davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MO)

I am filing a complaint against Citibank for terminating my Costco Citibank Account without reason. I have held the account since XXXX and have held it in good standing without a single late payment. I unknowingly let my Costco membership lapse, it expired in XX/XX/XXXX. I continued to use the card spending thousands without any word from citibank that there was a problem. I didn't hear from them until they closed my account on XX/XX/XXXX. In their letter they stated that if I paid my membership dues my account would be reopened and that all I had to do was call and request that that action be taken. I paid my dues on XX/XX/XXXX then called on XXXX separate dates to have my account reopened. I was denied all three times. If you hold a Costco Citibank Card you are paid a reward check that is sent out on XX/XX/XXXX for the previous year 's cash back. I spent over $ XXXX on my card and am due several thousand dollars in rewards. When my request to reopen my account was continually denied I called XXXX to verify that there had not been any derogatory marks on my credit or that my credit score had dropped. There have not been any changes. In fact my credit and household income has increased dramatically in the 15 years Ive held the account. The only reason I can see for Citibank denying my request to reopen my account is because they do not want to pay me my rewards check. I am appalled and disheartened at the treatment I am receiving after being a loyal customer for 15  years. I expect my account to be reopened and for my membership benefits to be intact.
Consumer complaint received 2023-05-05
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2023-03-01
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: SYNCHRONY FINANCIAL (IL)

I stopped automatic payments from my checking account for my Synchrony credit card over six months ago with my bank XXXXXXXX XXXX  and also three times with Synchrony Bank!! Yet Synchrony has continued to debit my bank account after I stopped authorization for them to do so numerous times including today for {$510.00} which is more than half of the balance on the credit card!! It did not go through and wont be as there is no money in my account!! I also told them to CEASE and DESIST, which they also are not adhering to!! The bank contacted me by email to let me know about the debit through my alerts I set up!! I called XXXX to ask them why this ACH was allowed to go through from Synchrony Bank as I had already had them put a stop payment on the account in the past and also withdrew my authorization with Synchrony Bank! They said because I did not set the autopay up through them and instead did it on Synchrony Banks side that they can get around it and keep trying to take money and I would have to contact them to stop all, which I have already done three times, or they said they could freeze my account so no money could be withdrawn but only deposited but my direct deposit and other payments go in and out of it so I told them I would file a complaint with you instead and let you hand deliver the note to Synchrony Bank to STOP ALL ACH and AUTOPAYS from my account immediately and CEASE and DESIST!!!! I also want you to fine them for breaking the laws!!! Why are they not noting on their website and in all their credit card documentation that autopay set up for ACH can not be stopped? Their website clearly lets you start and stop them at will yet they claim they can not be stopped!! Liars and Crooks!!! I HATE lawbreakers and deceitful trash like these people!!! Make them alter all in their documentation and fine them or I will start a very large class action lawsuit and make them do so myself!!!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

Inquiry/Complaint Description I have a Venmo account I haven't used in 2 years My friend sent me {$330.00} I went to transfer it out to my bank account and Venmo froze and Suspended my account. Venmo ask me to upload bank statement, drivers license, pic of my bank mastercard and Venmo also took out XXXX XXXX XXXX XXXX from my bank account and credited it back to prove and verify this is my bank account. I just got an email from Venmo after providing them all they ask for and told me they WILL NOT UNFREEZE my account. Venmo even sent me an email stating that my account has been Verified See Email : Sat, XX/XX/XXXX at XXXXXXXX XXXX venmo You verified your bank account! 
XXXX XXXXXXXX XXXX You can now transfer money to this bank account. 

This is the email I got today XX/XX/ stating they will NOT UNFREEZE my Account. 
See Email : XXXXXXXX XXXX ( Team Venmo ) XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 
Hello XXXX, My name is XXXX and your case has been escalated to me for further review. While we appreciate your interest in using Venmo, we are unable to confirm that you have direct access to the financial instruments on file with your Venmo account. Due to this we will not be able to unfreeze your Venmo account. If you wish that we review this case again, you will need to provide us with the previously requested information. You can submit that information using our Document Upload Form, linked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( If you have trouble following this link, try copying it and pasting it into your browser. ) Thank you for your understanding. XXXX XXXX XXXX. | Account Specialist | Venmo Venmo is a service of PayPal , Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have done everything that they have ask me to do to prove this is indeed my account and they are refusing to unfreeze my account so I can get my money. I believe I am being scammed and now afraid they are going to use my info I provided to them for other scams and use for identity fraud. Please help me to get this resolved. Thank you so much, XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

Payment made over minimum required was applied to 0 % APR instead of higher interest rates balances. Even after requesting the bank it was not corrected where as card agreement says any extra payment made more than minimum required will be applied towards higher interest rates balances first.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 I have purchased online an airline ticket from XXXX. The reference number is XXXX one-way flight on XX/XX/2022, from XXXX, XXXX to XXXX Florida XXXX for my son. Because of the chaos of war warnings etc. I have purchased XXXX failure insurance. In the process of paying over the phone, a XXXX Customer representative charged my Chase Credit card XXXX times the purchase price of {$950.00}. the amount of XXXX X XXXX = XXXX. I called the representative at XXXX XXXX the next day and asked them to remove XXXX of the charges, however, a few days later they did not remove them so I started a dispute with my Chase Credit Card. Eventually XXXX removed XXXX payments. Because of the war in XXXX, the flights from XXXX XXXX were cancelled and the Ticket was not used. 
I have called XXXXXXXX XXXX for the refund, however, they did not want to talk to me because ongoing Chase dispute. I have contacted Chase dispute service several times and they promised to resolve this issue. After multiple phone calls, faxing from their branch and emailing them documents they did not resolve the issue and enable me to talk to XXXX XXXX to get a refund. On XX/XX/2022, I have contacted the Chase dispute team and they made another promise to resolve the dispute, but today XXXX it was not resolved. Almost a year passed and I have left with an empty promise, a bill and without a ticket for my son to fly from XXXX and money to purchase another ticket. Please help because the Chase Credit card dispute department does not take my case seriously or is careless. 
Thank you
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (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.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

Hey, I was wondering someone using my credit without my knowledge. Ill try to get it squared away but is hurting my credit score everything own my credit file is incorrect an I need help dispute all the accounts of fraud I really need help I have kids I am mother of 6 children Im homeless living with friends an family members trying to have dream house Can someone please help my family XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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: Rocket Mortgage, LLC (TX)

REQUEST TO CEASE AND DESIST ALL THEFT BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KY XXXX Dear XXXX XXXX XXXX XXXX : We regret to inform you that your employment with XXXX XXXX  XXXX XXXX XXXX is being terminated, effective XX/XX/XXXX. 

You are being terminated for violation not limited to reasons of Perjury, Slander, Harassment, Insults, Briberies, Theft, Commercial Espionage, and Poor Performance. You Freely Entered Into A Signed Written Contract Between XXXX XXXX  XXXX And The Title Coordinator Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Department of Labor This Agreement Stipulated That You Not Solicit For A Period Of 1 Year Independently Or Through A Competitor Of Minority/Woman- Owned Businesses Enterprises Within The 50 States Of America. More Specifically, Your Non Disclosure Agreement States That You Will Refrain From Any Direct Or Indirect Perjury/Slander to obtain Contact With Current Employers, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With International Business Management That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For XXXX  XXXX XXXX. It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant And Have Been Soliciting Stolen Goods/Services From Consumers And/or Business Corporate Owners Of The Respondent ( s ). As You Are Aware, Soliciting Stolen Goods Or Services Of The Respondent ( s ) by way of perjury, grand theft, survivor fraud Is A State Felon Offense And A Direct Violation Of Employment You Agreed On XX/XX/XXXX, Thus You Are Interfering With The Arrangements Established Between The Surviving Defendant ( s ) And Its Customers Market and Commercial Affiliations. In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By The Department of Labor. You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Currency of Employer by Aggravated Theft of Wage Details, Employment Fraud, Power of Attorney, Social Security Fraud, Bank Fraud, Securities Fraud, Applicants, Employees, Vendors, Customers Or Any Other Individual Entity Maintaining A Safe Working Relationship With Public Works. Failure To Comply Will Result In The Obtainment Of A Writ of Execution Order In District Court Against Both Villas At XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NJ)

Was told I had a 90 day period to pay on my Auto loan. Car was repossessed on 77 day, I get my paycheck in 5 more days. I thought I was safe. Also I had XXXX twice which I told them, which made payment late. The people that has my car now are very rude, and teased me over the phone. Unprofessional!!!
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Credit Karma (FL)

My tax refund was deposited into a Credit Karma account, I have tried for two days to receive my money from them and they are telling me I'm only allowed to transfer {$1000.00} a day which puts me in a bad position as I need the money that is in my account, they are telling me repeatedly that they won't give it to me
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AP)

My wallet was stolen towards the end of XX/XX/2022. I was in a middle of a military mission stationed in XXXX XXXX so by the time I had computer access and phone access for a long enough time, I saw that my Discover Card had fraudulent charges on it. I opened up a dispute with Discover in XX/XX/2022 and they claim that there was no fraud. I reopened the investigation and sent them the military police report and they still claimed no fraud. I asked for more information, proof of investigation, or what else they will need from me to prove that I did not make those charges and they did not give me anything.
Consumer complaint received 2023-01-11
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. (SC)

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 and XXXX XXXX XXXX : XXXX  - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  - XXXX. 

12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Consumer complaint received 2023-01-11
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. ()

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 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this
Consumer complaint received 2023-02-01
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. (NM)

By the provisions of the Fair Credit Reporting Act, I am Submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX  XXXX Balance : $ XXXX I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I want to report regarding an business account with CITI BANK. I closed the account last 2014 but before the account was closed there was a wire transfer. I have a invoice that a transfer was given to my account. I called customer service couple of times and I filed a report with them. They said they no longer have information about that account and they told me to go to the branch to verify it. I went to the branch but I was told it might be unclaimed money. I don't know my rights about this problem and that is why I am reporting this to CFPB