davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I attempted to make a purchase online at XXXX using my Citibank debit card. The authorization didnt go through and I attempted it 2 more times. I then realized I should call my bank as the type and amount of transaction probably caused a flag on my card, some kind of fraud alert. I explained that the transaction was legitimate and asked them to notate my account that I attempted that purchase and would want to do it again. The representative said it was referred to fraud Dept for review, and that my card would be cleared In about 1-2 hours. This was at XXXX XXXX  on XX/XX/XXXX. I called again at around 2 ish only to be told by another rep that it could take up to 48 hrs. This is unconscionable and unacceptable as I called to explain the transaction and I was also thoroughly vetted by them. This account with Citibank and associated debit card is my only source and access to my funds. I am XXXX  yrs old without other resources. Citibank is holding my funds hostage. They would not let me speak to a supervisor when I requested and told me they had no access to the back office to which they kept referring. I spent over 5 hours trying to rectify this situation which - being there was NO FRAUD- should have be solved in minutes. Also, as big a corporation as Citibank is, they disclose no contact information for executive offices/officers. I even called general customer service and said I needed to make a formal complaint and the representative told me there were no issues with my account. I asked her to contact fraud while I waited to make sure. She didnt, but just transferred me to fraud - again- who verified what I already suspected- they had NOT REMOVED THE BLOCK ON MY CARD. I also feel that I am being punished because of the many calls I made to Citibank regarding this situation as the customer service supervisor said, you have made many calls. I said YES, You have basically frozen my funds!!!! I am sick over this
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have sent letters and called the credit bureaus as well as the merchant to sold this issue. 
I dont have any late Payments and if so can they please send me something. I never received any bills online or mail.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&S Physician Services, Inc. (TX)

Last year in XX/XX/XXXX, I reached out to Harvest Associates Inc., for the XXXX  time regarding XXXX inaccurate and erroneous accounts : the XXXX account in the amount of {$660.00} for services they claimed was rendered on XX/XX/XXXX and the XXXX account in the amount of {$620.00} for services they claimed was rendered on XX/XX/XXXX. Both inaccurate and erroneous accounts are listed on my credit report. I previously sent Harvest Associates Inc., a letter explaining to them that both of my insurance companies did not receive any claims from Harvest Associates Inc or the original creditor XXXX XXXX XXXX. My primary insurance company XXXX. My secondary insurance was with XXXX which paid for any additional expenses my primary insurance would not cover. I contacted via phone both of my insurance companies and they stated to me that no claims were submitted to them for either {$620.00} or {$660.00} amounts from Harvest Associates Inc and/or XXXX XXXX XXXXXXXX. I even sent another letter to Harvest Associates attaching a copy of both insurance cards requesting them to call, write and verify with both insurance companies that my plans were active on the dates they claimed I received services on. However, Harvest Associates refused to follow-up with either insurance companies. I also requested the validity and accuracy of Harvest Associates Inc., last investigation of both accounts. However, I received a certified letter back from Harvest Associates stating that : " we have verified with the creditor that services were provided to you, or you are listed as guarantor on the account. According to the creditor 's records, the balance reported is still outstanding. " Harvest Associates did nothing to assist me and never contacted XXXX or XXXX. So, both accounts went straight to collections with Harvest Associates after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$660.00} and after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$620.00}. Harvest Associates refused to remove both accounts from my credit report and the credit bureau claimed that they had researched both collection accounts and had verified that the items had been reported correctly. This is not true because I sent the credit bureau proof that I had XXXX types of insurances on the service dates and the account numbers listed on my credit report for both Harvest Associates accounts is listed incorrectly. The credit bureau researched, verified and kept incorrect and erroneous accounts listed on my credit report. Both accounts are listed with different agency names on my credit report and not reflecting Harvest Associates Inc. To that end, Harvest Associates even have the name of my street misspelled on their letter.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CA)

This loan was paid off on XX/XX/XXXX and was posted as a withdrawal on my account on XX/XX/XXXX. I called the lender, Santander Consumer, on Wednesday, XX/XX/XXXX to find out when I would receive the title to my vehicle. They told me it would be sent out via USPS the next day on Thursday, XX/XX/XXXX from Texas. I had purchased another vehicle from a dealer who gave me a reasonable offer to purchase the vehicle I just paid off. I explained that the offer from the dealer was only good until XX/XX/XXXX and I needed the title to sell my vehicle. The person at Santander explained it would be mailed XX/XX/XXXX and would be here by XX/XX/XXXX. 

I have not received my title as of today, XX/XX/XXXX and my offer has expired and I will most likely lose out on money. What can I do you get my title for my vehicle? The representative at Santander obviously gave me false information, because if they indeed sent it out XX/XX/XXXX, I should have received it by now.
Consumer complaint received 2023-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Account name : PORTFOLIO RC Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$150.00} Balance updated XX/XX/XXXX Original balance {$150.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Dispute resolved ; customer disagrees Your statement - Contact info Name PORTFOLIO RECOVERY Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Parker & Associates (CA)

This company calls from various phone numbers using a robotic message. Sometimes I am able to speak to a live person and other time they hang up on me. 

They call my family members. 

XXXX Call to my spouse and threatened to take legal action XXXX I called and they told me they were XXXX Parker and Associates. They refused to give me an address and would not give me more information. I have asked for information in writing.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TN)

OneMain Financial shows my monthly payment of {$510.00} due every month ; however, a signed settlement was agreed with a new payment of {$380.00} to be paid each month starting on XX/XX/2020. Each month a payment is made in the amount of {$380.00}. It has been over a year and each month my credit report shows a past due balance because OneMain is still reporting the monthly payment {$510.00} is owed instead of {$380.00}. OneMain will not update their system and report it properly. I have spoken to numerous individuals at OneMain and no one gets back with me to resolve this issue. I have documentations to show the agreed monthly amount of {$380.00}. This has impacted my credit score for over a year now! I need help getting this fixed with OneMain and getting my credit report updated correctly.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (HI)

RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when Comenity decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at Comenity contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. 

In conclusion : 1. The seller committed fraud by lying about the quality of their product and their location, and their XXXX  information and countless reviews proves this.

2. Comenity committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then Comenity committed a second count of fraud by selling the fraudulent account to XXXX. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in.

With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady XXXX  collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by Comenity. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. 

Finally, XXXX is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX  where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of XXXX. 

Quash this account and restore my credit IMMEDIATELY!
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have written many emails and did call several time. No proper help. My money is stuck since XXXX. I need help. I havent managed my coinbase account yet. They are a scam. Please help. The amount is now mear XXXX pounds. It still shows account restricted and I can not do anything.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am reporting a problem with resolving fraudulent usage of my Bank of America credit card ending in XXXX. 

My credit card was stolen from a safe in the basement of my house in XXXX, CA, at some time between XX/XX/XXXX and XX/XX/XXXX. I was not at the house at the time and was not aware of the theft at that time. 

On XX/XX/XXXX, my Bank of America card was fraudulently used at XXXX XXXX  in XXXX, CA for a {$320.00} purchase ( see attached statement ). I receive text notifications for all charges on my phone, and I immediately reported the fraudulent charge to BofA. At this time I did not know that the card was physically stolen. The fraudulent charge was reversed at that time. 

On XX/XX/XXXX, after I received other notifications from other fraudulent charges on credit cards and debit cards that were stored in the safe, I realized that I had been robbed and I contacted the XXXX police department. I reported the theft of the safe and the contents, including the Bank of America credit card. The police did an investigation and provided a police report ( see attached document ). 

On XX/XX/XXXX, I received a letter ( see attachment ) saying that the claim had been denied because the card was physically used, and the fraudulent charge was restored. I immediately appealed the denial and sent in the police report and contact information for the officer who worked on the case. 

On XX/XX/XXXX, I called to check on the status of the case and I was told that my documents had been received and the case was being investigated. 

On XX/XX/XXXX, I called to check on the status of the case and I was told by a supervisor that the case had actually never been re-opened. I was told that the case was now being re-opened and they would consider the documents I provided. 

Bank of America has refused to revert the fraudulent charge again while the case is being investigated, and my account now has a balance due. I was recommended to pay the minimum balance due on the fraudulent charge while the claim is investigated. I am extremely disappointed with the lack of communication and follow-through on the appeal and with being asked to pay for charges that I did not incur on my account. I will be sending the minimum payment ( {$25.00} ) while my claim is being investigated.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2021, a regular monthly {$3000.00} ACH transfer was executed from my checking account at XXXX XXXX to Wells Fargo. 

The transfer was completed ( Trace ID # XXXX ) but the funds were not credited to my Wells Fargo account before the account was closed on XX/XX/XXXX. When the account proceeds were sent to me by check, the {$3000.00} was not included. 

I have filed multiple claims with Wells Fargo ( most recent claim # XXXX XXXX for the return of the funds. In response, Wells Fargo first recurrently denied the transfer was completed, then claimed to have returned the funds to XXXX XXXX. Finally, in a letter dated XX/XX/2021, Wells Fargo acknowledged the completion of the transfer : Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. However, they said nothing about returning it. 

In a fax on XX/XX/2021, I again provided Wells Fargo with the Trace ID number, a copy of my XXXX XXXX statement for XX/XX/2021 showing the transfer, and even a copy of its own letter to me confirming the transfer. 

However, Wells Fargo has been nonresponsive, now claiming that XXXX XXXX is responsible for requesting the return of the money -- but not responding to XXXX XXXX 's request that they do so ( that according to XXXX XXXX, Business Reporting and Customer Advocacy Manager at XXXX XXXX ). In its most recent letter to me, Wells Fargo says " We consider this matter closed. '' There is no mention of where the funds are or why they have not been returned. 

Wells Fargo is clearly committed to keeping my {$3000.00}. I request your assistance.
Consumer complaint received 2021-12-14
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: BARCLAYS BANK DELAWARE (NY)

My Barclays VISA card was supposed to be replaced by a XXXX. I never received a XXXX, but I found XXXX charges on XX/XX/2021. One was {$1100.00} and the other was {$140.00}. When I was able to figure it out I called several times to report it to their fraud department. It is very very hard to reach their fraud dept. It took me more than an hour to reach them. Finally, I did report. But after a few weeks, they closed my case without letting me know the outcome. I tried to reopen my case, but they needed a written request to do so. I have made a written request to reopen my case. I asked them whether they have reported to the credit bureaus, they couldn't say anything. But in the meantime, my credit score has dropped down vigorously! When this occurrence happened, almost all my credit cards were paid off. As per their statement for XXXX, my Barclays card had a zero balance. So I was worry-free! But, as of XXXX, I find the balance of {$1300.00} I do not have any idea about these charges. 
After making the complaint, they canceled my card and issued a new one. This is a XXXX. But I never activated, because I am scared of further fraud. Please ask them to carefully investigate, waive the fraud charges and make a reverse report to all major credit bureaus. Thank you in anticipation.
Consumer complaint received 2021-12-14
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. (NC)

My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.
Consumer complaint received 2021-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (KY)

Money was supposed to be debited on XX/XX/21, money was debited on XX/XX/21. I contacted Earnin and they instantly put the money back in my account. There 5 debits cleared the bank before my bills did, so I had a bill rejected that resulted in an overdraft fee. The money was in there to cover my bills, but the Earnin debits cleared instead. Earnin refunded 3 of my overdraft fees caused directly by their debits, but refuse to refund the fee caused by my bill being rejected, even though the bill would not have rejected had they not taken their money out on the wrong day.
Consumer complaint received 2022-03-28
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2021-08-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WI)

In this month XX/XX/2021 ( not sure of date ) I applied for a loan from Wells Fargo. The house that I want to finance is free of any debt. I really want to finance the house to make repairs. I applied for $ XXXX- {$30.00} to complete all repairs. I was turned down without any explanation or reason, why because of the neighborhood or my race or my sex. I have been with Wells Fargo over 20 years. Maybe its just not enough money for them to consider the the financing. 
I am so used to being mistreated and turned down because of my race, age and gender but I am also angry. Why? Wells Fargo did send me a packet but soon after a letter followed saying that they were sorry that they were not able to help me. 
XXXX XXXX XXXX XXXX wi XXXX
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Radius Global Solutions LLC (TX)

I was contacted several months ago to take care of a debt that I owe. I reached a debt settlement. However, I never received a debt settlement letter. I have made repeated attempts to retrieve such letter. I have been told that a letter have been sent out, however, I have not received any such letter. Every month, money is being deducted from my account. However, I am not sure that the debt is actually being paid off.