davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP (NM)

On XX/XX/XXXX I opened a youth savings account for my grandson at Bank of Albuquerque in XXXX New Mexico so that social security can deposit his backpack. I also opened a checking account. In the checking account I deposited {$1500.00} to start the account and {$50.00}. to start the savings account. I have never had a problem with either of these accounts. I went into the bank and opened up these accounts with a personal banker. My grandson got his first deposit of three on XX/XX/XXXX and both accounts are and were in excellent standing. I have problems with the FBI IN XXXX NEW MEXICO. I am currently suing XXXX  XXXX XXXX for allowing the FBI to illegally search my safety deposit box without a warrant. I expressed this concern to Bank of ALBUQUERQUE. There was weird stuff going on with my account so I called the bank several times and asked them questions about my account. For instance I would have charges clear and then they would be tied up again as if to tie up my available money. The bank said noone has asked them for information and they didn't know anything about the FBI. I have 8 calls recorded that I made to bank of ALBUQUERQUE about this problem. I asked bank of ALBUQUERQUE if they were able to give me a time stamp of all the times a bank official had accessed my account? They said yes and told me to call the legal number. I did and left a message. I didn't hear anymore about it until today XX/XX/XXXX when I received a letter from Bank of Albuquerque it was a Notice of Termination account relationship they stated they're closing my account as of XX/XX/XXXX without a reason as to why. They stated all my money would have to be out of the account by then or they will forward it to me in a check they asked me to stop using my bank card. Told me I was welcome to go to a branch to close it out. I have a problem with this because my grandsons social security goes in the account and I have done nothing but tell the bank I don't want the FBI XXXX illegally accessing my accounts with out proper warrants and documentation. The letter they sent to me makes it look like I have done something illegal and I haven't it also makes other Banks not want to have a banking relationship with me. I believe it's retaliation because they have already let the FBI have access to my accounts without a warrant and to avoid liability and responsibility for it they are making it look like I did something wrong which isn't the case.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

On XX/XX/XXXX I contacted u.s. bank reliacard regarding fraudulent transactions on my account. I was advised that I would receive the dispute forms within 5-10 business days. When I seen I hadn't received them by the 8th day I contacted them for a fax number to send a written form. The fax number I was given was XXXX, I sent in my written statement on XX/XX/XXXX. I then noticed my account hadn't been credited the amount of {$480.00} in which had been compromised to my account. On XX/XX/XXXX I received a denial letter dated XX/XX/2021 stating my claim had been denied. Based on the terms and conditions on the cardholder agreement once the form had been received by the bank ( written or sent by the bank ) within 10 business days of opening the dispute I would be credited the amount of loss. The dispute resolution team denied my claim on the sixth business day, not allowing the full 10 business days to adequately investigate or compensate my account. It also states investigations could take 180 days to be complete. I feel as though this company denied my claim prematurely in order to not have to compensate me. I have spoken to many agents and supervisors stating they would figure out what's going on and that they believe this case was not investigated. I am requesting that they provide my provisional credit of XXXX dollars and that they do a complete investigation. As required by the cardholder agreement.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

All accounts must be verifiable that are on your credit report. I have reached out to LexisNexis on multiple occasions to get information on a Bankruptcy that XXXX, XXXX  and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from LexisNexis stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, XXXX  and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from LexisNexis and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to LexisNexis where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX  results were incomplete and missing on XX/XX/XXXX XXXX  results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX  results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If LexisNexis Certified this information is correct then where is the copy to be sent to me?
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (KY)

I am receiving around 10+ calls per day from Discover Financial in an attempt to collect a debt. The calls are robo calls and when I check my voicemails the recording states, " Please hold on the line while we connect you to a representative. I have communicated with Discover several times trying to work out payment plans but keep getting all of these robo calls ever day.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX  did a inquiry on XX/XX/XXXX XXXX
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

I opened an individual checking at Wells Fargo in XX/XX/XXXX. The account has remained the same but it's number has changed one a few occasions and as mandated by the bank when unauthorized transactions were reported. 

On the XX/XX/XXXX Statement, a XX/XX/XXXX XXXX Payment to me from my girlfriend is reported as just that, a XXXX payment. However, a XX/XX/XXXX XXXX payment to me from my father is reported as a Transfer, suggesting that my father has at least transfer access to my account which should not be case, My Wells Fargo account is wholly owned by me and I am the only authorized person to access the account. 

I, XXXX XXXX, have no valid Financial Power of Attorney outstanding, and with the exception of XXXX XXXX XXXX XXXX, have no representatives, agents or guardians and have no reason to being a XXXX XXXX XXXX of XXXX University and deemed competent by the State as defendant in a Superior Court Trial in XXXX XXXX, GA in XX/XX/XXXX. No one other than XXXX XXXX is authorized for debit transactions of myself or my XXXX, XXXX XXXX XXXX XXXX with positive verification of identity required with additional biometric verification to U.S. Federal Government records necessary for transactions valued over {$50000.00} ( XXXX XXXX US Dollars ).
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I received an email on XX/XX/22 ( XXXX MDT ) from Synchrony about my payment being posted on an outstanding card balance. The only other email received related to this account was on XX/XX/22 ( XXXX MDT ) with a summary of my balance, minimum payment, and due date. No where did the communication state or inform me of a delinquency or past due payment. I contacted Synchrony about this issue and they encouraged me to file a complaint to credit bureau agencies, but at the same time informed me that they'll prove me wrong with all their records systems and evidence. This is not being transparent to consumers. At least a call or message would have sufficed to solve a single payment if the bank truly made an honest effort.
Consumer complaint received 2020-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

During the XXXX financial crisis, I was unemployed for 6 months and this put me in debt. After getting a full time job, I applied for a loan modification with Navy Federal Credit Union ( NFCU ) and I was told by the rep that NFCU could not approve me because of my credit card debt. I told them I was working out payments with the creditors too, but the response was clear, if I didnt have those Credit card payments I will be approved the modification, so I told NFCU my house was more important and I stopped paying my credit cards and my temporarily loan modification was approved. Later, I got suit by my creditors and this pushed me into bankruptcy in XXXX. NFCU told my bankruptcy attorney that they will not do a reaffirmation agreement, but I continued to pay this loan for 2 more years, even though my debt to Navy Federal Credit Union ( NFCU ) was discharged in bankruptcy in XXXX. Because my property was underwater at the time of the bankruptcy, this junior lien should have been stripped from my property. This was the practice at that time, but for some reason the lien is still attached to my property. Because of this lien, I have not been able to take advantage of the low rates, like many Americans, and I have been forced to pay a high mortgage rate for my first mortgage. Now with Covid-19, Im facing financial hardship. My first mortgage has a high rate, but I can not refinance because of this junior lien from NFCU. I sent NFCU a letter this week asking them again to release the lien, so I can avoid the risk of loosing my home. I need your help to get them to release this lien. NFCU has charged off this debt already and I even paid them interest only on that loan for 2 years after the discharged but enough is enough.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I tried to open a new bank account. 
The bank said I placed a freeze on my Experian account and all I needed to do was contact them to have it lifted. 
I called Experian. Their initial contact recording kept saying my s/s number is incorrect. I could proceed no further. 
I went to their website. It said I was not using the correct format for my address. To solve the problem I could delete my pin number to bypass the problem. I took out the pin entry, but still could not get past my address. 

This company needs to have real people answer the phone, or real people answer a chat to solve simple problems like this that should not have happened in the first place. They even control whether I open a bank account or not!
Consumer complaint received 2021-08-31
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. (CA)

SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal closed my account for no reason one day and wont help me to get it back, I am losing hope from them, because that payment is really important for me and my family, especially during the covid-19, as we can not work and still need to pay bills. Paypal told me I can withdraw the balance after 180days. But I noticed a total amount of $ 8,357.49USD ( through two separate transfer to paypal XXXX 7969.63usd on XX/XX/2020, and the other amount of XXXXthe same day ) has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them but they can not provide any useful information to me about this. So I file a report to CFPB and wish to get this issue resolved, the email I used for my paypal is XXXX.
Consumer complaint received 2021-05-10
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. (FL)

EQUIFAX CREDIT BUREAU COMPLAINT : There is an Unknown yet validated account reporting on my Equifax credit file with an account number XXXX. 
I have been advised by legal counsel that partial account numbers are not acceptable and is reporting out of compliance with the FCRA and since it has hindered my investigation it is an negligent act of the furnisher and Equifax. 
There has been no mention on the report that this account has been disputed due to identity theft and is also out of compliance with the FCRA. 
There has been no mention of my dispute submitted in XX/XX/2020 regarding this account opened as a result of identity theft and disputed reporting under # XXXX and there is no mention of the prior dispute of # XXXX an unknown account also opened as a result of identity theft. 
In XX/XX/2020 I contacted the Fair Trade Commission regarding the Identity Theft and the noncompliance of the furnisher and Equifax. 
Along with written requests mailed to both the furnisher and Equifax to remove the information I sent the FCRA 605b and instructions to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA.

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). 
I have to date not received a reply from the creditor and subsequently with the advise of the FTC I mailed to Equifax my ID Theft Affidavit and letter of request to remove the fraudulent account on XX/XX/2020 and again XX/XX/2020. 
I also advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-22
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. (CA)

I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, Equifax has never responded, XXXX is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and XXXX has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 there was an Unrecognized Withdrawal for {$11.00} that Chase has Not credited and why Chase closed account. There is also a {$110.00} credit from XXXX along with {$3.00} monthly credits from XXXX that I have not received along with disputes I previously put through 1 year ago that Chase does nothing about.
Consumer complaint received 2020-08-25
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: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2022-07-22
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My card says its invalid when I typed in the card numbers. This card is for my unemployment benefits from the covid19 virus. I need a new card I think. The card may have been compromised as I received an alert through my email.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

Collection account has been paid in full on XX/XX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.
Consumer complaint received 2019-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (AZ)

My daughter 's phone keeps getting calls and messages from this company called Mr Cooper Loans, number XXXX. we never had any business with them, never own any money to any company. I called them asking them to remove our phone number from their calling list, they admit we don't have any loan with them, but the customer service guy refused to remove our phone number and hanged up.