davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX My name is XXXX XXXX. I kindly request assistance with a pertinent matter involving the acquisition of Social Security survivor benefits for my niece XXXX XXXX. 

My dear sister XXXX XXXX passed away on XX/XX/XXXX. All agencies were notified of her demise, including the Social Security Administration and Chase bank. XXXX is survived by her daughter, XXXX XXXX, my niece. XXXX is a minor ( Date of birth XX/XX/XXXX ) and orphan. I was appointed as her legal guardian on XX/XX/XXXX. I also applied to be her Representative Payee for her Social Security XXXX Benefits. 

On XX/XX/XXXX, I was informed by the Social Security Administration that they had released over {$7000.00} in retroactive Survivor benefits for XXXX to a Chase account ending in XXXX on XX/XX/XXXX ; an account with XXXX and XXXX name ( s ) on it. Prior to receiving this information, in XX/XX/XXXX, I submitted a copy of XXXX Death Transcript and the Letters of Administration to identify me as the appointed Administrator of my sisters estate. The facilitation of this process has involved a significant amount of time spent away from work and other necessary affairs. 

XXXX legal address is the same as mine. However, I never received any notification from Chase, informing me of the payment that was disbursed. As a child, she can not withdraw funds on her own. Therefore, I am surprised that such a respected and well-known financial institution as Chase Bank , did not identify or notify XXXX 's legal guardian to properly disburse these funds. As mentioned earlier, I submitted the required paperwork to both entities and I have reached out to Chase Bank on several occasions however, in spite of my best efforts, Chase has not agreed to release these funds. 

The welfare and safety of my niece became of prominent importance to me upon my sisters death. XXXX is a XXXX XXXX XXXX  of XXXX with special needs. Truly a vulnerable individual who could easily be mistreated if sent into the foster care system. XXXX was her only surviving parent and now she is an orphan. As a society, it is not only a duty but also a privilege to protect those who are most vulnerable. Therefore, I implore you to assist in the following : release of the funds by Chase bank to me by a bank check. 


Best regards. 


XXXX XXXX
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

In attempt to link an XXXX  investment  account i was prompted to submit banking information. Unfortunately it seems to be dome authorization issues preventing the linking of the accounts. Id like solution to this problem. How do i authorize such transactions as this as well as future transactions.
Consumer complaint received 2023-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

They call me one a average of 3 times a day i have blocked the numbers everytime they call I have told them i do not owe them the money and to please stop calling me. Portfolio recovery is who it is. There is not set time they just keep calling.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

This complaint is against Wells Fargo. 

My credit card with Wells Fargo was hacked and {$7000.00} of fraudulent charges were made on it starting in XXXX of 2018. The established pattern of banking consisted of 2-3 transactions per month, simply transferring funds from the credit card to my checking account in large dollar amounts ; typically {$2000.00} to {$3000.00} at a time ; as I managed cash flow. This pattern was in process for approximately 12 months. When the account was hacked, there were suddenly dozens of transactions per day in small dollar amounts made to XXXX and XXXX accounts. 

Wells Fargo failed to notice the unusual account activity and when I discovered the problem and brought it to the attention of their fraud department, they took no responsibility for the problem and refused to reimburse me for the stolen funds. They stated in a letter that since I had paid my bill, that I automatically accept all charges made on the account. This is unacceptable negligence and the poorest customer care I can imagine.

My complaints are the following : 1. Wells Fargo does not seem to have an effective system in place to detect unusual account activity or bank fraud.

2. Wells Fargo does not bear responsibility for failing to secure their customers bank accounts when they are compromised.
Consumer complaint received 2019-02-28
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. (NY)

FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX 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 2019-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

On XX/XX/2019 I made a monthly loan payment to PNC bank and the branch manager made my payment into the wrong account ( I assume it was in her own personal account ). I began getting late calls and mail. I contacted PNC and shared my receipt and canceled check and basically they could give a crap. Told me it would take up to 10 days or more to resolve this matter. They arent sure how to handle the late fee, which was assessed due to the branch manager placing my {$1100.00} into the wrong account. They have stolen my money and even though they have the receipt and video on this transaction they tell me its internal and they cant discuss this with me. My payment was made 6 days before the late due date. Im worried about my credit and future payments since they are totally incompetent and are protecting the theif branch manager, XXXX XXXX, XXXX XXXX branch in XXXX Ga.
Consumer complaint received 2019-02-26
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: WELLS FARGO & COMPANY (NJ)

Wells Fargo has charged me over {$150.00} on overdraft fees when the cause the overdraft by reversing a credit that they have given me : Ref : XX/XX/19 for  {$120.00}. After giving me the credit, Wells Fargo again snatched back out of my account without warning - no heads-up no let just took my money and gave it to their merchant who was one of their banking clients. Just today, Wells Fargo charged me an overdraft fee of {$35.00} for a purchase I am unaware of : Posted Transactions XX/XX/19 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX {$35.00}. 

This is blatantly unfair that wells fargo do not have balanced their books properly or fail to do so ... .telling me that I have X number of dollars available and then sock me with an overdraft fee. The last four numbers of my non-profit business account Account number XXXX. Wells Fargo has unlawfully paid wrongly merchant approximately {$2000.00} over the last 2 years from my account. Please do your job and stop this thief bank from stealing money from me.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (MD)

For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please.
Consumer complaint received 2019-02-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AA Recovery Solutions, Inc. (TX)

on XX/XX/2019 a debt collector from AA recovery phone # XXXX contacted the HR dept of my place of employment asking to speak to me. The representative from A recovery stated that she would put a 24 hr hold on my account and that I needed to go to XXXX and get a prepaid card and make some type of payment towards this debt or they would start garnishing my wages ( which is illegal in the state of Texas ). this person was very rude and threatening. I also informed her that they are NEVER to call my place of employment again
Consumer complaint received 2019-02-26
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: ALLY FINANCIAL INC. (FL)

XXXX XXXX,2019 My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies
Consumer complaint received 2019-02-28
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: Experian Information Solutions Inc. (FL)

I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XX/XX/XXXX and XX/XX/XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of the FCRA.
Consumer complaint received 2020-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I submitted an FHA Assumption application to LakeviewXXXX  through their website in XX/XX/2024. At that time, their website indicated that the approval process would take XXXX days. 
When I followed up after XXXX days, I encountered delays and was told they couldnt find my application. The following week, I checked again and was informed that processing would now take 120 days, meaning I should expect results by XX/XX/2024. 
In XX/XX/2024, I started a series of phone calls to LakeviewXXXX to inquire about my application. During XXXX call, I learned that my application had been restarted in XX/XX/2024 and that I would have to wait another 120 days for results, pushing the timeline into XXXX. 
By the end of XX/XX/2024, having received no updates, I reached out again in XXXX. 
On XX/XX/2024, I spoke with a representative named XXXX. When asked to confirm the email address I provided for the results, I confirmed it was XXXX, the same one linked to my Lakeview/XXXX profile. However, I was then told that the results had been sent to an entirely different e-mail which is not associated with my profile. 
I requested that the matter be escalated. XXXX explained that he would be issuing a " XXXX '' e-mail in order to ensure that the approval documentation was being sent to my actual e-mail address ( the one linked to my Lakeview/Loancare account ). 
As of XXXX XXXXXXXX XXXX XXXX I still have no information from either Lakeview or from XXXX about my FHA Assumption.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Received a credit card bill from XXXX  - XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with balance of XXXX due by XX/XX/XXXX. I paid the balance in full by the establish due date. In XX/XX/XXXX, I received another bill for {$32.00} for Interest charge on purchases. I contacted the company through their customer service department and was told it was just a mistake and would be corrected within 5-days. In XX/XX/XXXX, I received another bill indicating a previous balance of {$32.00} with additional fee charges of {$34.00} for a total of {$67.00}. Once again, I contacted the company through their customer service department and asked to speak with a supervisor. After being placed on hold for what seemed like 15 to 20 minutes, I was told the issued had been identified and would be corrected within 5-days.  XX/XX/XXXX, I received another bill with debits and credits totaling {$74.00}. once again, I contacted the company through their customer service department. I was informed the issued will continue to occur until someone on their end can get in front of it. ( whatever that means ). In the meantime, the company continues to report harmful negative and incorrect information to credit bureaus regarding my personal credit worthiness.
Consumer complaint received 2019-02-28
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.XXXX XXXX IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXXXXXX XXXX IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i requested and investigation on XX/XX/2020 and i have not received any update or respond from this company, they basically refuse to investigate. 
follow up letters was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
this company have no done any investigation, inaccurate information keep been reporting in m y credit report.
Consumer complaint received 2020-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (SC)

I had a title loan with a affiliated of Advance America, the company took over the account. I paid the account in full, and they attempted to add an additional fee to the account. The payoff amount was {$100.00} ( somewhat around that. ), The amount that was need was sent on XXXX. They are other detail that are not included. 

I obtained a payday loan of {$230.00} with a equal payment plan. The company new I needed my title back immediately in order to fulfill the contract. I received the title at least two weeks late. ( I was told that it would take 6-8 weeks to get it back, that is a lie ) .I have tried to make the company understand this but they refused to listen. 
I was given an extension to the XXXX of XXXX. Now they are claiming that I defaulted on the advance and will take the {$230.00} plus interest. The action they are taking is unfair and voids the contract. They company also intentionally withheld some vital information in reference to state law. If you need more detailed information I will glady submit that.
Consumer complaint received 2020-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/20 XXXX XXXX ( XXXX ) XXXX Went to Bass Pro Shop in XXXX, Texas and filled out credit application to buy a boat. I found out about it due it dropping my credit rating 50 points. My bank notified me of something strange, so I looked into it and found the issue on XX/XX/20. I looked at my credit report and there was a transaction by XXXX going through Capital Bank. I immediately called the Store and they verified the transaction Reference # XXXX processed on XX/XX/20. They referred me to the fraud Dept. and I waited 2 hours, before I got to talk to a lady named XXXX. She gave me a FRAUD # XXXX and said they would check in to it. I ask how long before my credit would be fixed and she said maybe up to 2 years even though I gave them the name of the person and her email address. ( XXXX ) Capital One Fraud Dept ( XXXX ) XXXX I have been not only had fraud against me my credit report is now XXXX up!
Consumer complaint received 2020-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have been trying to close my checking accounts with capital one for two weeks now. I keep getting the run-around as I have left a message for someone name denisha at the number provided if they had any questions for me. I am closing my accounts with capital one because of the process they put me through and the baseless claim. Why would I provide capital one with more of my personal and business information when I trying to close my accounts. I had to file a complaint with CFPB to get an answer as to why capital one had my accounts on hold. If I did not file a complaint I would have never known what was going on because no one at capital one was allowed to tell me. Capital one is more than welcome to submit any evidence of wrongdoing to XXXX and I will communicate with them as that is who provided the loan, not capital one. Capital one should please make sure to send copies of the letter to me, CFPB, and the OCC.
Consumer complaint received 2020-12-13
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: Experian Information Solutions Inc. (NM)

Experian has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.