davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: PNC Bank N.A. (NC)

This would represent the 1st of a few complaints. In XX/XX/XXXX, I purchased a {$18000.00} certificate of deposit. As I can remember, I was told it was a tax write-off. I was also told it would automatically renew ever 5 years. What I was not told was, if the bank is sold, I will not be able to get my money back. From what I gathered, XXXX Bank sold out to XXXX and XXXX sold out to PNC Bank. I have other information that state that XXXX Bank sold out to XXXX Banks. in XXXX, i was losing about {$40000.00} per month in the violation of the RICO Act and in violation of 18 USC 1956 " money laundering or proceeds form specified unlawful activity with XXXX Bank facilitating those crimes. That is in another complaint against XXXX Bank. 
I do not think it is felonious activity should be excused when public officials/ court officers are involved. I have included the Certificate of deposit that I never collected from. I did hire a lawyer and was still unsuccessful in getting my money. My understanding from my lawyer is that PNC sent bulk money to the NC State treasury without identifying information with it. The State want a letter for PNC stating what batch of money my money was in, PNC refuse to provide any such statements. 
we as citizens work to have our money stolen, than we are expected to pay more money trying to get back money we have already worked for. That is starting to look a lot like slavery involuntary servitude and racketeering facilitated by the Banks, we work and they take the money. 

I am a farmer, a licensed general contractor and father, I do not know how to deal with banks who intentionally ignore the CFR regulating the banking industry. In all, we are out about {>= $1,000,000} from the time I purchased that certificate until XX/XX/XXXX. 

considering what all that has happened related to Banks, money laundering and the violation of the RICO Act, after the lost of this {$18000.00} plus interest, I feel this is a common practice in banking in the united Sates to perpetuate slavery. it is my firm belief that the State of NC facilitate the banks and lawyers in stealing millions from the XXXX community with impunity. I firmly believe these acts are intentional acts to harm the economy for XXXX citizens in NC as was done in the XXXX XXXX XXXX, they are still doing the same thing in XXXX
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (NE)

On XX/XX/2022 a major storm came through our area and did a lot of damage to our home and outbuilding and our rental home and outbuildings XXXX mile down the road from us. 
Bank of the West ( XXXX ) is the mortgage holder on both properties- we have 2 conventional loans- one on each property. The insurance company has assessed the damage on each home/property and wrote the checks to us and the mortgage holder ( BOW ). The damage on each property is around {$100000.00} per property. BOW is telling us that they follow " XXXX '' Loss Guidelines and will only release {$40000.00} on each loan to us to make these major repairs. Then they tell us that we are required to pay for all the repairs and that the repairs must be 100 % completed before they will inspect and release any additional funds to us. Not sure how we can be expected to pay for these repairs out of our pocket since they are holding our insurance money that is intended to pay for these repairs. We have reviewed our mortgage papers and there is no mention of " XXXX '' XXXX nor any schedule in regards to release of insurance loss funds. They also tell us that if repairs are not made by a certain date that they will apply insurance funds to loan. We just want our home repaired without any hassles from the Bank! We will provide documentation if needed, Thank you!
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (TX)

For years I, as a client of Citi, could log into my online account and check an incoming international wire transfer, where I could see the incoming amount in the foreign currency and the sender. Since XXXX, Citi has cancelled this functionality. I did not contact the bank in XXXX. This year, XXXX, the same happened. When I called the bank, an agent said : " Your account shows the incoming international transfer as X USD. On that date, the exchange rate from finance.google.com is Y. So, the incoming transfer in the foreign currency should be X times Y. '' I said : " No. I need to know the amount in the foreign currency as transferred so that I can judge if Citi used an improper exchange rate or misreported the incoming amount. Citi is obliged to report the incoming amount in the foreign currency. Citi can not conceal this amount. '' The agent answered : " This functionality is no longer available. '' I wrote to Citi 's CEO, XXXX XXXX, XXXX times. Citi 's XXXX XXXX XXXX answered via futile, useless letters that present the bank as arrogant, arbitrary, fearless, and lawless. This case is not about one client. This is about thousands of clients, justice, and the rule of law. Banks must be forced to abide by the law. If not, they must be fined painfully that the CEO learns the basics of ethics, integrity, and morality and the importance of conducting lawful business.
Consumer complaint received 2022-10-17
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. (AZ)

In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.
Consumer complaint received 2022-10-17
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. (TX)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Has Violated my rights.

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 a account with out my written instructions.
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Hello officer, my name is XXXX XXXX, my problem is on XX/XX/2021, I went to my local US bank branch to open a business checking account, and at that time they have an offer for {$300.00}, and I will attach the picture of the offer in the bottom, I open the account with the code : XXXX deposit XXXX and keep it until now open the US bank mobile bank the same day XX/XX/2021 after waiting for several days and I haven't received the bonus yet, I went to the branch and the same person who help me said that I still need to wait, and I wait for two more months and ask again, he said that he will help me to claim but still not any response, and couple days ago, I try to call them, and was told that because my money was XXXX transfer into my account, therefore, I am not eligible for that offer, first, in the offer page, they did not require the deposit way of money, second, I open the account in the branch if the XXXX is not eligible for this offer, I believe the banker is supposed to informing me, last, the first time I went to the branch to ask why I did not receive the bones after I open the account, and the same banker help me check it but did not say anything, I mean at that time if he told me that the XXXX is not eligble for the bonus, I will deposit cash instead, therefore, I believe they should give me that bonus.
Consumer complaint received 2022-03-06
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. (AR)

We have several cards with CITI. Recently, we have been getting notices that our payments are late, also they have reduced our limit on 1 card. I have all our bills on my XXXX  calender, which I use every month. I tried to reach out to CITI, but you can't reach anyone via phone call. Today, I tried to reach them via chat. They have an automated gate keeper system that won't let you pass unless you spend 15 minutes using it trying to get it to understand it can't help you! When I entered the " magic '' phrase, it then said it would connect me to an agent. After 2 minutes, it disconnected me. I need help to get this back on track since they have now caused our credit score to drop and won't have an ACTUAL human talk to us.
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights.

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 a account without my written instructions
Consumer complaint received 2022-03-06
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)

Hi, I am making a complaint against the three Consumer Credit Reporting Companies Equifax, XXXX, XXXX XXXX XXXX for credit reporting description and for reporting my credit report low because I am a XXXX XXXX American Female and a XXXX. I have all exceptional payment history and my credit score never increased. I paid my bills in a timely manner and was limit in the amount of credit I could borrow at under {$100000.00} when {$64000.00} of the credit is deferred student loans. I went through a job and needed to obtain a loan and my credit was continuously score low for ( 3 ) years and credit limit lack or ( XXXX ) so that when I got in a financial pinch I would be able to obtain any credit. I wont my credit score increased to its place. ( In the XXXX ) If I was a XXXX XXXX based on my exceptional payment history on multiple accounts my credit score would have been much higher at least in the XXXX. This is abuse of Credit Reporting for the Free Market and I want my credit score fixed by all three reporting agencies or I may sue them for abuse and XXXX XXXX against XXXX XXXX.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter to transunion saying that the company collection XXXX has not verified or validated my debt. So I sent a letter Transunion to remove coll recv sv tradelines. Transunion has declined to do so.
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I mailed a letter to Chase Bank on XXXX XXXX requesting a full audit trail, and material disclosures for the alleged account. As of XXXX XXXX no supporting documents have been received.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: MoneyLion Inc. (OH)

THE DATE IS XX/XX/2022. THE BANK IS MONEYLION LOST TRANSACTION XXXX XXXX I CALLED TO HAVE THEM RESEARCH IF FUNDS WERE RECEIVED FROM AN EXTERNAL TRANSFER AS OTHER BANKMSHOWS TRANSFER COMPLETED THEY REFUSED TO RESEARCH, AND ALSO ENDED THE PHONE CALL. I FEEL AS IF THE MONEY HAS BEEN COMPRISED AND STOLEN FROM MY ACCOUNT BY THEIR BANK. THE REPRESENTATIVES WERE RUDE AND REFUSED TO TRANSFER TO THE MANAGEMENT WHO WERE ADVISED DID NOT HAVE THE ABILITY TO DO SO. They SAID THEY WOULD SEND EMAILS BUT NEVER RECEIVED THEM.
Consumer complaint received 2021-04-16
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: Westlake Services, LLC (TX)

For the past two years I have been attempting to remove west lake financial services from my credit report. First date of dispute, XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX, following XX/XX/XXXX. XXXX XXXX XXXX do not report it on my credit but somehow XXXX does. When Ive disputed the account being reported on my XXXX  credit I have informed the agents assisting that it doesnt belong to me. Recently on an urgent attempt I have submitted documentation to support my argument because Im in the process of getting a mortgage. It shouldnt take more than two years to get something removed that doesnt belong to your credit. Current account balance {$16000.00}.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

file a fraud complaint with paypal on XX/XX/22. FRAUDULENT CHARGES ON MY PAYPAL ACCOUNT., FROM A COMPANY CALLED XXXX  I never ordered anything from XXXX i never received any service or merchandise from XXXX Paypal ignored my complaint and just closed my case, with out any investigation, Paypal closed the case 2 hrs after I filed the complaint, It is obvious that on they just automatically are closing cases with out investigating anything I want a refund of all the fraudulent charges the PayPal facilitated in the amount of {$130.00}.
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (MO)

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

Accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No account number listed 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 1681c. ( 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 2022-10-17
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: EQUIFAX, INC. (NJ)

I sent letters to Equifax over a month ago about them reporting late payments on a charge off account and how it is illegal and for them to remove the accounts and how they are invading my privacy reporting such accounts that makes it detrimental for me to receive credit cards, purchase a home etc. I have asked them to remove the late payments/accounts XXXX and XXXX XXXX this should not be reported on my files as they are charged off making them income.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Sent XXXX on XX/XX/XXXX and the website informed me the money would be available to the recipient on XX/XX/XXXX. I filed a complaint with paypal and the website informed me that my complaint would be responded to by XX/XX/XXXX. See attached screenshots.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I filed a claim with Wells Fargo concerning an unauthorized check deposited to my account from a location where I was nowhere near. Money was withdrawn from that account in the amounts of {$2000.00} and {$500.00} on XXXX. I called Wells Fargo to report this and I received a resolution on a claim about the deposited check but not about the 2 transactions mentioned above. They have now closed the account and I have tried to find out more information from customer service but they refuse to help me without a reference number that I did not receive in the mail.
Consumer complaint received 2022-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (GA)

I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C. mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C., allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) MRS BPO, L.L.C. can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, MRS BPO, L.L.C. has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Consumer complaint received 2022-03-06
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)

XXXX and EQUIFAX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MI)

We have received a gift card for {$150.00} for birthday from friends and when we tried to use it, it has XXXX  balance, The card is issued by Vanilla, in a sealed packet, and we have activated prior to going to the store, but it already was activated by some one and all balance is used up. 

Following are the details : Vanilla VISA Gift Card Cust service no : XXXX XXXX XXXX Purchased at XXXX  Store Card number : XXXX Expiry date : XX/XX/29 Cvv XXXX Name, address, ph no Case # opened by calling customer service number : XXXX Rep name XXXX XXXX Email info : XXXX XXXX
Consumer complaint received 2022-03-06
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: Credit Karma (CA)

I was invited to apply thru credit karma for a XXXX card offered thru XXXX XXXX with a credit karma guarantee & with outstanding approval odds, I have good credit with XXXX balances on all my credit card accounts with an excellent on time payments never late! My income is significant with a great income to debt ratio less than 10 % yet I was denied credit? For to many obligations to income??? I have had issues with XXXX XXXX in the past I believe they have me black listed for whatever reason? I also was given the credit karma guarantee which if I was denied I would be paid {$50.00} credit karma sent me an invite to open a credit karma spend account & the {$50.00} would be credited to my new account so when I responded to open the account I was told my identity could not be verified?? No sense because all my credit accounts & bank accounts are linked to credit karma! As well as my XXXX account which I have my car loan.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CO)

XXXX  2021 my federal income tax return was placed in two Netspend account three checks in total in the amount of {$18000.00} of the checks were sent back to IRS the XXXX They have yet to return I have contacted him numerous times since XX/XX/2021 and to get no answers