davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (GA)

I made several transfers between XXXX XXXX and XXXX XX/XX/2023. The money was withdrawn from my bank account at XXXX and placed on hold at Wise. It was to be held for about 3 days. Just hours before it was set to be released then my account at wise was deactivated. It never posted but my money was still gone from my account at XXXX It was 3 transactions. One for XXXX and two for XXXX. I contacted wise who assured me my money would be held safely and returned to me after the investigation. Almost 40 days later wise concluded their investigation and immediately refunded an amount of XXXX usd. I filed complaint with them and they stated they couldn't give me any detailed information. I filed complaint for a charge back with my bank. My bank refunded me the {$1000.00} and one of the {$500.00} transactions. Wise then sent me a notice saying I was owing them money. 
Wise completed the complaint I filed after I did not receive my money. In their letter they refer to transactions made on XXXX XXXX and XXXX XXXX and XXXX XXXX. These are not the correct transactions. My transactions took place on XXXX XXXX and XXXX XXXX. Two transactions : {$1000.00} and {$500.00} on XXXX XXXX and one transaction of {$500.00} on XXXX XXXX. They didn't address the correct issue. I didn't have an issue with the transactions on XXXX and XXXX XXXX. I have proof the money came out of my account at regions bank on XXXX and XXXX XXXX and it was never returned. It had yet to post to my wise account so I never spent the money. I asked Wise.com for a statement of my transactions and they replied they can not offer a statement. Again, the transactions they bought up in the complaint result were from XXXX and XXXX XXXX and I used those funds. Which is why I was making another transfer on XXXX and XXXX XXXX. The transfers for XXXX and XXXX XXXX were never received by me in my Wise account. The money was withdrawn from my XXXX account and now appears to have disappeared because before it could post wise deactivated my account. Wise has also now made claim that I owe them for the {$1000.00} charge back from my XXXX  account. If they were to investigate the correct transaction dates then the would see they owe me and I do not owe them. I have not received a straight honest reply from the customer service department. I have not received any bank statements from my account so I can verify my spending and transfers via the wise.com account. I have my proof from my XXXX  account only and I feel that Wise.com is being dishonest about my money transfers which is why they won't give me any detailed information from my account in XX/XX/2023. I require help in recovering my money and clearing my account with Wise.com. I am not the only person that has experienced this with Wise.com. I took to XXXX to find numerous complaints regarding similar issues from other customers. This seems to be a recurring problem with Wise.com. they should be investigated for fraudulent services.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (ID)

XX/XX/2021. A purchase of {$49.00} by merchant vod info was made on my card. I did not make that purchase ... I called the merchant phone number in the description and the phone number has been disconnected. I called XXXX XXXX payroll card customer service and they tell me it will take 45-90 days to process a dispute. It should not take 45-90 days to resolve a dispute!!
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I attempted to mobile deposit a XXXX XXXX XXXX payroll check in the amount of XXXX, into my Bank of America Checking account. I was assured when calling Bank of America that funds would be available the next day after XXXX. The next day the funds did not show. I called Bank of America again on XX/XX/XXXX and was told there was a 9 day hold on my deposited funds. I have no funds available and my entire pay check is being held. The second rep I spoke to on XX/XX/XXXX, advised me to commit fraud and attempt to cash the paper check even though I had mobile deposited it and was told they could not cancel a deposit. After speaking with a supervisor I was informed that they would NOT call and verify payroll funds with XXXX XXXX XXXX and I would just need to wait for the funds to release over a week later. My check was deposited XX/XX/XXXX and I'm told it won't be available until XX/XX/XXXX. The check plainly says Payroll. 
This is my rent, my electricity, water, and my cable all LATE by a week because they don't want to call. Then you advise I commit fraud? Really?! Something has to be done to release my funds. I will loose my home. 9 days is too long when the telephone number to verify is printed on my payroll check.
Consumer complaint received 2021-06-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC (IN)

On XX/XX/XXXX Med - 1 Solutions send me a letter informing me that I have a balance of {$4000.00}. That they previously tried reaching out to me to collect this debt under the FDCPA, and to that date they have not receive any resolution. 

I called spoke with XXXX XX/XX/XXXX after receiving the letter in the mail to understand what debt are theyre trying to collect. She informed me it was from year XXXX and the debt amount was {$4000.00} different from the letter Med- 1 Solutions send on XX/XX/XXXX. She also couldnt provide me with anymore information. She requested that I send a email asking for a idolized list of the debt theyre trying to collect. I send email XX/XX/XXXX. She informed me that Ill get a email back that day with the list. I called back on XX/XX/XXXX because I never receive list. She informed me they were unable to send via email and will send a list in the mail. 

I called back again on XX/XX/XXXX they informed me that they couldnt locate list and will have a supervisor give me a call back with update. I called again on XX/XX/XXXX they informed that a letter was send on XX/XX/XXXX. I requested that they send the list again On XX/XX/XXXX. 

I finally received list on XX/XX/XXXX I see that the balance owe from the medical bills are the balance of {$2800.00} and that I made a payment of {$200.00} by on XX/XX/XXXX and Med - 1 solutions added additional charges to the debt owe. I called again on XX/XX/XXXX to ask why I have additional charges and dont see the {$200.00} taken off debt, they place me on hold and then disconnect the line.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised
Consumer complaint received 2019-09-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

I applied for a mortgage with Amerisave ... .... 

Back in XX/XX/XXXX, I disclosed to the Representative over the phone on a Recorded Line that I had a Bankruptcy in XXXX. The Bankruptcy is also Clearly Obvious on my credit report as well. I was hoping they could offer me a lower rate since the rates have come down over the last year. I have no problem with FHA Loans as long as it works for me, and there is a Tangible Benefit.

They took my application, took my Debit Card, took {$500.00}, did an appraisal and told me I was approved and I would be at the closing table in a few days. The very next day I got an email telling me the loan was cancelled because of the Bankruptcy. They knew that from the beginning, now they will not give me that loan, and there is no other loan for me, and they will not give me my money back. They could have made the decision to Decline the loan without ever getting a Fee from me, there was no need for Fees if I dont qualify for any of their loans. 

Considering they had no intention on giving me a mortgage, I feel like they just wanted to steal money from me. I had to go to my bank and file a dispute and wait two months to finally get my money back. When I finally heard back from the Representative I was working with, she told me she went to bat for me. I am not sure what that meant since she was the one initiating the loan and allowing this whole thing to go on. Then she told me I could dispute it with my bank. Who on earth does Business this way? If you don't like us stealing from you, go back to your bank and try and get your money back! What a way to take care of your client!! 

I would like to see this company audited and perhaps investigated, especially after I read several other reviews online where past applicants have had the same exact issue. Sadly for them, they never got their money back. To lose {$500.00}, that hurts, I work for a living. These people need the Mortgage Police!
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

Greetings, I received a check as a loan from a friend and I deposited it into my chase bank account. Shortly after deposition the check chase bank suspected the check as fraud and froze my bank account. After contacting them and a long conversation they gave me two options 1- to have the issuer of the check to walk into a chase branch with 2 valid identification cards within 7 business days of that notice and state the check is not fraud or 2- chase bank will call the issuer and confirm that the checks not a fraud. These two options were not possible for me as the issuer is a dual citizen and was not in the country at that time to go into a branch and clear that up ( please note that the check I deposited was with an American  bank XXXX XXXX ) and the second option was not possible because chase bank insisted on only calling a phone number of the check issuer that is registered on public records and there was no available number there to contact her ( I also requested chase bank to reach out to XXXX XXXX XXXX and to obtain a phone number of the check issuer to contact her via a verified number ). As a result chase closed my accounts because they suspected fraud and has withheld that balance from myself and the check issuer till today. I reached out to the check issuer to contact her bank and verify the check which she did and her bank contacted chase to verify the check but chase still refused to release the funds. As a result because chase refused to release me the funds I requested the issuer to request a recall from the bank where the check was issued ( XXXX XXXX ) and she did the bank requested that the check be reversed and chase refused to release the funds. As a result at this point chase is withholding funds of {$1300.00} from my checking account and refuses to release it to either myself or the issuer. Secondly they shut my accounts down which includes my checking account and notified me that they are ending all relationships with me.
Consumer complaint received 2018-02-11
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: We Collect Inc (FL)

I have been disputing this item since I became aware of it. There are numerous complaints I have made. 

This is regarding an apartment I sublet in XXXX Oregon from the XXXX XXXX  XXXX XXXX. I rented the apartment for two months. I paid a security deposit. I notified XXXX that my job had ended @ XX/XX/2014. XXXX informed me that it was ok. Rental demand for apartments in XXXX is high and they were able to rent the apartment. When I asked for the invoice to substantiate the claim I did not paid I was given the attached invoice which is for a period of time I was not resident. I have submitted copies of my bank statement which shows two withdrawals for {$700.00} each paid on XX/XX/XXXX, and XX/XX/2014. I have asked XXXX XXXX to research the money orders which typically I used to pay rent. I have sent the bank statement to XXXX XXXX who claims that the withdrawals do not prove that I paid. It doesn't prove that I did not. 

This dispute has been ongoing and frustrating that it is not corrected. No matter what I supply XXXX and XXXX XXXX still claim I didn't pay.
Consumer complaint received 2021-10-26
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: DISCOVER BANK (TX)

On XX/XX/21 I went to XXXX XXXX at XXXX with someone < XXXX y/o. I was not informed of the policy of > XXXX y/o after XXXX until my card was charged. I was promised by the cashier that they would process the refund at the end of the day if we didn't play any games and just left. After a couple of weeks with no refund, I called XXXX inquiring the refund and was told they don't recall my story so I opened a dispute with Discover on XX/XX/21. Discover gave a temporary credit while they were investigating and originally sided with me. Then on XX/XX/21 they charged me back for the transaction, but credited it back on XX/XX/21. On XX/XX/21 Discover decided to side with the merchant and charged me again, but this time with no credit back.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I filed XXXX XXXX on XX/XX/2022, and PennyMac Mortgage reported that I am in the arrears on my mortgage. I am not and was never in the arrears. I reported this issue already and am submitting more documentation that was received from PennyMac 's lawyers. 

Also, I confirmed via telephone today with PennyMac 's customer service representative that my account is current with no arrears due. Therefore, PennyMac is attempting to collect money in arrears from me that is not legally owed. 

Also, PennyMac is refusing to correct the XXXX XXXX XXXX removing the incorrect arrears. I owe no arrears to PennyMac.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised
Consumer complaint received 2023-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXXXXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX XXXX XXXX KOHLS/CAPONE, XXXX XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Sent Certified Letter and no response from Portfolio Recovery. I have disputed this thru all three credit bureaus and they report the information is accurate. I have demanded that they send me documentation bearing my signature with a contract with Portfolio Recovery on two accounts they have.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (NJ)

I just received a call from Wells Fargo letting me know that they are still looking into this claim And they would send a letter stating so I just opened my email to find a message from this site and it shows claim is closed Doesnt make sense!!!
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Consumers Financial protection Bureau Date : XX/XX/2022 Re : Wrong Address in my credit Report After I contact experian credit report regarding a fraud address in my credit report They suggested to contact Cunsumer Financial protection bureau to file a fraud address report in my credit records. 
The fraud address in credit report : XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-04-30
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. (FL)

I have been a Victim of Identity Theft both from my Driver License & Social Security card that was stolen twice and fraudulent accounts were open. XXXX also confirmed that my name and Social Security have been compromised. With both Crimes that occurred against me that lead to many fraudulent accounts opened under my name. TransUnion has received my FTC & IDENTIFICATION Theft Police report. As per section 605 B FCRA TransUnion is currently reporting an account from XXXX XXXX with a balance around XXXX that is fraudulent. TransUnion is not cooperating with the FCRA 605 B and are currently not in compliance with the FCRA law. I have to note that I have hired a FCRA attorney. He is advising that I file this complaint so a paper trail is present.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
Consumer complaint received 2022-04-30
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. (SC)

In accordance with the Fair Credit Reporting act 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. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Consumer complaint received 2022-04-30
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. (SC)

In accordance with the Fair Credit Reporting act 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. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.