davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (WI)

hello, I have banked with associated Bank for over 10 years here, I have a few checking accounts, will post main checking number in next page, but I had used this as my main bank for several years, recently I had moved some money to one of my other accounts, and a different account moved some money into the associated account, all of these accounts were owned by me as me as the primary. They had thought that moving money was suspicious, called me and let me know there was an investigation, and I couldn't use my account and could come in branch to withdrawal money. 
I had spoken to two people, they had neither provided me any information or asked me any relevant questions to " investigate '' they hadn't even confirmed what transactions in question and if I was even the one who initiated this, if there were transactions in question, I feel they should have asked me about these at least, they didn't confirm any info, get any of my reasoning for my account usage, and left me without any information. 

I had then went into branch and they gave me a hard time about even taking out my money, they back office side did a bad job at even locking or closing my account. 

When I had called for an update and to provide info if I needed to, I kept getting mixed answers as to who was actually investigating this, I kept getting told different names, they'd pass me the phone numbers of the contacts and the contacts would never answer, I left numerous voicemails and no information or calls were returned I then heard from the bank a week later basically saying they are closing it and won't tell me any info, this is horrible experience as there was no reason or even investigation for closing the account.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase Sapphire Preferred on XX/XX/2024 after seeing that the promotional offer was XXXX additional points. After the credit card was approved, I also consistently noticed in the Chase mobile app a feature showing my progress to the XXXX points. 

However, after meeting the spending criteria for the bonus offer, Chase only gave me XXXX points. Two phone conversations and tickets escalated by customer representatives on my behalf requesting additional points were denied, and the marketing team at Chase claimed that the offer ended in XXXX, which was inconsistent with what I saw and what I believe I was offered when I signed up.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

while on vacaction On XX/XX/2024, I contacted Wells Fargo regarding an unauthorized purchase from XXXX XXXX I saw was pending on my checking account. I wanted to try and stop that transaction from going through. The Bank Representative said he couldn't stop transaction and suggested I cancel my debit card, and, file a claim to dispute charge which I did. He proceeded to tell me I would be given a Provisional Credit until dispute was resolved. On XX/XX/2024, I contacted XXXX XXXX and was refunded my money. I then immediately contacted Wells Fargo to withdraw complaint due to refund at which time i was told to call the Claims department on, Monday, XX/XX/XXXX, because they were closed. Wells Fargo is stating that Credit posted on XX/XX/2024 and received the credit which I never financially did although it appears I did on there end. The money was deducted from my account if they would do the math of transacation 's and balances they would see it's a computer error. I have made numerous call 's aswell as going into a Wells Fargo Branch to get this rectified. 
on XXXX XXXX, XXXX, I recevied what I thought was my refund for the money they deducted mistakingly. Today, XXXX XXXX, I received a letter from Wells Fargo stating their taking money on XXXX XXXXXXXX XXXX, from my account once again for the Credit I received on XXXX XXXX, XXXX which clearly should have been my refund. I have screenshots of my online banking account that differs from what they're stating.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (ID)

Originally several months ago got a threatening call from an aggressive person on a phone call threatening to garnish wages. They were trying to get the debt paid over the phone but I didn't comply and asked to speak to a manager who they patched me through to. I explained that I have no loans they tried to tell me that it was a tough time for everyone and people got desperate and took out loans over the phone. I told them I didn't have any debt and I monitor my credit reports regularly and this has not shown up at all so not sure what they are talking about. I told them that I will fight this issue in court and they would not get a XXXX  from me. They provided me with my full social security number as proof which knowing about the breach just thought it was a scam. 
I recently got a letter in the mail dated XX/XX/XXXX from Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY XXXX saying the debt was from XXXX XXXX with an account number the debt was purchased by XXXX XXXX XXXX which is now the creditor to whom the debt is owed. As of XX/XX/XXXXXXXX  in the amount of {$410.00}. I have up to XX/XX/XXXXXXXX  to dispute by mail or call or the debt becomes assumed as correct. There is an additional reference number of XXXX with a pin number. 
I have called them. told them that I don't have any debt as I'm am financial stable and would not have needed a loan so didn't now what they are talking about. They told me they were sending me proof of debt documentation to my email account that they had of which didn't match any email I owned. They wanted me to provide them with a correct email and I refused so they are mailing me the information they have on file.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is about Wells Fargo Bank ( WFB ). I am the sole heir of my father 's home. My attorney already transferred the deed into my name, per the terms of the trust. WF has received this information and has confirmed that they have it. I have been trying to get WFB to put my name on the mortgage and remove my mom and dad, since they are both deceased. I spoke to XXXX at WFB today ( XX/XX/XXXX ) and they refuse to do so and indicate that I must meet their assumption or refinance qualifications. I have been paying this mortgage for the past eight months and my understanding is that I do not need to " qualify '' if I am the child of the deceased and will be living in the home. I mentioned the law does not require an Ability to Pay provision in this case. WFB said that it used to be that way, but that Dodd Frank of 2010 changed and I would have to qualify as if taking on a new mortgage or refinance. I found 12 CRF Part 1026 RIN 3170-ZA00 dated XX/XX/XXXX that addresses this issue in detail. I found another article that confirms this as well. Both are attached. As far as I can tell, WFB staff are incorrect. I feel that they are deliberately violating the rules to try and get me into a new loan, complete with a bunch of new fees. This is after months of run around from them.The only reason I would take on the existing WFB mortgage is for ease and to not have a hard pull on my credit report. I would have no problem qualifying for a mortgage or refinance on my own, but I would seek much better terms than this bank offers. If WFB refuses to work with me, I will simply take my business elsewhere and get a new mortgage. However, what about all of the people who may not have this option? It isn't right that they are not afforded their options because WFB doesn't understand the rules.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I was granted 100 % permanent XXXX by the VA effective date of XX/XX/XXXX, the decision was made XX/XX/XXXX and backdated. I applied for XXXX discharge of my student loans XX/XX/XXXX. I made approximately {$27000.00} in payments between XX/XX/XXXX and XXXXXX/XX/XXXX. I received a refund of only {$8800.00}. I contacted Navient and XXXX about this around XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XXXX I was told that any payments made on the loans after the date of XXXX of XX/XX/XXXX would not be refunded if the loan account was inactive when they were informed of the XXXX on XX/XX/XXXXXXXX Therefore, I was told of the {$27000.00} in payments I made after my XXXX date of XX/XX/XXXX, I would only be eligible for a refund of {$8800.00}. Title 34, Section 674.61 ( C ) ( 3 ) ( iii ) states any payment made after the XXXX date will be refunded.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

In XXXX, Citi advertised XXXX complimentary annual XXXX memberships as a benefit of the XXXX relationship tier. I requested the XXXX memberships in XXXX, yet only received XXXX. Upon follow up with Citi in XXXX, they informed me that the XXXX benefits had changed and they could only provide me with XXXX membership. They also could not confirm which email address the other membership was sent to in XXXX. The terms of the offer at the time are still available here : https : XXXX : //citigold.citi.com/experiences/lifestyle.html At the same time, I was told that I could transfer in $ XXXX into a Citi Self Invest account to remain in the Citigold tier and receive a promotional {$1000.00} cash bonus. In following up on the XXXX membership issue, I was also told that I XXXX be ineligible for the cash bonus as well because the XXXX XXXX accounts do not qualify. I have written documentation from Citi that states that the Citi XXXX XXXX account would qualify under an exception they would add to my account. 

This is fraudulent advertising of the XXXX relationship tier and of their cash promotion to transfer in new-to-Citi funds.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc. (FL)

Someone called from ( XXXX ) XXXX and did not leave a message. I called them back and asked who was calling and what they were calling about. Call taker immediately had an attitude and refused to answer my question. I told them in that case they need to remove my number from their list. The call taker said I dont have any of your information and I said I will give you my number and you can take it off your list. To which the call taker responded with thats not how this works. She refused to remove my number after a clear verbal request and upon the information needed to fulfill the request being offered. I called a second time and spoke to a separate agent who gave out a full first and last name to me without any verification and I asked to be removed from their call list via phone number only and that I know I my rights granted by the federal government to make that reques, and have it honored. The second call taker did say she would remove my number this time without collecting any information from me except my phone number. This proves that it is IN FACT how this works. Call taker continued to talk about consequences and tried to manipulate me into giving up any other information. I disconnected the call.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (MO)

I made a purchase on XX/XX/XXXX. 

I was given a tracking number that did not correspond to the item I ordered, nor did I ever receive anything. 

THE SELLER DOES NOT EXIST AS OF XX/XX/XXXX AND CAN NOT BE CONTACTED Cash App has repeatedly ignored that I was scammed and can prove it each step of the way. They are refusing to process chargeback as required by law. 

NO MERCHANDISE WAS DELIVERED. THE TRACKING NUMBER GIVEN DID NOT HAVE MY ADDRESS PER XXXX. I DO NOT AND CAN NOT KNOW WHAT ADDRESS IT WAS SUPPOSED TO GO TO. DELIVERY PHOTO ATTACHED TO TRACKING NUMBER COULD NOT PHYSICALLY BE THE ITEM I ORDERED. 

Cash App has not verified the address attached to the tracking number and has provided no evidence that it was delivered. I have evidence that no item was delivered. Cash App has also not even attempted to contact the seller despite having an obligation to. 

They have refused to negotiate via their own terms and conditions.
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: EQUIFAX, INC. (WA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-11-16
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I have been the victim of severe identity Theft, which included my bank accounts at XXXX XXXX  and BMO. Somebody access to my accounts fraudulently and changed the security codes for me to be locked out, change the address and phone numbers and mailed themselves a debit card. They access a pin via email reportedly and was able to use my debit card at ATMs, casinos, and other various locations in other areas I clearly was not. XXXX XXXX  did a great job with refunding the funds, however, BMO will not refund approximately {$6500.00}, because a pin number was used. They argue that they cant prove that I didnt give my pin number to somebody. Its ridiculous and its a lot of money that I should not be held liable for per consumer protection laws. My account has continued to be compromised at this bank, and I am pulling my money out immediately and going to a different bank.
Consumer complaint received 2024-08-06
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: Affirm Holdings, Inc (FL)

On XX/XX/2024 I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/2024 I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of XX/XX/XXXX data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/2024 I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any response.
Consumer complaint received 2024-09-17
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Fresh Holdings Inc (SC)

CreditFresh XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, USA Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports. 

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt. 
2. Remove the debt from all consumer credit reporting agencies where you have reported this information. 

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA. 

Please confirm your compliance in writing within 30 days of receiving this notice. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I disputed this with LVNV before. NOW they turned it over to this XXXX, XXXX company. I sent XXXX a certified letter return receipt stating this is not mine, and to provide the Original Purchase agreement with my valid signature, and a validation that I owed XXXX, XXXX any money. I refused to pay this, and added a cease and desist clause in the letter. They have violated my rights by law according to 15 US Code 1692g.

I demand that they remove this false report from all the credit bureaus, including all secondary bureaus! XXXX XXXX has it loud and clear on their report. They must remove this info by law.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.