davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I use the Citibank card to collect miles on XXXX XXXX. As a result, this card is what I primarily use to pay bills and make purchases. Because my credit limit is insufficient to support my spending on that account each month, I will often make multiple payments throughout the month as needed. Though Citibank is quick to apply all spending, they are very slow to apply payments to my account. Often, they hold my funds for up to two weeks without, despite my ability to show the payment has cleared my bank. I am told it's the size of the payments, but even that answer does not explain the various holds. When pressed, I get different answers, depending on who I get on the line. No one has ever given a clear reason as to why there is a hold in the first place, other than stating " it's our policy '' or " it's a systemic hold. '' In addition, customer service on the " management '' level is abhorrent. When I ask to speak with a supervisor, that supervisor responds as though I dare question anything they do. If I can not get an answer, they refuse to transfer me to their supervisor. On my latest phone call today ( XX/XX/XXXX ), XXXX refused to give me an answer as to why there was a hold on my account. A large payment to Citicard cleared my account 6 days earlier on XX/XX/XXXX. Despite me telling him I could send proof, he said he could not remove the hold in time to take advantage of XXXX XXXX  sales. In fact, the hold would not be removed until XX/XX/XXXX! When I informed him the holds have been removed in the past if I could prove payment cleared my account, he said it did not matter because he could not do it in the case. When pressed as to why, he said nothing more than " it's a systemic hold '' and told me there was absolutely no one else I could talk to. Absolutely no one, he said. Wow.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Two days ago, I got an email of checks in large sums being deposited into my account, I tried to log into my account but it kept telling me that my log in information was incorrect, as soon as I received the email I called XXXX and they told me to call again at XXXX when the claims department opened ( this was around XXXX ), I called and filed a claim, opened a new checking and savings number and went from there. I received an email this morning that they are trying to close my account even though I told them that I have never deposited a paper check into my account and havent had my physical card ( hence they are sending a new one ). As a person who has only had this problem one other time, WITH XXXX Im Tired, I Work two jobs and I am a XXXX XXXX XXXX, my money and my checks get deposited in that account THROUGH DIRECT DEPOSIT. Not only that the balance is XXXX dollars, they said it was withdrew out of the account which if it was at an atm CHECK THE CAMERAS? If It Was At A Store CHECK THE CAMERAS. Im a human being, I may not be a big business but I work hard for my money for someone to steal from me and the bank to not back me up and help, my account had {$0.00} in savings and {$0.00} in checking, I Got a direct deposit of {$230.00} from my job at XXXX on Tuesday which the bank put towards that negative balance and I get paid this Friday and Im losing out on two checks! Im need that money to help my mother and her medical bills. I dont care if they close the account anymore, its been made clear that they revolve around money and dont care about the customers that suffer from the lack of their protection. I pay all my loans and credit cards on time and have a good history so they shouldve took that into account, Ive paid back every negative balance that I, MYSELF, have caused but this is atrocious, I want my money back, And I need Them To Figure out what they are going to do for future customers. I need them to throughly investigate and when they realize it wasnt me that deposited {$4500.00} worth of checks nor was it me that took that money out, they need to reverse every last fee they gave me and give me back the money thats deposited as I look for a new franchise to bank with.
Consumer complaint received 2020-01-23
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 contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to XXXX and Experian. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus XXXX and Experian. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.
Consumer complaint received 2022-09-14
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

Fraud Prevention XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXXo Whom It May Concern : We are writing this letter to formerly file a complaint regarding your decision to deny our request for reconsideration of our claim that the Citi Bank website and Citibank is responsible for allowing two unlawful withdrawals of wire transfers from our bank accounts ( XXXX and XXXX ). The reason for our filing relates to the following rationale : As stated in your letter dated XX/XX/2021, we requested support from the Consumer Financial Protection Bureau for a return of our money since you allowed an outside source to wire transfer approximately {$14000.00} of our funds which was unauthorized by us. Our dilemma is that we feel Citibank was totally responsible and assume that you have sufficient insurance to cover our loss. 
Secondly, since we still have some of our money in our accounts your office suggested that we call the XXXX number and request that you reopen our account o or obtain assistance from your support office to open up a new account so that we would have access to our remaining funds. After spending 1 hour on the phone with your staff we were advised that they were not able to assist us in our efforts to open an account and they did not offer any options on helping us. Furthermore, the individuals were unable to communicate clearly due to the fact that they were not Americans and appeared to be struggling with their XXXX accent to communicate with us other than advise us that no help was available. We will file a follow-up complaint with the Consumer Financial Protection Bureau and the Florida State Attorney General because there seems to be an ongoing struggle to get any help. Since your bank has caused this problem, you should have the courtesy in correcting it. We are asking for two things refund our money and have the courtesy to allow us to have access to our account. 
Respectfully yours XXXX and XXXX XXXX CC : Consumer Financial Protection Bureau Florida State Attorney General
Consumer complaint received 2022-02-27
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX around XXXX I went to PNC to deposit XXXX cash into the ATM at the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX Pa when my transaction got denied. When it got denied the screen prompted that XXXX dollars exceeded the daily limit amount. It then prompted if I wanted to try another amount. I selected XXXX dollars expecting the ATM to give my XXXX dollars back however it did not. I immediately went into the bank where the banker took me into her office and made a phone call to headquarters to file a dispute. While very upset I explained to them I have rent to pay. My rent is due and if I dont get it payed I will get evicted. They told me that it would take 10 bussiness days to go onto my account however I am a mother of XXXX kids including a newborn child and I can not be without a house to live in. They understood and the person on the phone said that he would escalate it to the manager. After escalating it to the manager they informed me I would receive an immediate provisional credit within 1-2 bussiness days. However after reviewing my account it was never credited to my account like they had said. Now I am left without money to pay my rent and could be evicted with my XXXX children. For being a big bank corporation you would think they would have credited my account right away being the circumstances and being that the banker even saw the atm malfunction. Also being that I was told by someone in the branch that a few days before this had happened to another client and she was credited her money within a day. If this money wasnt such a big amount and was not for my rent it wouldnt be a big deal but for being a mother of XXXX young children and having a XXXX I need this money so my children have a place to live.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On my credit report it shows that I've missed payments to one of my lenders XXXX and that my balance has went up, presumably from missing payments, interest, and possible penalties, though XXXX XXXXoan payments are suspended until XX/XX/2022. XXXX has never mailed me a statement, either.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (NJ)

I filed a complaint against Equifax on XX/XX/XXXX I received a response from the company on XX/XX/XXXX which is in total violation of my rights. Equifax stated they verified the following inquires : XXXX XXXX date XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 1. Equifax did not provide me proof in writing how the inquires were verified. 2. I did not give Equifax written consent to furnish any thing on my consumer report. 
Equifax has violated my rights according to the 15 USC 1681 section 602A which states I have the right to privacy. 
15 USC 1681 Section 604 ( 2 ) a consumer reporting agency can not furnish any accounts on my consumer report without my written consent.
Consumer complaint received 2022-06-22
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. (IL)

In accordance with the fair credit reporting act bankruptcy account # XXXX and # 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. 

I did not give them written instruction.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

The problem I'm having is basically with PayPal. I was doing good with PayPal, but one day, they temporarily and later permanently restricted my account for no reason. I called support, but they couldn't give me a clear explanation at all. I was given the hope that I would be able to withdraw the available balance ( {$260.00} ) after 180 days. When 180 days finally passed, they put another restriction on my account for further investigation. I was still okay with their decision and hoped to get my money back one day. I thought all of this was their part of security.

Unfortunately, when I logged into my account after a month or so, surprisingly, there was no money in my account balance!! On the activity page, I noticed PayPal sent all my money to themselves on XXXX XX/XX/2022, labeling the transaction as " correction. '' I called the support, and the rep took it seriously too. He apologized and reported the transaction and assured me that I would get an update via email soon. 

PayPal claims that they took my money as their loss recovery. But man, what have I done wrong? There was no problem with my account! 

But until now, I didn't get my money back, or no one contacted me. There is no sort of explanation for this transaction at all! Now, I want my money back at any cost.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (RI)

Refer to CFPB file # XXXX This request was prematurely closed when CFPB queried the victim, not the perpetrator of fraud : This is a FRAUD inquiry perpetrated on my personal account. 
You can find all details under your file : XXXX On XXXX XXXX, I sent the following request : REF : Fraudulent XXXX withdrawals from personal checking account/ Your Ref : XXXX On XXXX XX/XX/2022, I requested assistance to recover {$6400.00} that was fraudulently withdrawn from my personal Bank Account. From my research, I clearly identified the following institutions involved in the fraud : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXs, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, CA After one month, when no information was forthcoming, I inquired to find that CFPB had sent the fraud case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the banks committing fraud ; see the highlighted banks to identify the institutions engaged in this fraud. 
I hereby request that CFPB exercise their Federal mandate with greater due diligence. CFPB action becomes more critical as I have been receiving demand notices from XXXX XXXX XXXX, a Texas law firm. 
I look forward to receiving notice of your intentions and action. Once again, let me know if you require further documentation to proceed with this matter. 
Sincerely... 

Do I have to escalate this fraud investigation or will CFPB execute due diligence ; get my money back from this crime or provide usable information about how to proceed? 
Thank you for your service.
Consumer complaint received 2022-06-08
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. (MS)

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have had issues since opening my business account. I, XXXX XXXX, am managing the account for my relative, XXXX XXXX and listed as a co account holder. XXXX -- Chase Account number Issue 1 : I opened an account where if I maintained an average of {$500000.00} for 6 months I would receive a cash back bonus of {$3000.00}. At the time I opened the account the offer was not clearly explained and I did not know I needed to fund the account immediately. It is clear I could have waited up to 30 days after reading the fine print. So Chase was able to hold my funds and pay me XXXX interest for 30 days. These terms should have been communicated at the time the account was opened but I was not presented with any paperwork regarding this. Now I am concerned I will even receive an account bonus after the 6 months. Due to the history of non transparency from Chase/problems with ACH DEBITS, I have sent follow up emails and made calls regarding this, to mitigate further problems, but the terms of how Chase perceives this bonus are not clear to me. For example, if you review all the correspondence, I have continuously asked how someone can maintain a balance of {$500000.00} for XXXX months ; It is impossible unless there is no account activity. I have asked about the timeline and it has been communicated differently to me : some people have written/said 6 months from account opening or some have said it can be 180 days after the account has opened. 180 days from when? THIS IS NOT CLEAR. This is why all the terms and conditions for these types of offers in the industry state average balance. As a result, after leaving my funds in Chase for close to XXXX months and earning no interest, I have removed the funds to an interest bearing account pending the outcome of this potential dispute I have. Issue 2 : I was encouraged to participate in Chases ACH approve/reject debit process. I have sent tons of emails about this regarding how the process works and what the system does. I was told I would receive a notification to accept or deny ACH blocks each day. I did not receive this notification for XXXX XXXX and they were blocked from debiting my account. I was charged a return fee with interest totaling {$200.00} I am requesting interest from account opening XX/XX/22 at the promotional rate ( approx XXXX months ) {$1200.00} and the ACH return fees totaling {$200.00}. Total : XXXX. I also would like to continue participating in the promotion, ( as I was originally intending to do in good faith by depositing funds in full at account opening when I did not even need to ) and receive the balance of the {$3000.00} promotion once the reminder of the period has elapsed, XXXX months. So far I have received XXXX. Spoke with relationship manager XX/XX/XXXX via phone was told she would get back to me about these concerns did not hear back.
Consumer complaint received 2022-02-14
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)

After a reinvestigation on XX/XX/XXXX Equifax reported a Chapter XXXX bankruptcy on my public record section of my credit report. Equifax reported that XXXX submitted the information. I have a letter from XXXX dated XX/XX/XXXX that states the bankruptcy has been removed.
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

I sent a certified verification of debt letter to the JPMCB CARD. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentation and the Bureau could not provide this info.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I have video where I can see tellers info from the drive up at chase that is not my account information. I have contacted the market director XXXX XXXX and the Executive Market  XXXX XXXX XXXX They will not respond nor fix the issue regarding the privacy violations. Please provide an email address and I will send the video that shows teller 1 information clearly that does not pertain to my transaction. I would also note XXXX did not return my drivers license so I would have to return to the branch. This further substantiates my point that XXXX XXXX has been harassing me ever time I go to this branch. I have brought this up to the branch managers on more than one occasion. Yet the executive management team does nothing to rectify the discrimination.
Consumer complaint received 2022-06-08
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. (NJ)

It shows that my file has been compromised. Again, I was going through my records & noticed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX, Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX*which do not belong to me. I have sent a letter to Equifax on XX/XX/2022 to eliminate the items mentioned above. You are required by law to remove & block any account or information which is found to be opened due to identity theft not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already involved this in my previous Complaint XXXX & I am including it again.