davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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: WELLS FARGO & COMPANY (FL)

This complaint is about Wells Fargo XXXX XXXX XXXX, related to, but not connected directly to my interactions with XXXX XXXX. Today, XX/XX/year> I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, FL XXXX, to confirm with the assistant vice President, XXXX XXXX, that I had come into the branch on XX/XX/year> to report purchases of gift cards, which I then turned into the police and filed a report with XXXX XXXX XXXX, XXXX Police Department, Case XXXX, giving the gift cards to them as evidence. An XXXX XXXX ID XXXX XXXX took them. XXXX Police Department, XXXX XXXX XXXX XXXX, XXXX FL XXXX. It was my understanding with XXXX XXXX at Wells Fargo that the transactions hadn't gone through, that he cancelled both my cards with them and I thought that was the end of it. This has not turned out to be true and the Wells Fargo credit card people were telling me that experience didn't happen, so I confirmed it by making an appt with him at XXXX XXXX. I talked to him for a half hour and followed through on his suggestion to talk to the merchant. I now have an appointment on XX/XX/year> where the merchant manager said we could go over everything. I will be filing more complete complaints about Wells Fargo, but this complaint is singular and about the fact that Wells Fargo is being unreasonable about how they resolve situations. After I made the appt with the store manager, I tried calling the XXXX branch 3 times and was put on hold XXXX with no response. I wanted to thank XXXX XXXX for the information. Try number XXXX landed me in customer service being transferred to an " escalated '' representative although all I was trying to do was thank XXXX XXXX. Ended up talking about a little of everything with XXXX at around XXXX - XXXX XXXX. Here is what is unreasonable. XXXX reopened the case, giving me the number XXXX. She told me to wait for their response before sending in hard copies of records and supporting documentation. Then she added, and here is my complaint about Wells Fargo being unreasonable, that I could reopen the discussion or dispute, as they call it, as many times as I like, Wells Fargo 's response will always be the same as they feel they satisfied all of their requirements. That they would just continue to say the same thing. This is in direct contradiction to their Code Of Ethics or Conduct More importantly, it's unreasonable. This word as well as this complaint comes at the suggestion of XXXX at XXXXXXXX XXXX  XX/XX/year> at the Fl State Attorneys Office, Consumer Division.
Consumer complaint received 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Chime Financial Inc (WA)

On XX/XX/XXXX I attempted an ATM withdraw for {$200.00} from an XXXX atm at XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX. I got a message " balance unavailable '' and no money was dispersed. Upon looking at my online account I notice the {$200.00} charge as pending. So with my last money I attempted to get {$10.00} cash back and at that time I was charge twice by XX/XX/XXXX ( XXXX XXXX ). I immediately called Chime and they said that they can't do anything about it. It's very frustrating because I have no other money. It's created a real hardship. This has happened now 3 times to me.
Consumer complaint received 2024-10-28
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: FIRST NATIONAL BANK OF OMAHA (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX College in XXXX KS was shut down due to misconduct and fraudulent activities within their organization. I feel they lured students in to profit off individuals looking to better them self. I have filed for the Borrowers Defense application process to have my loans discharged. The negative impact that it is having on my credit report is major and I continue to get no answers as to when a decision will be made from the Department of Education. XXXX the lender is impossible to get in contact with to follow up with the process. As well as the Department of Education. I do not feel I am responsible for said loans as I was lied to and preyed upon as many other were.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My spouse deposited a check from her Chase bank account into my Chase bank account. Chase Bank believed that the check should be put under scrutiny and restricted my account despite allowing the deposit to go through.

Money has essentially gone from one chase account to another, except now that money can not be accessed whatsover.

I have contacted Chase customer service 3 times to get the account restriction lifted, but Chase ' Fraud Department said they need to contact my spouse to confirm the check deposited was legitimate.

However, Chase ' fraud department is unwilling to contact my spouse to confirm this simply because her phone number is listed as " Unverified ''. They have explained that there is no way around this and that they are unable to call no matter what unless her number is verified. They have not offered any explanation as to what a " Verified Number '' is.

They have confirmed there is no way for her to reach out from her end to Chase to confirm the legitimacy of the check, as the account restriction and check scrutiny only applies to my account. 

Chase is essentially using obtuse methods and confusing terminology to hold my money ransom.

I urge ANYONE to use a banking service other than Chase for their needs. Chase, and by extension, J.P. Morgan will in bad faith hold your funds hostage for arbitrary reasons.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received two letters in the mail, one from XXXX and a second letter from XXXX XXXX, both were dated XX/XX/year>. The letter from XXXX indicated concern about someone using my personal information fraudulently and declined an application because of this. The second letter from XXXX XXXX indicated that they were not able to approve a credit card account for several reasons ; too many inquiries, ration of credit bureau trades with balance greater than XXXX, and number of revolving bankcards reported by credit bureau. 

I called XXXX and they reported that an inquiry was made to Citizens Bank on XX/XX/year> but that a credit card was not approved.

I want to report that someone is fraudulently using my information to attempt to open credit cards with Citizens
Bank, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc. (CA)

Revolut has hired the most immature and terrible people to handle their support. The phone number is XXXX based but the customer support line is American women being rude. I have attempted to verify by photo identification, government issued ID, and password. They refuse to help me and are terribly catty. I need to access my account and request a new debt card
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra ()

HI please cross refer to cases XXXX and XXXX ABRA have said that I need to change jurisdiction however they have not said how to do that as I also live in XXXX, they have told me to use XXXX however this does not show you how to do it They are being really evasive on how I can retrieve my bitcoin. Please leave this case open until they provide exact instruction on how to do this and allow me some time to check that their instructions actually work
Consumer complaint received 2024-09-30
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (NC)

I noticed some inaccuracies on my credit report that fall under the jurisdiction of 15 USC 16c-2. These errors are impacting my creditworthiness, and I have not given permission for any of the inquiries.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2023-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (FL)

They refuse to send me a monthly bill/statement either electronically or by mail. Then when I don't pay they have charged interest that they refuse to remove. I am a senior citizen and this purchase was to buy hearing aids on an interest-waived installment plan.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NV)

Cash App kept {$170.00} from a gas purchase at a XXXX  gas station 2 days ago. On Wednesday XX/XX/year>. I get gas using this card 3-4 times a week and they have never kept my money. I never have kept an additional {$170.00} on this card until this day. If the required me to have {$170.00} everytime I got gas I would understand. But because I dont keep that much money they allow me to use the card without a {$170.00} deposit. On this day I stopped for gas on my way to pay a bill. The app says to call the business if you have a problem. I did that and they explained to me that they already charged me for the gas and released the {$170.00}. They also told me if I am missing {$170.00} its because of cash app. So I called cash app. They told me once again it was shell gas that was keeping my money. I then told them XXXX provided me with a receipt. Cash app representative then said they have permission to keep my money for 5 days. Its theft. They collect interest on my money. While Im being charged fees from other companies because they decided to steal from me. Them keeping my money was unexpected and has caused me to have late fees, reconnection fees and no money for 2 full days. They said they can keep it for 5 days. Like I said if they did it everytime I would xzbe expecting it and would have known better than to use the card for gas. They have managed to keep my money leaving me completely broke and its something that needs to be addressed since they dont do it everytime I get gas. If they are going to steal peoples money it needs to be consistent. People on a set amount of money can not afford cash app to steal their money even if its for 5 days. They allowed my data to be breached then stole my money and they need to be stopped.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3900.00}
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

EPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (MD)

Hi Equifax, I just pay for a credit report and I saw those fraud inquiries that I do not know about and shall delete from my credit report. 

Those inquiries below are fraud XXXX XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year>
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Alorica Inc. (TX)

Everytime I call to get an explanation of the payment I get hung up on. The automated system is telling me that I owe an amount that I know I have paid off already, my account has been getting debited for over a year now.