davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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: Automated Collection Services, Inc. (AL)

I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 XXXX a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with XXXX and XXXX and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX/2024 I opened and checking account online with fifth third Bank I was approved for the account it then asked how would I like to fund the account so I transferred {$50.00} from an external account for the deposit later that day on XX/XX/XXXX I received an email stating that they would not be able to open my account so that same day I called fifth third Bank and told them that I had already made a deposit to that account what would happen to my money they said that the account would not be opened so the money would not come out of my external bank account this was a lie later on still XX/XX/2024 about XXXX XXXX XXXX XXXX I noticed {$50.00} was missing from my external bank account and went to the fifth third Bank account so I called them that day and requested to get my money back because they said I could not open the account they then told me that I would have to go to a branch to close the account the nearest branch for me is XXXX miles I was told they would send me a check then I was told that they could not send me a check I then spoke with someone else on XX/XX/2024 and was told that if I did not show up to validate the account that it would be closed. Today in the mail I received a bank statement from fifth third Bank with my account number on it showing the {$50.00} deposit thanking me for being a loyal customer I contacted them today which is XX/XX/2024 and was told that the account will be closed I then asked what will happen to my {$50.00} deposit and they explained to me that they would keep it unless I went to a branch like I stated previously the branch is XXXX miles away The account was put on hold due to checking for fraud or some information like that I have made repeated attempts to call this bank speak with supervisors and was just told they will be keeping my money I have proof through emails I have my bank statement sitting right here in front of me that shows the {$50.00} in there when it was taken out and they refused to give me my money
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Problem with AAA of the XXXX XXXX XXXX XXXX. 

1. On XXXX XXXX, XXXX, I received notice from AAA that effective XX/XX/XXXX my existing Bank of America AAA Visa Card would be cancelled, and that I would receive a new " AAA Dollars Plus Visa Signature '' Card ( issued by XXXX XXXX  ). 
2. I had accumulated over XXXX Rewards Points at the time that card was cancelled by AAA. That AAA/Bank of America Rewards Program specified that every 25,000 in Rewards points could be converted into {$500.00} in cash or {$700.00} in AAA Travel Vouchers . Accordingly, those 126,000 existing points could have been converted into {$2500.00} in cash or {$3500.00} in AAA Travel Vouchers. 
3. When I received my first statement from the newly issued AAAXXXX XXXX Card for the period ended XX/XX/XXXX, it reflected under the " AAA Dollars Plus Rewards Detail '' that I had {$1200.00} in " converted rewards '' ( from the prior AAA Card that was cancelled by AAA ). In other words, I was credited with ONE HALF the dollar value that had accumulated under the card that AAA cancelled. THERE WAS NEVER ANY DISCLOSURE IN ANY OF THE COMMUNICATIONS FROM AAA THAT THE VALUE OF MY REWARDS FROM THE CANCELLED CARD WOULD BE REDUCED BY HALF ( OR MORE BASED ON THE POTENTIAL CONVERSION TO AAA VOUCHERS ).

4. I called AAA regarding this issue on XX/XX/XXXX, and was told that they would " review '' my issue/complaint. About a month later I called again, and was told by a " supervisor '' that the " computation '' of my reward amount was correct ( based on the never-before disclosed point that the conversion factor for previously accumulated rewards points would be based on1 % - vs. 2 % on the cancelled card )!

It is clear that in changing their rewards program in the way that AAA did ( with totally incomplete disclosures on the impact on the accumulated awards of existing card holders ) AAA succeeded in dramatically reducing the financial obligations that existed under the " cancelled '' VISA Rewards program. I am reasonably confident that I was not the only cardholder impacted by this action. In my opinion this action by AAA of the XXXX 's is/was at the very least fraudulent, and perhaps criminal.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (NC)

On XX/XX/22, I signed up for a bank account with XXXX. I clicked through my son 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " XXXX '' shows the requirements for receiving the bonus. 
The attached " XXXX & XXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " XXXX  '' shows that I've met these requirements within the terms & conditions. 
The attached " XXXX '' shows that the referral successfully tracked. 
The attached " XXXX '' shows that their system has failed to successfully tag my employer 's direct deposits as legitimate. 

I reached out on XX/XX/22 about receiving the bonus, and received a canned response, shown in " XXXX XXXX Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my son and I can receive our bonuses.
Consumer complaint received 2022-04-03
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-03
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

Last year, as part of my XXXX transition process, I legally changed my name from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. I obtained an updated birth certificate, social security card and driver 's license, updated my name with my employer, updated my name with my mortgage company and paid my taxes with my new name. However, despite repeated attempts to use Equifax 's dispute process to update my name ( which is their process for name changes ), they continue to reject my requests. These are the dates that I've submitted online disputes to them : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've also tried updating my information with them by mail, but they've also rejected that attempt.
Consumer complaint received 2022-04-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting a 30 day late payment in XXXX of 2020 during the first month of Covid-19 Shutdowns. I made an arrangement with them, wrote a Good WIll letter and they refuse to remove the late payment status with all of the credit bureaus. 
Under The CARES Act, which was signed into law on XXXX XXXX, 2020, Act amends theFair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for update. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (WA)

My credit report lists XXXX XXXX XXXX ( XXXX ) as the original company with my XXXX XXXX Credit card. However, multiple other companies have reached out to me to collect a debt I settled. In XXXX, AllTran was the first company to is seek to collect the {$820.00} on behalf of XXXX. I searched online for XXXX and the website directed me to XXXX. Then, I got emails from XXXX, to settle this account for {$280.00}, I took that offer and paid that amount around XX/XX/XXXX, and received an email stating my account was now settled. After making the payment, XXXX, emailed me back to tell me, they no longer handling to account, that XXXX  is. So, I replied and told them I will take back my payment as that's not what was agreed upon. They replied stating the account was settled. 
I received a call from AllTran in regards to this account. I am not sure who exactly is responsible for this account as I have settled this account and should no longer be responsible. XXXX  should not be able to keep trying to collect any more money from me. I agreed to pay XXXX as agreed and this is also who is listed as the company that debited my bank account. I'm frustrated and confused as to why multiple companies on behalf of XXXX is still trying to collect this debt.
Consumer complaint received 2019-06-12
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. (GA)

To whom it may concern : My identity has been stolen due to recent and pass data breaches, I have seen some accounts in my credit report that do not belong to me and I'm requesting for them to be removed from my consumer credit file, I filed and ID theft report that will be attach to this complaint please removed these account from my credit report. 
Thank you.
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern : My identity has been stolen due to recent and pass data breaches, I have seen some accounts in my credit report that do not belong to me and I'm requesting for them to be removed from my consumer credit file, I filed and ID theft report that will be attach to this complaint please removed these account from my credit report.

Thank you.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CA)

Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available 86 shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional 68 shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares. 

Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXX XXXX  contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my Bank of the West account to a XXXX account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX  XXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times. 

After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the U.S. and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S. 


When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission. 

To date, the website for XXXX XXXX XXXX XXXX XXXX has been taken down.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/2023 Wyndham XXXX  in XXXX XXXX opened a credit card with a XXXX limit in my name without my permission. I was able to call the issuing bank and cancel the card but due to the fact Wyndham has recently had a class action lawsuit filed against them for this practice I thought it was best to make an official complaint.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NV)

On XX/XX/2021, IQ Data agreed to work out a payment plan and accepted {$110.00}. The next day the company then proceed to take an additional {$110.00}. Did not think of twice, I presumed it was an error but ultimately it was still taken out of my account. A week later I received orders to go to basic combat training for the XXXX XXXX. A couple of weeks later after the first payment made, I called the collection company and informed them that I wont be able to pay the full amount and asked if I could just make a payment plan because I wouldn't be able to communicate with my bank due to phone restrictions in basic training and then I was verbally assaulted, the man proceeded to making rude comments and yelling at me, and refused my request. However, on XXXX XXXX on 3 separate occasions, XXXX, XXXX and and XXXX on XX/XX/2021, they tried to charge my card {$4700.00} after telling them I was unable to do so due to my limitations and then telling them I do not authorize them charge the full amount on my card. They then proceeded to keep attempting to charge my account on 6 different days ; XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, and XXXX XXXX XXXX  at XXXX.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I was a victim of a paypal chargeback scam, where the client paid money for services, then did a chargeback, and Paypal didn't investigate or advocate for me nor did they provide contact info of the client 's bank.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I had made a mobile deposit using the Bank of the West App. The deposit was a money order for {$210.00}. I was informed by the Bank of the west contact center the first {$200.00} of the deposit would be available per the banks Any deposit checking account guide I was treated very rudely over the phone by the contact center. The contact center referred my call the the Branch in XXXX stating they would be the ones to fix the bank error. The branch refused and asked me why I would open a bank account with XXXX being so far from XXXX?
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

the original amount was {$190.00} which was charged on XX/XX/XXXX i requested a fraud alert on my bank account because i didn't know where that money was being pulled out from then i received a call from the debt collector saying the amount was doubled the original amount plus the money the bank " took from them '' which was mine since it was taken out of my account first, once i knew why the money was being taken i cancelled the fraud but i keep receiving constant calls saying the amount due to pay is {$390.00}. other than that when i cancelled the fraud the balance of {$190.00} was payed in full it shows in my credit score that it has been payed but the debt collector still harassing me through constant phone calls when the debt has been payed in full already. also when i spoke to the agent collecting the debt they told me the collection charge was going to be lifted which haven't done since XXXX because they keep saying the balance due is over {$300.00} should I filled a lawsuit against the XXXX? what should I do?
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

On XX/XX/2019 I sent a written request to have the private mortgage insurance ( PMI ) removed from my mortgage account with Sierra Pacific Mortgage. On XX/XX/2019, after several calls to follow-up with the mortgage company, I finally received a letter with the information on the PMI removal process. In the letter they requested a check for {$420.00} for the appraisal. On XX/XX/2019, I sent a check for {$420.00} and it was cashed on XX/XX/2019. Almost 30 days after the check was cashed, I received a notification that because of the complexity of my appraisal they needed another {$150.00}. There was no explanation as to what made my appraisal " complex '' or why the appraisal fee was more than we I made a similar request a year prior. I sent a check for {$150.00} on XX/XX/2019 and it was cashed on XX/XX/2019. They seem to be able to cash my check very quickly, but their follow up customer service is terrible. I have now followed-up several times to schedule the appraisal and get this completed and was last told on Monday, XX/XX/XXXX that I wouldn't receive a response until XX/XX/XXXX or later. I said that was unacceptable - I have waited since XX/XX/XXXX to have this completed only to be delayed left and right by Sierra Pacific. It should not take four months to have an appraisal done on a home. I told them if I didn't get a call by end of business on XX/XX/XXXX I would file a claim. They said they would escalate it to management. I never received a call. I feel this delay tactic is a ploy to get more money from me from the PMI. I also feel I will end up at a disadvantage because by the time they may finally schedule this appraisal, the housing market may have cooled down and the value may not be where I need it to be. I have a low interest rate on this mortgage and I feel they are using these tactics to force me into refinancing the property which would cause me to pay them even more money than I have already spent.