davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (TX)

On XX/XX/XXXX I processed a transfer through WorldRemit to a family member, XXXX XXXX XXXX XXXX, in XXXX. The transfer was placed in suspense since the receiving bank, XXXX, required a specific setting ( XXXX XXXX ) to be set on the account. Shortly after I received an email notification from Worldremit that all the recipient details had been changed including the name, phone number, and bank account and that the transfer was paid. I immediately called Worldremit to report fraud since I did not make any call to change the recipient details. I was initially told I would hear back from a representative between 24 to 48 hours ; 4 days later and I still had not heard back from anyone. I attempted to call many times and each time I was told that the fraud department did not take calls. Finally on XX/XX/XXXX I received an email stating that Worldremit acknowledged that fraud had occurred but that my bank would need to issue a refund. I called my bank and was informed that this was not true and that it was 100 % the responsibility of Worldremit to issue the refund for the fraud that occurred on their platform. I responded to Worldremit with this information on the same day and asked that Worldremit issue the refund and provide details on how the fraud occurred. I have not heard back from Worldremit since this date. The details of the fraud that occurred are as follows : Transaction # XXXX, transferred to XXXX XXXX XXXX XXXX with bank XXXX account number XXXX in the amount of {$2500.00}. 
The fraudulent account had these details : recipient ( fraud ) : XXXX XXXX XXXX XXXX. Mobile contact XXXX : XXXX. Bank name : XXXX. Account XXXX : XXXX. Type : Savings and I would hear back from a representative between 24 to 48 hours. It has now been 16 days and I have not been called or given any. I have called on multiple occasions and each time I am advised that the fraud department can not be contacted directly. This is an urgent matter considering {$2500.00} were stolen in this fraud. I am requesting that WorldRemit take immediate action to investigate this fraud and reimburse my bank account for the total amount. WorldRemit is fully accountable for this fraud since it was through their platform that the criminal was able to redirect the transaction. WorldRemit did not have the sufficient security protocols in place to prevent the fraud and it is highly probable this was an internal fraud. Here are the details of the transaction :
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (SC)

On XX/XX/XXXX I received a collection notice from Affiliate asset solutions wanting a balance of XXXX. The date of service was XX/XX/XXXX. This was not my debt and I have no knowledge about account. At that time, I was XXXX in XXXX.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (PA)

I used a XXXX issued by Wells Fargo to pay a fence company for services rendered. The XXXX said that I would be charged 5 % of the amount for which the check was written. 
I wrote the check for {$3200.00} for which I would be charged a fee of {$160.00}. When I went on to look at my statement, it showed {$3500.00} owed. I called the fence company to see if I accidentally made the check out for the wrong amount to which I did not. 
I called Wells Fargo 3 x 's to try to remedy this and they told me that the fence company charged me an additional {$300.00} for paying by XXXX. I called the fence company back to ask them if that was the case, IT WAS NOT THE CASE. 
Wells Fargo has charged me an additional {$300.00} and will not correct this issue. 
I believe they are perpetrating fraud on my account to get more fees!!
Consumer complaint received 2016-04-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Someone was able to get my social security number, call my bank posing as me, have a new card sent to them in a state in which I do n't live, transfer money from 1 account to another over the phone, and then go on a shopping spree. CapitalOne bank never went through additional security challenges in spite of the fact that the address given to them was NOT in their file and by looking at my statement, transactions were made in another state ( my state ) the day before. I really think there should be some extra security before getting a new card and cancelling an existing one. Not just birthday and social security number ( both of which can be had ).
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC (TX)

My Quality XXXX  account was charged off as bad debt on XX/XX/2017, it was also suppose to be deleted for inaccuracies, its no where to be found in my collections, and every month since the charge off date the company has been increasing my balance, every time its a different amount
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (VA)

ESTABLISHED AND RECEIVED XXXX GOV'T TRAVEL CARD AT MY HOME ADDRESS WHICH I HAVE RESIDED FOR ( 2 ) YEARS OF XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

IN XX/XX/2020 CITIBANK INEXPLICABLY SENT ( 8 ) STATEMENTS DATED FROM XXXX THROUGH XXXX TO AN INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. AT NO TIME DID I CHANGE MY ADDRESS ON MY CITIBANK ACCOUNT PROFILE OR DO A CHANGE OF ADDRESS THROUGH USPS. I WAS FINALLY MADE AWARE OF STATEMENTS LATE XX/XX/2020. 

THE STATEMENTS DISPLAYED AN INCORRECT PAST DUE AMOUNT ON ACCOUNT, WHICH DUE TO THE STATEMENTS SENT TO AN INCORRECT ADDRESS, DIRECTLY NEGATIVELY IMPACTED MY ABILITY TO RESPOND TO ISSUE IN A TIMELY MANNER, RESULTING IN MY ACCOUNT BEING CLOSED. THIS HAS CAUSED UNDUE HARDSHIP AFFECTING MY ABILITY TO PERFORM MANDATORY DUTIES TO TRAVEL AND PARTICIPATE IN REQUIRED TRAINING. 

I RECEIVED A TRAVEL VOUCHER RECEIPT FROM THE XXXX XXXX XXXX  THAT PAYMENT WAS MADE TO TRAVEL CARD FOR CHARGE BALANCE REFLECTED. I HAVE CONTACTED DOD WHICH IS CURRENTLY ADDRESSING CORRECTIVE ACTION ON ISSUE. 

I HAVE ATTACHED THE FIRST AND LAST OF THE ( 8 )  STATEMENTS SENT TO INCORRECT ADDRESS FOR YOUR REFERENCE.
Consumer complaint received 2015-05-20
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Since the government has now changed the rules regarding transfers of IRA 's from one financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken XXXX months to get {$87000.00} from Wells Fargo to XXXX XXXX. It was only my irate phone call to XXXX this morning that the money was miraculously " found ''. When we were allowed to pick up the check from one institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet. 

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
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: Santander Consumer USA Holdings Inc. (CA)

I have tried to reach out to Santander Consumer many times regarding their willful negligence in violation with FDCPA AND FCRA and the loan they have failed to respond in compliance with the Fair Credit Reporting act and the FDCPA. 

The laws of the state of California and UCC 9.601- 9.607, 9.609 9.611-613,  9.615, 9.623, 9.627 ( b ) along with California Motor Vehicle Installment  Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. I must be permitted a certain time to cure and or redeem which is not available if the proper notices are not submitted. 

Satander Consumer USA never provided copies of the legal notices sent to me along with proof that the resale of the vehicle was completed in a commercially reasonable manner as required by law, in addition to a detailed and itemized calculation of the balance they claimed was due. 

Also, in accordance with the California Department of Revenue Repossession Title Requirements I NEVER received : 1. Copies of the written notice SANTANDER CONSUMER provided to all lienholders by first class mail of the intent to file for a repo title and 2. A copy of CALIFORNIA form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lien-holder. 
The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle and I did not receive this from Santander Consumer USA.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Inquired on XX/XX/2023, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/2023, Account name : XXXX XXXX XXXX Inquired on XX/XX/2023, Account name : XXXX Inquired on XX/XX/2023, Account name XXXX XXXX, XXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023, Account name XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, EXPERIAN, XXXX ) And all secondary Credit agencies.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

Caliber had me work with them doing a loan modification. I submitted my documentation multiple times over and over again and I documented every call and every submission I sent. They continued the foreclosure process ( dual tracking ) as they were working on my loan modification. I have a foreclosure date of XXXX XXXX and very little time to do anything other file for bankruptcy.
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC (FL)

Hi, monday XXXX XXXX I ask a relief foresbance for XXXX, XXXX and XXXX in My morgage : United Whole Morgage and I submitted it in the web I have the screenshot on XXXX XXXX, and I got a Negative report in my Credit Score with delay in the month XXXX, they had a mistake because I ask the plan foresbance with a lot time anticipation for XXXX, and They just are telling me they are doing the investigation and I dont get solve, I am in XXXX and my Negative point is reported yet like a delay in my payments and not like foresbance plan with them, they tranfered the credit for another company and now they are not being responsible with the mistake. 
I need help because that is affecting my credit unfair
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (MD)

I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within XXXX or XXXX minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've spent the last 2 months trying to fix the issues on my credit report due to identity theft issues. Transunion has failed to help in the matter. I have 99 credit inquires that is very disturbing when I contact transition they will not investigate it and say that inquires are factual data. They have given my credit report out without permissible purpose. I have even placed extended Identity fraud alert on my credit report to make sure that my credit is not viewed without my permission first. Transunion has constantly allowed my credit to be viewed. I even tried to dispute these credit inquiries online and they have blocked me from doing so. If you look at the attachments I have given you will see that it don't allow me to start a new investigation within transition dispute portal. Also I have included an attachment to show there is an fraud alert on my credit that Transunion is not adhering to. The only inquires I had authorized was the 4 last mortgage applications.
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

In 2004 i took a loan out to attend XXXX XXXX XXXX how ever they made the school sound like they really help you. Wrong they got my money then did nothing to help students find work even while in school. They knew even before I started that I was from a single parent family with my mom on XXXX XXXX. XXXX was one steak people involved in the student finances department. Fast forward to now over the past almost ten years ive taken a pay cut from {$40000.00} under {$20000.00} per year and just this past year i barely made XXXX. As years go by anytime I could Afford to pay I would. There was a period of 3 months of up to 8 calls a day from over 17+ phobe numbers. I explained my income to bills and that i could only afford XXXX  per month. I would get emails and letters about new income driven payment plan. Navient and XXXX XXXX customer service use bullying tactics interupt me and talk over me in very agressive tone. I suffer from XXXX and it has only got worse with there excessive and harassing phone calls. Im not lazy im from a low incone family and was only trying to better my life but have been taken advantage of by XXXX and navient. I got bullied into a income driven payment plan or tgey threatened to send my account off abd said they would file a judgement and wage garnishment. Ive told navient I work under 30 hours per week and also work for a XXXX Because the payment was XXXX per month i could not afford to keep up and still pay for the basic to live such as rent utilitys and grocerys. The pwrson who is deaking with my acount in the accounts recovery department was XXXX very degrading by talking over me when i was talking and kept saying this us 14 years old your not going to pay half your rent. I almost hung up as he was so agressive. I layed out what i could do and now he wants me to try 3 different lending companys that i know wont aprove me. Not to mention tey made two settlement offers first on was {$24000.00} and second obe was {$18000.00}. How when I make maybe XXXX  a month with no retirement savings nothing! Can I get {$18000.00} in 5 days. If you need copys of phone records i will have those in a week or so. They say they want to work wirh you but they just insult and bullie me. I have 3 weeks of school left to finidh my BA in nutrition science and have wome job leads but i cant force a company to hire me. Im not even sure legally they can collect on debt that old. In wa state debt collectors/navient can only call 2-3 per week or per ay not sure but 7-8 per day is harassment. Ive tried to work with them but its getting to he point where i cant handle the aggresiveness. Please help
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (DC)

While banking with Wells Fargo multiple fraudulent overdraft fees were placed on my account. I had previous called and checked the available balance in my account and most recent transactions to ensure that the money was available and all transactions were up to date. On XXXX/XXXX/2016 I had a available balance of XXXX, after spending {$5.00} to grab some food in my account multiple overdraft fees were posted for every transaction on my account. I have screenshots of the balance in my account before making my transactions. I immediately contacted Wells Fargo, no one would explain or provide assistance. Today I called Wells Fargo again to place a complaint, I spoke with ( XXXX ) who would like me speak with the manager but was adamant about making me pay the overdraft fees.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a complaint to XXXX TransUnion and XXXX on XX/XX/2023, and it has been well over 30 days. 

I still haven't received anything back from two of the credit bureaus, according to 15 USC 1681 ( A ) ( 1 ) ( A ) TransUnion, XXXX, XXXX have 30 days ( about 4 and a half weeks ) to respond, this is a violation of my rights. 

Complaint IDs listed below. 

XXXX - XXXX ( TransUnion ) XXXX - XXXX ( XXXX )