davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (MD)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PR COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Consumer complaint received 2024-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (FL)

XXXX XXXX XXXX is has violated the following : Privacy Act of XXXX ( 5 U.S. Code 552a ) 15 U.S. Code 1681b 15 U.S. Code 1681c 15 U.S. Code 1681o 5 U.S. Code 1681n 5 U.S. Code 6805 12 CFR 1022.3 12 CFR 1016.1, 1016.4, 1016.7 Ford Motor Credit is currently violating the Security Exchange Act of XXXX. 

I am writing to you as a concerned investor in For Motor Credit and demand the immediate return of the securities and payments made as outlined in the agreement between the investors and the trustees. The purpose of this letter is to express my intent to file a lawsuit for securities fraud if the requested actions are not promptly addressed. 

unaware I entered into an agreement with Ford Motor Credit as an investor, wherein I entrusted my hard-earned funds and security to the trustees for the purpose of future financial gains. However, I have recently discovered substantial evidence suggesting fraudulent activities and mismanagement of funds by For Motor Credit and its trustees. 

The basis for my claim is as follows : XXXX. Securities Fraud : It has come to my attention that the securities I have invested in have been misrepresented, and false statements and promises were made regarding the financial performance and stability of Ford Motor Credit. These misrepresentations constitute securities fraud, a violation of federal securities laws. 

XXXX. Breach of Fiduciary Duty : As trustees, your primary duty is to act in the best interests of the investors. It is evident that this duty has been breached as a result of the mismanagement of funds and the failure to safeguard the interests of the investors. 

XXXX. Failure to Provide Adequate Disclosure : The trustees have failed to provide accurate and complete information regarding the financial health and prospects of Ford Motor Credit. This lack of disclosure has prevented investors from making informed decisions about their investments, further exacerbating the fraudulent nature of this scheme.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please remove all inquiries and inaccurate accounts from all bureaus listed on all three credit report because it does not belong to me. 

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 ) 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. 

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Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AR)

Today I received a Citi XXXX XXXX XXXX in the mail. XXXX not a XXXX account holder and I havent applied to be XXXX. I previously had a XXXX account, but I asked to close it some time ago. I called the number on the back of the new card and a recording stated they would not be able to assist me at that number until XX/XX/2024, more than a month in the future. Next, I tried calling a general Citi credit card customer service number. The person I spoke with told me I dont have a Citi account but they couldnt explain why I received the card with a letter indicating I have a credit limit available to me. They repeatedly told me to call the number on the back of the card despite me explaining that the recording on that line states the number is not available until XX/XX/XXXX. If someone has opened an account in my name, that I havent requested, I should not have to wait more than a XXXX  to speak to someone at Citi about that issue. Citi should not be opening accounts and sending new cards through the mail, if no one can tell me why this has happened.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WA)

I recieved a notice from ChimeXXXX XXXX  that my joint tax refund would not be released into my account until I provided verifying documents. I provided the documents and still have recieved no further information or a deposit. They have no problem with my or my husbands paychecks depositing or my student loans of financial aid refunds. But they refuse to release my tax return. They are holding $ XXXX of my money and refuse to process it or send it back to the IRS
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2024-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

My wife and I planned, as many do, to downsize our housing as we approach retirement. We moved from our large single-family home to a maintenance free townhouse. Given the hot housing market we decided to buy first and then sell. This process went well. We used our long-standing relationship with Chase bank to secure a temporary mortgage ( {$420000.00} ) to purchase the townhouse while selling our prior home. We were also required to establish an escrow of {$7500.00}, which was understandable. Our plan was to pay this off immediately upon the sale of our prior home. 

We purchased the townhouse on XX/XX/XXXX. No Issues. 

Our house sale took place on XX/XX/2024. The closing was scheduled for XXXXXXXX XXXX and our attorney confirmed its completion at XXXX XXXX. The title company confirmed the wire transfer to our Chase checking account ( {$690000.00} ) and the mortgage on the prior house ( {$150000.00} ) completed by XXXXXXXX XXXX. Neither of these were recorded at Chase until XXXX, XX/XX/XXXX. I initiate wires on behalf of my employer every week. I have never seen this level of delay. It cost us three days of additional interest. 

On XX/XX/2024, I walked into the bank in XXXX XXXX, Illinois to deposit the escrow refund check for {$7500.00}. I was told the check was stopped by the XXXX XXXX XXXX XXXX in place at Chase. No one could explain why. The Branch Manager made some calls and after quite a while I was offered to have the money wired into our account " within seven days ''. How is it even possible that a check written to us, from Chase, and being deposited by us into our Chase account, could not be deposited on that day? Or that the wire to fix the issue could not be immediate? 

I have questioned several of Chases employees, both at the local branch and at the corporate office, seeking an explanation of these events. I have been assured three times, by three separate people, that I would receive an answer to my questions. I have heard nothing. 

The only conclusion I can come to is that Chase is purposefully creating procedures to delay cash payouts to its customers to illegally maximize profits from a structured cash float plan.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I called after receiving. Text from capital one asking if i authorized a transaction. I reported the claim to the bank XXXX  told the representative i had my card with me. However i had a replacement card with the same numbers and lost the Actual card with the same numbers. I called the bank back and told them i lost my card that was active. The bank denied my claim saying a chip was used and they didnt have record of two calls that day. I spoke to a representative today XX/XX/XXXX and told him I however have the two calls on my phone records. I should not be responsible to pay for transactions that were not me and i was willing to even do police reports. I have proof of the two phone calls made to the bank. He said he doesnt have record of the calls but i do.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BREMER BANK, NATIONAL ASSOCIATION (MN)

The problem is Bremer Bank blocked my access to online banking for nearly a year because I use a VPN as personal XXXX XXXX. Every time I tried to log into online banking the website would tell me I had entered the wrong password, a lie. This would require I call the bank have them unlock my account, which was automatically locked when their trackers couldn't see my IP address, to get a temporary password and get the balance for the account in order to reset the password and access online banking. Once in the website times out and I have to go through the whole routine again. here 's the main issue, Bremer bank refused to admit they were causing the issue because they were blocking me from logging in. They never once mentioned it was because they block customers using VPN from accessing online banking
and insisted XXXX  times the problem was I had entered the wrong password although I told them I had cut and pasted the password from the last time I was forced to reset it, they'd just parrot I had entered the wrong password. 

In addition they absolutely refused to contact their IT people about it. I assume that was because they knew exactly what was happening and were refusing to tell me. Eventually they decided to close my account because I was a problem customer. They caused nearly a year of grief and much more when they closed the account rather than admit they were penalizing me for having personal security, destroying my only means of banking. 

Bremer Bank is guilty of withholding critical information from a customer, deliberately lying and trying to blame the customer for a situation they created, Also repeatedly insulting me by insisting the problem was caused because I was too XXXX  to be capable of typing a correct password a hundred times. This is the worst customer experience I have ever had dealing with any business in my XXXX XXXX. I finally discovered what was really happening doing online research after they closed my account and threw my finances into chaos I have yet to recover from. Had they simply told me the truth I could have turned the VPN off when accessing online banking, but they lied deliberately making things difficult for many months for a XXXXXXXX XXXX, long-time customer. 
My account number was XXXX.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (DC)

I live in XXXX XXXX XXXX My bank is Navy Federal Credit Union ( NFCU ) and its Bill Pay service appears to be through XXXX. There are several problems with NFCU 's Bill Pay. ( 1 ) It does not mail out paper checks so that they arrive in a timely manner on the date I requested. ( 2 ) It steals the money from my account before the check is deposited by the payee. ( 3 ) It often steals the money from my account before the check is even received by the payee. For example, last year I requested that it send {$500.00} to my church by a certain date ( viz., I donate to my church each month in the same manner, same amount ). However, this particular month NFCU 's Bill Pay apparently mislabeled the envelop so that the check never reached my church. Nevertheless, Bill Pay took the money from my account on the date I originally scheduled the payment. Eventually the envelop was returned to Bill Pay as undeliverable with the check still in it. Bill Pay eventually returned the money to my account after keeping it for over one month. I only found out about it in XXXX when my church sent me my charitable giving record. when I complained to the NFCU and Bill Pay demanding that money not be taken from my account until the check was deposited, they both responded as if their actions were common procedure and made no assurance it would not happen again. This year at the beginning of this month, I requested that Bill Pay send {$500.00} to my church by a certain date. On that date, Bill Pay took the money from my account. However, when I contacted my church to check if it received payment. They told me that they had not received the check. When I complained to NFCU and Bill Pay demanding that my money only be taken when the check was deposited, my money was returned to my account. Then two or three days later, my church informed me that they received my check. But when they attempted to deposit it, they were informed there was a " stop payment '' on the check. ( 4 ) Bill pay did not ask or inform me before putting a stop payment on the check. When I complained to NFCU and Bill Pay, they both responded as if it was their common practice and procedure and made no assurance it would not happen again.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/XXXX Wells Fargo closed our Business savings Account with approximately {$2000.00} in it. The reason stated because we did not verify our physical address. They said they sent up a letter to this effect months ago ( we never received it ) So no further notice either my mail, email, or phone call they closed our account. They ate now closing the rest of our accounts today also even though the physical address we changed after this mess yesterday. They said they sent us a cashiers check with the money from the closed account to the unverified physical address they were complaining about. No check has been received. This was the most unprofessional act a bank could have ever done. We have been account holders since XXXX when they were the XXXX XXXX  not even Wells Fargo. We have run approximately {$500000.00} through our small business last year. We were not important enough for them to call us or notify us in a better manner that insured we had gotten the notice than this. This was just garbage. They should be held accountable for the lack of care shown to us and our money. We lost time and money to get this straightened out. Wells Fargo... make this right..Any one else reading this..DONT BANK WITH THEM. We changed banks yesterday. 
You are a joke... XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/24, I received an email from 5/3 Bank regarding an unauthorized debit card transaction in the amount of {$300.00} by XXXX XXXX. I immediately contacted the XXXX number to report an unauthorized transaction and was put into the dispute area of 5/3 Bank. Today, I followed up because I was unable to access my online account on my phone app and was told by the representative that they don't know how long their investigation will take to place the {$300.00} back into my account for the unauthorized transaction. I have the debit card used ( XXXX ) in my possession and have never allowed anyone access to same. The debit card has been closed as of XX/XX/24.
Consumer complaint received 2024-01-16
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: JPMORGAN CHASE & CO. (WI)

All of my credit card balances are always paid in full, prior to the due date on my Chase Freedom card. The most recent statement period is from XX/XX/XXXX, XXXX XX/XX/XXXX. This period in question is then due XX/XX/XXXX. Please note I did pay the incorrect amount due already on XX/XX/XXXX to avoid fees. 
Chase is stating that my balance is XXXX However, I received a credit from Amazon for XXXX, which should have been deducted from this amount making the total due XXXX. The only purchases during this period were : XXXX, XXXX XXXX XXXX and the credit from Amazon for XXXX. It seems that given the balance they stated I owe of XXXX they did give me the credit of XXXX, but also included incorrectly added a second charge for XXXX which occurred on XXXX XXXX ( outside of the statement period ) in my balance. This second XXXX charge should be due on XX/XX/XXXX. When I messaged Chase several times on their secure messaging system, they responded with two explanations both of which did not address my concerns or how to escalate the issue.