davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (SD)

Although banks may close consumer accounts for any reason without notice, I believe and thus allege Wells Fargo review of my consumer account indicated in the letter dated XX/XX/year> is discrimination based on race and national origin and contrary to pubic policy.

Contrary to its assertion in the letter, Wells Fargo did not base its decision on objective criteria related to risk ; rather, the bank decided to manage risks in its banking operations based on discriminatory policies and discriminatory practices. According to Consumer Financial Protection Bureau 's ( CFPB 's ) enforcement action, Wells Fargo has harmed millions of consumers over a period of several years, with violations across many of the banks largest product lines. The CFPBs specific findings include that Wells Fargo. See XXXX XXXX XXXX Wells Fargo was a aware that I am a XXXX consumer when I opened my account and also knew or had reason to know based on its own internal monitoring and reporting that its policies of giving unguided discretion to its consumer banking operations, specifically in XXXX products, was resulting in discrimination. See XXXX XXXX XXXX For example, Wells Fargo knew that its policies and practices encouraged the improper placement of non-White consumers into their Wells Fargo XXXX XXXX products and that its internal system designed to ensure proper placement of these consumers was ineffective and subject to easy manipulation. 

Wells Fargo 's internal documents will show that senior officials were aware of the numerous tactics employed to close XXXX consumer 's XXXX checking accounts and that a significant percentage of non-White consumers were closed based on risk compared to its XXXX ones in similarly situated banking products. Thus, Wells Fargo did not act to adequately compensate consumers who were victims of discrimination nor did it take effective action to change its policies or practices to eliminate discrimination. 

Therefore this is not a dispute that involves provisions of my contract with the bank ; it is a bona fide complaint to hold Wells Fargo accountable for its violation of consumer banking laws and to remedy the substantial and widespread harmful consequences of Wells Fargo 's discriminatory banking policies and practices in its Premier Checking division.1
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION (IL)

Cashed my brothers check that he endorsed too me for XXXX check was cleared XX/XX/XXXX but funds wasnt there.called fraud didnt get no help we called irs and the institution that issued the check they cant do anything since the funds was took out
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please delete all fraudulent accounts off my credit profile from XXXX, Trans Union and XXXX immediately. 

XXXX XXXX XXXX XXXXXX/XX/year> {$4200.00}
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Ive been a victim of identity theft since XXXX I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX XXXX  account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I have  a Sears citibank cred it card in which I purchased  XXXX  worth of appliances In the meantime years later my balance did n't seem to go down I was just thinking it was at a high interest rate so needless to say I researched my bills and come to find out I was being charged for an " account care '' thing so I called them to cancel it and ask when I signed up for this and I wanted proof because I did n't recall ever signing up for this, So after back and forth they refunded my account for 6 months of payments for this account care fee with no interest Of course I was n't happy because pretty much all the money on my credit card is pretty much ALL THE FEES PLUS INTEREST from these fees But they ended up finally sending me where I signed for it Well I looked at this and the paragraph for the agreement for the credit card was  XXXX  sentences and the paragraph for this ACCOUNT CARE thing was huge I know I probably thought it was part of the application I found this to be VERY MISLEADING ESPECIALLY since it was done on a machine in the store I 'm sure each screen came up at different times But I feel as I was taken advantage of.. This should not be on the application it should be an option that should be mailed to you after the fact to read and understand..In the meantime I have  XXXX  of dollars I have to pay back in fees and interest And on top of that my payment is over  XXXX  a month I feel very mislead
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern I recently got a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number # XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Volvo Car Financial Services U.S., LLC (CA)

On Friday, XX/XX/year> at XXXX am XXXX, I spoke with the representative from XXXX who was repossessing my vehicle. I provided the representative with the key and asked what next steps I needed to take - I was told I needed to contact the finance company. 

On Friday, XX/XX/year> at XXXX am XXXX, I spoke with XXXX ( sp? ) and asked what I needed to pay to get my vehicle back. She stated that the decision can take some time and to call back in a couple of hours to see if there was an update. She advised me that the vehicle could go to the auction lot but that I had until XX/XX/year> to make whatever payments were needed. She stated that I should not make a payment online and that when I was provided the amount the payment would need to be in certified funds. She also provided me with the contact information for the lot where my car was taken. 

On Friday, XX/XX/year> at XXXX pm XXXX, I spoke with XXXX XXXX sp? ) and let her know that I was told to call back in a couple of hours. I let her know that I spoke with XXXX and I needed to see what I needed to do to get my car back. She let me know it was just after XXXX pm XXXX and to give it a little more time. During the call, XXXX asked why I fell behind, I let her know that I had some financial troubles in XXXX and I have mental health problems, leading me to forget to make the payments again. She questioned the length of time between the payments ( " You weren't able to make a payment since XXXX? " ), as well as my ability to make the payments ( not verbatim - " I don't mean to be cruel... but are you going to be able to make the monthly payments? " ). While XXXX allegedly sent a message to the supervisors, she also stated that they are open tomorrow until XXXX pm XXXX. 

On Friday, XX/XX/year> at XXXX pm XXXX, I spoke with XXXX XXXX sp? ) and let her know that I was looking for an update as this is my third time calling. After being on the phone for just a moment with XXXX, she stated that she needed to " check somewhere else because [ she was ] still not seeing an update. '' She confirmed that she heard XXXX speaking with me and that she had sent an email to the supervisors, but that there was not an update. I asked when I could expect an update as I called this morning and was told to call back in a couple of hours by XXXX and then told to give it a little more time by XXXX. XXXX advised that it can generally take between XXXX hours to receive a decision, but they hope to have a response sooner and she believes that is what XXXX was trying to do earlier. XXXX then advised me that ( the supervisors ) were " not in over the weekend but please call back on Monday and hopefully [ they ] will have a decision by then. ''
Consumer complaint received 2024-08-19
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 XXXXXXXX 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 8
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX through the XXXX i was at a XXXX XXXXl. On XX/XX/XXXX I had my phone stolen, along with my ID, personal information, and all of my debit/credit cards. Whoever stole it went and made purchases with vendors who were working at the same festival I was at. I know this because on XXXX of my bank transactions it shows a website, and when i looked up that website XXXX it looks like XXXX XXXX merchandise from similar vendors who were there. So I assumed when they paid with the merchant that they just charged my debit card as a credit to bypass the pin. I was unable to get into my bank app to freeze my cards the evening it happened because i had my phone stolen, and couldnt login with another phone because it needed my phone number to send a verification code. By the time I left the festival, all of the Chase banks were closed. I couldnt contact Chase banks customer service due to the hurricanes happening so there was no one I could talk to. I went to the bank the next morning ( XX/XX/XXXX ) and they were unable to do anything in person because I didnt have my ID, but gave me a number to call. They provided me with temporary funds to make up for what the thief spent when I called the number they provided, but on XX/XX/XXXX I was seeing those same fraudulent charges made in my account again. I called Chase again and they were able to reverse it once again. But because I was at a music festival for 4 days, of course I would be spending money at the same places the person who stole my card had made, and when I spoke with the fraud department they asked if I made purchases with the merchants in the past. I did end up using my new debit card number to make some purchases at the festival on XX/XX/XXXX and XXXX, but nothing through the XXXX. The event happening was outside, so there werent any cameras to prove it was someone else using my card, and these vendors dont have a physical store where I could just go in and contact them. Chase bank had told me this morning ( XX/XX/XXXX ) there was lack of evidence proving that it was fraud and to get in contact with the merchant. They said if I provide any documentation i can appeal my case, but there is no way of doing so. I have no idea how to contact any of these vendors because they were just at booths, there was no company name or contact information set up. Its not like I can go back to the festival to get any proof. This has been a nonstop nightmare dealing with this for the past few weeks.
Consumer complaint received 2024-11-02
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: Fig Tech Inc. (CA)

My identity has been exposed in over XXXX data breaches in the last 4 years. I am doing all i can to get my identity back but these companies will not remove these accounts when i dispute them. I have been denied refunds for fraudulant charges ranging in the XXXX of dollars im paying for repair companies to help but im getting no where please help me. with this particular company sunrise credit say i owe money for services i didnt get and cell phones i did not purchase
Consumer complaint received 2024-08-19
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (VA)

I have applied for at least  XXXX  loan modifications since approximately summer of   XXXX    . My request in   XXXX   was denied due to employment income being too high. When I applied in   XXXX  , I was currently on short-term  XXXX  with my employer and was still receiving full compensation. Since I was receiving full pay, I was then denied the modification request.     I was then awarded social security benefits in   XXXX   XXXX     and was then advised that I am totally  XXXX  and unable to return to work. I then reapplied for another loan modification since my financial/employment has changed. I repeatedly received numerous requests f or CitiMortgage requ esting documents and clarification on numerous items. I provided all documents to them as requested. I was just notified yesterday via phone that my request for modification was denied due to income being too high. My representative then told me that it appears that I earn approximately {$2800.00} per month. I then explained that my social security award letter confirms that my monthly benefit is {$2100.00} per month. I explained that I currently receive a monthly insurance long-term  XXXX  payment, but this monthly benefit is an insurance benefit and is not guaranteed. My monthly pay has been reduced by over 50 % since becoming unemployed.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C 1681c-2 ) that you the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections or hard inquiries as reported
Consumer complaint received 2024-08-27
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. (GA)

XXXX XXXX XXXX XXXX XXXX. XXXX, 2023 CAPITAL XXXX Sep. XXXX, 2023 CAPITAL XXXX VIA DEALER XXXX XXXX, 2023 CAPITAL XXXX VIA DEALER XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, 2023
Consumer complaint received 2017-05-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Before I went to  XXXX  school,  Navient kept enc ouraging me to put my private student loans on forbearance. My monthly minimum payments has now increased to over {$400.00}  ( four hundred ) d ollars per month. I have tried to make {$100.00} to $ 150 monthly payments, but  Navient co ntinues to send my name to collections for late payments. I have had several conversations with customer service and they are not willing to accommodate my financial situation - my   XXXX   student loans are {$280.00} per month ; my federal student loans are about {$220.00} per month ; my rent is {$1900.00} per month ... I am a   XXXX   XXXX   in Massachusetts and only bring home about {$1300.00} every  two  weeks ( {$47000.00} yearly salary ). I have told  Navient  that I am already struggling to find more affordable housing in  XXXX  and keeping up with my other bills and living expenses. I would not want to end up homeless because  Navient do es not want to accommodate my current financial hardship. I have repeatedl y told Navient that  I can make $ 150 monthly payments towards my loans, b ut Navient cont inues to encourage me to make that payment on one account and place the other loans on forbearance.
Consumer complaint received 2024-10-31
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. (WI)

Filed dispute with Citi over purchase of XXXX XXXX  on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Citi says that they have contacted the merchant. 

XXXX XXXX XXXX  Citi says the merchant has responded and they are reviewing details. 

XXXX XXXX XXXX  Citi says they have completed their investigation and marked the case " customer responsible. '' Dispute letter was never given so details of their investigation are unknown to me. 

XXXX XXXX XXXX  Decided to reach out to original merchant by email again to see if I could get any details. 
Merchant for disputed charge said filing a dispute was the correct method for getting the order cancelled. Merchant said citi never contacted them during or after the supposed " investigation '' period. 

Merchant says citi never contacted them. I was never given any evidence from citi that they communicated with merchant.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.