davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NC)

I opened a Wells Fargo Consumer checking account with an account opening promotion bonus of {$320.00} if I deposit {$1000.00} or more in direct deposit within 45 days of account opening. 

The direct deposit was made on XX/XX/2023 by my employer. 

After making several calls ( atleast thrice ), Wells Fargo admitted their mistake for not honoring the credit stating that I am still being treated as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo. 

I was not employed by Wells Fargo when I opened the account on XX/XX/2023. 

Executive from Customer Advocacy group opened up a complaint for me ( CASE # XXXX ), but it was closed without any investigation. 

Another case has been created but no heed paid towards by Wells Fargo ( CASE # XXXX ) Wells Fargo continue to deny incentive and promotions by not addressing it in a timely manner.

I request CFPB officials to take this matter seriously with Consumer lending as the financial institution not handling complaints in good faith.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, around XXXX, Chase Bank restricted my accounts ( both checking and savings ) and informed me that they will close my account soon, but did not provide any reasons for that. The specialist told me that we after the account is officially closed, they will send me the check for the funds in my account in 12-15 business days. 

On XX/XX/XXXX, my accounts were officially closed. Since the official closure, I made numerous phone calls to Chase Bank, and the information provided by the specialist is not consistent and makes them untrustworthy. It has been for 16 business days and 23 calendar days since then, I made a phone call to check the updates yesterday, the specialist replied that they were still reviewing my funds and could not provide a specific date when they could finish the work. 

It cause serious inconvenience to my life, and they still continue to delay the date of sending me the check.
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (AL)

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OK)

Late XXXX-early XXXX, I get a notice my savings account is going to be closed XX/XX/XXXX I called about 10 day closure notice XX/XX/XXXX tries to talk In person about closure. I was told the closure is already in process, and can't be stopped XX/XX/XXXX called again to try to get the funds from the account. 

XX/XX/XXXX scheduled meeting about the funds I never got. Told they would get back to me and they havent.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC (NY)

Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! When they take your money there is zero visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! Its all sketchy and bait and switch scam!!! Run, run, run!!! I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! They also use the business name XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have recently reviewed a copy of my credit report and I noticed that the following information regarding inquiries to be in error. According to the Fair Credit Reporting Act, the only permissible purpose for pulling a persons credit report is : ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to any of the listed purposes that I have reiterated from the FCRA ( Fair Credit Reporting Act ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly ask that you please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including the following : 1. Name and title of the person who pulled my credit 2. Date they purport that I gave permission 3. Method they purport that I gave permission, please include documentation of said permission.

I kindly ask that this these inquiries are removed immediately from my credit report. Thank you
Consumer complaint received 2022-10-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (GA)

On Saturday XX/XX/2022 I completed on online application for a personal loan for {$13000.00} from Discover Personal Loans. From my application, I received an email from Discover saying I may be approved for a loan and prompting me to call and speak to one of their loan specialists to complete the process. I called Discover at XXXX and spoke to a young man who asked for further information, such as verifying the name of my employer and my banking account numbers. He indicated that I was approved for a loan through Discover, would be receiving a welcome packet in the mail with more information, he agreed to make a note to have my loan repayment date moved by one day. He said the last step in the process was to get verification of my employer, simply by uploading my pay stubs to an online portal. After ending my call with him, I received this email and followed the steps to upload my employment verification documents uploaded. However, after typing in my reference number provided in the email, I was not directed to a portal to upload documents. Instead, a letter from Discover was displayed indicating they would not be moving forward with my loan at this time due to being " unable to verify credit information ''. I was very confused at this point. Having just been told 10 minutes prior that I was approved. I called Discover again and spoke with a woman. She looked up my reference number and confirmed that I had been denied for the personal loan. I explained my confusion, since I had just spoken with someone who had told me I was approved and had taken down my banking information. She said she wasn't sure why that had happened and assured me I was not approved for the loan. She was very professional, but was definitely more concerned with making sure I knew I was denied than the fact that someone had asked for my banking information and told me I was approved in error. I would not have given my bank account numbers to someone over the phone if I hadn't been assured that I was approved for a loan and it was necessary information.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (FL)

On XX/XX/2022, I purchased cashiers check for my sister in the amount of {$160000.00} from the First National Bank of PA in XXXX XXXX XXXX, MD. On XX/XX/2022 my sister informed me that the cashiers chased check and an amount of cash had been taken from her vehicle on XX/XX/2022. She stated that she contacted the police. On XX/XX/2022 I notified the First National Bank of PA in XXXX XXXX XXXX MD to request a stop payment on the cashiers check. I also contacted First Nationals customer service on the same evening of XX/XX/2022. On XX/XX/2022 I again contacted XXXX XXXX XXXX First National Bank. I asked to speak with the manager. The teller told me that she was with a customer who was opening an account. I called three times throughout the day to find out the status of the stop payment. Each phone call only revealed that they were working on it. They were busy with customers and could not locate the paperwork needed to proceed with the stop payment. Apparently, I need to sign an Addendum Form which states that the check was stolen, and it would need to be notarized. They would mail it to me. They are aware that I now reside in XXXX since I informed the teller when I made the first phone call. I asked them why they would not email it to expedite the stop payment. On XX/XX/2022 I again contacted First Nationals customer service. The customer service person stated that she would email the XXXX XXXX XXXX office with the complaint. I was informed by customer service that the complaint was forwarded to their fraud department for review. On XX/XX/2022 I again contacted XXXX XXXX XXXX XXXX XXXX. The teller stated that they are still working on it. I asked to speak to the manager. I was informed that the manager was in training. The bank did not contact me on XX/XX/2022. I contacted the First National Bank in XXXX XXXX XXXX on XX/XX/2022. They stated that they would send an email to the fraud department. I requested the fraud departments phone number. The bank told me that they did not have a phone number for the fraud department. So, I requested an email address for the fraud department. I was told that they could not provide the email address. A week later and I still do not have the forms to sign so the bank may proceed with the stop payment. Any assistance would be greatly appreciated.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC (WI)

The company- Asset Recovery Solutions called me at work today. The caller was XXXX. They called me from XXXX. XXXX said their office number is XXXX. I am extremely concerned about this because they called me at my office today at XXXX. I work in insurance and financial services and we have very secure lines to protect customer information so this is not an appropriate place to call. He was also very irate with me. He was being very threatening and yelling at me over the phone, trying to get me to agree to accept the debt he was trying to collect. After telling him I am not answering anything, agreeing or denying anything, he continued to proceed to yell and said he would call me here again. This is very concerning debt collection practices. He is trying to coerce me into agreeing to pay, make payments or accept a debt. I told him that this is also on a recorded line and he said he did not care. Please review this manner because these are very abusive and threatening tactics.
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via XXXX, in XXXX payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is XXXX 's limit per transaction for any XXXX period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have XXXX digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( OneWest ) had been taken over during that same weekend by First Citizens Bank ( see the bank 's letter of XX/XX/XXXX ), and that First Citizens had blocked that XXXX transaction, but that they would be reverting the {$3500.00} to me. I had XXXX three-way conversations with a representative of First Citizens and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my XXXX XXXX XXXX  account via an ACH, and that money would reach my account in XXXX business days. In the second, the representative insisted that the issue was out of First Citizens hands, and that I should have the XXXX XXXX XXXX " open an investigation '' into the affair. Following that, I learned from XXXX that First Citizens insisted that the {$3500.00} should have automatically bounced back to the XXXX  XXXX XXXX ( see XX/XX/XXXX text message ). 
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of First Citizens Bank ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that XXXX informed the bank that they would actually refund you the money within XXXX business days because they regarded it as a XXXX reject since the money was not received. However, the bank found out later that XXXX did not do this. 
On XX/XX/XXXX, I filed a request with the XXXX  XXXX XXXX to recover the {$3500.00}. The XXXX  XXXX XXXX representative with whom I filed the request told me that the bank would open the case within XXXX days, and provide me with a resolution in the 45 days that followed. Those XXXX phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and First Citizens Bank on XX/XX/XXXX. I am therefore requesting assistance from the CFPB for the return of the {$3500.00}.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I have written the company many letters stating they are in violation of multiple XXXX XXXX, and that I don't own the alleged debt. The company continues to send me threatening letters.
Consumer complaint received 2022-10-29
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. ()

In accordance with the Fair Credit Reporting act. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SG and Associates (GA)

In accordance with the fair credit reporting act XXXXt account # Stafford group associates has violated my rights. 

15 USC1681 section 602 states I have the rights to privacy.

15 USC1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I have no knowledge of this account. I did not engage in commerce with this company. I am a victim of fraud and identity theft. I demand this account to be removed from account immediately.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/22 I mailed certified a personal information dispute requesting incorrect personal information be deleted from my report. Experian removed a portion of this incorrect information but not all. On XX/XX/22 I mailed certified once again another personal information dispute demanding inaccurate details be removed from my report. Experian has refused to remove this information or otherwise provide the required documentation as to their knowledge of truth in the personal information reporting.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION (CA)

On XX/XX/2021 The Locations of original Creditor : XXXX XXXX XXXX XXXX XXXX, Located XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Also reported as CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX The account you are reporting Account # XXXX is identified as an installment loan which is factually incorrect the true account type for this Account # XXXX is a credit sale agreement, I have the right the to an actual credit file and discrepancies like this are unacceptable please remove this from my account immediately
Consumer complaint received 2023-12-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.