davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (OH)

I have open accounts in my name that someone took out loans in my name that dropped my XXXX XXXX a lot. XXXX of them is called XXXXmariner finance LLC the amount is {$1500.00} date XXXX another XXXXXXXX XXXX XXXX XXXXhe amount of this is {$3000.00} the date XX/XX/year> next one is XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX  an wrong spelling of my name I really need help disputing these on my Credit reports I been wit my Credit Union for XXXX never step outside of Banking with other banks an taking out XXXX
Consumer complaint received 2024-08-09
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: SYNCHRONY FINANCIAL (NY)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 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 2024-08-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CapitalOne has sent me this email regarding all my accounts : Weve had to close your Capital One Credit Card account account ending in XXXX for the following reason based on Capital Ones account opening and ongoing due diligence : Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence Please note that all future charges will be declined so you should stop using this card immediately. You should also stop any monthly automatic payments you may have set up on this account. 

All my attempts to find out the reason went south- they didn't provided me any details about their decision. My credit card transactions ( only account I had with them was only related to few XXXX purchases and couple stays in hotel and my dog 's daycare. There was NO abnosrmal transactions or any issues I had with any of my CapitaXXXXOne Accounts
Consumer complaint received 2024-08-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX President of Sales XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Subject : Complaint Regarding Fraudulent Transaction and Mishandling by Wells Fargo Dear CFPB, I am writing to formally lodge a complaint against Wells Fargo on behalf of XXXX XXXX XXXX XXXX regarding a fraudulent transaction and subsequent mishandling of our claim. 

On XX/XX/year>, a fraudulent transaction of {$8300.00} occurred on our Wells Fargo Business Checking account. We immediately noticed this unauthorized transaction and contacted Wells Fargo customer service for assistance. 

However, the banker we spoke to over the phone provided misinformation by stating that a claim for a business account must be filed in-branch and can not be handled over the phone after hours. This incorrect guidance led to us missing the crucial 24-hour window for filing a claim, as per Wells Fargo 's policy. 

This experience has been extremely frustrating and distressing for us. The loss of {$8300.00} is significant and something we can not afford. We rely on Wells Fargo to safeguard our financial assets and to provide accurate and timely assistance in such critical situations. The bank 's failure to properly address our urgent need has caused undue hardship and financial strain on our business. 

We kindly request the Consumer Financial Protection Bureau to investigate this matter and assist us in resolving this issue with Wells Fargo. We believe the bank should be held accountable for the misinformation provided and the subsequent financial loss we have suffered. 

We appreciate your prompt attention to this complaint and look forward to a resolution that ensures such an incident does not recur, safeguarding other businesses from similar experiences. 

Sincerely, XXXX XXXX XXXX President of Sales XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-08-06
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: Experian Information Solutions Inc. (GA)

I noticed unauthorized and fraudulent inquiries on my credit report made by the following companies : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
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: Resurgent Capital Services L.P. (MI)

15 USC 1681B in according to the fair credit report this creditor rays violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 6048 section 2 also states reporting agencies can not furnish without my written consent
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NC)

I have contacted the company plenty of times, and they said if I continue to reach out, the removal time will be reset. I have written XXXX on the removal of the XXXX Auto Loan with account # XXXX open on XX/XX/2015 to be removed from the credit report, requesting an investigation in this matter and deleting or correcting the disputed information as soon as possible. 
9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL.

You must provide me with copies of the legal notices of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this notification, the alleged claim can be considered a violation of FDCPA.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (CA)

Chime is refusing to mail closure check for a refund sent to a closed account. The refund was sent to a closed credit card builder account. They are claiming the account is delinquent however their supervisor XXXX confirmed it is not past due as their credit card wont approve charges if the balance is {$0.00}. 
Chime has been allowing regular employees impersonate supervisors, telling me to keep calling back Monday, telling me Ill receive an email, and there has been no progress since XX/XX/year>. Even at certain points providing me fake tracking numbers in chat. The ticket number that seemed promising with the supervisor XXXX is # XXXX the XXXX # for the fund : # XXXX sent to the closed account ending in ( XXXX ) in the amount of {$49.00}. 
And the worse part is they hang up on me continuously.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (MS)

I was traveling back from Arizona and got an alert that my balance was below a certain amount. When I checked my account someone had used my credit card and sent XXXX dollars to someone from Zelle. I disputed it through my bank and XXXX denied it. I also called Zelle and they can't track the information using my credit card because that's not the one on file. I haven't used Zelle in 10 years. There has got to be a way to track how someone went into my account and sent someone XXXX from Arizona. I still had my card in my possession and only used it at 3 places in Arizona
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/24 I requested SPECIFIC information from LVNV Funding, XXXX, which was not answered in a timely manner. On XX/XX//24 I filed a complaint with the CFPB regarding my concerns. On XX/XX//24 LVNV responded, however it was not the information I SPECIFICALLY requested. I am now requesting SPECIFIC information from LVNV Funding, LLC that I have addressed to their Registered XXXX XXXX XXXX XXXX, in an attempt to receive the SPECIFIC information, I am requesting, prior to any future actions.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

In early XXXX, I deposited two checks into my account. One of them was {$50.00} and the other one was over {$5000.00}. The {$50.00} amount was available right away and so I transferred that to another account. The other one was initially partially available. On XX/XX/XXXX, I was informed by USAA that my account had a negative balance. I was very concerned. Apparently, USAA had made both checks unavailable and so I had a negative balance due to transferring the {$50.00}, which had initially been available. 

I tried to access my account, but it appeared my pin was not working. This was concerning. When I tried to call USAA, the pin was said not to be valid. I was really worried about fraud. I managed to get into my account and I changed my pin. 

This morning, I was informed that my account has been locked due to suspicious activity. In order to unlock my account, I need to call USAA. I have called several times, but each time there is an over 2 hour hold time. I waited for a very long time, even skipping work, but then suddenly the line hung up. I tried again and waited another two hours. It also failed. I need to work, and so I can not hold this long. This is unacceptable for me not to be able to access my money until I have the time to hold for over 2 hours. I feel like USAA has held my money hostage. They pride themselves on being a bank which can serve customers without branches, but they have locked my account from making outbound transactions and I can't get a hold of someone in order to unlock it.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. 

XXXX XXXX XXXX {$1000.00} Opened XX/XX/year> XXXX
Consumer complaint received 2024-08-12
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: Resurgent Capital Services L.P. (IL)

I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My checking account with Citibank was forcefully closed by the fraud department. I have yet to receive a closeout check for my remaining balance. The account was closed in XX/XX/2024, it is now XX/XX/2024. What I am being told is that a check was sent to my home which I have not received. I have called numerous times to speak with a supervisor and I am told to visit a branch. I have visited 2 different branches and they both can not help me with a closeout check and tell me to contact customer service. My hard earned money has been frozen in this account for 4 months and I have not received a concrete answer to when I will receive it.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

Ever since the use a cash app has been available it has been a complete scam. All the consumers monies pooled into one account? The monies that have been deposited by that myself has not been available as well as the debit cards have been stolen and cloned. And this is on more than one account with cash app. The accounts have been linked to XXXX XXXX XXXX and banking institutions since XXXX. The amount of monies lost is undetermined nor unmeasurable due to the time lost and events unfolding still today as we speak. Being an investor once with XXXX XXXX accounts were suddenly closed for no reason given. XXXX XXXX XXXX passed thru XXXX XXXX  and account was closed 10 minutes after the transaction with the reason " security risk '' with no following communication by the company. All these companies are tied together and have been sticking it to the consumer this entire time and brushing off the warnings and or reports by the consumer. How does a company pool consumers money together? Is this even legal? This is not my first complaint and have received plenty harassment from doing so. The accounts will show the problems as well as having 32 devices logged into one account since XXXX and the disconnect just this year at the begining. The communication is a joke with Cash App and why should the consumer have to uninstall the app then reinstall, doesnt that erase all the data saved? Owner of more than one account with cash app ... XXXX was comprimized via email and can not access email to get any responses ... $ weetemotionz and $ XXXX are two of the accounts with cash app .....
Consumer complaint received 2024-08-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX Attempted to purchase products on-line multiple times at XXXX with two separate AMEX Gifts Cards. Entered each cards number, exp date, and the security code into the respective boxes but with each attempt the payment was denied. 

XXXX Attempted to purchase products on-line at XXXX multiple times with two separate AMEX Gifts Cards. Entered each cards number, exp date, and the security code into the respective boxes but with each attempt the payment was denied.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have viewed my XXXX XXXX  and is aware that Fifth Third Bank is reporting late payments on my XXXX XXXX. Transactions and experiences are excluded from a XXXX XXXX XXXX to the law, and each violation is a fine of {$100000.00} plus actual damages, please remove this account from all my XXXX XXXX or delete the late payments that does not suppose to be share with anyone. I have the right to privacy according to the FCRA. Please read XXXX XXXX ( XXXX ) ( XXXX ) under exclusions, reportinglate payments are illegal according to the law. XXXX XXXX section XXXX statesbi havete right to privacy. Please have these inaccurate accountsbdeleted from all my consumer files or please remove the transactions nd experience like the late payments to prevent future legal matters. 
Please remove the trade line from all my consumer files immediately Fifth Third BAnk
Consumer complaint received 2024-06-20
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: Experian Information Solutions Inc. (IL)

I am writing to dispute an unauthorized inquiry on my credit report. Please find the details below : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX I was working with XXXX XXXX on an app for surfers and skaters and he wanted to open a credit card to use with XXXX products and services. He said he had credit and to open a business credit card he would use me as a guarantor since I had good credit. He told me that everything would be in his name and I don't have to worry about it. We go to the bank and we sign some documents, he provides some documents with the teller and they step away and they start to speak XXXX. I am told that XXXX would come back for the card and that was that. I received nothing in the mail I received nothing that TD Bank said a credit was open in your name, becuase I was led to believe that the account was opened in his name and he would get all the documents, there was not even a credit card issued for me. While searching for insurance payments on another legal case I decided to go on tdbank to see if I can access my bank accounts. XXXX and behold a maxed out credit with my name with purchases XXXX made ( personal not business ). I contacted XXXX about the maxed credit card and he lied saying that he just purchased a phone with it and everything is in his name. I immediately ended contact with him and proceed to contact the police report this as fraud and contact all 3 credit bureaus. I have made a police complaint on XX/XX/23 but till this day I never got the police report or a detective call me about the case. XXXX is still working on the issue while XXXX and XXXX said it was a joint account and told me to refile once I get a police report. TD Bank fraud would not let me access anything about the account and told me to go to the bank I opened it in. On XX/XX/23 I go there and they said that everything was opened in my name, and refused to provide additional information about other accounts it was tied to or the business entity itself of which I could not find online. They said XXXX was an authorized user. How can it be the primary owner was never issued a card but so called authroized user with bad credit is allowed to XXXX out the card and TD bank does not think anything of it. I am trying to find a lawyer to sue him but the resolution is to move this off my credit part and make XXXX XXXX the one responsible for the bill
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IN)

I have been getting charged late fees year to date {$190.00} this has caused me great hardship when trying to make my monthly payment. I have called to see about getting into a hardship program but was advised I would not qualify. I was told that I could speak with the hardship department and then transferred. I am not sure why someone would just tell me I do not qualify but then transfers me to someone that would determine that. I have had a hard time getting answers on Statement questions and how my account is reported to agencies. I spoke wo someone in the hardship department but they could not answer any of my questions. I did feel the hardship program they offered me would hurt me more then anything. I asked for help to reduce my account from being in negative amortization and was advised by the rep she did not know what that was. I was also concerned with being charged a late fee of {$41.00} as I heard with the new law late fees can only be charged {$8.00}. I have been a member of the Credit Union for many years the representative advised me they do not care. I felt very pressured to make a payment to a point where it seemed like a violation of FDCPA.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (PA)

Open an credit line with Upgrade. Payments on auto. Payment was blocked for insufficient funds to my surprise. There was a mistake on account on my end. Called weeks later to fix, told be rep no record of such an amount owed or actions taken on said mistakenly missed payment. Report on credit report as delinquent. I called in shock as I was told the payment missed could not be found, called, asked for investigation, was said would happen, fixed the payments missed, was told no record of investigation taking place or filed on my behalf. Operator apparently lied to me! Credit negatively effected unfairly! Tried to fix payment before delinquency occurred but told no record of such payment due. Phone call recording would prove all I say but no investigation done as I was told would be done! Dropped credit line from XXXX to XXXX while XXXX owed at a time when other creditor increased line of credit! Most importantly, delinquent report should not have happened as I reached out to fix issue and in turn given wrong information and lied to about request for investigation! More importantly, creditors online app for payments which caused days delay and return payments and yet they still deemed me delinquent! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX