davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2020 I was assisted by XXXX XXXX at Chase Bank in XXXX XXXX FL with a wire transfer of {$20000.00} from my saving account to my mother 's bank account in USD currency at XXXX XXXX in XXXX. I said twice to Miss XXXX that the funds are have to remain in USD currency and that the recipient account is in USD currency. Transaction number ( contact id ) : XXXX, Confirmation Code? chase wire tracking number : XXXX. On XXXX XXXX {$19000.00} were available to my mother. I arrived in XXXX, XXXX on XX/XX/XXXX and went to XXXX XXXX and was told that the funds were sent from chase bank to arrive in XXXX  ( XXXX XXXX XXXX ). And because of that the funds when to Invest bank, before they reached they destination at XXXX XXXX. So invest bank converted the funds back into USD because the recipient account is in USD. So, mu funds were converted 2 times and I never asked for that to happen. Because of the current conversion rate of that specific date {$730.00} are missing. I expect Chase bank to provide those {$730.00} to my savings account in order to fix the mistake that XXXX XXXX have done which have caused me a tremendous frustration over the past few weeks. 
My email is : XXXX My Bulgarian phone number is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

My checking and savings account with Wells Fargo. I had direct deposits into my checking at first but Wells Fargo allowed XXXX XXXX to take more money then what I owed without me making the payment from my account. XXXX XXXX went to Wells Fargo and was able to take out more than what I owed. I put in a dispute but without any verification they said I owed XXXX XXXX which made my accounts go into overdraft. So I moved my direct deposit to my savings account and they closed my checking account even though I still used it without any notification and turned off my card that was affiliated with both checking and savings. I now have to go inside. They would also take out fees ie,. If I had a bill pay for {$200.00} and I had in there {$190.00} instead of them paying it then charge me the {$1.00} plus the fee, they would take the fee and then return it for insufficient funds and charge me again for another fee. I think they have done something with my mortgage modification as I am not able to do anything refinance or get a HELOC. I have tried to get my mortgage away from Wells Fargo however no matter what I do they buy back my loan! XXXX
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of tems which do not belong to me or were opened without my permission ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a loan from the SBA on XX/XX/2021 for XXXX with an interest rate of 3.75 %. I was approved after meeting all requirements and sending all information requested. I used my capital one account ( even though I have others ) to fund the loan. Capital One immediately froze my account and told me they are closing all my checking and savings accounts and no longer doing business with me. But they have the audacity to keep open my 4 credit cards! That I will most definitely close once this is resolved. To be honest it made me feel like I did something wrong and I didnt like the feeling. After many calls to capital one they have basically told me to stop calling that it would not speed up the investigation. No details of why this is happening and no timeline, like this is the first time this has occurred.

Now going into the 3rd week no response from capital one and the loan incurring interest in said frozen account. Ive contacted SBA but they cant do anything until the funds are sent back. 
Its asking for documents but since I dont know capital ones issue with the funds I dont know what to upload
Consumer complaint received 2016-11-21
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Remitly, Inc. (OR)

On XX/XX/2016 I registered and initiated a money transfer operation with a company called Remitly, Inc. During the process I told them I was stationed overseas. To confirm my identity they told me in a telephone conversation with their risk management staff member that I must provide them a copy of my military ID. I am currently XXXX. 

I informed Remitly that copy of a military ID is a criminal offense under Title 18, U.S. Code, Part I, Chapter 33, Section 701 and are punishable by fine and/or imprisonment. Remitly 's response is that Know Your Customer trumps federal criminal statutes. They refuse to process my transaction unless I provide them a copy of my military ID. 

Remitly is requiring the commission of a felony in their business practices. They need to be shut down.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.Q. DATA INTERNATIONAL, INC. (NJ)

Both my parents and my uncle received phone calls from the same debt collection agency stating I owed them money. I do n't know how they even got my family 's contact information. I have never used them as references for anything nor would I give any debt collection agency to speak with my family about a debt. This company harassed an uncle I do n't even speak to and threatened to have me arrested if he did n't pay. This same company continuously called my parent 's stating that they would be sending legal paperwork to them.
Consumer complaint received 2017-03-25
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (FL)

( NCB MANAGEMENT SERVICES, INC ), continued attempts to collect debt I do not owe. 
I have disputed ( NCB MANAGEMENT SERVICES, INC ) account number XXXX because the debt is not mine with the Big XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report and ( NCB MANAGEMENT SERVICES, INC ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

I filed a complaint against Synchrony bank for not refunding an over balance on my credit card. They finally sent the check but it was n't until after I filed a complaint and got them to agree to send it. Because I filed a complaint they turned around and put a stop payment on the check costing me a {$20.00} bank fee for them sending me a check and then stoping payment on it. They now claim that I have to rerequest another check but they will just put a stop payment on it again, thus harrassing me and punishing me for making a complaint against their institution.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

On XX/XX/XXXX the SSXXXXI made a deposit to my account for {$680.00} chime posted {$260.00} dollars in my account the card would not let me withdrawal from ATM or make store purchases it would only let me send money when I contacted chime customer service a named XXXX told me don't call the customer service number again if I do they would cancel my account the money was from my XXXX benefits I want to know what is going on
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (TX)

There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results from them.
Consumer complaint received 2015-08-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Hello, I have a revolving line of credit ( {$15000.00} ) offered to me after buying an automobile ( in XX/XX/XXXX ) through XXXX where my monthly payment was based on {$100.00} a month for every {$5000.00} borrowed. The car is 'paid-in-full ' however, I 've yet to make a dent in the additional loan, but I 'm paying on time. 

My loan was sold to Springleaf Financial ( SLF ) from XXXX around XX/XX/XXXX/XX/XX/XXXX. Since that time I 've had XXXX serious issues come to light in the management of this loan. 

My situation at present is as follows:1. I was assessed 'late payment ' fees immediately after coming under ( SLF ) yet I left XXXX with my account current and up to date. 

2. My monthly payment was increased from {$310.00} p/month to {$340.00} p/month ( XX/XX/XXXX ) without signing any amendment to my original contract under the pretense that I would have more borrowing power in the future if I needed it. I felt fine were I was but felt if I could not pay my loan off in full, I would have to agree and pay ( nothing was signed or said ). My inner thought on this was what if I did n't have the extra money to do this? Where would I been then? There are horror stories on the web on how this institution has messed up family lives and finances! 

3. This last one is the kicker : I 've been charged this month ( XX/XX/XXXX ) with an 'Annual Fee ' of {$50.00} for what reason I do not know! I thought this was a fee credit card companies imposed on the use of their card ( s ). Bottom-line though, I was not informed of this at all nor was I ever paying it when I was with XXXX! It just showed up on my statement. What 's also strange is that it was assessed this month yet in the block 'Fees charged in XX/XX/XXXX ' - the column has XXXX in it!!!! As far as I know, I did n't pay this last year. ( See attached billing statement ). 

My initial thought was to immediately confront then on their latest 'money grab, ' but I thought better of it once I discovered there was a federal entity that deals with such matters. Should I report my latest 'eye-opener ' to them and then mentioned my XXXX previous incidents, or do I wait until you 've had a chance to review my concerns and provide some guidance maybe? I 'm in no hurry, but I would like to know what 's going on with this company. I 'm sure there may be other customers asking themselves the same question! 

My last XXXX concerns, ( 1 ) if I make an attempt to understand what 's going on would it in effect put a target on my back by complaining about these seemingly small breaches of protocol on contract management? ( 2 ) Due to inaction on my part, have I lost the opportunity to effectively complain at this point?
Consumer complaint received 2023-05-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (SC)

XXXX XXXX Address XXXX XXXX XXXX XXXX sc XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer Us Auto Sales went bankrupt and my information was sold to a third party company which I didnt not signed a contract with westlake portfolio has stolen my identity
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: F.H. Cann & Associates, Inc. (FL)

I received three phone calls today from a debt collection agency, but I do not nor have I ever owed them any money. Since I got my new cell phone ( XXXX XXXX ), I have received many phone calls from debt collectors and scams. I tried changing the number once already but the debt collectors and scams keeps calling. I have never had such a bad experience with a cell phone.
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I received a collection notice from XXXX XXXX XXXX dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with Citibank. The debt was from XX/XX/XXXX and the balance owed to Citibank at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX XXXX letters were dated XX/XX/XXXX and both referenced the same collection with XXXX XXXX and Citibank. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the Citibank account. The second letter was a copy of the account summary they provided. 
According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. 
To the best of my knowledge I have never had a credit card with Citibank. So naturally I am very concerned that someone opened an account under my name. 
But why is this the first time I'm hearing about it? No one has ever contacted me before. 
And why are they trying to collect on a debt that was charged off 18 years ago? 
Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have been a victim of identity theft and it seems that this is never ending miserable issue for me. The credit cards with Department Stores National Bank/Macys with account ending XXXX was opened fraudulently not by me. I disputed this account with the original creditor and they had told me that this account was already closed due to fraud and the accounts was deleted from my credit file. I submitted a federal trade commission identity theft report that they had sent me years ago for this fraudulent account as well. Now, this account is in collections and I don't know how it was transferred to a collection with wrong information when it was closed due to fraud. I have even forgotten how many years back this account was opened and closed due to fraud and removed off my consumer credit report. This is not only frustrating but it is also causing a negative impact to my name for an account I never had opened to start with.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I do not remember the actual dates, as I closed the account a good while ago, but I was a Wells Fargo customer for many years and I had overdraft protection and was still hit with {$35.00} overdraft fees all the time.
Consumer complaint received 2020-10-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i have contacted XXXX XXXX XXXX as well as XXXX  and equifax various times in the past 8 months to investigate, verify, and validate this debt ... and they have never sent me a response or even marked this as in dispute they are in clear violation ... covid or not its been multiple attempts and they have not conducted and investigation that they are supposed to do by law ... ..there is so much incorrect reporting on this account that i do not know where to start..first off they are reporting this as an open charged off account it can not be both that is a violation ... 2nd they are reporting a charge off with a balance of {$2700.00} it can not be both ... they are reporting a charge off with a past due ... it cant be both the comments are different in both, the 2 year reporting history is different in both, date of last payment and last active is different in both which makes me think that thhey are changing these dates ... .the 2 year reporting history is different on both and to top it off i never had a cell phone with XXXX XXXX XXXX in my life i have no idea why this is on my report ... my next step is contacting an attorney to fix this and sue them for messing my credit up
Consumer complaint received 2016-04-13
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Onity Group Inc. (WA)

Cancellation of Debt Form XXXX for {$30000.00} was sent to IRS for XXXX. The property involved was discharged in XXXX. I have enclosed copies of my Chapter XXXX Bankruptcy.