davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (HI)

The long and the short of it is I've been locked out of my account ( in joint with my wife ) for withdrawing approximately XXXX USD to my checking account at my local bank for investment purposes ( it's where all the money came from initially ). 

It's worth noting that the XXXX transfer went through without issue. My account was locked AFTER that, but BEFORE I tried to move some more over. Baffling. 

If they suspected something was amiss, they didn't bother to block the initial transfer, nor did they contact me via all means necessary ( phone, e-mail, etc -- they have all my contact information ). They just let the money sail and locked me account afterwards. 

When I received ( and missed ) a call from Marcus, upon calling them back, they insisted I needed to be sent a 'one time code ' to unlock my account, but that my phone number isn't registered in my name. It is and has been for several years, now. I'm with XXXX XXXX XXXX pre-paid, if it matters. 

Now, I'm stuck in a loop where I call to inquire about having my account unlocked and they insist they can't help me because they 'back office ' needs to handle it directly. 

I've already missed an investment window because of this and they're still dragging their feet about getting back to me. It's literally costing my wife and I money and apparently there are a lot of people having similar problems. 

I've provided all the information requested multiple times, I even had one woman ask me for my entire social security number to check an 'alternative " database, which struck me as ridiculous ( I didn't give it to her ), without so much as a call back from this mysterious 'back office '. 

As they insist on pointing out, all calls are recorded for quality control purposes, so they're free to go back and verify everything I've stated. 

This began on the XXXX of XXXX ( the initial call from Marcus, post XXXX transfer that was initiated days earlier ), I called back to no resolution. 

My next call was on the XXXX. No resolution. 

Today, the XXXX, I tried again. No resolution. 

Now, I'm submitting a complaint with the government, because banks in America shouldn't operate like a crime racket.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I am attempting to buy a car, and the lender is attempting to pull my credit report but they are unable to pull my experian record because it's " Frozen ''. When I log into Experian to manage the freeze, it shows my report is frozen. When I click the button to unfreeze it, it just gives me an error and says to contact Customer Service. 

I've contacted Customer Service three times, who each time tell me the freeze has been lifted, or that there is no freeze, yet all of the lenders are receiving an error that my Experian file is frozen. This creates a very serious problem as Experian doesn't seem to see any freezes, yet nobody can run my credit because Experian is reporting frozen to the lenders. At this point in time, I can not apply for any credit, for anything, and Experian doesn't see any problems on their end.
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (FL)

On XX/XX/2020 I paid National Credit Adjusters {$400.00} to settle the debt of {$480.00} from a closed Total Visa credit card. The original debt from the creditor was {$400.00} and it was bought by NCA. They never mailed me a notification of the debt to dispute accuracy or settle. I saw it on my  credit report on XX/XX/2020 and it said that the debt was from XX/XX/2020. I called them on XXXX and XXXX within their business hours and they were not available as the after hours message was turned on. 

After settling the debt, they advised that they would be sending a letter to credit reporting agencies to remove the debt as paid in full. Instead they reported the collections again as {$87.00}. This was settled yet they continue to report it.
Consumer complaint received 2015-11-11
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (MO)

I tried to open an account, but apparently the staff there are the " do n't care '' attitude kings. After nearly 4 weeks, I still ca n't get an account. Do n't expect them to return a call or offer any help. They are rude and XXXX.
Consumer complaint received 2015-07-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (KY)

I have another company charging me XXXX for medical bills that my insurance is supposed to pay. I have no clue why they are charging me because I havent been to the hospital that many times ... so why are they charging me. Why do I have insurance if it dont take care of medical bills.
Consumer complaint received 2017-01-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

Reference : Case # XXXX. 
XXXX ( XXXX ) called me today to tell me HSA Bank will close my account - their chose not mine. I sill CAN NOT access the account. When HSA closes my account and sends me a check there will be taxes due on this money because it is a tax deferred health savings account. HSA MUST pay the taxes since HSA has chosen to close the account because I can not access the account on line.
Consumer complaint received 2016-11-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (MO)

Today I had a fraudulent charge on my PayPal account. As soon as I got the email from Paypal stating that a transaction was pending, and I knew it was a transaction that I did not charge, I looked at my account on my mobile phone, looked up the phone number for PayPal, and got the run around with their messaging prompts. None of which had anything to do with reporting a fradulent charge. I then logged into my paypal account on my computer and I got a screen saying that someone has logged into my account using a device that was n't mine and was from a different country. All they asked me to do was change my password. They never asked if I should review any recent transactions made. I never received any communication about this device being logged into my account. 
I then read the directions of how to dispute a fraudulent charge which told me to do that in the resolution center. After going to the resolution center, it would n't let me dispute the charge. I then went to send an email through the contact page about the fraudulent charge but it would n't let me send - my email was too long to send but it never said that, it just said something was wrong. I ended up calling my bank and putting a stop on my account for this charge - costing me {$33.00}. I went back to send an email with a XXXX sentence statement to paypal ( even though they say to make it as detailed as possible ) and it went through ( from the contact page ). 
It took me XXXX to dispute the charges through Paypal. It took me 5 minutes to call my bank and put a stop on the transaction.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (DC)

I was notified on XX/XX/12 that a Chime debit card was being sent to me. I never opened a Chime account, nor did I request a card. When I tried to resolve the issue with the organization, I was asked repeatedly for personal information that I had already provided to their system in order to access their virtual chat. They claimed they couldn't look at the information I had already entered. As they already opened a fraudulent account in my name, I was unwilling to give them further personal information. When they claimed they were escalating my complaint, I was left without a response for far longer than their initial quoted time, and then was given error messages. Because of their previous fraudulent actions, I am very cautious about giving them any other personal information.
Consumer complaint received 2017-05-22
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. (IL)

I am requesting the removal of two judgments and four bankruptci es ( below )  on my Equifax and other reports due to  Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ., v. Equifax Information  Service LLC .  I did not know the source of their information on those judgments and bankruptcies and due to this Equifax has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX
Consumer complaint received 2015-09-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (FL)

I received a call today from XXXX. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a second time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CURO Intermediate Holdings (TX)

About a week ago I was contacted by someone from Ad Astra Recovery Service the man name was XXXX XXXX stated that I would be going to jail since it is considered theft in the amount of {$6700.00} XXXX told the man XXXX that I am disputing that since it only shows on my XXXX credit report. XXXX then raised his voice and demanded me to get my check book out and set-up a payment arrangement right now. I got upset and told XXXX don't yell at me sir, I'm an elderly woman XXXX then said ya an elderly woman who can't her XXXX bills. He then began to say rude an mean things such as maybe you did forget XXXX XXXX does hit people around XXXX. I was extemely upset after this phone call and I have never been spoken to this way. XXXX advised me to make a payment within the week otherwise the sheriff will be handcuffing me and taking me to jail. XXXX went as far as to say I'll have to be someone's girlfriend once I'm booked and processed. Is this legal at all. Why would this company Ad Astra Recovery Serv allow these type of people to represent them. I asked to speak with a supervisor XXXX said he is XXXX and not to bother because I would need to focus on finding me a girlfriend.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I had a XXXX. It got transfer to Carrington. My balance was {$4000.00}. I gave two payments if XXXX for principal. They put the money in my escrow and for regular house payments. Plus everytime I give a payment is {$15.00} fee. This is a fraud, my loan keeps increasing. I 'm discontent with this Co.
Consumer complaint received 2019-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (VA)

The loan was repossessed due to me not being able to title and tag because my last county claimed unpaid personal property for a vehicle owned and purchased when I no longer lived their. I called and asked if they could extend the temporary tags and they said no instead of directing me to DMV who could have granted and extension. They also did not notify me of repossession, notify me of public or private sale, notify me of the sale price and remaining balance on loan, notify me of where car was located for personal possessions. I submitted a request to remove the account from my reports due to the Commonwealth of VA code not being followed via fax on XXXX XXXX. XX/XX/XXXX I received three alerts from three different monitoring companies, XXXX XXXX, XXXX XXXX, and XXXX XXXX that they had updated the account to Closed. This re-aged the account. The account had already been closed on XX/XX/XXXX. I called them on XX/XX/XXXX and they proceeded to tell me falsehoods once a manager got on the phone saying I ignored their calls. I asked for a transcript of the call and they said their was not one ; I said their was as it stated at the beginning of the call it was recorded and this was an attempt to collect a debt. She said no ma'am it is recorded for customer service and to get a subpoena. I said I would follow another complaint with CFBP and from their the attorney general. They have also changed outstanding balance since the re-age.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, XXXX
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

Debtor filed for bankruptcy and requested referral to the XXXX program. This program gives the borrower a chance to modify his/her mortgage loans while in XXXX. Although the borrower submitted the complete package to Seterus, it refused to submit the borrower 's complete package to XXXX underwriting.
Consumer complaint received 2022-08-09
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 2021, 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 2015-11-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NY)

I have requested this company stop calling me numerous times. I 've called back and asked to speak with a supervisor, was hung up on several times, finally got through to somebody claiming to be a supervisor and assured I would no longer be called. I explained I would file harassment charges. They 've called back and the same scenario has played out for the XXXX time today. I do n't know XXXX XXXX He obviously had this number before me. I believe XXXX XXXX is deceased to be completely honest.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX an overdraft notification was received by text to my phone in regards to my Wells Fargo business checking account. I looked at the account through the Wells Fargo app and noticed XXXX charges that I didn't recognize. The total amounted to {$14000.00} with charges from {$250.00}, {$500.00} ( majority ) and {$1000.00} at a time. 

XXXX of the charges were authorized on XX/XX/XXXX while the rest were authorized on XX/XX/XXXX and XXXX. The charges were made to XXXX online gambling platforms. XXXX for a total of {$12000.00} and XXXX for a total of {$2000.00}. 

I turned my card off on XX/XX/XXXX and submitted fraud claims online through my Wells Fargo account. Within a couple days the claims were denied for " no error found ''. I went into a branch to get additional support with a branch manager. 

I was able to reopen the claims case by submitting additional information I received from the XXXX online support. I provided my card information and personal information to XXXX and they confirmed that my card was used by an account holder that did not use my name or information to open the account. I shared these emails with Wells Fargo and provided additional facts that I am a Texas resident and can not sports gamble online or otherwise due to Texas state law. 

For the next 4 months I waited to get a response while the online claim status continued to stay closed. I called the claims department every other week during these 4 months and was told the claims are still being reviewed. 

I finally was directed to the business claims department on XX/XX/XXXX. They requested I provide additional information that Texas residence can not online gamble and the emails from XXXX. I did provide them the evidence that day. 

I received a call on XX/XX/XXXX that Wells Fargo does not see this as a banking error and no fraud was committed. 

The charges were not done by me and couldn't have been done by me. Wells Fargo refuses to take responsibility for allowing those consecutive, unauthorized charges and refuses to protect me as their customer.
Consumer complaint received 2022-02-07
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. (MI)

I have reached out to Experian on two separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the two other reporting agencies ( XXXX and XXXX ), they have the same account listed with a late payment, however none of those dates match. XXXX has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my credit score is impacted negatively.
Consumer complaint received 2015-10-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rickart Collection Systems, Inc. (NJ)

Debt collector - threatened to obtain legal action ( judgement ) however there are no details on how they determined the debt ( medical bill ) no date of service, where etc. 

We get XXXX of medical bills a month as we take care of our ill father. This tactic is disturbing
Consumer complaint received 2024-05-12
Product: Credit 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: Block, Inc. (SC)

I purchased 2 pairs of glasses from XXXX. I used XXXX, XXXX who offers virtual credit cards/virtual payment plans for consumers. 

After checking out, I noticed I never received any confirmation email about the order from XXXX XXXX. I was looking for XXXX customer service to contact them about my order. They have a U.S phone number and address listed on their website, but the phone number is not working. ( XXXX ) XXXX Also, I came across many reviews online of people saying that they never received their orders from XXXX, and they are a scam company. They also are using a US address to make it appear that they are located here in the U.S but they are really in XXXX. Which, I feel is misleading to customers. 

The same day that I placed the order, I immediately contacted Afterpay about canceling the transaction due to the information I found out about the Merchant ( XXXX ) Afterpay said that there is no way to reverse a transaction once its been completed and the only way to be refunded is to : 1-Wait to receive the items from the Merchant and return the items. 2-Contact the merchant to ask them to cancel the transaction. I reached out to the merchant but iniitally received no reply. 

After filing a complaint with the XXXX XXXX XXXX, After pay opened a dispute for me. 

On XX/XX/2024 XXXX finally replied to me after the dispute was opened asking me why I want to cancel. I replied that I had decided to purchase elsewhere and asked them to cancel. XXXX XXXX replied back saying They wont help me or cancel my order unless I close the dispute with After pay. 

I contacted Afterpay back and sent them copies of the email I received from XXXX. Afterpay sent me an email saying that they have closed my dispute and that they cant help me, and I just have to work directly with XXXX to get a cancellation and refund. XXXX will not cancel the order. Also I found information online about the address XXXX is using. It was on the XXXX XXXX XXXX Scam Tracker. The address is XXXX XXXX XXXX XXXX, NJ XXXX, I sent this information to Afterpay as well. 

On XX/XX/2024 I placed an order with XXXX online for my eyeglass prescription which I paid directly from my bank account. The issue is that now I am unable to get a refund from Afterpay, or XXXX. 

I