davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA owes me {$290.00} for overpayment on my car loan. They sent a check last year without notice and it expired. For 5 weeks now, Ive called in an attempt to collect my money. For 3 weeks in a row they told me the check was sent out and it hasnt been. I need my money now.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

This bank is a XXXX I had account with them in the past which they closed fir no reason I got approved fir a new one now they blocked it and wont Release my funds back to me or let me have an account their XXXX Im sick and tired of them and the way they are they have to be sued in small claims court they are discriminating me for no reason ans thats enough I never overdrafted on any of my accounts with them but they Goode
Consumer complaint received 2019-10-21
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 (CA)

On my XX/XX/2018 bank statement i observed two unauthorized charges from XXXX Store ( {$920.00} and {$170.00} ) which as soon I noticed them I reported to the bank so they can investigate this matter.. The first time I contacted the bank they asked me a few questions and one of questions was if I had the card in my possession since I only use credit cards for emergencies I though the card was in my possession and my answer to their questions was YES, however ; after going through my Cards I realized that the card was not in my possession. 

A couple weeks later, I received a denial letter from the bank making me responsible for the charges although I explained to them that those charges were not made nor authorized by me. I contacted the bank and I explained to them that the card was not in my possession at the time the fraud took place however the bank insisted that I was responsible for those charges. 

As a consumer, it is my legal right to request evidence for the disputed purchases and a voucher with my signature is the only evidence that will make me liable for these charges if in fact I made these purchases. I have requested in many occasions to the bank to provide me with the vouches as I as I want to verify my signature but the bank has refused to provide me with such important piece of evidence. 

The bank is being bias and because I said by mistake that the card was in my possession when I filed my claim the fist time they are using that against me but they dont really have any evidence at all to prove that those charges were made by me. 

Technically speaking I should not pay for these charges however, currently I am paying for these fraudulent charges just to keep my credit in good standing. 

I need for the cfpb investigate this matter and to resolve it in a fair manner otherwise I will exercise my legal right. 

.
Consumer complaint received 2019-11-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I started a Refinance of my home with Amerisave, and was pre-approved over the phone in XXXX this year. After over a month after paying them {$500.00} I got declined. I contacted them several times with no return calls. The appraisal took over two weeks because Amerisave did not schedule one. I requested the return of my money with no replies fro Amerisave. Also they never told what type of loan they were processing. 

Very Bad Customer service
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (CO)

I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.
Consumer complaint received 2017-07-07
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: Experian Information Solutions Inc. (TN)

I am providing you with my former employers  EIN numbers received from social security. In  XX/XX/XXXX . I worked for   XXXX   XXXX  . From  XX/XX/XXXX - XX/XX/XXXX  I was employed with   XXXX   XXXX  . I was employed with   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX . Their EIN # is  XXXX . I was employed with   XXXX   XXXX   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX .Their EIN  # is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased.  XXXX  is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (OH)

Citibank charged me a {$68.00} overdraft fee, after their $ 12 monthly service fee ( a change in terms I was not made aware of ), caused my account to be overdrawn by {$2.00}. 

I had {$70.00} the last time I checked, they took a bunch of fees out of my account then made my account negative {$70.00}! 

This is absolute theft. I was not notified about a monthly fee, and the fee level of {$68.00} is unconscionable. 

I have closed the account, I want my money back from these people.
Consumer complaint received 2021-07-01
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: HUNTINGTON NATIONAL BANK, THE (TX)

Huntington Bank reported a thirty day late when I was told it would not show up as a late pay. this was during covid stay at home orders, I was current prior and am current now on payments. I called Huntington and they assured me because I called they wouldn't report this late, not only did they not withhold their aggreement, they violated Public Law No : XXXX ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. 

I have sent them letters and they have yet to respond. Please see attached.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

LOOKED ON MY CREDIT REPORT AND SEEN A COLLECTION FROM XXXX XXXX {$26.00} ... DATE ASSIGNED XX/XX/16 ... .THIS DEBT IS NOT MINES..I DID NOT AUTHORIZE THIS
Consumer complaint received 2017-11-13
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. (IL)

In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XXXX XXXX, XXXX I received an e-mail from XXXX stating that they notified XXXX, Equifax, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XXXX XXXX, XXXX. Both emails are attached.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/2022, I depositeda a check for {$7000.00} XXXX funds in my account. I knew that it would need to go through collection which can take 6 weeks. After 7 weeks. I called to find out the amount of the deposit in US funds. I was told that it might take 8 weeks. At 9 weeks I called again and was told that they meant 8 weeks from my phone call. On XX/XX/XXXX the XXXX bank paid the check. It still has not been deposited to my account at Truist Bank.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I applied to refinance my home with the same bank as my current mortgage. 
Santander Bank. 
The bank is not going to refi without a profit and loss statement. 
I have already given the bank prior tax returns an all other documentation needed with no issues. 
I have XXXX in equity in my home I have XXXX cash in the bank Something does not seem right due to the fact that we are in never before seen times due to health emergency. 
They wanted 2021 tax returns but we havent filed yet as a lot of businesses have not done. 
Turned down for a refi with the same bank i pay monthly over not disclosing my profit and loss information I am a small business owner and not one to quickly judge anyone XXXX XXXX
Consumer complaint received 2019-05-10
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: Experian Information Solutions Inc. (MN)

Accounts XXXX XXXX and XXXX are not my accounts. I have disputed them multiple times in the last year. 
The XXXX account was opened with out my permission and I have contacted XXXX about this and they agreed to remove it and notify the credit bureaus.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

I reached out to all 3 credit reporting companies and no one has sent any correspondences in regards to my request in the past XXXX  months after several attempts. I need this data removed off of my files immediately.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (NC)

On XXXX XXXX and XXXX XXXX, I was in contact with Money Lion in regards to a fraudulent account thats being reported on my credit reports. I explained to Money Lion, I am a victim of identity theft and I also provided the proper documents to prove this. I have my police report number along with my FTC report. The FCRA states all consumers has the right to have an and all information or accounts removed off of credit reports due to identity theft. Money lion has done nothing to help with this upsetting process, by money lion reporting false information on my credit report its negatively impacting my overall credit. I will purse legal action if this matter is not fixed. I will be attaching proof of identity along with my police report and FTC report.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NY)

I purchased a prepaid debit card from NETSPEND for {$400.00} a few days ago. I went online to fill out their information but was then directed to send more information ... they wanted my electric bill ... a copy of my SS card and a drivers license. I faxed that but they said my drivers license was too " dark ''. I then scanned the info but they said they could not open it. 
I resent the info in another fax ... but that was too 'dark '' ... .I then took a photo of my Drivers License and just received an email back saying it was too " blurry ''. I have asked for an address to mail a copy but that request was never answered. 
I have had numerous emails back and forth but have gotten nowhere in trying to resolve this matter. 
Any assistance in resolving this matter would be greatly appreciated
Consumer complaint received 2020-11-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters over 45 days ago to this bureau and still have not gotten a resolution. The bureau is disregarding a regular consumer dispute. My credit is really holding me back right about now.
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, XXXX, I sent a wire from my XXXX Bank account for XXXX to XXXX XXXX XXXX. According to the wire instructions, it was to go to a Wells Fargo bank in XXXX XXXX. The wire ended up going to XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. What I learned on XXXX XXXX was that XXXX XXXX XXXX never received the wire. It appears the email correspondence had been compromised by someone else. XXXX XXXX XXXX called the FBI and started an internal investigation. XXXX also called Wells Fargo because XXXX DOES NOT have ANY accounts with Wells Fargo. Wells Fargo confirmed the account that received the money was not in the name of XXXX XXXX XXXX nor any of its officers. Wells Fargo refused to return my money despite this being an apparent violation of anti money laundering laws passed after XXXX. My wire should have been rejected by Wells Fargo as the name of the wire did not match with any name on the receiving account. I called XXXX who closed one investigation but currently has a global investigation open through my local branch manager. I contact XXXX and XXXX in XXXX XXXX who wrote a demand of payment to the Wells Fargo branch in XXXX with no response. I also filed a complaint with the OCC, and the Texas Banking Commission, and IC3. I have a police report and an open investigation with the XXXX County Sheriff 's office. Wells Fargo will not talk to me because I am not the account owner. XXXX XXXX XXXX is willing to share their findings with any federal investigator. Here is the account information of the transfer I was sent. 
Wells Fargo XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX Swift : XXXX Here is the transaction number. 



Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... XXXX ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX
Consumer complaint received 2017-11-13
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. (FL)

I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and XXXX. I filed a dispute with both XXXX and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
Consumer complaint received 2017-11-13
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)

I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and Equifax. I filed a dispute with both XXXX and Equifax to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

I have never had any loan from this company. I would like the paperwork sent to my home to have a better understanding of what this is about. I dont appreciate this company putting this on my records when i have never received one call or letter in the mail from this company. XXXX
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (TX)

It has been over 3 months since I initially contacted Cash App XXXX regarding the deduction of {$52.00} on a loan payment that I owed only {$26.00}. This occurred on XX/XX/2024. Although I sent multiple messages through the app and called them by phone three times about this occurrence, I never heard back from Cash App XXXX. On or about XXXX XXXX XXXX, Cash App XXXX deducted XXXX payments of {$26.00}, although I owed one payment of XXXX. I have called 5 times about the XXXX issue. Customer service always stated that a representative would get back to me. 

Not only has Cash App XXXX attempted to charge me twice on XXXX transactions, but they have also charged me interest on a loan that was paid back the same day ( this loan was taken out by error ). Another major issue is that I looked throughout my account on the Activity for the loan payments for XXXX but can not locate the transactions. 

As of this date, XX/XX/2024, Cash App XXXX has not responded to me or tried to resolve my issues. I refuse to pay back money that I do not owe.
Consumer complaint received 2017-09-14
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: Midwest Recovery Systems (CA)

I check my credit report every month and i just saw this company report to XXXX and XXXX that I owe a debt to this company. There was no phone number, info of the date or whatever on my credit report except an amount of XXXX dollars. i called them and they asked me for all my info, Birth date, social, address, ect.. I gave it to them. they said that they were collecting for a payday loan that was requested in my name in XXXX 2013, I told them that this was not me. I asked for more information and they told me that the only info they had was from the payday loan company was " word '' of mouth that this was my debt and that i needed to get a police report and send to them that it 's a fraudulent charge. They do n't have any other information to give me. i asked them to verify with the original company anything that states this was mine and they said they did n't have anything other than " word '', so i 'm supposed to call the police dept and say that someone used my name 4 years ago??? really? I had no phone calls, nothing from this so called payday loan company. The CSR agent was rude to me and accused me of lying about this. I am so blown away that something like this is able to happen.
Consumer complaint received 2024-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Trans World Systems dropped my credit score for a debt that is even mine. They did not send any correspondents or calls to me before reporting to credit bureaus. Not once did this company attempt to contact me. I strongly believe this colllection agency does not have all my personal info as a result of them not even attempting to contact me.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Flagstar Bank, N.A. (MI)

I opened a new checking account in XX/XX/2019. When I opened the account it was disclosed that I would received a fee every month to receive a paper statement, but I could opt out of paper statements once I registered my account on the bank 's website and signed up for online banking. I signed up for online banking the same week that my account was opened. However, on the website, I was not able to opt out of paper statements. I contact the bank, via phone and email and was told there was a technical problem, and the bank was aware of it, and was working on it. Each month, the bank has charged me a fee for paper statements. However, because of a technical issue on the bank 's end, I do not have the option to opt out of paper statements. I have called or emailed nearly every month since and been told the same thing. The first 2 months the fee was waived after I called and explained the situation. Now I am being told the fees can't be waived any more, even though the error is on the bank 's end. I have asked repeatedly for either the option to opt out of paper statements, or if the error can't be resolved than to stop charging me a monthly fee. Neither has happened after 7 months.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

They call at least Twice a day well knowing they are only allowed to call 1 a day or up to 7 times with a week I will attach screen shots of the continued harassment, they have called 15 times since the XX/XX/XXXX and sometimes from a different number trying to avoid this.