davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo initially set up my account that was a custodial account incorrectly. After being given all the legal documentation as to what type of account shouldve been opened, they opened the wrong one. Also, they took XXXX of my money and transferred it into a portfolio for stocks. They told me this would be the best way to go to earn more money on the money that you have. So I did that, and I lost {$5000.00} because of it when I asked for them to take out that money and put it back in the main account. It took them days to do so. They left it in there as long as they could. The name of the manager at the time who did this it was the XXXX XXXX, Florida location and his name was XXXX. He is no longer with the company, not sure why? However, he gave me that advice The entire time in which I thought was good advice due to me, not knowing any different. This was my first time having this type of account. And again he was given all the legal documentation that came from the judge that indicated what type of account to open. So Im sure there was more than XXXX lost but that is what I can remember. And I feel like because he gave me bad advice thats the reason I lost {$5000.00} and the bank should be responsible for giving that back to me. Or need, I say, put it back in the XXXX account where it was taken from.
Consumer complaint received 2021-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (DE)

I received many calls and letters from Dynamic recovery solutions in the past month of XXXX and XX/XX/XXXX about a hospital visit in XX/XX/XXXX XXXX yrs ago even if if I did visit hospital I have no documentation to prove I would have destroyed those receipts a long time ago I also have been the victim of identity theft in the past and besides that I know that the statue of limitations has expired after XXXX  years if I did pay this bill in the past I don't have any receipts Dynamic recovery solutions XXXX South Carolina XXXXthey are calling everyone that has my name and giving out my personal information by telling me the last XXXX of my social and telling me my present and past address
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

Barclay Carnival Mastercard closed my account on XX/XX/XXXX. I had not been able to take a cruise that year due to my sons graduation. I did take one in XXXX of XXXX, and currently have one planned for XX/XX/XXXX. However, when I went to redeem my points, I could not find my account. Calling Barclay, they said they closed my account due to inactivity. I never received notice or forwarning. I would have charged something. I had about {$200.00} dollars in active points. I earned these points in XXXX of XXXX. They are/were not set to expire until XXXX of XXXX. Active points by definition is Activity on my account. Again, if they needed me to charge something to keep my points, I would have done so. I did not know they would steal my active points in my account. They could have blocked lending, but kept my points until they expired. They chose to kill my points that I earned, and simply close my account without forewarning. I would like to be reimbursed my points stolen. Dirty move!
Consumer complaint received 2020-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIRST MIDWEST BANCORP, INC. (CA)

On XX/XX/XXXX I opened a {$100000.00} HELOC with First Midwest Bank in XXXX. The HELOC was not on my primary residence but on an investment property that has/had no other mortgage. I never used or withdrew any funds. I attached the last statement dated XX/XX/XXXX which shows the HELOC was open, the annual {$50.00} fees was paid, and I had an over payment of {$10.00}. 

In XX/XX/XXXX, I discovered that the HELOC had been closed. I discovered it because I was in the process of purchasing another property and XXXX XXXX contacted the bank to verify the information I provided to the new lender. They informed me the HELOC was closed. 

I have received no written explanation about when and why it was closed. I have received different and conflicting explanations over the phone : one clerk claimed I closed it, another clerk claimed it was closed in XX/XX/XXXX by their collections department because of a late payment of the XXXX annual fees. ( It is true that I paid the XXXX annual fee of {$50.00} late. That is because I moved to XXXX and did not receive their annual statement even if I had notified them in writing of the address change. I paid it as soon as they contacted me by phone and they did not make a big deal out of it. In fact, one year later, in XXXX, they accepted my next annual fee payment over the phone with confirmation number XXXX, and sent me a new annual statement on XX/XX/XXXX ). 

I asked over the phone for a written explanation, for a refund of the {$10.00} balance and the {$50.00} annual fees, for a copy of the paid note and the mortgage release. As of XX/XX/XXXX, I still have not received anything. As of mid XX/XX/XXXX, the HELOC was still showing on my credit report and I had to contact XXXX to have it fixed. 

The HELOC was on an investment property in XXXX but I currently live in XXXX. After the discovery, to better track their correspondence, I changed my mailing address to a scanning service in XXXX. The only written communication I received from the bank since the address change is the attached notification that they have received the request for address change.
Consumer complaint received 2020-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MA)

To Whom It May Concern, I was looking on XXXX for a loan to cover some educational expenses ( I am in XXXX  school ) and have reached my federal loan limit. I applied to and was accepted to " XXXX ''. I read the fine print as it was stated only to be stunned that when I was " approved '' for the loan the information returned was not consistent with the original agreement. I was approved for a XXXX dollar loan and the returned information that was falsely returned stated that I was responsible for an interest rate of : " 894.8297 % '' besides being a decimal point, it is a violation of the " Usary act '' to charge this amount of interest. Additionally, it stated I incurred a finance charge of " {$2800.00} '' ( for a XXXX dollar loan ) and a total amount of payments of " {$3700.00} ''. This is insane! I am going to my bank tomorrow to close the account for good. I am calling this company tomorrow to indicate that I want to return the loan in full immediately! Furthermore, this arbitration agreement states the company is " Silver Cloud Financial , Inc. is an economic development arm of, wholly owned by, and controlled by the XXXX XXXX XXXX XXXX XXXX ( the " Tribe '' ), a federally recognized and sovereign XXXX XXXX XXXX Tribe. This means that your loan is provided by a sovereign government, and the proceeds of the business fund governmental services for the members of the Tribe. ". I am not a XXXX XXXX and this surely can not be legal.
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my checking account in XXXX 2019, due to 'suspected fraud activity '. It happened after the check I deposited was returned by XXXX. Bank of America also sent negative reports to reporting agencies and charged me {$24.00} returned check fee. However, all this was caused by XXXX mistakes as they did not activate the check feature and I have already complaint to XXXX about that. This is not a fraud. I did nothing wrong and this is not fair to me.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (NY)

I applied in good faith for the CHASE card. After good faith application had been summited received and utilizing the account for some time my account was closed without notice. If any portion of this application under the account XXXX has been securitized as a asset backed note under securities act of 1934, within the Any CHASE filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line reissued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I purchased a plane ticket from XXXX  XXXX XXXX XXXX to XXXX, XXXX XXXX on XX/XX/2019 from XXXX XXXX for {$2000.00}. 
When I got my credit card bill from Bank of America, I found out I was charged a Foreign Transaction Fee of {$60.00} by Bank of America. 
The transaction was made from here, in dollars and on the Airlines US website. I have purchased flight tickets with Bank of America credit card many times through XXXX, XXXX XXXX and was never charged a fee. I call Bank of America, talked to 3 different people and they refuse to take it off.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

On XX/XX/2019, I had applied to XXXX XXXX American Express Card with a XXXX XXXX XXXX points bonus points for {$1000.00} in purchases. I applied through a link through XXXX XXXX website. A month later statement posted without my bonus points even after {$1000.00} in purchases. I opened a case with American Express about my missing XXXX bonus points. I've contacted American Express and they said the offer was not attached to the account. Why would I apply to a card without signup bonus? This is my first American Express card too. American Express supervisor said they could not do anything for me as it was out of their control.
Consumer complaint received 2022-12-27
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 (NV)

My name is XXXX XXXX and Ive been with Bank of America for over 20 years and I never had this problem nor was treated so low by this Company. There was a charged on my account last XX/XX/2022 from XXXX thats fraud. As soon as I noticed the charge I called XXXX to let them know that it wasnt me that charged the amount of {$320.00} from XXXX. They temporarily credited my account for that amount until investigation. All of a sudden they took the temporary credit of {$320.00} out of my account and when I called the customer service, I was told that XXXX fought the charge and claiming that it wasnt a fraud. According to the Customer Service someone named XXXX was the one that used my account and the merchandise was delivered to my address. I insisted to XXXX again that it wasnt me and I asked the XXXX to provide me the date of the Delivery so I can get a record from every carrier like Post office, XXXX and XXXX to get the proof that I didnt receive that specific Merchandise that XXXX XXXX claiming. I called XXXX four times and all they kept telling me is to write a letter and they will email me the Information how to start this Complain and so far I got 2 emails from XXXX with no Information for me to write this Complain or who and how to mail or email this Fraud charge on my account. Im so frustrated dealing with XXXX and I dont know what else to do.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-07-03
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. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (TN)

I continue to have issues with businesses in purchasing or in this case : 1. I opened a checking account online with XXXX XXXX Bank. I wanted to transfer a large deposit from my SunTrust Bank which I have had for over two years, except I did not have a routing number or checking account for XXXX XXXX so I caught a ride to a close XXXX XXXX to present a personal check by an XXXX driver. 
2. The younger male allegedly ordered some checks and deposited my personal check to the account that I apparently had on the debit card that I was sent. 
3. My SunTrust Bank denied to accept my two signatures on XX/XX/2020 except the new manager told me that she is new at my branch and that she said that my two signatures on the back and front did not appear to be similar even though my daughter has cashed checks presented and signed by me several times to include just recently. The manager had emailed me twice after a large deposit was made directly as usual from the federal government from XXXX and the VA except as I have stated this time the bank received a large amount, electronically as usual. XXXX XXXX asked me to come to the SunTrust branch but I explained to her that I am now in a wheelchair and that my hands suffer with XXXX XXXX so that I do not like to grasp anything. Most importantly I asked her to accept my license number seen at the other bank, I could give my SSN and she has my email address and physical address on record, but : 4. The second check larger amount was deducted from my SunTrust account leaving me with little so that I will not be able to pay my rent. 
5. The XXXX XXXX Bank has closed my two ( checking and savings ) accounts so that now I think that they asked me to open a second account so they can charge a {$12.00} fee and now they closed all of my accounts on XX/XX/2020. I was supposed to receive just {$4800.00} tomorrow and the rest, the largest amount on XX/XX/2020. I was asking why and I felt that the two or more employees took the large amount on purpose to ripe me off of the XXXX  figure amount or try to force me to go to the bank again, possible for nothing ; abuse and discrimination. 
6. I can not tell where my money is except that I know where it should be at XXXX XXXX.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

This is a medical bill that was processed by XXXX XXXX and they do not process my medical bills to my insurance correctly. Because they can not be reached by email, I have to call their Patient Financial Services Department on the phone and there is no written record of the conversation and they always tell me, don't worry, don't pay it, we will bill your insurance, but they don't do it correctly ( or at all ) and then the bill does not get paid and XXXX thinks its delinquent and turns in to collection. 
I have been getting letters from the Collection agency USCB XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX since at least 2009. I can send you copies of collection notices from them since 2009. And complaints filed with your office as well as CDMHC. 
I am also a XXXX patient at XXXX XXXX XXXX XXXX XXXX, and they bill my insurance correctly, then XXXX bills me for balance, they never make mistakes and I pay the bills on time and never late. But XXXX bills are always billed incorrectly, due to XXXX 's inefficiency and unfamiliarity dealing with a private insurance company for their coverage, and consequently it appears on their records that I don't pay the bills. 
My insurance does not permit me to pay the bills and get reimbursed, they pay their insurance amount and then XXXX is supposed to bill me for the balance. 
This has been going in since 2009 but XXXX doesn't get it right, and USCB calls me, and leaves threatening messages. I finally disconnected my home phone. And I have been receiving collection notices from USCB since 2009 most for bills that were paid. I am XXXX years old XXXX patient, all my bills with other medical providers are current. I want to file a complaint against USCB for Elder Abuse. I know I cant file against XXXX Patient Financial Services because as I have been told by Dept of Managed Health Care, they are not an HMO. So I am left with few options other than your department for Consumer related issues. I am running out of options to stop this incessant billing and notices every year. 
And I told XXXX I refuse to correspond with a collection company and will never pay any money whether owed or not to USCB or any other collection agency for errors and omissions that are XXXX 's fault.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (GA)

I applied for this credit card in XXXX, 2019 and then called, The account was open and then I called to close it because it did not meet my needs. I have not received an email stating the account is closed.
Consumer complaint received 2022-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I never applied for a Capital One Credit Card. I did receive ; however, via XXXX XXXX, a suggestion I apply for the Capital One Credit Card as I had a high chance of approval and the subsequent approval and issuance of the Capital One Credit could improve my credit score.

I DID NOT APPLY FOR THE Capital One Credit Card. I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM CAPITAL ONE CREDIT CARD ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.
Consumer complaint received 2023-03-07
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. (AL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX, ALXXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, ALXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX