davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (IN)

I am a decade+ customer of US Bank . I have a checking, savings and business account with US bank. 
Us Bank has incessantly advertised its XXXX app on my banking accounts. 
It has suggested I use it for bills, transferring money and more. 
I see it in my login screen and as a suggestion in my mobile app. 
Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through XXXX. 
Believing the product must be reputable, the payment was sent. 
After sending, our friend asked us to send a screenshot. 
I found this odd, as we've done business several times. 
So I asked him to call me and when he refused, I found that his XXXX account was hacked. 
Within literal minutes of sending the payment, I called US Bank. 
They said XXXX is not their app, its a 3rd party and there was nothing they could do. 
I asked if they could NOT send the funds, because the funds WERE NOT SENT. 
They said no. 
I called XXXX, it had no options for fraud, for support and the system hung up on me twice. 
I called US Bank back and explained that we should have the ability to mitigate our losses, that US bank advertised this app in a way that made it seem like it was a part of their services and an app owned by them. 
They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. 
US bank has no stop payment No cancellation No communication with XXXX No CONTROL is provided to me, the customer defrauded by the app it touted. 
Now that I've been informed XXXX isn't part of US bank, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. 
This is extremely misleading. 
They should not be pushing an app that they can not offer protection when using. 
ESPECIALLY during an age where we are so vulnerable to cyber crime. 
I dont ' know what the CFPB can do, but this definitely deserves attention and investigation. US Bank should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I sent a XXXX payment for goods that I thought I was purchasing. The merchant Ferrerjewels and I had been in constant contact in regards to a customized order. I then paid her a deposit thinking it would be secure through XXXX. We were in contact on up until XX/XX/XXXX the merchant stop responding. I have emailed, text, sent her messages with no response. I then called my financial institution chase who basically said sorry your out of luck. We dont help with XXXX  transactions its a one way transaction.I was so confused on how that worked. I spent over 2 hours on the phone with them trying to understand how they took me through so much to send money to an actual contact I was XXXX that I XXXX  on a regular basis, however for this circumstance bc its considered a scam & not fraud its different. They also stated they will put in a claim for scammers but they never recover any money so they just close the case right away because they dont want to give out any false hope was the representative response. I then asked to speak with a supervisor after getting nothing. The supervisor was worse than the agent cutting me off at every other word. Lets just say nothing has been resolved and if you use XXXX, XXXX or cashapp to pay for merchandise and you dont get it youre at a lost.
Consumer complaint received 2020-11-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

On several occasions I have contacted Macy 's, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( XXXX XXXX XXXX ) - XX/XX/XXXX {$680.00} XXXX XXXX, XXXX ( XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I was alerted by XXXX my mortgage balance increased by {$5000.00}. I purchased my home in XXXX of XXXX. After my down payments etc ... my mortgage balance is {$330000.00}. This was being reported to the credit bureaus, until around XX/XX/XXXX, when I received a credit alert my mortgage balance increased by {$5000.00}. I began making the classes to XXXX and to our current mortgage servicer, SPS ( Select Portfolio Servicing ) XXXX states this information is coming from the mortgage holder. SPS is not the mortgage holder, however they are my contact for discussing my mortgage. I called SPS, and they are saying they are not reporting this increase to my credit report. They told me the county tax accessor must be reporting to the credit bureau. Today, XX/XX/XXXX, I placed a called to the tax accessor about my concerns. They expressed to me, they do not report to credit agencies. This brings me back to SPS, who told me yesterday they are not reporting this {$5000.00} increase to my credit report. At this point, this is holding me up from being able to secure a line of equity to help us continue to rehab this dilapidated property. I watch my credit score closely to try and secure financing with the lowest interest rate possible. This situation continues to lower my score, while it's false reporting of information. I don't owe taxes until XXXX, for which I have already paid into my escrow account to cover these taxes, as this is what takes place when you purchase a home. Taxes are paid in the rears. The former owner of the home, ( a bank ) is responsible for the XXXX taxes for my property. XXXX XXXX XXXX, XXXX XXXX. This is my second complaint filing, as the first is when I discovered what has happened and no one can give me a straight answer. Mortgage Processor pointing the finger at the tax authority is absurd! The entire process for purchasing this home began with XXXX XXXXXXXX XXXX, when I caught them discriminating against me, as I have a XXXX last name. Had everything not been so stressful, while running a business I would have filed suit against XXXX XXXXXXXX XXXX. This is my husbands last name, as I am a XXXX, born and raised in the XXXX, cousins to XXXX XXXX the great Senator of Minnesota. I have never felt the feelings of discrimination until now as people assume I am XXXX. I need this false reporting to be fixed and I do not know where to turn.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I sent an international wire transfer on XX/XX/XXXX, the receiver got it in the wrong currency so they did not accept it and refunded it on XX/XX/XXXX there was a refund made from JP Morgan in XXXX XXXX and i have documents and reference numbers confirming this transaction. And to this date XX/XX/XXXX the funds have not been returned. 

I have been in touch with Chase every day and they are referring me to their messaging system. however, i have messaged them close to 10 times since XX/XX/XXXX and they have not responded. 
When i go to a branch they say they are not able to access the wire transfer department and when i call the research team their department does not have any phone support so i need to go to the secure messaging system. however, as mentioned they do not respond. 

The branch is saying that they do not have access, the phone is saying they have no way to find out anything.. And the messaging system does not respond. I made a claim and they have not heard back from the claims department. So i went to a branch to escalate the claim and they were going to call me within 24 hours and no one called me. The concern here is how does a financial institution not have anyone that is responsible to be able to make an inquiry into where the funds are. This is a simple request from Chase to JPMorgan in XXXX XXXX where the funds are coming from. And find out what is holding the funds from being released. 

Transaction s like this happen every day. Losing funds in the banking system should be the responsibility if the institution to handle and resolve.

This is choking me i can't sleep and can't do any other work, i literally just lost all my money and I have not one person that can direct me with an answer at financial institutions this large than even has the ability or interest to make an inquiry as to where the money is. 

In short. A financial institution needs to have basic accountability that if funds are not available there should be a process and team that will be trained to help and deal with finding and resolving the issues. 

This is embarrassing and extremely unethical. thankfully I have been able to discuss this with some friends that are business owners and we will be moving out our funds from Chase once this is over, I feel violated. 

Please help with this concern I am grateful for your support. And look forward to getting this resolved XXXX XXXX
Consumer complaint received 2020-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2022-07-20
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 has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-08-19
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: AES/PHEAA (NC)

I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against FedLoan and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.
Consumer complaint received 2021-08-19
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: Flagstar Bank, N.A. (MO)

I am currently buying a new house and my lender ran my credit check. He told me that my mortgage was not being reported. I contacted Flagstar my mortgage company and they said thats correct and needed research to find out why. A week later still no call back. I contacted XXXX XXXX, XXXX, and XXXX and they all said there is no information on Flagstar on my report. I asked them my next step and they told me to reach out to you as this is a law that they have to report. This loan goes back to XXXX and I am requesting all of my credit from then to now please be reported.
Consumer complaint received 2021-08-19
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. (SC)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On XX/XX/XXXX I requested TransferWise Ltd a wire transfer of USD XXXX from my Wise USD account to my bank account. After being on hold for nearly 10 business days, it was cancelled on XX/XX/XXXX without further explanation. 

I contacted TransferWise Support during the following days by phone and chat and they could not indicate the reason for the cancellation. 

On XX/XX/XXXX I exchanged XXXX USD from my TransferWise balance into XXXX GBP for which TransferWise charged me the related fees. Assuming there were no issues with my account, I requested two new wire transfers : Date : XX/XX/2021 Amount : GBP XXXX Date : XX/XX/2021 Amount : USD XXXX Again, both transactions were blocked by TransferWise without any explanation. TransferWise support told me to wait up to 10 business days to see if the money was released and on XX/XX/XXXX my account was suspended which prevents me to recover the remaining balance in my account. 

Due to the suspension of the account, I can not log into the app anymore or make any kind of complaint through phone or chat. 

Currently, my Wise account has a remaining balance of : USD XXXX GBP XXXX which I need to recover. I wrote to the Wise Appeals at XXXX requesting a refund and providing my bank details but I can not get an answer.
Consumer complaint received 2024-11-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY (MI)

Drove OUT OF STATE, to XXXX  FROM XXXX  to get a cashier 's check to PURCHASE A HOME and the bank provided a cashiers check that is NOT SIGNED BY THE BANK. I received XXXX cashiers checks ; XXXX is signed, XXXX is not. 
They expect me to drive back to the branch to correct this instead of them wiring the funds/issuing a new check.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-19
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: Nelnet, Inc. (MD)

Pursuant to 15 USC 1691a ( e ), " The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. '' Pursuant to 15 USC 1691a ( f ), " The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. '' Pursuant to the federally protected consumer laws listed above, I, XXXX XXXX XXXX, natural person and consumer, is the ORIGINAL CREDITOR for all extensions of credit created against my UNITED STATES trust account.

This is also proven pursuant to 15 USC 1602 ( l ), " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Notice congress stated " ANY CARD '' and as such, Nelnet used my social security card, a credit card as defined by congress, to extend my credit to me, the ORIGINAL CREDITOR. This violation is identity theft and fraud.

Pursuant to 15 USC 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ;, should be excluded from a consumer report '' and as such, Nelnet is in violation of this code as the extension of credit originated from my social security card/credit card is being furnished to all of the consumer reporting agencies. This is also identity theft.

In addition, Pursuant to 15 USC 1681b ( 2 ), " In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT give Nelnet written instructions to furnish my information to anyone. This is also identity theft.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Blockchain.com, Inc. (NC)

On XX/XX/XXXX, I transferred roughly {$140.00} in XXXX ( a cryptocurrency ) to a private wallet on Blockchain.com, which advertises an 8 % interest rate for this currency. The fee for transferring these funds to Blockchain.com from XXXX was roughly 2.5 % ( $ XXXX worth of XXXX ). 

In order to earn interest on Blockchain.com, however, the user must make an additional transfer from the private wallet to an interest account. There is a fee associated with this transfer, which depends partly on the status of the Ethereum network. That is, the fee rises and falls based on how busy the network is. I understand this. 

What I do not understand -- and what I'm writing to complain about here -- is the incredibly high fees that Blockchain.com charges for making this transaction. The proposed fees for transferring this {$140.00} or so worth of XXXX to an interest account have ranged from a low of {$42.00} to a high of {$97.00} -- that is, anywhere from about 30 % to about 65 %. 

Needless to say, such fees completely defeat the purpose of transferring the funds in the first place, as it would take many years ' worth of interest at 8 % to make up for the cost of transferring the funds. 

I have contacted Blockchain.com support ( chat/email ) and tried to explain to them that something is wrong with the way they are processing these transactions. Without fail, they tell me that they are not responsible for the fees, that it's all a matter of network congestion, and that I should try again later. 

What they refuse to take into consideration -- and what I've repeatedly tried to explain to them -- is that I was able to transfer the same amount of funds ( over the same network ) from XXXX for less than XX/XX/XXXX of what Blockchain.com is trying to charge. They refuse to take this into account. 

I've explained to them that what they are doing is essentially committing fraud, having lured me into transferring funds to one of their wallets in hopes of earning 8 % interest without realizing that I'd have to forfeit roughly half the value of my funds just to make the additional transfer. 

What this means is that my funds are essentially locked, or stuck, unless I agree to pay the exorbitant network fees they are charging. 

I informed them that I would be filing complaints with the relevant government agencies if they did not address the issue, but they still did not make any attempt to help. I asked them to escalate my case to a supervisor or manager, and they simply refused.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
"
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (DC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX