davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2020, my wife and I opened an account with Wells Fargo based on their {$400.00} checking bonus promotion. I have attached screenshots and a PDF copy of the promotion that was advertised on XX/XX/2020. The promotion lays forth specific requirements for eligibility for the {$400.00} bonus. My wife and I have since met and exceeded the eligibility requirements yet we still have not received the promotional bonus. The bonus should have appeared in our account at the end of XXXX but we have not received it to date. I am happy to additional information regarding our situation at your request. 

On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX, reference number XXXX - which I received the following reply : " We researched your concerns in regard to the {$400.00} promotional bonus that did not post to your checking account ending in # # # #. At Wells Fargo, we pride ourselves on developing and maintaining quality financial relationships and strive to consistently deliver the exemplary service we know our customers deserve. It was difficult to learn that we have not met your expectations. Your comments are very important to us, as feedback is vital to providing stellar service. After a thorough review of your Wells Fargo XXXX XXXX account ending in # # # # our records show that your account did met promotion criteria based upon the direct deposit activity on the account. Your account has received a total of six deposits in the amount of $ XXXX totaling to $ XXXX within the 90 day period. As a courtesy, we have completed the incentive not received form for further review of your account. Once the form is reviewed and determined all the requirements were met, we will provide you with the promotions bonus. Your account will be credited within 10 business days. '' However, I still have not received the promotional bonus to our account nor have I been contacted by Wells Fargo regarding its status. I reached out to Wells Fargo customer service but they do not appear to know how to resolve this issue.
Consumer complaint received 2022-05-18
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. (AL)

XXXX XXXX XXXX account XXXX, XXXX account XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXXXXXX XXXX has a total of 7 different collects reporting to my credit file. I have no knowledge of this account. I havent had any sort of medical treatment since XXXX I have disputed these collections on numerous occasions and havent gotten any results. These charges have adversely caused me hardships, as Im unable to utilize my credit and provide for my family adequately.
Consumer complaint received 2022-05-18
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. (MO)

I have been i victim of identity theft and these companies are affecting my credit report. 

XXXX XXXX  credit card opened XX/XX/XXXX, balance {$540.00} The XXXX XXXX XXXX  balance {$0.00}, opened on XX/XX/XXXX. 

XXXX, balance {$0.00}, opened on XX/XX/XXXX XXXX XXXX XXXX XXXX {$95.00}, opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, balance {$1600.00}, opened on XX/XX/XXXX Complain has been filed at identitytheft.gov see attached file.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

On XXXX XXXX XXXX, at XXXX, Chime bank allowed someone to access my account without my knowledge or consent, and proceeded to wire {$5000.00} to an unknown email. The person who did this had a phone number from XXXX, XXXX. I immediately called the bank and filed a police report, disputed all charges, and submitted documentations to the bank as requested. They launched an investigation and tried to tell me that is was not fraud and that they would not be reimbursing me. This is illegal and wrong. They stole from my children. I can not give my children XXXX, food, or pay for bills currently. 

Please help me.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In a nut shell I was scammed by a loan company XXXX XXXX XXXX XXXX & they got into my checking account & reversed all the charges/Bill 's that I paid and they are saying they never received the payment. So now I'm getting phone calls, emails & text from all these people wanting their money.Meanwhile all the reversed money is sitting in my account, & they won't let me take it until they investigate. I was the victim of fraud and now I can't get my money & they closed my acct. I had to go & get another bank go through all the changes that goes along when something like this happens but it's not right. I DID NOT do anything wrong. The name of the bank is J.P.MORGAN CHASE. So that's basically it. I had to borrow money from a friend to pay some Bill 's & to eat. So it's not only the loan company that XXXX XXXX XXXX me the bank did as well. I really hope you understood all this & you can help me. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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: SYNCHRONY FINANCIAL (IL)

As My last Report XXXX is still reporting my information inaccurate after I made a complaint through you before. The information is different between the XXXX and XXXX. This is a violation of my Rights according to the FCRA. My report has to be 100 % correct.
Consumer complaint received 2022-12-07
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. (AL)

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. 
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 : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXX XXXX # XXXX, Account name : The bank of XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name 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., Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

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.

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 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/2022 to XXXX XXXX Someone hacked, Spoofed, Pirated, Accessed my Wifi to get into my phone to Access my Wells Fargo Bank Account. Once this scammer Accessed my Wells Fargo Bank Account they made 36 Unauthorized XXXX Money Transfers to another account totaling {$5000.00}. I reported this Unauthorized activity to Wells Fargo Fraud Department. But Wells Fargo did nothing. Wells Fargo didn't even contact XXXX. From the start I told Wells Fargo that I did all my banking from my phone and my phone had to have been hacked. All Wells Fargo could tell me was that the transfers came from my phone, and that I made the Transfers. I tried to explain that when your phone is hacked and a scammer steals your funds, the scammer has taken over your phone so yes it will show that the transfers was made from my phone. But Rather than do their job and investigate, Wells Fargo seems to think I did this. I did not authorize these transfers, I did not authorize anyone else to do this. I have no idea who did this. I want my funds {$5000.00} returned to my account. I have hired a law firm to represent me and Wells Fargo has already been served the Legal paperwork to start the Legal Process. I have also Filed a official Fraud Complaint with the Indiana attorney general 's office. I have also Filed a complaint with the XXXX XXXX XXXX.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.
Consumer complaint received 2022-05-18
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. (PA)

In accordance with the fair credit Equifax, XXXX and XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (OH)

In XXXX of XXXX I tried to open an account with discover bank. I downloaded the app on XX/XX/XXXX and recieved a message that just said no due to security freeze. It did not state why or provide details on how to review the decline. I don't have a security freeze on any of the three credit companies nor at XXXX XXXX XXXX. 
The online site stated that due to safety concerns they would not open the account. 
I have tried numerous times and yet it still will not function or let me open an account.
Consumer complaint received 2022-05-18
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 2022-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I received the California XXXX XXXX XXXX Relief on XXXX thru a Visa Debit card issued by Money Network XXXX XXXX. I activated the card on XXXX by registering with Money Network Financial LLC. On the XXXX I was denied a transaction at a local store for XXXX Funds, at that point in time I should have had approximately {$850.00} in the account, so I took a look at my account history and that is when I discovered the unauthorized ATM withdrawals ( XXXX for {$500.00} and XXXX for {$200.00} plus two separate {$1.00} service fees ) the first one in XXXX XXXX. and the second one in XXXX XXXX. So, I started to look at this situation and I noticed that on XXXX I made a purchase at a grocery store in XXXXXXXX XXXX for the amount of {$67.00} @ XXXX and at XXXX the unauthorized ATM withdrawal was made, that is XXXX  minutes and XXXX seconds between transactions, that is physically impossible to do nobody can drive from the grocery store put your groceries in the car and drive to the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX min and XXXX sec. I drove the XXXX routes and best I could do was XXXX minutes XXXX seconds and customer service told me that the unauthorized transaction was at XXXX XXXX XXXX XXXX XXXX XXXXnd for the {$200.00} unauthorized ATM withdrawal it shows it was made in XXXX XXXX. I have not been to XXXX XXXX in over 4 months. The Debit card has not left my possession ever. I have communicated with Money Network customer service over 16 times by telephone 2 by Priority Mail XXXX and 6 separate emails, customer service has hung up the phone on me 3 times put on hold for hours on end. When I called on XXXX Money Network customer service said the case was closed but they couldn't tell me anything else and to call back in 3 or 4 days, I called Money Network on XXXX the case was denied because the pin was used and there was not any money dispensed. That was never claimed as the problem to start with, I don't know where they came up with that. I asked for a copy of the material that was used in the investigation and an appeal form, I was told they didn't have to do any of that. I just want my money back. {$700.00} I was looking over the contract between XXXX. XXXX XXXX XXXX and Money Network LLC. and it's easy reading and in my opinion Money Network is not being fair to the consumer on error resolution.
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (IL)

My lawyer and I sent forms to guaranteed rate to apply forebearance last XX/XX/2022 and recieved two letters in mail from them stating they had recieved XXXX XXXX regarding to my forebearance application and sent to loss mitigation dept for farther review. I kept calling through XXXX XXXX XXXX because I'm XXXX  and they gave me runaround for four months. I kept calling and calling then I called last week XX/XX/XXXX and they said there's no file of any kind but only hardship letter from me. My lawyer called them and was told it was sent to proccessing dept and they found the file on XX/XX/XXXX. Lawyer was told the supervisor will contact me by email within 48 hours because its the best way to communicate because I'm deaf. I haven't gotten any email from the supervisor, Not a word from them and TODAY XX/XX/XXXX I called them through deaf relay service and spoke to someone at loss mitigation dept and they said my file, my forebearance application has NOT been reviewed. I asked to speak to the supervisor. They put me on hold more than 30 minutes and got disconnected. Im in a real bad financial situation. Because they took so long since XXXX and kept stalling and not doing thier job fast enough and they are very sloppy with the process of my application by not knowing where it went or whom to talk to or not responding me with correct answers or even any kind of confirmation of my forebearance application. Im extremely upset they took so long and being shut out because I'm XXXX Or what. I do not know. I want to report complaint against my mortgage company for the lack of respect to XXXX XXXX  man, by giving me a runaround, not to doing thier job in timely fashion. They failed to do so within the time limit required by the law
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/1987 My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX My employer is : XXXX Insulation Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

Received letter from Wells Fargo on XX/XX/2022 regarding their 'Stop Payment ' policy. To put it in the vernacular of the 'common citizen ', Wells Fargo 's 'policy ' sucks AND their Branch Training is lacking! We were verbally told by the Branch Banker ( who was 'training ' a new Banker ) that after 180 days the check wouldn't be cashed, so 180 days was sufficient for the Stop Payment. THIS WAS NOT TRUE. 

Federal law does NOT require that a check be paid if it is older than 180 days. 

Wells Fargo CHOOSES to allow itself to PAY a 'Stop Payment ' check if the Stop Payment is 180 days old. This is basically CYA at the expense of the Customer. 

Wells Fargo says that the account holder would have to remember to re-initiate the XXXXStop Payment ' before the 180 days expires AND possibly pay another fee! This 're-up ' of the Stop Payment and possibly paying another fee could go on FOREVER the way the policy reads unless the Customer cancelled the account!

Wells Fargo 'policy ' is NOT in the Consumer 's best interest. IF a check
has a 'Stop Payment ' on it, then that check should NEVER be paid out, and if presented, should be confiscated and returned to the account holder.

I've banked at Wells Fargo and their predecessor, XXXX XXXX, for over 50 years, and have had to 'stop payment ' only XXXX-4 times in my lifetime.

The " Stop Payment '' that I requested 'Back in the Day ' would stop the payment until the check went 'stale ' after 180 days. After the 180 days, the check wasn't any good anyway, effectively killing the check.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (UT)

I applied online for a new Chase XXXX XXXX XXXX XXXX account on XX/XX/2022. On XX/XX/2022 a denial letter was written by Chase. It was based on the following reasons 1 ) Delinquency or other derogatory relationship with our bank 2 ) Insufficient balance in deposit and investment accounts with us XXXX ) One or more credit cards have a high balance compared to the credit line 4 ) Total available credit on credit cards is too low My itemized complaints : Line 1 can not be true and factual since I have never had an account with Chase. 
Line 2 can not be applied because this credit card is designed for balance transfers and there was nothing in writing on the application webpage about having an existing account with Chase and a balance in deposit and investment accounts.

Line 3 the balance transfer would have significantly dropped the high balance to the credit line. I have money owed to me that will be applied to the balances.

Line 4 getting a Chase credit card will increase the available credit I asked for a detailed explanation for lines 1 and 2 over the phone to a Chase CSR and all I have received is this ambiguous explanation of denial