davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

My bank is Wells Fargo. On XX/XX/2018 I sent my landlord my rent of XXXX.. I used XXXX which is a money transfer service on Wells Fargo web site. I have used XXXX to send my rent for over 2 years and never had a problem. In XX/XX/XXXX my landlords account was compromised and he closed it and opened a new account. When I sent the money by XXXX in XX/XX/XXXX he did not want to accept XXXX, so he never entered his new account info. My money never made it to him, and I never received it back. 
I have filed 2 claims with Wells Fargo and spoke to an XXXX at Corporate. ( XXXX ) XXXX was not able to help me to get my money back either. I have even gone to my landlords bank, XXXX, and the lady, XXXX, put in a call to XXXX for me and I was able to speak to XXXX. ( They normally dont speak to the public ). XXXX told me because I used XXXX through Wells Fargo, they were not able to track the money. They also said, had I used their stand alone app, they would have been able to track it.no one can tell me where this money is. My landlord doesnt have it, and I had to come up with an additional {$480.00} for rent. 
Wells Fargo is not standing behind a product that they have on their website ... this is not fair! 
Please help me to recoup my money! 

My landlord is XXXX XXXX and his phone number is # XXXX. You will need that for XXXX. 

XXXX XXXX
Consumer complaint received 2018-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

Citibank line of credit My wife and I applied for a line of credit to pay for a kitchen remodel $ 10- {$30.00} Whatever would be available to us. 
Over a lengthy period of several months Citibank themselves increased the amount to over $ 80k and then turned the loan into a credit consolidation loan. 
In a very contrary move they have now just denied the $ XXXX loan on the grounds that we dont earn enough and a FICO score that they supplied of XXXX. 
We also own our $ XXXX condo outright with nothing owed and earn circa $ XXXX a year. 
We at no point asked for XXXX, that figure was pushed onto us by various employees at Citibank, we did and still only actually need between 10-30k! 
Is this legal for them to push the amount up themselves over $ 50k and then refuse Many thanks
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (CA)

Back in XXXX I applied for and was approved for a Virtual Wallet With Performance Select account. Overall I've been quite satisfied with this account ; however, after several months, the requirements to keep the account fee free became burdensome so I elected to change my account from a Virtual Wallet With Performance Select account to a Virtual Wallet account. This new account only required " {$500.00} or more average monthly balance in Spend + Reserve '' accounts to keep the account fee free. 

In order to make this product change, I clearly remember going to the " preferences '' tab of my account and sliding the balance slider to compare the benefits of a different edition to my current edition. I went ahead and clicked the " Change Edition '' button in order to change my account to Virtual Wallet. The request went through, and I assumed I would have no problems as long as I kept a minimum of {$500.00} of the account. At that time my account balance was {$520.00}. 

Fast forward to today, I just reviewed my account and I see that I have been charged {$25.00} account maintenance fees for both of the past two months. I asked customer service about this, who very flatly said that there was no record of my account change taking place and that all they could do was change the account type ( which I had already done online myself several months ago ). While it appears as if the account change is now confirmed, I am still out the {$50.00} in fees for a mistake that appears related to PNC 's information technology.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I reported numerous fraud charges on my business credit card. I was informed by Bank of America ( BofA ) representative XXXX that I was not responsible for fraud charges and my credit card would be credited. Attaching recorded conversation with permission. 

I was informed that the charges would not be credited because BofA indicated that their investigation revealed inconsistant details. BofA was not specific and it made no sense what that means. 

I recieved my statement still showing the fraud charges. 

On XX/XX/2022, I spoke with XXXX, in XXXX, AZ, business card fraud department, that the investigation was still ongoing and that I was not responsible for fraud charges and my credit card would be credited. 

In speaking with XXXX she indicated that if you had ever done business with any of the companies at anytime in your life that were reported fraudulent, even though the fraud was committed by a suspect or criminal without permission to use the credit card, you are held responsible. I informed XXXX that I had never done business with any of the companies. She stated that the fraud would be credited. This shows how incompetent and racially discriminating BofA is toward XXXX 's and XXXX senior citizens. Not able to attach recorded conversation with permission because it's to large.
Consumer complaint received 2022-06-19
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX XXXX # : XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-06-19
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a Bank of America customer since XX/XX/1988 before they bought out XXXX XXXX. Yesterday I received a check for proceeds from a land sale in XXXX County XXXX. The check was from a licensed XXXX escrow company in the amount of {$5800.00}. I deposited the check to my savings account via their mobile banking system on my phone. I received a notification that there would be a 10 day hold on this check. I have a problem with this because, according to the Federal Reserve, funds are verified within1 to 2 business day. The bank has access to my money long before I do. I spoke to two representatives at the XXXX Contact Center who said, 'sorry, nothing we can do. '. This was not some fly-by-night transaction involving a personal check. I take exception to B of A holding my money while they 'verify the funds. '. They also declined to give me their Headquarters location or a phone number, which I did find myself and have emailed the CEO of B of A. Once upon a time, check holds were quite common due to inefficient methods of verification but that changed quite some time ago and funds are cleared through one major clearing house. I find this totally unreasonable and unfair.
Consumer complaint received 2020-12-16
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. (AL)

I had a charge from XXXX XXXX  back in 2018. It was a charge from XXXX XXXX  satellite company. It was for equipment that was lost in transit when I closed the satellite account. I sent the equipment back and it was either stolen or lost. XXXX XXXX charge me for it and I told him I was not going to pay it. So it went to this company. My bill with XXXX XXXX has always been 100 %. My credit profile is also pristine and I have exceptional payment history with every creditor I have. In this collection is a defamation of my credit profile. Ive disputed it three times. And it was resolved on XXXX XXXX and the XXXX  bureaus. It was deleted from my credit profile in XXXX of this year. I had been on a three-way call with the creditor and experience for two hours. And we could not resolve the issue. XXXX  interstate is a terrible company and they said its against their policy to remove some thing. And Experian just wanted permission from them to remove it from Experian. I dont care if the creditor keeps it on Their end or not. But when Im trying to buy a house this is not working out and it does not justify my background and credit history and is almost illegal because it wasnt a collection on my actual satellite account. I should not have even paid the bill off. I paid it a month or two after it showed up on my credit report and shouldnt have out of Ethics because I shouldnt be responsible for it. Please request the phone call I made last week from XXXX. It was a three way call with Experian, XXXX and myself for 2 hours.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

At the end of the lease, I purchased a new car from the same dealership ( XXXX XXXX of XXXX ). They agreed and documented that they would pay any balances ( mileage and wear/tear ) on the leased vehicle I was turning in. The finance company is saying they never received payment. I provided both the Dealership and finance company with a copy of the We Owe/You Owe contract and the Deal Recap document from the dealership but the finance company says thats not enough, they want to hear directly from the dealership ... the Dealership will not return my calls anymore nor contact the finance company. The finance company has no notes stating that the dealership has tried contacting them.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

Hello, I am reaching out in regards to my account with CHASE Freedom Account Number : XXXX XXXX. Im looking for assistance with 15 U.S. Code 1666d - Treatment of credit balances. 

This section goes into creditors refunding obligor. Basically, whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

For my Account Number : XXXX XXXX Id like for CHASE to credit the amount of the credit balance to me. The refund can be in form of money order or check accordingly to the above. 

I have attached the statement that reflects the credit that is owed to me from CHASE
Consumer complaint received 2022-03-05
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. (CA)

XXXX ) XXXX Acct. # XXXX, was repossessed on XX/XX/XXXX and Charged Off in XX/XX/XXXX. However, it continues to show a Charge Off each and every month after ( XXXX XXXX XX/XX/XXXX ) which hurts my credit report because it is showing a new Charge Off each month and thus does not allow this account to age. This is re-aging my account each month ( exhibit 1 ). 

My credit report also shows an on-time payment 6 months after I did not own the vehicle on XX/XX/XXXX ( exhibit 1 ). 

I disputed the continued charge-offs, but you responded and still included them in your investigation. 




I would like you to compare my credit report balance on XX/XX/XXXX and XX/XX/XXXX, to see if my balances were lower as in my XXXX credit report ( Exhibit 2 & 3 ). 
Please immediately remove this account from my credit report for all the FCRA violations Section 611 ( 5 ) ( A ) 2 ) XXXX Acct. # XXXX, this account should of fell under the Lemon Law, but I kept being assured by the BMW Dealership that a part was due toa factory defect. I stopped making payments in XX/XX/XXXX and I return the vehicle back to the Dealership in XX/XX/XXXX, just about 8 months after receiving the vehicle. It was an Early Termination, but it was listed on my credit report as a repossession. 

I looked at my credit report for XX/XX/XXXX and noticed that there were Charge Offs for XXXX and XX/XX/XXXX and then it showed on-time payment history XX/XX/XXXX through XX/XX/XXXX. How can I have on-time payments for a car I dont own or have? ( exhibit 4 ). 

XXXX also filed a IRS Form 1099-C Cancellation of Debt XX/XX/XXXX, in the amount of {$26000.00} which means the form 1099-C is a tax document used to report a debt of more than {$600.00} when it is canceled by the lender. The lender creates and mails this form to the debtor. The debtor reports the amount from the 1099-C because they are liable for the taxes that may be owed on that amount. Therefore, XXXX was compensated for that {$26000.00} where I had to pay the taxes on that amount. 

3 ) XXXX Acct. # XXXX, This vehicle was paid in full in XX/XX/XXXX, so why is this account still updating every month?
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

My XXXX account was hacked which was linked to my chase account. This account wasnt active so I didnt notice the email from chase fraud asking me to authorize the purchase which I did not ; however they allowed that and hundreds more treats actions to go through until my account was drained. After I called to make them aware they still let another {$700.00} worth of transactions go through which caused me to have to close my account entirely. Some funds were returned but than later reveresed saying XXXX should cover it. Now Im out {$14000.00} after chase is violating there own policies for fraud protection.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MD)

My XXXX  claim of XX/XX/year> in the amount of {$14.00} was denied with reason " XXXX - Document missing expense amount. '' This reimbursement request was for automobile mileage + metro train + parking, as I indicated on the expense report. XXXX instructions specifically say that Optum wants healthcare services receipts, not credit card receipts and Optum has reimbursed me many times in the past for travel expenses when I included the healthcare services receipt to show that I actually had a healthcare appointment on the date for which reimbursement is requested. 

The document that I provided was the healthcare services receipt and, indeed, there was no charge listed on the receipt. There was no charge listed because the healthcare facility does not charge patients for the service that I received. However, it is an entirely legitimate medical service that includes drawing blood, extensive lab analysis and reporting the results to the patient and to the doctor so travel expenses associated with the service should be reimbursed by the XXXX.
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (OR)

I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a XXXX against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over XXXX XXXX XXXX. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form.

Fraud forms sent to me are from XXXX XXXX XXXX XXXX showing creditor as Velocity Investments , LLC
Consumer complaint received 2022-03-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2022, I, XXXX XXXX, a natural person, requested a 1099c form from Santander Consumer USA, via Consumer Financial Protection Bureau ( CFPB ) portal. However, Santander Consumer USA responded on XX/XX/2022 they Cant not provide me with the requested documentation/information without providing any details. Santander Consumer USA which law are you referring to State or Federal? That Santander Consumer USA, by law, you do NOT have to provide me with such information 1099c? Please respond by law ONLY why Santander Consumer USA cant provide me me, XXXX XXXX, consumer, applicant, with a 1099c, and in fact also a 1099a as well? Which law states you are right about this? And that you ( Santander Consumer USA ) stated is truth? Pursuant to 26 U.S. Code 7203 Willful failure to file return, supply information, or pay tax that is a violation. 

As of XX/XX/2022 at XXXX est, You have my account on all the XXXX major credit reporting agencies XXXX, XXXX XXXX XXXX XXXX listed as Charge-off with the amount of {$5400.00} for a repossession with the amount of {$2700.00} written off, Which will require a 1099c & 1099a form. PLEASE EXPLAIN WITH PROOF OF DOCUMENTATION AND BY LAW ONLY WHY SANTANDER CONSUMER USA DONT HAVE TO PROVIDE ME WITH THE INFORMATION. 

Best regards.
Consumer complaint received 2018-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted Transunion on XX/XX/18 and made them aware of inquiries on my credit report that I did not authorize and are a result of fraud. The inquiries and dates are as follows : XXXX XXXX XX/XX/18 and XXXX XX/XX/17. I have an active fraud alert on my consumer report with Transunion and I extended it for another 90 days in attempt to prevent any further fraudulent activity. TransUnion also has a copy of a police report on file from the related incident.
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (FL)

Three weeks ago I requested SunTrust Bank to close my checking account .they said it could not be closed then they proceeded to charge me {$3.00} and now claim they can't close it because I owe them {$3.00} they also threatened to charge more fees after XX/XX/XXXX .I have sent doesn't of emails and several phone calls they refused to cooperate
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC will call 4-5 times a day. They will call from all different states. I have told them several times to stop calling but they have been refusing to listen. I know what the debt is in regards to but they keep calling over and over again.