davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, my wife ( XXXX XXXX ) and I purchased a couch from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. For the XX/XX/XXXX payment, our bank XXXX sent payment to CapitalOne in the amount of {$51.00} on XX/XX/XXXX, nine calendar days before the payment was due. The payment due date was XX/XX/XXXX. The payment was processed by CapitalOne on XX/XX/XXXX, eleven calendar days after the payment was sent. This event triggered a series of late payment and interest fees. Some of which were reversed. This event ( which should never occurred ) also triggered an increase to the monthly payment amount ( $ XXXX/per month was the agreed amount thru out the repayment of the same as cash offer ). This caused more late fees and more interest charges. I have been contesting and disputing all of the late payment fees and interest fees since XX/XX/XXXX. I subsequently paid the balance of the credit card bill off significantly early in XX/XX/XXXX. We closed the account. 

CapitalOne believes we owe them $ 600+ in interest and late payments on a credit card which was paid on-time each month and paid off before the term of the offer.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (MI)

My Robinhood account has been restricted since XX/XX/XXXX. Robin Hood is not allowing me to withdraw my cash balance from my brokerage account of {$10000.00} I wanted to withdraw my money to move to a different platform. However Robinhood has restricted my account and the message states. 
Your Robinhood accounts are restricted due to a recent review. We'll notify you by XX/XX/XXXX Before this it said theyd notify me by XX/XX/XXXX, then it said theyd notify me by XX/XX/XXXX then it move to the XXXX when the XXXX came they moved it to the XXXX. 

I did some research online and discovered that Im not the only one who has come across this issue. 

Please help me
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I'm not liking the response that wells fargo is giving me to a scam that happened 2 months ago. I was lead to believe I was getting a loan and because apparently it was done through my account that means I gave the scammers permission to take money out my acct? I thought i was applying for a loan to get money not have it taken away. That's why I said I THOUGHT I was getting a loan. A loan is because I need money. Now scammers are smart and made it be me doing it so they get MY money Wells Fargo refuses to want to give me back MY money
Consumer complaint received 2020-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 I made a purchase with XXXX   to assist me with all the proper documents needed to file a divorce. The documents provided were incorrect as you'll be able to see along with this rebuttal. XXXX is not a law firm as stated in their disclaimer notice. 

XXXX XXXX XXXX, All Rights Reserved Disclaimer : XXXX XXXX is not a law firm and its services, website and forms are not a substitute for the advice of an attorney. 

Legally they are not able to assist me in any legal matters pertaining to the wrong papers being filed and returned back to me from the clerk of the court. Therefore I ask that my dispute remain valid and my reimbursement stands for services not received. I had to refile my papers with the clerk of the court with the help of the law clerk at the XXXX County Law Library located within the court house the papers needed to be filed.
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a one thousand dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ 700+ ) and XXXX credit card ( $ 900+ ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (NV)

This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/16 2. I made a payment of {$32.00} on XXXX/XXXX/16 which they did n't apply to my card 3. I made a payment of {$610.00} on XXXX/XXXX/16 which they did n't apply to my card 4. I made a payment of {$650.00} on XXXX/XXXX/16 which they did n't apply to my card 5. I made a payment of {$1000.00} on XXXX/XXXX/16 which they did n't apply to my card 6. I was then charged a {$39.00} late payment fee on that {$25.00} minimum payment This makes no sense to me no matter how they try to explain it. Basically my payments were too early or too late even though they were all paid in the same month. I paid {$2300.00} towards my credit card balance in the month of XXXX when I only had a {$25.00} minimum payment due, but somehow they were able to charge me a {$39.00} late fee.
Consumer complaint received 2016-03-11
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Circle Internet Financial (PA)

I received a random notice 3 days ago from a debt collection agency called XXXX referring to a relationship I had with Circle Financial a year or so ago. They 're stating I owe {$100.00} which I do n't recognize and definitely is n't mine. I want it removed immediately with no impact on my credit.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

I received a call from a company in California called XXXX XXXX XXXX who said that they had submitted paperwork to take me to court for litigation on an old bank account from US bank from like XXXX or XXXX, I did n't even know about this account til the company said something because I was never sent the information pertaining to it file # XXXX and then they said the consumer finance protection bureau had filed a complaint against me as well but I never received any notification from you guys or US Bank claiming fraud, I thought that once something was n't on credit report could n't use it again
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

Purchased XXXX bras and opened a macy 's card. I paid this the following month. Next thing I know I owe {$64.00} more in fees. More than my original purchase!!!! I paid the fees, closed the account and will never, ever, ever do business with Macy 's again. 

DO NOT OPEN a MACY 's CREDIT CARD.
Consumer complaint received 2024-03-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed for a dispute on my XXXX  account in 2021  they never refunded back my complete amount owed nor did they complete the full process as I was told they did .. they approved my claim on behalf of all reporting documents and verification. Which I complied fully and thorough.. I have exact dates and acct numbers and claim numbers which I would like to be processed to receive my right ful money I am homeless with XXXX XXXX. Please help
Consumer complaint received 2016-09-19
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2014 XXXX XXXX was to receive a wire transfer from a XXXX client. 
The wire of {$40000.00} was sent to a scam account that a Wells Fargo employee opened in the name of XXXX XXXX, which we had no knowledge of. 
The client sent us the wire transfer receipt which showed the receiving bank as Wells Fargo, XXXX XXXX Branch We have no knowledge of this account and our account is in XXXX in XXXX. 
We called the Wells Fargo Branch immediately. The funds were still in the account. We told them this is a fraud. They did not help us. The next day a person walked into the XXXX XXXX Wells Fargo branch and withdrew the {$40000.00} and closed the account. 
I am the XXXX of the company. The owner is an XXXX year old man that is ill. This loss was devastating and the company had to close their office and work from a home location. 
We are pleading that you assist us. 
We filed a complint with yur bureau XX/XX/2014. You did not retrieve our money. Now that Wells Fargo is in the news with exactly the scam that happened to us we are hoping that you will help us be paid the amount of {$40000.00}.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted TransUnion on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting act as to there failure to respond in a timely manner.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Due to the XXXX Administrations projected and upcoming Higher Education Act in 2023, I ceased making payments to my outstanding student loan starting XX/XX/year> and resumed payments starting XX/XX/year>. [ also see Navient acct stmt & news articles attached ] During that timeframe, I received numerous messages -- letters from Navient, stating that the loan I currently had was in forbearance, therefore did not make payments for that period of time. I did receive a final letter from Navient ( in the Fall ) stating that it was important that I begin making payments again -- and catch up with any outstanding payments no later than mid-XXXX, which I did. 

In the month of XXXX alone ( and within a 30-day period ), I made five separate payments each a minimum of {$180.00} ( with 3 payments at {$220.00} minimum ) totaling {$1000.00} ( see attached Navient statement ). 

During the forbearance period ( XXXX XXXX ), I received numerous letters from Navient stating there was an overall forbearance in effect for outstanding student loans and there was an opportunity available at that time for a pause in making payments. 

My intent was to pay the amounts due I had the funds available to do so Thinking that the forbearance would not create a problem with my credit history -- as it has and looking forward to the XXXX Administrations next steps for the upcoming program. 

My current XXXX is much lower ( from XXXX ) which dropped at the end of XX/XX/year>. But also the forbearance ( payments ) have been reported to the Credit reporting bureaus as Serious Delinquency. 

Im requesting that my credit history be corrected and the delinquencies be eliminated due to the understanding I ( and the Nation ) had regarding the ongoing forbearance period during XXXX 2023, which was not accurately reported to the Credit Bureaus.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NC)

I got a title loan with Onemain. While getting the information I was told that I had to get the insurance in order to get the loan so I agreed. I looked through my documents and came across another insurance so I called the number in which the person told me that the insurance wasn't mandatory and could be returned. I did that and adjustments were made. However I still feel like I was tricked into this contract and I'm not sure of any other possible mishandling of me as a customer in a contract with them.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NC)

I have already paid off the loan with One Main Financial but I do remember them telling me that if I did not sign up for the optional protection if I had lost my job that I could possibly not be approved for the loan. So I signed up for it even though I knew I didnt need it and didnt need the extra fees associated with it.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WI)

I have had Wells Fargo as a secondary bank account for years and have had to close my account for too many issues regarding fees and fraud. The final straw was a fake check that was allowed to be cashed and the horrible way in which it was handled in order to have the money replaced. It was a substantial amount and until the police became involved, I was getting resistance from Wells to put the money back even though they admitted that the check was fake, not written or approved by me, and that it may have been an inside job.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OR)

Several months ago an unknown person or persons used my XXXX card information to charge {$2100.00} ( probably gift cards ) at a distant outlet of a high end national retailer. My bank froze my account, reimbursed the fraudulent charges, and issued me a new XXXX account. It later occurred to me that I might have some exposure via my Shell Oil credit card. A purchase of gasoline using the card requires no password nor signature. I sent several emails to Shell asking about consequences of fraudulent use of my Shell card. Replies were boilerplate, did not address my question, and were totally unresponsive. Sloppy, too. They addressed XXXX email to " Dear XXXX '' ... ... ... the city where I live. So I sent an actual letter to Shell senior management asking the same question. This was a couple of months ago. No response. 
Can your agency tell me whether fraudulent use of an oil company credit card will produce reimbursement to the card holder? I believe this is a question of general interest ; I 've torn up my Shell card but may be interested in applying to another oil company. I like the convenience of tracking fuel purchases separately from my other credit card activity.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (CO)

I reached out to healthcare finance direct ( HFD ) by phone to ask them about their plan regarding a providers bankruptcy and they could give me no information and advised that if I didn't keep paying them they would send me to collections and taunted me saying that my credit would be harmed. I'm on the SmilePay Plan. The website states if you haven't received your full treatment then you do not need to continue with your monthly payments. HFD is the service provider for your SmilePay payment plan. I was in the middle of my treatment plan when XXXX filed for bankruptcy, I was never able to talk to a dental team about my progress, let alone the issues I had with my aligners, nor was l able to order retainers so my teeth have shifted back to their original state causing me pain in my jaw. I am aware that the creditor on the loan is soon expected to launch a customer support plan for. In the interim, ( per XXXX  ) HFD is obligated to place my disputed account on hold until the customer support plan is approved by the creditor and the attorney general-this has not been done.
Consumer complaint received 2016-06-10
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My mom owns timeshares XXXX at a place called XXXX. She had been paying a monthly maintenance fee and had been researching ways to get out of the contract or sell them. 
Then one day she receives a phone call from a company called XXXX XXXX XXXX and they offer her {$56000.00} to purchase the timeshare. All they asked she do was send {$5600.00} in fee 's to the closing company XXXX XXXX XXXX and they would send her the funds from the sale. They communicate through email and they fax her official looking paperwork and my mom wires the money to XXXX thinking they will send her the $ XXXX. This whole thing is a Scam. 
Now I am trying to get her the money back and have these criminals arrested. She took a cash advances on her credit cards and can not afford to lose this money. I am just so angry with the criminals for ripping off my Mom and want them brought to justice. 
The XXXX who sent the wire asked no questions and just sent the funds to XXXX. I work in banking and we are trained conduct conversations with clients prior to sending funds to spot red flags. Had this banker done his job he would have realized this was a scam. I am meeting with the branch manager tomorrow. I also contacted the wire room at the bank and their investigations department but I know the chances are slim of getting the funds back or having an arrest made. 
My mom is filing a police report and a report with the FBI. I also called XXXX Bank where the funds where sent and they said the XXXX Bank where the funds where received is in XXXX and is separate from the XXXX Bank. I have been unable to get in touch with XXXX Bank in XXXX but am still trying.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX just now has notified me of a drop in my credit score due to a hard inquiry by XXXX on XX/XX/2016. I have not requested a credit card, or an increase in credit on my existing card, and there are no late payments associated with this card. This hard inquiry needs to be taken off of my credit report and credit score needs to be restored.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

In XXXX, Equifax placed a supposed temporary fraud alert on my account, and claimed it was by my request. I called and spoke with customer service, and went through a lengthy and inconvenient verification process and the man on the phone told me hed try and have it removed. After the entire verification, he told me he couldnt remove it, but it would fall off. After a few days, not only did it NOT fall off, they actually updated it to a permanent one, AND I CANT GET IT OFF!!! I have been working on my credit, I pay for 3 different monitoring services, and a credit repair company, and I put in A LOT OF TIME AND MONEY and this is ruining everything!!! I should have received two limit increases that were not given and was denied a car loan preapproval, and this isnt right!!! It clearly says on my report that I requested this, and thats a lie!!! I cant get it off, and now they have locked me out of the online site, and I cant do anything! Please help me remove this!!! I have worked so hard on my report and I am having real consequences because of something that I didnt want, and was put in my report, without my consent! Thank you, XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On  XX/XX/2017    this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: James E. Albertelli, P.A., a Florida professional association (FL)

To Whom It Concerns, The law firm that is supposedly handling the short sale is refusing to respond to emails or messages. XXXX XXXX XXXX and XXXX XXXX XXXX are the XXXX lawyers asssigned to the case. Also I informed XXXX XXXX that her client was harassing me with eviction and changing the locks without notice on the property when it is not in their name. I would like to speak with her to settle the judgement in full. However, they refuse to respond. I do n't know why. It makes no sense. I would appreciate a response and / or a phone call. 
Thank you for your time, XXXX XXXX CASE NUMBER XXXX XXXX XXXX, XXXX XXXX is the the mortgage company.