davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (TX)

I have been using Wise for over a year to receive business payments, and everything was functioning smoothly. However, both my personal and business accounts were suddenly closed. When I inquired about the reason, I received only automated responses stating that I had violated their terms and services, without any specific explanation. Furthermore, a payment of approximately {$11000.00} is currently stuck in my account. 

Despite reaching out multiple times and offering to provide any necessary documentation, they maintained that their decision was final. There are numerous complaints about Wise closing accounts without clear justification, and I am concerned that an error might have occurred in reviewing my accounts. I would like a clear and detailed explanation for the closure.
Consumer complaint received 2018-05-24
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 — Their investigation did not fix an error on your report
Company: LHR Inc. (SC)

I had an XXXX credit card acct # XXXX with a balance of {$410.00} was sold to L.H.R on XX/XX/2012.I had attempted L.H.R on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXXXX XXXXXXXX XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA COLLECTORS, INC. (CO)

I received a Judgment from AAA Collectors , Inc . They sent me letters on XX/XX/XXXX and XX/XX/XXXX, according to their office. I had just moved to my new residence in XXXX and told them I couldn't get mail because the mailbox has a lock and there was troubles with the post office assigning the incorrect mailbox. I never received any letters from them. Then fast forward to this XXXX in which I missed a court date in XXXX to defend myself because I did not receive the summons from AAA collectors. They have advised that an XXXX XXXX hand delivered this summons to me on XX/XX/XXXX which is untrue. I have never received a summons hand delivered to me, thus making me unaware I had a court date. I called AAA Collectors , IncXXXX and asked them to call their processor to verify his statements as he lied about hand delivering me a summons. They refused to do so. I am asking the judgment be removed and my credit be fixed. They are charging me {$160.00} in interest and {$170.00} in court fees.
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I just received notification today, XX/XX/XXXX, from XXXX   that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.
Consumer complaint received 2018-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK (IL)

I REQUESTED AND NEVER RECEIVED CONTRACTUAL AGREEMENT BEARING MY SIGNATURE STATING I AGREED TO REPAY.ALSO COURT CASE WIYH XXXX XXXX XXXX SCHEDULED INCIRCUIT COURT OF XXXX COUNTY ON XX/XX/XXXX AT XXXX COURT CASE #XXXX. DISCOVER BANK VS XXXX XXXX.IHAVE ON ALL 3 CREDIT REPORTS. XXXX XXXX XXXX STATING BALANCE OWED $XXXX .I AM BEING SUED FOR $XXXX PLUS COURT COST. WITHOUT ANY DOCUMENTS BEARING MY SIGNATURE SAYING THERE WAS CONTRACT OR EVEN IF ACCOUNT IS MINE TO PAY.FDCPA&FCRA SECTION 807-8 ALSO623-B.I HAVE NO VALIDATION.IWANTED TO SAVE MY CREDIT SCORE SO I MADE PAYMENTS OF $XXXX   FOR SEVERAL MONTHS IN XX/XX/XXXX. NEVER RECEIVED ANYTHING STATING PAYMENTS WENT TO BALANCE OWED THEY SUED ME PRIOR TO NEGOTIATING ON PAYMENT PLAN.I NEVER WAS TOLD I COULD DISPUTE THE CHARGES. I ONLY RECEIVED NOTICE OF MOTION.I COULD MAIL YOU CREDIT REPORTS AND COURT PAPERS.ALSO THIS DISCOVER BANK ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX. DISCOVER BANK ADDRESS XX/XX/XXXX,XXXX XX/XX/XXXX. MY CONTACT INFORMATION ,XX/XX/XXXX SOCIAL SECURITY NUMBER XX/XX/XXXX ADDRESS XX/XX/XXXX. TELEPHONE XXXX EMAIL XXXX.PLEASE HELP RECENTLY RETIRED DEBT TO RATIO UNABLE TO ANY LONGER PAY. MONTHLY INCOME $XXXX MONTH RENT $XXXX UTILITIES ABOUT $XXXX MEDICAL &LIFE INSURANCE ABOUT$XXXX OTHER BILLS.I LIVE ALONE NO DEPENDENTS.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NM)

This is a Very sick company!!! i have called them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ... ... ... ... ... ... ... ..and they will not return my funds back to family and i can not transfer it to my bank account!!!!!!!!!!!!!!! 
For several weeks now I've been trying to transfer funds into my bank account to pay numerous utility bills or rent water bill food for the family and PayPal has completely denied me access to funds that belong to me and restricted the account and now they will not return the funds back to the origination causing complete chaos and complete nonsense on this horrible despicable company that should be absolutely sued and every one of their members should be thrown in jail for a long time they are criminals and they are one of the worst companies in the United States of America and all the calls get routed to the XXXX islands and they do absolutely nothing they have stolen well over {$2000.00} of my funds and claimed that there's an issue with another account which does not belong to me and they have caused you normal amount of problems with my family!!!!!!!!!!! 
paypal has over 100,000 unanswered complaints, and instead of dealing with them just palms off the customers, locks their accounts, and keeps the interest. 

in the current arbitration process that paypal has instituted complaints must be submitted to binding private arbitration in XXXX XXXX county. paypal then reserved the right to freeze that customer 's account, and made the person submitting the complaint pay part of the arbitration fees ( which could often amount to more than the claim itself ). customers were also not allowed to combine separate disputes into a single arbitration, therefore making them pay multiple fees.
Consumer complaint received 2018-05-24
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: JPMORGAN CHASE & CO. (MI)

I just received notification today, XX/XX/XXXX, from XXXX   that Chase pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX Chase FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with Chase and a letter from Chase verifying it was fraudulent. I have attached my complaint letter directly to Chase telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). Chase did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, someone withdrew {$160.00} from my account at a wells fargo bank. I did not authorize this or anyone to use my card. To my knowledge, my card was in my possession ; however when I filed my claim for the false transaction, wells fargo representative stated my original card was used and denied my claim. I don't understand how it was possible for my original card to be used in XXXX XXXX, CA. On the date of the transaction, I was at a funeral 30 miles away that entire day. In short, I did not make the transaction and did not authorize it. And because I couldn't explain to their liking how the money was stolen from me, they denied my claim. I am the victim of theft and because I can't explain how it happened, they won't give me my money back. This is so unethical. I don't know who else to turn to.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

I opened a Citibank XXXX XXXX advantage card on or about XX/XX/XXXX with a credit limit of XXXX. After the card was issued, I was notified by mail to verify my social security card. At the time I made copy of the social security card and mailed it to Citibank. On XX/XX/XXXX I called to request an update on the credit card. On the call I was notified that I did not send the second page of the social security card request form, of which no second page existed. I called again on XX/XX/XXXX at this call I was asked to provide my checking account information to confirm my identity, I refused to provide my banking information. I was told that I would be receiving a another letter requesting some other information to verify my identity. At this point I am frustrated with Citibank. There has been a hold on the card preventing me from using the card since opening the account. I am requesting CFPB to request Citibank for the reason for this delay in releasing the hold place on this account.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

I received a letter dated XX/XX/2018 from my bank, 'Bank Of The West ' informing me of changes that would be accessed to my checking accounts. According to the mailing the accounts will be converted from the status of free checking accounts to what they call their Any Deposit Checking account product. A {$10.00} monthly service charge will be assessed unless there is at least one deposit made into the account for the month. 
The letter also states, that a {$3.00} monthly statement fee will be assessed for each paper statement that I receive during a monthly cycle. It lists several conditions of automatic waiver to this fee, of which I do not fall under any one of, or that I can avoid the fee by signing up for their Online Banking product. 

As far as their changing their free checking account product to a monthly fee account of {$10.00} per month, I guess I would have no say about if I choose to keep doing business with them, but I strongly disagree that I should be forced to have to enroll in Online Banking if I choose to receive my bank records, and statements and records in the mail, which I consider to be much more secure for my privacy, especially with the insecure nature of information and data breaches online. So, I believe that as a customer, I should be able to choose how I receive my monthly statements without being pressured to receive them one way or another.

Also, I think our mail carriers, as well as, many other blue collar jobs are under enough stress by the corporate world, along with decreased regulations, and escalating fees to customers in all sectors of finance and insurance, more and more everyday.

Thank you for any assistance you may provide.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2024, my account was compromised with fraud. I had 3 transactions that was attempted. 2 items were posted and 1 of the transaction fell off. I called Wells Fargo to report the transactions once I saw the email I received from them. On XX/XX/2024 I called in to Wells Fargo because the transactions posted. I spoke with 4 different representatives. One representative informed me that Wells Fargo had contacted me by phone, text, and email in regards to the transactions. That was false information. I never received a phone call or text but only an email from Wells Fargo. Another representative stated that I told the initial claim representative put on the claim that I was in possession of the card that fraud occurred on which that was false information.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

Contacted company to retrieve proof of debt. I have asked for debt to be disputed by company as this is inaccurate information. This bill does not belong to me and shows that it was revised with information, This is not my debt and tthis is an attempt of electric company trying to scam. This electric company is currently under investigation, XXXX XXXX XXXX. I also do have or agreed to any contract with Transworld Systems Inc. I need company to provide history of any/all bills or payments and not this REVISED bill that is clearly fradulent. During this timeframe, company will need to place collections in DISPUTE status. Take this fradulent bill out of collections. I would have been disputed this but I did not receieve any notice until last year about alleged debt
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the FCRA, ( XXXX, Transunion, XXXX, XXXX, XXXX, XXXX, XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties.

I have the list of Accounts that I will post hereXXXX XXXX XXXX  account # XXXX date of late payment XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX date of late payment XXXX ) I am Attaching identity and proof of address!
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MN)

RE : Method of Verification Request for Account Listed in CFPB Complaint No. XXXX To whom it may concern, I am writing to formally request the Method of Verification ( MOV ) used to verify the accuracy of the information you are reporting on my credit report, specifically regarding the account reported by Apple Card/Goldman Sachs Bank USA . This account is listed as having a charge-off status with an outstanding balance of {$3100.00}, which I have previously disputed through both the Consumer Financial Protection Bureau XXXX CFPB ) under complaint number XXXX and directly with the credit bureau. 
I am requesting that you provide the following : XXXX. The specific method and process you used to verify the information related to the charge-off status, the balance of {$3100.00}, and the payment history. 
XXXX. The name, address, and contact information of any party involved in verifying this account information. 
XXXX. Copies of any documentation, records, or other tangible evidence that you used to verify the accuracy of the reported information. 
Statements Are Not Sufficient for Verification : In your prior response, you may have referenced account statements or payment reminders sent by Goldman Sachs Bank USA as part of your verification process. I want to make it clear that under the FCRA, generic account statements or documents generated solely by the creditor or creditors system can not be used as sufficient verification of the accuracy of the reported information. Any documents used for verification must be tangible evidence that accurately reflects the legitimacy of the debt, such as signed agreements or transactional records, not just statements or notices. 

The continued reporting of inaccurate information on my credit report is damaging to my credit standing and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-20
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: CREDIT ACCEPTANCE CORPORATION (MD)

On XX/XX/year>, XXXX XXXX XXXX  and on XXXX XXXX, Credit Acceptance Corporation both conducted a hard inquiry on my credit report through XXXX, XXXX, and XXXX. I did not attempt to apply for auto financing or any kind of credit through these lenders so I called and/or went online to all three credit bureaus to place a freeze and fraud alert. 

I notified the local police but they advised there would be no utility in making a report since I had not actually been financially harmed. 

I called Credit Acceptance Corp and they advised that I needed to contact the credit bureaus to dispute the inquiry. 

I called XXXX XXXX and they advised me to send them a letter detailing the dispute and a copy of my credit report. They received the letter on XX/XX/year> but as of XX/XX/year>, the inquiry was still on my XXXX credit report. 

I disputed both inquiries with all three credit bureaus. XXXX and XXXX removed them both after a simple phone call. On XX/XX/year>, XXXX called and advised I would need to send in an FTC.gov fraud report in order for them to remove the inquiry.
Consumer complaint received 2024-09-20
Product: Credit 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: BARCLAYS BANK DELAWARE (TX)

Please see XXXX previous complaints that were closed as a result of the company 's response. But the company is not addressing the issues. This was a fraudulent account. They have justified it as a valid account stating I requested to be added as an authorized user. But they also provided a credit application ( with a scribbled line as my signature ) as proof that I authorized the opening of this account. It doesn't make sense that I would sign a credit application and then request to be added as an authorized user. I specifically called on XX/XX/year> to report the card as fraudulent. In addition, they have not provided validation of the XXXX charge made to this account. They reference a signed contract with a merchant but has not provided a copy of that signed contract.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX & Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
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: WELLS FARGO & COMPANY (TX)

Closed Case : XXXX - I opened a dispute on the above case number for XXXX to provide documentation to validate the information they are reporting on my consumer file. The closed case indicates that Wells Fargo provided them with a certified copy indicating the debt was valid. I have not received this certified document from Wells Fargo or XXXX yet XXXX is still reporting this information negatively, despite providing them with statements from Wells Fargo indicating there was a {$0.00} balance upon the account being closed.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

U.S. Bank had a {$500.00} bonus promotional offer for opening a new smartly checking account which required direct deposits being deposited into the account. 
I signed up for this promotional offer opening the account and had my employer direct deposits posted into the account. 
But the bank is not honoring the promotional offer and denying the bonus by saying that the deposits in my account are not employer direct deposits but an internal funds transfer initiated by me. This is not true and I am not sure how they came to this conclusion.