davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (NV)

I am in the process of buying my first home. I called multiple times to request and see if a wire transfer can be done to the title company. I was told yes they could do it. Then I was told no they do not do that. After being told Credit Karma can only do ACH transfers up to {$10000.00} per day, I decided to close my account and have my money wired to my only active linked bank account with XXXX XXXX ending in XXXX. After multiple calls and email correspondence confirming they can in fact send all my funds in one transfer to my bank account ending in XXXX, they instead sent it to a close XXXX XXXX XXXX XXXX account that is not linked due to closure. The funds were then sent back to Credit Karma from XXXX XXXX XXXX  and received. I called and asked again where is my money? They told me previously when the funds came back they would wire it to the correct bank account. When I called today they could not find information on this matter and had to look into this. After the representative found my information, they informed me they have lost my money and do not know where the funds are and will be escalating the situation to a different department who would be in contact with me. In total they have lost and withheld {$23000.00} from me and caused me to possibly lose my new build home. If I want to keep my new build home, I must pay {$200.00} a day and an additional 1 % of my home loan. I need my money wired to the title company by XX/XX/XXXX in order to keep my home and not lose it. They have absolutely provided no help and continuously tell me they have no way to credit and transfer the money they lost. When I asked can they please reopen my account and do 3 ACH transfers instead, they denied that option as they do not allow accounts to be reopened. They said they would send a check, but that has yet to happen as they say they dont know where my funds are at this time. There has been multiple recorded calls and emails showing these accusations are correct and true. I have filled out a form called Written Statement of Unauthorized Debit per request of a customer service representatives manager. He told me I can not get a credit or any of my money back without filling out this form and sending it in. I have not been contacted by anyone yet. 
When brought up that FDIC mandates that issues like these are protected and since you will be receiving the funds, why can I not have my money sent now via check to current mailing address or direct deposit to the active linked bank account, I was told, I understand there may federal laws in your country, but we are not actually a bank, so we dont have to follow that. 
From my understanding Credit Karma operates on XXXX Banking institutions licensing and must adhere to all laws and regulation associated with this bank in order to operate.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CO)

I used my American Express XXXX  card to book a hotel. The reason why I used this specific card is because I wanted to make use of their {$200.00} hotel credit. After booking through American Expresss travel website, using my XXXX  card throughout the entire process, I was informed that somehow I marked that I would rather pay for the hotel later than upfront ( which is something I have never done before in my life ). Because of this marking that I paid later instead of when I made the booking, I was ineligible for the credit. I tried to resolve this with Amex but they transferred be 8 times and I have been on hold for 1.5 hours. The entire call length is currently 2 hours and 15 mins.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Several times now, I have reported to Bank of America fraudulent activity resulting in {$8000.00} worth of unauthorized withdrawals from my account. I have been given the runaround for months now, with BofA representatives refusing to give me straight answers at first, and ultimately denying my requests for reimbursement of the funds. 

On XX/XX/2019, I saw that on XX/XX/2019, {$6000.00} had been withdrawn from one of my checking accounts and {$2000.00} had been withdrawn from another checking account. 

On that same day, I went into the XXXX XXXX, California BofA branch, where I have been banking for years, and spoke with XXXX, the branch manager. XXXX informed me that the only way I could recover my money was if I obtained a subpoena from a court, requiring them to look through their recorded video to confirm that it wasnt me that had actually withdrawn the money. I objected to having to go to court to challenge the fraudulent withdrawal, but XXXX insisted that this was my only recourse. 

I then contacted XXXX, explaining that I was the familys attorney, and was told the same thing. I told her that BofA has established processes in place to investigate fraudulent transactions, and I was sure they didnt include requiring customers to hire legal counsel to obtain a subpoena to investigate a matter. XXXX seemed extremely flustered and asked if she could research the matter and then call me back. I told her I was appalled at her inability to handle the situation, and said I would await her callback. 

In the meantime, my sister, who had previously served as an insurance fraud investigator, contacted BofA 's fraud department to report the activity. On XX/XX/2019, a representative named " XXXX '' worked with me to file claims, and he told me he would send me a form to fill out. I never received these promised forms. 

On XX/XX/2019 and on XX/XX/2019, I received denials of my claim, stating that my debit card and PIN number had been entered for the withdrawal. 

On XX/XX/2019, I requested that they reopen the claim, explaining that it is a well-known scam for perpetrators to skim card and PIN information from bank machines. I was told that they would review the claim again, this time pulling video, and asked that I give them up until XX/XX/XXXX to respond. I never received a response. 

On XX/XX/2019, I called again and spoke with XXXX, who told me to send in yet another claim form, as they didnt have any of my previous claim forms.
Consumer complaint received 2019-04-17
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. (CA)

Credit Bureaus are making Temporary Lifts of Credit Freeze difficult. Disabled online process ever since the Law forced them to make available to consumers.

Experian now asking all requests by mail only by providing all information required for someone to steal my identity. such as Name, Address, Social Security Number, Bank Statement, Utility Bills and other physical copies to be mail. They also do not respond to any inquires therefore we do not know when they receive the document or when the request can be processed.

This makes consumer credits hostages unless we pay for their Credit Lock service for a fee.
Consumer complaint received 2022-04-02
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. (MD)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (ND)

In the process of applying for a loan for a hosue our mortgage company pointed out that there is a credit we have in claims with ACIMA credit in the amount of XXXX. We told them to dispute due to knowing this was not me that took this loan or lease. I have since contacted the local police and filed a police reprot as well as have been working with ACIMA credit to try and clear up. According to ACIMA the loan or lease was taken out with them XX/XX/XXXX for {$3900.00}. We have also disputed with my wells fargo account four payments that they have tried to pull from my account ( XXXX, and XX/XX/XXXX ). The current debt owed on the account is XXXX when talking to ACIMA. The account number with ACIMA credit is XXXX. ACIMA will not release any information about the loan other than amounts and dates as of right now. I did not aply for any loans with this comapany and in fact never heard of this company until we started seeing payments being pulled from my bank account as well as when I saw on my credit report.
Consumer complaint received 2021-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (WV)

I have a renter that electronically transfers rent too my account. A mistake was made by her or her financial institute instead of transferring the money in it was withdraw from my account. There was never any permission given for this type of transfer from my account too this person account. My bank excepted this transfer even though this type of transfer was never granted. My renter notified me of some kind of problem ( thank goodness for an honest renter ) I immediately contacted my bank. This withdraw caused my account to go negative by hundreds of dollars prompting a {$37.00} Overdraft charge. 
I would think there would be safeguards set up too keep this stuff from not happen. I would believe this should have never been posted into my account being no authorization was given to transfer funds from my account. I have transfers set up too some of my other banks I have accounts with. I had too go through a rigorous process too do this. 
The compliant I have why can just anyone withdraw from my account. In today age there should be safeguards in place for this not too happen. As a financial institution I would be embarrassed that this even happen but they are not excepting any blame.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX to see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows XXXX  reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. Transunion does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither Transunion nor XXXX even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from Transunion and XXXX. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with XXXX even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC (WA)

I applied for a loan with said payday loan company. It was my clear understanding that the application was to be processed and if approved, I would have to sign to the agreement after all information on the application was verified and then the loan would be sent to my bank account. After receiving notice that I was approved, I was concerned about the amount I needed to pay back due to the high percentage rate - {$300.00} loan with repaying the loan in full turns out to be over {$1000.00} total. I decided that I would pay the loan back in 3 payments so that I wouldn't have to take on the high-interest rate. This decision was made after repeated phone calls and emails from Arrowhead Advance and an early morning phone call at XXXX! I called the company at approximately XXXX XXXX and spoke with a representative in the loan dept who explained to me the interest rate and then he verified my application in advance so that when I went online to sign the agreement, I would just call back and to let the loan dept know that the agreement was signed and I would receive my funds. In addition to the information on the application, the rep. also took my credit card info that was linked to my bank account. I received a confirmation ID # XXXX and the amount that I was to receive and when the first payment would be due. Then I received an email that the loan was denied! To my unpleasant surprise when I called back as instructed, I was denied which raised a red flag. I was told that the underwriting dept made the decision. and from my experience underwriting makes the decision once the application is submitted and a decision is made as to an approval or denial of the loan and not the other way around. They convinced me that the loan was approved and signing the agreement with all infomation being verified, I would receive my funds.
Consumer complaint received 2021-02-09
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. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  and XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-07-26
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. (MA)

On XX/XX/XXXX Equifax gave negative credit report about me to XXXX XXXX XXXX, XXXX. at XXXX. 
Equifax still have on my credit report that they didn't erase or taking off ; serious delinquency, numbers of account with delinquency, proportion of balance to credit limits is too high on bank revolving or other revolving accounts, length of time revolving accounts have been established. 

But yet I have a credit score above 715..due to no late payments etc for over 15 years..
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CT)

Simple Bank failed to issue {$250.00} account opening bonus for depositing {$10000.00} upon enrollment. Simple also failed to investigate and credit account for unauthorized charges from XXXX for {$190.00}. Simple Bank required significant contact with merchant only to deny claim not once but twice. I did not sign receipt agreeing to pay and merchant simply wrote N/A where signature required. Contacted merchant several times and merchant refused to answer phone. See attached call log. Further, Simple Bank may be affiliated with the XXXX XXXX  ( XXXX XXXX  ) XXXX in Utah, Arizona, and Oregon.
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (OK)

On XX/XX/XXXX I received a voice mail from CMRE regarding a collection. The phone they called from was a fake number from XXXX, OK XXXX. Upon calling the number it just went to voicemail. I went to their website and found an email and sent an email which bounced back and said wasn't a valid email. I then proceeded to call their XXXX number 4 times and could not get through.I finally found another number I got through on that is XXXX. 

On XXXX I received an alert that a collection had been placed on my credit for {$3800.00} from CMRE. I immediately called and talked to a XXXX on the phone. She kept wanting me to confirm on the phone that I had received the bill 4 times. I haven't. I hadn't even heard of CMRE until the the XXXX of last month. I told XXXX that I wanted a full detailed description of the collection which she seems reluctant to send me and hung up on me on the phone. 

I had a XXXX XXXX in XXXX of XXXX at XXXX XXXX in XXXX Oklahoma. My insurance company had approved the XXXX. My part was supposed to be {$2400.00} until XXXX tried to charge me the entire amount of {$60000.00}. I immediately contacted the insurance company I had at the time and they were trying to get out of the agreement. A {$60000.00} collection hit my credit and not until I promised legal action and contacted to XXXX  XXXX XXXX was the issue finally handled. The original collection come off my credit and the balance of the {$2400.00} was forgiven due to the fact that the insurance company gave the hospital the run around. 

I can't remember who the original collection agency was as it is not on my credit anymore. CMRE has not sent me any correspondence regarding this collection which is now on my credit. I have zero problem with paying a bill. I'm paying for my past mistakes. I do believe this is a fraudulent collection that I have never been contacted over and has now hit my credit. I have disputed the collection with the credit bureaus but do not want to go down this road for the next year fighting a collection that I have never known about. I want CMRE to do the right thing and contact me and send me the itemized list of the collection and to immediately remove the collection from my credit report. They say they just obtained the collection in XXXX of XXXX. I do not feel this collection is valid and unless someone steps in I will continue to have this collection on my credit. If I owe it great, If I don't owe it that needs to be addressed too. However, me just finding out because a collection hits my credit is not acceptable either. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX CMRE Financial Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My wife incorrectly sent Bank Of America a XXXX payment thru XXXX XXXX  electronic payment system. However, the Bank of America account had been closed for several years. When the mistake was realized we spent several hrs back and forth with both banks. Finally ending up having XXXX XXXX  send Bank Of America fax information detailing proof of transaction. Now several a few weeks later XXXX XXXX  is reporting that BOA will not cooperate due to privacy issues. This payment should have been returned in 3-5 business days since the account was defunct. Contacting BOA for assistance has been a nightmare. I received fax number for the XXXX XXXX  transfer request from a supervisor at BOA. Its only XXXX dollars but I have spent several hrs on this supposedly simple issue already.
Consumer complaint received 2020-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

After numerous attempts to get this fraudulent account removed from my credit report Capital One has yet to remove, I have never had an account with Capital One this is a fraudulent account, I want to dispute this account under the fair credit reporting act.