davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Betterment LLC (FL)

XX/XX/2022 I had two ( 2 ) accounts with Betterment and closed both accounts. In one case the funds were easily transferred to an existing linked account. In the other case the bank refused to transfer my funds to the existing linked account but rather forced me to provide a scanned colored photocopy of my government issued ID as well as a bank statement of a bank NOT linked to my account. I expressed concern submitting such a document and photograph especially regarding an account that was NOT associated or linked to this account. The bank refused to release my funds unless I did so. 

Being forced to produce a government issued ID and a bank statement of an external bank unrelated to Betterment seemed both unfair and high suspicious. Such documents raise concerns for Homeland Security as well. 

Since the bank was able to release funds quickly and easily when I closed one account it did not make sense, they refused to do so on the other account without me providing sensitive information. I now have concerns that my ID and bank statement may have compromised my security and I am suspicious why it was needed. 

I requested for Betterment Bank to release my funds as they did with my other account only a day or 2 earlier but they refused.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (FL)

On XX/XX/27 I received the payoff amount from a VW dealership and confirmed with both the dealership and VW credit that this is the payoff amount when I traded in my vehicle at any dealer. When I tried to trade in my car, VW then sent a payoff amount for fair market value which was $ XXXX over the payoff amount originally sent to me in writing. I could then only sell the vehicle to their dealer for even less than I was being offering in trade value. Then when I sold it the dealer took an additional {$500.00} off which they did not inform me about until I was signing paperwork. To me this is deceptive and when I spoke to them they stated it could take up to two months for them to send me the equity check. Now they will have the car in their possession for however long it takes for them to send me the check so they will essentially have use of a car that I am not being paid for.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I joined us bank because I am on the road with my work and needed to be able to deposit through the app or atm/ they would often freeze my ability to deposit causing my account to overdraw- then charging me fines and freezing my ability to deposit anything. 

I had multiple work checks I needed to make sure were deposited- they refused to give me access to look up and told me to put through the app. They granted two checks total lying XXXX then before the checks even hit the payee bank they backed out of my account them demanding the money when they already backed out. Now I dont have any access to accounts and they wont help me on the phone nor branches. I cant open another checking account and they have reported to my credit
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Attached are the following : TSI Debt collection notices, showing the original debt owed and the new debt TSI is attempting to collect. My XXXX mobile bill showing proof I called attempting to negotiate the original debt owed ; and proof of a Credit Card payment made towards the debt. 

The debt they are attempting to collect is in excessive fees of {$25000.00} that I did not agree to.
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I was takin off my own bank account that I had before we were married. She was added I think as a joint holder lady at bank said she was the co owner. How XXXX does this even make sense? And she pulled all money out and it 's in negative because of this.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I had a debt in the amount of {$2900.00} from an apartment that my now ex-husband and I lived in. I paid that debt that was on my credit report in XX/XX/XXXX and that debt amount came off my report because it was paid in full. well in XX/XX/XXXX this debt collector came back up on my report for the same amount. I did not know it was in there until XX/XX/XXXX, and by that time my credit score had dropped. I have called them and emailed them my paid-in-full letter and they keep saying they have not gotten it. or they will say that it is under a different account number for the same amount and the same apartments. I don't think I should have to pay again for something that I have already paid off can you please help?
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I put my mortgage in forbearance for 18 months. The forebearance period has no expired and now I have a larger mortgage to pay back. I was told forebeance is a pause on the mortgage. Why then am I now owing {$22000.00} more on my mortgage than before I entered forebearance?
Consumer complaint received 2022-08-25
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. (GA)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX 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
Consumer complaint received 2022-11-18
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: Grant & Weber (CA)

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. 

Grant & Weber : XXXX XXXX & XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 168c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/2021 I was contact via phone from a rep who claimed to be with Wells Fargo. The scammer had all my information from acct numbers to profile information. The scammer pretending to be a Well Fargo rep told me someone had tried to make XXXX XXXX  transactions from my acct and they told me they stopped the transfer which i later found out never happened. The scammer then told me to get my money back I had to make the same XXXX  transfers to a XXXX acct. I had no reason to believe it was not wells fargo and it seems more and more of Wells Fargo customers are being scammed the same way. Wells Fargo had no information on their site until a week ago telling its customer the scam has been going on but Wells Fargo has known this issue has been going on for over a year. They also knew that my acct information was hacked thru their servers and they will not refund XXXX dollars I was scammed. This plain wrong and Wells Fargo is trying to get out of this issue like they have with other scam issues in the past. They knew this was going on with plenty of customer and that someone was spoofing their number to talk to their customers but seem to take no responsibilty in there neglegance. I filed thru XXXX  and its seems they are finally tryin to alert their customer but the damage has been done. It seems the media is getting ahold of this from other customers who have been scammer. Wells Fargo needs to do the right thing and I will sue if refund is not given and there is many of us that have been hurt by Wells Fargo lack of security then step back and say it wasnt us but it truly is they need to alert customers when there information has been stolen from either employees or scammers. Below is a link of the same exact thing happening to another women and again Wells Fargo blames its customers when this clearly is wrong doing by Wells Fargo. I ask for a refund and apology letter from XXXX XXXX staff on how Wells Fargo should have done more instead of point the finger. I will keep posting on social media about how Wells Fargo does not honor there own responibilities. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

On XXXX XX/XX/2022 Wells Fargo bank closed both our XXXX XXXX accounts due to our XXXX XXXX XXXX XXXX. 

Wells Fargo sent a Cashier 's check to our nomiated U.S. address in XXXX XXXX, Florida. 

As our only U.S. bank account has been closed and we are XXXX XXXX residents a U.S. USD cashier 's check does not work for joint accounts so we require an International Money Transfer. 

The total sum due is XXXX USD. Of concern, and very confusing, we received a Wells Fargo Cashiers check for the sum of XXXX USD. Not confidence inspiring. 

The Cashier 's check was returned to Wells Fargo with a completed and XXXX Wells Fargo Account XXXX and Withdrawl Request form. This form included an XXXX XXXX from the XXXX XXXX authorities as requested. This package was sent via XXXX courier and received by Wells Fargo Bank, Exception Payments Account XXXX department in XXXX, MN on XXXX XXXX at XXXX. 

To date I have logged a minimum hold time of XXXX XXXX on a number of toll free contact numbers provided by Wells Fargo and not one answered. 

Subsequently I have sent a second letter asking for a status updated on the requested XXXX XXXX XXXX. This was received on XXXX XXXX at XXXX and to date there has been no response. Still no toll free number answers. 

I understand that there may be a back log as Wells Frago probably have closed alarge number of accounts but an acknowledgement takes little time.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AR)

I'm a military XXXX who has been assigned overseas with my dependent. I've arrived in XXXX XXXX and need funds for our livelihood. I've been trying to move funds out of my citi account for this exact purpose but they have been impossible to work with. ACH Transfer limit is set at XXXX per month and if I were to transfer a larger amount, the representatives keep stating the only option is Wire transfer with an unavoidable fee. When I try to make the wire transfer, the website states my access has been blocked and to call customer service. When I call the customer service, I spent an hour with the wire transfer technical support who could not help me. After I was referred to the fraud department, I waited another half hour to hear that there's nothing they can do and I need to talk to customer service again to discuss my options on other types of transfer. In all these activities, I kept being restricted and blocked and ended up spending more than XXXX XXXX. My wife 's account has the same issue and the bank has restricted her wire transfer to herself. I just want my money so that I can use it to get an apartment and a car in this new country and citi has been anything but helpful in this process. I really want to move my money asap and close my accounts in Citi.
Consumer complaint received 2019-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Account Services Group, LLC. (TX)

On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company.

The company name is National services group. Phone # XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The following addresses are on my Experian Credit Report which are not the correct addresses for me. These addresses are incorrect and improperly on my credit report : 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
Consumer complaint received 2020-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NC)

I began the process of requesting the return of mistaken XXXX contributions on XX/XX/XXXX. The reason for my request was that I was not aware that being enrolled in XXXX XXXX XXXX  for part of XXXX & XXXX made me ineligible to contribute to my XXXX. My original fax, as well as my follow up fax dated XX/XX/XXXX, included XXXX Distribution of Excess Contribution/ Correct Mistaken Contribution forms as provided by PNC Bank XXXX the Custodian, for years XXXX XXXX {$4500.00} XXXX & XXXX XXXX {$1800.00} ). The amounts requested, the reason ( as indicated by federal law ) and the appropriate disbursement information are clearly listed on each form. 

The chronology of my request is as follows : On XX/XX/XXXX, the date of my original faxed request, I was unaware that funds had to be moved from my investment XXXX account to my base XXXX account to have sufficient funds to transfer. No one advised me of such. 
On XX/XX/XXXX, the date of my resubmitted fax request, I was unaware that having previously opted into the automatic investment option, the funds manually transferred from my XXXX investment account to my base XXXX ( with the intent to resolve the previous issue ) would automatically be moved back into my XXXX investment account, recreating the original problem. No one advised me of such. 
After several phone calls and emails, I learned of the problem and made sure the funds were transferred & auto-reinvest was turned off. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided an expedite # XXXX. 
On XX/XX/XXXX, I was able to verify via the PNC website that the funds were successfully & permanently transferred to my base XXXX account in order to provide sufficient funds for the requested return. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided another expedite # XXXX. I requested to have a manager contact me and provided my cell phone as the associate stated he did not have access to my original application information. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate stated that no forms were on file to request this return of funds. I explained that I have two fax verifications of the submitted forms, one for XX/XX/XXXX & one for XX/XX/XXXX. I also offered to fax again or email. He declined. I requested to have a manager contact me and provided my cell phone. No manager has contacted me after two specific requests.
Consumer complaint received 2022-01-25
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. (GA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (TX)

My minor son XXXX XXXX made a purchase on XXXX on XX/XX/XXXX in the amount of {$190.00} for some shoes XXXX ( tracking XXXX ) states were delivered on XX/XX/XXXX but they never was. I was home all day waiting for the delivery. Once the tracking showed it was delivered we contacted XXXX which you can only chat with them, after chatting with a agent the agent stop responding and ended the chat on us. At that point we contacted Money Network to inform them about what happened and placed a dispute. Which they sent out a form for my XXXX to sign and I also sent Money Network a copy of the chat. Well today XX/XX/XXXX I received a letter from MoneyNetwork stating my son claim was denied because XXXX sent them verification of delivery which is only the tracking number that I stated above. So im reaching out to you to help me get this resolved since Money Network isnt helping us.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

IC System at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$2200.00}. This collection has been reported as past due balance. I have never done business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. XXXX is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.
Consumer complaint received 2016-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (TX)

XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report
Consumer complaint received 2022-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Automatic payment for month of XXXX was withdrawn from my checking account on XX/XX/XXXX. The amount wasn't sufficient to cover new payment amount and was notified of a missed payment. When I logged in, my only option was to pay the full mortgage payment and not the difference owed. I was notified again of missed payment on XX/XX/XXXX and when speaking with a customer service rep I was notified that I can only make a full payment and not the amount owed via their website.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

I was discriminated against and forced to close my credit card because I didn't want to give an email address.I never had a problem until I tried to check my online account and couldn't get to the page for account details. I called customer service on XX/XX/20 and was told I had to enter an email address or I couldn't check my account. The service rep told me to clear my browser and all kinds of stuff I never had to do before then told me that I couldn't check my information if I didn't give the email address. THIS IS DISCRIMINATION! I was never told I had to have an email address to open the account. I want to files any and all charges possible for this injustice. Do not want to give email address to you people either. I have a phone number you can call and leave a message.
Consumer complaint received 2022-01-25
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: WELLS FARGO & COMPANY (VA)

In XXXX Wells Fargo Bank reported a refinanced account as a charge off account in the amount of {$21000.00} with a monthly payment of {$900.00} to the credit bureau. This account was refinanced on XX/XX/XXXX for {$21000.00} with a monthly payment of {$490.00}. This same account was paid off on XX/XX/XXXX and they are refusing to correct this information on my credit report. The definition of refinancing is the replacement of an existing debt obligation with another debt obligation under different terms. Please help me to get this resolved. Thank you!