davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I filed a claim about transactions that were made on my account while I was incarcerated. I had to turn myself in XX/XX/XXXX and I wasnt released until XX/XX/XXXXXXXX XXXX XXXX called in on XX/XX/XXXX and spoke with an agent and expressed my concerns with my bank and offered to send in supporting documentation proving I was incarcerated. 

Upon sending in my documentation I called daily to ensure my documents were received and I answered each question each time surrounding my claim but each time they said it wasnt clear even though I sent it in PDF form each time. 

The dates I called in were XXXX, XXXX ( teice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to find out on XX/XX/XXXX that my claim was closed on XX/XX/XXXX. Once I called XXXX in on XX/XX/XXXX I was told by a representative that she sees my calls and sees my documents and felt bad for me and escalated my call to get my claim further reviewed to get a final decision and its frustrating because I showed them the website to verify my incarceration and to no avail Im still without my funds and someone who had my card and information wiped me out starting on XX/XX/XXXX. I just want my funds allocated bk to myself and to get this bank to stop taking advantage of customers. I just dont know wat to do now and o need your help to get my bank to really get who did this and not make me suffer please
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (TX)

To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX.
Consumer complaint received 2024-08-12
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

I have a {$11.00} XXXX charge on my debit transactions dated for XX/XX/XXXX. I went to XXXX on XX/XX/XXXX and this transaction posted. But the transaction from the XXXX is not mine. I went to two different branches on the same day trying to dispute the charges. At the first location, I was told by the banker who was acting as a teller at the time, that she would not be able to assist me with my issue and I would need to wait at least hour or more to speak with someone ( if someone becomes available ). The second location, I was told by the teller ( who was extremely rude ) that she doesn't handle any kind of complaints and there wasn't a banker that could assist me. but I could wait in the lobby just in case someone happens to come available. I also called customer support but no matter what button I pressed I was still unable to get any assistance. Due to me not being able to get any assistance, I withdrew all my money out of both accounts, because this is not the first time, I've had unauthorized charges and was unable to get any assistance. I was even told that I would need to call customer support to have my accounts closed. I also work at a bank and was in disbelief at the type of treatment I received from a bank that I've been with since XXXX.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (ND)

We put a check in the bank to see if it was a fraud check and with this being the first one to be put in there they closed my wife 's account due to it I will never again deal with wells fargo they are a corrupt bank because their fraud department is a joke all other banks would have called and told us that the check was a fraud check and took it on their behalf and files a fraud report with it but not wells fargo they closed down my wife 's account and that was the only way we had to pay our room rent.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Empower Finance, Inc. (NJ)

My payday is every 2 weeks. My limit at Empower, or their Thrive loan service, is {$400.00}. 
On XXXX XXXX, I took a draw for {$200.00}. Even though I selected their " Split in Two '' payment method, which should have been 1 on XX/XX/XXXX, and XXXX on XX/XX/XXXX, both were charged on XX/XX/XXXX at {$100.00} each ( they charge interest, which I'm fine with ). This got my available credit back to {$400.00} from a previous draw. 

Due to the double payment at that point, and not being able to work a certain amount of time, I needed to take another draw on XX/XX/XXXX for {$200.00} with the same " Split in Two '' payment method, which made the next payments of 1 on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

I ended up taking another draw on XX/XX/XXXX with the same " Split in Two '' payment method, which should have made the next payments of 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. However, again, it failed to work that way, and everything was charged on the XXXX. 

I reached out multiple times for assistance over the last week about not having to wait 3 days for the funds to become available, and for my limit to increase, but they ignored all my emails, until I finally got their app bot to send an email for me. All communication today has been nothing but a back and forth and refusal to help me. 

My bank account that I used to pay these draws back is now negative again, because I've been charged three times today, when it shouldn't have happened. They're refusing to help me.
Consumer complaint received 2024-07-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pankey & Horlock, LLC (GA)

XXXX XXXX HOA Board of Directors, located at XXXX XXXX XXXX XXXX, XXXX XXXX, GA is attempting to illegally seize and sell my home. I have been submitted to abusive financial tactics for more than a year after a " common '' pipe break destroyed my home They fixed the leak and settled on a Proof of Loss, but then engaged in collective duplicitous tactics ( as a group ) to delay and block settled funding to restore my home as they are required to do according to the current bylaws. XXXX XXXX, the HOA front office manager and XXXX XXXX, the owner of the HOA insurance company XXXX XXXX XXXX XXXX, were primary in blocking the funds for restoration ; however other members of the HOA were also aware of the continuing theft. A demand letter was sent to one of the HOA attorneys, XXXX XXXX of XXXX XXXX XXXX in XX/XX/year>, but after verbally acknowledging receipt, Attorney XXXX ignored the letter. All of these actions combined have caused extreme financial and medical trauma. I am XXXX yo, and I have had SSDI as my sole income since I was XXXX due to XXXX XXXX. My home is still unlivable, and they have now filed a lien and are trying to force a sale for well below the value of my home. I would like to claim hardship immediately and sell my home at the proper price. These people have been openly XXXX towards me and I'm fairly certain they've used these tactics with other homeowners. The HOA collection attorneys are XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, GA. I want to move but they are trying to destroy me. Please assist if possible. Thank you.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX, I purchased several XXXX XXXX for an upcoming private XXXX  event by XXXX XXXX on XXXX. In the stream from XXXX XXXX, I was told to give them my account name and order number and they would hold said XXXX  for the event. I gave them this information as soon as I had the opportunity after buying the XXXX, as well as additional payment for the upcoming signing through the mail in order option. I did use their installments options through shop/affirm, because it would be too costly otherwise. However I paid those off ASAP and they should still have the orders on file. This was also on XX/XX/XXXX immediately after I bought the figures. The instructions were not clear, and I admit that it is possible I misunderstood what was needed. However, even if that were the case I would have expected any kind of communication from them if I had made an error. I did not receive any emails from them in regards to any mistakes, after I had made the signing payments, so I assumed things were proceeding as planned. To my surprise and confusion, on XX/XX/XXXX I received several emails from XXXX saying that the XXXX XXXX I had ordered through XXXX XXXX XXXX XXXX were to be shipped out to me. They had said in the email on XX/XX/XXXX that they were going to send out thank you cards in place of the XXXX  I had asked to be held. 

Part of me figured that might be the case, but unsure I emailed them again, literally thirty minutes after I had gotten the email after the items were to be shipped, concerned about the payments I had made for the pre order signing. I received no response from them about the status of these shipments. Nothing at all. I contacted them once again after I had gotten the items on XX/XX/XXXX stating that I was grateful I got the items but disappointed they were not held for the signing like I had asked them to. I told them I would be disputing these charges as I had been misled and what was agreed upon was not promised. I graciously gave them a few days to respond to me, which was not done, where I then emailed them the final time on XX/XX/XXXX in a very understandably upset email. I was promised something, paid for it in full, and was completely ignored when I attempted to reach out for any issues or discrepancies, and even silenced when I attempted to share my experience with them in their comments to warn people. I am XXXX  XXXX and do not have the ability to send these items back to them for shipping for the signing, which is an absurd thing to do when they were asked to be held in the first place for me. Please do not buy anything from this company ; they are disingenuous at best and maliciously incompetent at worst. I am currently fighting these charges, and am hoping to get back any of the exorbitant amount I paid for this pre order signing and another one I made earlier thinking they are legit, because I do not think this company is competent enough to even do that correctly.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

Chase Bank decides to put a hold on my checks deposited for no apparent reason and prevent me from using those funds towards materials I need to purchase for my business as well as making my payments on time. This issue makes me lose money, get late fees penalty, causing bounced checks. This should not happen since our business account is not being opened in the past 30 days. This is extremely frustrating what banks do to us.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NH)

To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo regarding unauthorized enrollments in various insurance products, as well as excessive fees charged to my account without my knowledge or consent. I was an account holder with Wells Fargo from XXXX until XXXX and have experienced significant financial and emotional distress due to these actions.

Throughout the period of my account ownership, I discovered that I had been signed up for accidental death insurance and other products without my authorization. These products were added to my account without my consent, and I was charged substantial fees for services that I neither requested nor approved.

Moreover, during this time, my account was also impacted by credit card fraud and subsequent debt collection actions. Despite my efforts to resolve these issues, I was not informed about the unauthorized products and the associated fees, which contributed to my financial difficulties.

As a consumer, I find this behavior by Wells Fargo to be deeply concerning and unacceptable. The unauthorized enrollment in products and the excessive fees have caused me undue hardship, and I believe these actions are in direct violation of my rights.

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Wells Fargo for their unethical practices. I am seeking full restitution for the unauthorized fees of {$10000.00}, as well as any other applicable compensation for the distress and financial impact this situation has caused.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MT)

I tried to login to my chime app with both emails and it said error. I called to check because this was my main source for banking. They told me it was closed due to violating terms and conditions, which I did not. I didnt recieve any notices of closure. They told me I would not be reopened or recieve my funds back and that they were very sorry. They did not supply me with an evidence or reasons for why they decided to close my account. My money is gone and I have never had any issues with chime until now. Ive been a consumer of theirs for years. Im a single mom and own my own business, that money is needed.
Consumer complaint received 2024-07-12
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. (FL)

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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I do not recognize these inquiries on my report XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please, review these accounts and delete it from my report.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

XX/XX/XXXX, I transferred $ XXXX to Coinbase via an ACH from my bank. At time of transfer the system stated funds would be available for transfer or withdrawal on XX/XX/XXXX. XX/XX/XXXX, I received an email requesting an ID verification. I promptly submitted and cleared the request. In addition an email was sent stating a security freeze is on my account. Preventing me from withdrawing my money until XX/XX/XXXX. XX/XX/XXXX I called Coinbase support after there was no resolution via Coinbase chat support. During this call, an email was sent to me requesting some additional information. Following this is received an email from Coinbase stating : XXXX XXXX XXXX, Were happy to inform you that the review of your account is now complete. Youre now able to Buy/Sell/Send/Deposit/Withdraw We sincerely appreciate your patience during this process. If you need any additional support, please visit the help center. 


Regards, The Coinbase team I have received this email twice. After which I attempted to withdraw funds back to my original bank account. Each time Coinbase support stated I should be able to withdraw my money. While on the phone with Coinbase, I attempted to transfer & each attempt was cancelled without explanation. The Coinbase representative was confused as to what was happening. After hours on the phone with multiple representatives, each time they will come back stating the hold is to protect my money & me. How is stealing my money protecting me? Im an adult who doesnt need Coinbase to hold my money like a parent protecting a child. This is theft! I have all emails from Coinbase with multiple different explanations. From, funds are available as stated above to the can not tell me why they have a security hold. I have directly asked as to whether they are concerned for XXXX XXXX or other nefarious activities. They have stated no, but can not say what. I have since filed complaints with FTC & SEC. Intend to contact FBI next as I believe they are committing fraud & extorting money from clients.