davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have XXXX accounts reported as delinquent from XXXX XXXX  on Chex systems the account has been reported as closed on XX/XX/XXXX For both accounts So after speaking with Chex systems I was informed that these accounts will fall off from Chex systems on XX/XX/XXXX since it was date reported as closed on their end and their policy states that account reported stays on file for 5 years from DATE REPORTED But according to FCRA statute of limitations For removal of negative information starts from the DATE THE ACCOUNT FIRST BECAME DELIQUENT And this account went delinquent 3 months which is 90 days prior it was closed and/or reported So Chex systems is in violation of FCRA and consumer rights and this practice is unfair and going on for years and its about the time to hold them accountable Id request them to either update the information or delete from my life because as a consumer Im entitled to incorrect information to be deleted from my account I have attached information from FCRA so Chex systems can refer to it
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/year>, Capital One decided to lock my checking account which had over {$XXXX} in it. I called and they said they were closing my account and I would receive a check in the mail. The next day, I received an email stating that my account was not closed and that it was being investigated. I called back and asked how long the investigation would take and they told me they did not have a turnaround time. From the day I activated my debit card, which is attached to that checking account, to the day they decided to investigate it, it had only been XXXX calendar days. I had only had XXXX XXXX   transactions with the largest XXXX  transaction being from my husband. The other XXXX were from friends.
Consumer complaint received 2024-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

My loan was transferred to Shellpoint XXXX. I am a XXXX XXXX and understand they have 60-days to onboard new loans. They sent me XXXX conflicting bills. XXXX for {$240.00} and XXXX for {$1000.00}, both due XXXX. I paid BOTH on XX/XX/XXXX. As of today XX/XX/XXXX, they still have not applied all of my payment amounts to my principal. They applied the {$240.00} to the required payment. On XX/XX/XXXX, they applied {$810.00} to principal, but not as of XX/XX/XXXX. AND XXXX XXXX, but the other {$240.00} paid has not been applied AND they are not applying as of the date paid. I spoke to XXXX at Shellpoint today, she opened a second ticket- task XXXX ( my first request was marked resolved but it was not ). She explained " I do not advise you to make payments for than your payment due because our system doesn't know what to do with it. It will either apply to all interest, principle OR unapplied, which sits there until ( the borrower ) calls in. '' OR she explained when the next payment is due, it may take that from unapplied. WHAT? Their entire job is to collect and apply payments. How can the " system not know what to do ''? She told me if I want to make additional principal payments, I should make them separately. 

While I appreciate the advise, this timeline and the explanation and efforts are unacceptable. To compound matters, my best-friend who is also CA Real Estate licensed is helping her elderly Dad ( XXXX XXXX XXXX XXXX with Shellpoint ( XXXX ) on his HELOC over crediting his payments. So I am aware this is not just happening to me.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> an unauthorized third party gained access to my account and used XXXX to steal all the money in my account, which at the time was {$3200.00}. I noticed immediately because I got push notifications to my phone about the new XXXX recipients being added and the transfers being made. I called the bank and reported the fraudulent transactions within XXXX minutes. After several days, I received a letter from the bank that they had denied my claim. On XX/XX/year> I faxed an appeal letter to the bank at the fax number they provided me XXXX and referenced my claim number XXXX. In my appeal letter I asked them to review the login location and devices again and they would be able to clearly determine it wasn't me that was accessing the account.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MS)

I was told that my co-signer could be released from my loans if I made 12 consecutive payments, now Im being told I have to show proof that Ive XXXX  from the XXXX. I also did an application from the loans to be discharged or forgiven when XXXX had it approve through courts and I still havent heard anything back from that. Some of the loans was charged even when I withdrew from the XXXX  because of personal matters. My private loans are getting paid and interest is still adding to them.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This is a debt from XXXX  XXXX its been in their office since XXXX. I wasnt even calling about that didnt even know it was in their office that long until now. I was referring to a different account that I paid in full since XXXX. I got an email about the credit card account being locked when I havent used that company since XXXX. I called today and told the agent to stop all contact about the debt because it pass the law limit to get sued or even to collect. I want them to stop sending me anything about it. They already charged it off and its not on my credit. Im not paying on something thats been in debt that long when I wont be able to get the credit card again.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (GA)

My identity was compromised because of the XXXX  data breach and the millions of Americans who identity was stolen from the XXXX data base account XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE ALL COMPROMISED ACCOUNTS. THESE ACCOUNTS ARE NOT MINES THEY HAVE BEEN CAUSING MY LIFE STRESS AND VERY PAINFUL TO BARE, THIS IS ILLEGALY AND I SHOULD NOT BE LIABLE FOR THESE ACCOUNTS
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

I met with XXXX XXXX XXXX XX/XX/year> regarding a letter that US Bank sent me stating they have information that leads them to believe the check may not be paid. XXXX verbally told me that a check I deposited did not clear in my business banking account and that US Bank would try to pull the funds again. She stated that I was not made aware of this hold initially because I made my deposit at the branch 's ATM, which she stated was a separate department that the branch could not override. She provided a phone number to call and stated there was nothing else the branch could do. 

I then called the fraud department and they told me that the funds were on a pledge hold and only a branch manager could remove it. They stated that the hold was initiated by US Bank 's branch manager and that their department could not override what the branch manager did. 

Funds were made available from the deposited check and then removed causing an overdraft as well as the actual available accounting of funds to be incorrect. I called the vendor and he took a picture of his account transactions and sent it to me to confirm funds were taken from his account. The vendor also offered to have his bank contact US Bank to clear up any misunderstanding. 

I then returned to the bank and asked to speak with the branch manager as advised by customer service who was the same lady I spoke with today XXXX ( XXXX XXXX ) A teller approached me and said she had no appointments available until XX/XX/year>, when 20 minutes prior she met with us without any appointment. I stayed pleasant during this entire process, I just wanted to understand why the Branch Manager was dishonest in telling me a check could not be funded, and when they tried to pull funds, no funds were available. I believe that US Bank removed funds to overdraft my account and make more money for the bank. I never had any bounced checks, all my deposits have cleared in the past and the payee submitted an image that funds were pulled on their end. The branch manager and US Bank were completely unwilling to expedite this issue and complete the necessary steps to solve this issue that they created. I'm in the middle of construction and I can not pay my contractors due to these issues. The branch manager completely avoided me and the tellers refused to tell me who their manager was. My business which is based in the same community as US Bank and my business partners are suffering, while US Bank sits and profits. I need to know what information they have that leads them to believe that the check will not be paid. Also, each day my contractors go without payment, thus US Bank should be responsible for my loss of income, as they can't furnish proof. I worked with XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TN)

I previously disputed amount owed. The company erased full payment history and updated false closing date. The closing date is now updated to XXXX, 5 years after the actual closing date and return of the vehicle. The vehicle in question was returned in XX/XX/XXXX. I was told the account would be closed that day and sent to collections. The company erased payment history from XXXX to XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MD)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo charges exorbitant overdraft fees per item. I have asked Wells Fargo on numerous occasions to remove the overdraft protection from my account and was advised by an agent that I should just cancel all of my automatic payments because they cant control which one will get paid or declined. Had Wells Fargo actually completed my request I would not still be receiving numerous fees of {$35.00} each. just this week alone I have been charged {$100.00} in fees and a total of {$420.00} for the first 9 months of the year.
Consumer complaint received 2023-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION (FL)

Was fraudulently charged to card ending in XXXX for purchase from XXXX on XX/XX/year> XXXX. I had called on phone and spoke with representative who said he would look into it but he never did.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I was working at a XXXX XXXX and XXXX guys came in to use the service. After completing the service, around XXXX they said they would pay via XXXX and mentioned that the transaction could only be done by sending a request to their phone number. After I unlocked my phone and logged in, they snatched my phone and made a {$XXXX} transaction. Then they even punched me in the face to escape. I immediately reported this to Chase Bank afterward. Chase refunded the money to me on XX/XX/XXXX, but they took it back again on XX/XX/XXXX. I tried contacting Chase again, but the reason they refused to return the money was that I had initiated the transaction and used the fingerprint feature on my phone. Of course, I did that, but they took my phone and committed the crime afterward ( they don't stole my phone, i still able have it back ). I have a police report and videos of the entire incident, but Chase still denied refunded the money to me.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

I've had a cash app account for years with my legal name and banking information attached. 

XX/XX/XXXX I received a cash app XXXX XXXX in my full legal name, attached to an account ( also in my full legal name ) that was not mine. I reached out in app to cash app support, and reported the fraud attaching images of the card. They did not reach out to confirm identity theft until XX/XX/XXXX ; and it took them until XX/XX/XXXX to verify my identity to confirm it had been compromised. 

I requested on the XXXX for confirmation that my SSN had been compromised, and for information on which credit reporting agency actually allowed the opening of a cash app debit XXXX  with their XXXXXXXX XXXX XXXX, as my credit with

the 3 major agencies has been frozen for months. Cash app support has refused to elaborate on which agency a
pproved the card.
Consumer complaint received 2024-09-06
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: CITIBANK, N.A. (TX)

See attached. Please contact the companies directly XXXX XXXX on XXXX  behalf and XXXX XXXX via their contact seen below. I provided all you asked and you guys closed the cases/reversed the balance or something to make me double my limit with 0 regard to the companies agreeing with me.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I opened a BMO XXXX XXXXXXXX XXXX XXXX Account this month. I recently made a deposit of XXXX and want to transfer another roughly XXXX into the BMO Alto Account. 

While the XXXX transfer was pending I tried to transfer the XXXX to my bank. But this triggered " XXXX XXXX '' and XXXX froze all funds out of ( but, conveniently, not going out of ) my account. 

BMO Alto XXXX XXXX XXXX then requested numerous documents : my bank account statement ( BoA ), my other high-yield savings account statement ( XXXX  ) -- both of which have been verified by deposits both from and to BMO Alto -- and my driver 's license. 

I also can not now sign in to the account at all due to the freeze. 

This is ridiculous. I want to close this account with BMO Alto immediately! and get my money back!
Consumer complaint received 2024-09-18
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: BARCLAYS BANK DELAWARE (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (VA)

On XX/XX/XXXX I contacted IQ Data International and spoke with XXXX in reference to this collection and trying to find out what it is from, I am aware of the company but not the charges, I have no bills or detailed statements, etc. that explain this amount or anything to that nature, in turn I offered what funds I have/had available to try and correct this matter, This XXXX has been unhelpful and aggressive telling me to " get a grasp on the reality of the situation and to take it or leave it. When I asked to speak with another person that would be able to handle this matter in a more civil and professional manner she out right refused to transfer me or let me speak to another professional that would be able to refrain from the unprofessional verbiage. 
With this happening once again when I called again today XX/XX/XXXX to try and find out what this charge is from and to try and find a resolution to the matter. 
Again, I was refused to be transferred to another individual.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/year> went to purchase a XXXX XXXX from the Apple XXXX  in XXXXXXXX XXXX. The Apple XXXX XXXX advised that I should open an Apple Card so that I could get discounts. He set up application via my phone. I purchased the XXXX XXXX and later returned it within the return period on XX/XX/year>. The Apple rep said the account was credited. Over two months later I get alerts from my credit bureaus that I am delinquent on the Goldman Sachs / Apple Card. I immediately contact Goldman Sachs on XX/XX/year> and they say that I received Apple XXXX  because of the purchase I made but there was a balance on the card because of the Apple XXXX  they credited me. I advised that I never got a statement stating this. They spent over 30 minutes trying to rectify a credit in Apple XXXX  in my wallet ( which I never used or saw ) and a balance on the card ( which I also never saw ) and they needed technical support to move the credit to pay my Apple card balance. I told the Goldman Sachs / Apple rep that I want this lateness removed from my credit bureaus. I never have received any notifications from Goldman Sachs, no statements, phone calls nothing. She said she would submit paperwork on my behalf. I never heard back. I contacted the XXXX  and they are still working on the case # XXXX since XX/XX/year>. I just want the negative reporting to be removed from my credit bureaus. I had a score of XXXX and now this blemish has dropped me to XXXX which impacts my credit worthiness.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXXXXXX XXXX  and XXXX XXXX. 
Fraudulent Bank Account Information on My File I am writing to demand that you immediately investigate and correct fraudulent information on my ChexSystems file, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
I have discovered that your agency has reported a fraudulent bank account associated with my identity, which I did not open or authorize. This is a clear violation of my rights under the FCRA. I demand that you : 1. Immediately investigate this fraudulent activity 2. Remove all associated accounts and information from my file 3. Provide me with a corrected copy of my consumer report 4. Take steps to prevent future fraudulent activity on my file Failure to comply with this demand within 30 days will result in further action, pursuing legal remedies under 15 U.S.C. 1681n. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

I had a previously opened case with the CFPB in regards to a XXXX check deposited into my account, that was not only improperly deposited by the branch manager, but also marked as fraudulent. It was a life insurance claim written over to me by my father, from my passing mother.

In the response I received from Chase, I was told to open up an Estate account, after visiting a branch to do so, I was infomed by not only executive offices, but the fraud team that despite this being an option provided to me, neither could guarantee that my funds would be released to me. As my father isnt the one who is dead, but my mother is. The check is not made payable to my mother. 

I have also provided evidence that the phone number i have provided multiple times is by no mistake, registered to my father, Through the XXXX XXXX. I have attached documentation and photos proving that. 

XXXX has been assigned my case and has not been helpful at all. It does not feel as if she even knows what should be done, or what the definitive answer is despite the response being told to my be Chase themselves. 

My case # with XXXX is XXXX My Savings Account # ends in XXXX My Checking Account # ends in XXXX My previous case numbers with the CFPB are XXXX XXXX