did not charge you as they were also limited locations. I feel Columbia Bank is ripping their customers off! Please put a stop to this shake down!
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

Snce XXXX I won the lottery while XXXX in XXXX. When I came home the bank staements indicated that USAA bank placed the money on hold because they claimed it might be terroist funds and its was XXXX XXXX and another lottery called XXXX, it was done online and they assured me as soon as the funds were cleared I would receive it. The statements and other proof were submitted to them by XXXX and I got a call from the President of XXXX XXXX of which indicated the funds were cleared and ready to transfer back to my person ; till now Im unable to get that money even after XXXX from President XXXX office called and confirmed everything. This is theft and delay. PLEASE HELP. XXXX XXXX XXXX # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2023-12-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NJ)

Hyundai Motor Finance has inundated me with robocalls. I have asked several times ( as recorded in their system ) and I was informed they had sent me the itemized statement I asked for. I never received it and then asked them to send it certified so I can be 100 % certain it was sent. The person I spoke to said they would NOT be sending a certified letter as they dont do that. I want to see the debt I ow and they just keep calling as an attempt to collect a debt. The car has been paid in full as documented by my insurance company. The title has been released by Hyundai. Please help me get them to stop this nonsense. Thank you for your time.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

CAPIO PARTNERS has inserted an account in the amount of {$1100.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with CAPIO nor XXXX XXXX XXXX have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OH)

I left my job a few years ago and I contacted my old employer and I asked for the information to obtain the 401k and how to close the account and transfer the funds to my account and I think they actually changed 401k provider and I wasn't told I can't find my 401k on any site or in the gov abandoned 401k I'm getting worried I'm not going to be able to find or obtain my money
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 & XX/XX/2018 ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX, I got a text message ( XXXX ) from Bank of America that I got {$3100.00} from XXXX XXXX XXXX XXXX transfer using my phone number. But the money never showed up. Both I and the sender go to the bank of America branch location in XXXX NC ( XXXX XXXX XXXX XXXX, XXXX NC XXXX ) together to try to find where the money is. But even the branch staff could not figure it out. We called customer service, but no success. I need Bank of America to investigate and give me the {$3100.00} XXXX XXXX XXXX me. 
My Bank of America account number is : XXXX. 
XXXX XXXX
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit, Inc (FL)

In XXXX of 2020 I purchased XXXX vehicles from volkswagen of XXXX XXXX XXXX.On this date this company was in violation of 15 usc 1605 ( a ) 1-5.Definition of finance charge.This finance charge was never explained nor used as it should be, and I as a creditor extending my credit and as a consumer was violated according to this law.truth In lending act was never followed and this company committed fraud in accordance to 15 usc 1605 1-5 ( finance charge ) and 15 11611 1-3. ( willlful and knowing violation ) .15 usc 1605 ( a ) states, '' the finance charge shall not include charges of a type payable in a comparable cash transaction '' .this company has been charging me and took a down-payment when I bought the vehicles when my extension of credit has already purchased the vehicle according to law.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

In XX/XX/XXXX, we were granted a disaster forebarence. I was told it was my choice to modify or do a forebarence at the end of the 3 months. In XX/XX/XXXX, I received a letter stating I wasnt eligible for a modification. The 1st payment was due XX/XX/XXXX. I was told I had to pay basically {$5000.00} ( 4 months mortgage payments ). XXXX ( old servicer ) told me FHA wont allow a modification if it causes my payments to increase. After 2 months of arguing they agreed to do a modification. After I sent in all requested documents the loan was transferred to Freedom Mortgage. I have been going back and forth with Freedom Mortgage since XX/XX/XXXX. I have sent documents, they request the same documents stating what they have is outdated. I was told they are asking for documents required by HUD. I made a HUD complaint so I have a direct point of contact, she told me all HUD requires is proof of income before the disaster. I keep waiting 30 days for underwriting to make the adjustment but I keep getting letters and/or calls asking for more documents, that they havent received the documents. Today I got a letter saying if I dont pay {$4000.00} by XX/XX/XXXX, that they were going to start foreclosure proceedings. This needs to be rectified within the next 5 business days. I am in the process of refinancing and if the new company contacts Freedom for a mortgage statement and they report that I am past due 3 months, I will sue! This has been going on for 4 months! I was apart of a disaster relief program, I should not be treated like this!
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

I received 2 loans from OneMain Financial, was never disclosed the premium amount of the optional products or that I was able to cancel at any time. I was told my monthly premium payment with the products added. When I questioned the rep I was given a higher amount if I did not have the optional product on the loan. 

I finally finished paying my loan in XXXX of 2023.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXX Bank reporting to damage my credit reports
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXXXXXX XXXX reporting to damage my credit reports
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA incorrectly reported fraud to another bank and has failed to correct its mistake for almost two months, which is causing over {$40000.00} to be withheld from me. Between XX/XX/XXXX and XXXX, 2022, I transferred money from my USAA savings account to XXXX XXXX XXXX XXXX ( " XXXX Fed '' ). I did this over the phone with USAA representatives to save money on a wire transfer. On XXXX XXXX, 2022 USAA sent XXXX XXXX  an XXXX and Hold Harmless Agreement advising my transfers were fraudulent. USAA admits this declaration of fraud was a mistake. In addition to numerous phone calls where USAA has admitted its mistake, USAA has also issued letters on XXXX XXXX, 2022 and XXXX. XXXX, 2022 stating no fraud was found and that my account is in good standing. It has been almost two months and USAA has still failed to advise XXXX XXXX  of its mistake or take corrective measures. On XX/XX/2022, XXXX in USAA 's CEO team advised she can't get someone in USAA to " click the button '' to undue the fraud alert. Due to USAA 's actions, XXXX XXXX  has permanently banned me from banking at their institution, will not provide me any information other than to say USAA has provided them information confirming my actions were fraudulent, and refuses to return over {$40000.00} in my XXXX XXXX  accounts. USAA has been aware for almost two months that it mistakenly issued the Indemnity and Hold Harmless Agreement to XXXX XXXX  but has done nothing to correct its mistake and advise XXXX XXXX  that my transaction was not fraudulent. To make matters worse, USAA is now not responding to my phone messages including near daily phone messages left on XXXX 's, CEO Team, voicemail for almost two weeks.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

Chase Credit Card steered me to a product trade but did not disclose excessive foreign transaction fees on the new card. 

Two {$52.00} fees levied on XXXX XXXX 2024. 

Called to refund fee and company refused. 

I do not owe these fees. 

XXXX XXXX
Consumer complaint received 2023-12-17
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: VW Credit, Inc (LA)

I am writing to file a formal complaint against Volkswagen Credit Inc regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to Volkswagen Credit Inc. 

Despite my efforts to address this matter directly with Volkswagen Credit Inc, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to Volkswagen Credit Inc, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Volkswagen Credit Inc complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

Dear Sir ; I am XXXX XXXX theco-founder and general manager of XXXX XXXX XXXX XXXX , our company islocated in XXXX XXXX -U.S.A. from 35 years, and we used to work withdifferent countries in XXXX XXXX for outsourcing our work.Recently we noticedthat Freelancers from XXXX has the same complaint, that there are governmentalinstructions to stop the transactions unless they offer official paper orrelationship paper! Those restrictions are stated in more than one branch! anddid not happen in other countries. Western union shouldcommunicate more effectively with customers, especially more than 10 had thesame complaint about bad behavior from employees especially the ones in thebanks branches ( XXXX XXXX ). Please solve thisproblem in your branches in XXXX, or We will change our transactions toanother company dont have those troubles.For more informationabout complaints on Western Union , see this group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

Nelnet is not updating my student loan balances with credit agencies. They have not provided an update since XX/XX/XXXX. During that time, I have paid off my student loans entirely. I have filed disputes with the credit agencies that go nowhere as I am told, generally, that they simply report the information from the debt holder. I have attempted to contact Nelnet on multiple occassions, but after two to three hour hold times, the call usually drops, but if I do get someone, they aren't in a position to actually do anything, and say that Nelnet reports the information.
Consumer complaint received 2023-12-17
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: JPMORGAN CHASE & CO. (CA)

I do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. 

JPMCB CARD Inquiry date 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 Other accounts Total balance : {$7600.00} XXXX XXXX POTENTIALLY NEGATIVE Balance {$7600.00} Balance updated XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (TX)

I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XX/XX/XXXX  addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.