davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

I have CD with WellsFargo, which matured on Saturday, XX/XX/scrub>XXXX XXXX, 2024. I called their customer service ( XXXX ) around XXXX to request closure of account. My call lasted around 36 minutes and at the end of the call I was told that account will be closed in 2 business days and money will be transferred to my checking account. Reference number for the call provided to me was XXXX. 

I checked my account on Wednesday, XXXX XXXX, 2024 and noticed that CD was renewed for 3 months. So, I called again ( XXXX ) on Wednesday evening around XXXX XXXX. This time the customer support ( XXXX ) told me that I can not close CD account over the phone. I have to walk into the bank branch to close CD account. She apologized for the incorrect information provided to me on Saturday. When I asked for my options to file a complaint, she transferred me to customer advocacy department. XXXX XXXX in the customer advocacy department helped me. They looked at my account and told me it takes 2 business days to close CD account and transfer money into my checking account. Since my call was on Saturday, technically my request was submitted on Monday. so, the two business days from Monday is Thursday. So, he advised me to wait till Thursday. I insisted to file a complaint. He then offered me to submit request again to close my CD, just in case the first request does not get processes. So, I will have a back up request to close CD. I approved the action. He also filed my complaint and gave me complaint # XXXX. I spend another 54 minutes on call.

In total I spent an hour and half to close my CD account and I am still not sure when they will close my account and give me my money.

I am filing this complain as 1. Their customer service is providing conflicting information and making it difficult to close CD.

2. I believe they have closed and then reopen CD account without my approval.

I have attached a copy of my CD account for review.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

On the afternoon of XX/XX/year>2024, I received an email from Chase saying that my bank account was closed. I contacted the staff by phone within the hour. The staff stated that my account could not be unlocked. I could only wait 10 business days for a review, after which the money in the account would be sent back to me in the form of a check. I checked the mailing address with two staff members that day. I asked why my account was locked and they could not give me a reasonable explanation. 

On XXXX XXXX, 2024, I received an email showing that I had a XXXX balance in my account, which meant that my money had been withdrawn. 

On the afternoon of XX/XX/scrub>XXXX XXXX, 2024, I called again to ask when I would receive my check. The staff indicated that the check had been mailed on XX/XX/XXXX and suggested that I wait another ten business days. 

On the afternoon of XX/XX/scrub>XXXX XXXX, 2024, I called to inquire about the location of the check and was told by the staff that it would arrive on XX/XX/XXXX. However, the next day I still had not received the check. I called again to inquire and the staff member said that the mailing address probably did not include a door number and that I would need to reapply for the mailing. The application took six business days and the wait time for the check to be mailed was 10 business days.

This meant another long wait for me, even as I couldn't be sure if the incorrect address was actually the cause. Since I went to two staff members to verify my address the same day my account was locked in order to avoid this happening, I don't think it should be possible for this kind of cheap mistake to happen again. Even they were unable to state for what reason my account was locked. I have a right to wonder if Chase Bank is trying to drag this out until I can't ask for a check from them after my XXXX XXXX XXXX in the US has expired. So I am asking for help to recover my property as soon as possible.
Consumer complaint received 2024-06-04
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. (NC)

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. 

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 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 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 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 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 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 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, has violated my rights. 

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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (LA)

I have had someone try to open several credit card accounts. I was advised it was through Credit Karma. When i tried to get into my CK account that i have had for years i couldnt. I found out today that someone changed my email address. When i did a live chat the rep said she could close the account so i asked her to do so. I wanted to open a new account. She said i have to send two documents such as drivers license and birth certificate. I told her they allowed someone to change my email address without proof and now i need to send proof. I refuse to send these documents. If someone stole my info already what will keep someone from getting access to these documents. I had to freeze my credit statements with the 3 reporting agencies and call credit card companies to report fraud. They are obviously not a safe site to do business with.
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. (TX)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC (CA)

During the year 2019 after my mother died, my car was broken into and my information was stolen out of my car. With so much going on I did not think that this would happen to me but I did in fact file a police report and report this to the insurance. Now we are a couple of years later after getting denied several times I checked my credit report to see why am I getting denied for EVERYTHING. Once I ran the report I saw that this car was on my credit report and also a charge from XXXX was on my account as well. This have been on of the most devastating times of my life and I can not do anything with my credit because of this repossession and this is not something that I would have allowed to happen. I hope that you can help me with removing this off my credit.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Hello, I am XXXX XXXX XXXX with Amazon Platform. I was looking for a distributor for specific products. I have received offering quote from this XXXX XXXX XXXX Company. 
before, I make any deal and purchasing goods from current supplier, I verified the company 's business legitimacy and business location and stuffs with Texas state of directory office. 

The supplier asked me for paying first before packaging and shipping. I deposited money into his checking account, The amount is {$3100.00}. I awaited for delivery for 2 weeks but I did not receive it. I contacted again with distributor regarding delivery, in fact He asked more money for shipping cost that we had not made deal so at the beginning. 
I did not move forward and agreed with distributor. and they not refunded me either. 

I went to my Bank and told the story what happened with me and asked them for helping to recover my money back. they said sorry for me
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank at the corner of XXXX XXXX XXXX and city wide in XXXX XXXX Texas outsources their ATM Services to a third party vendor. These machines are constantly broken down at least once a month. These ATM machines often do not function at all and when they do they function poorly. 

On XX/XX/2024 I deposited {$700.00}. I counted the cash before deposit and verified that the amount was {$700.00}. I did so because about three weeks prior a Wells Fargo Bank location in XXXX XXXX XXXX had shorted me {$100.00} and I was able to obtain a credit for that amount. I followed the recommended procedures and called the XXXX number on my deposit slip to file for an investigation from the ATM Claims Department . On XX/XX/2024 a letter was sent out from the ATM Claims Department that the amount I deposited the was {$600.00} not {$700.00}. I spoke to XXXX and his supervisor and informed them that I had in fact deposited {$700.00} that day not {$600.00}. They failed to honor my claim to my money.

Wells Fargo steals money from its customers through ATM machines that do not function to serve customers needs but rather steals money from unsuspecting customers who use their ATM 's. A review of their bank records will confirm that their ATM break down monthly and I am probably on of many in a class of consumers that are being defrauded by Wells Fargo bank.
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates (LA)

My daughter was seen by a XXXX XXXX. And XXXX XXXX fell to properly bill my private insurance and also Medicaid. For the balance out of know where i see the bill on my credit report. XXXX XXXX was suppose to bill my daughters Medicaid For the balance
Consumer complaint received 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the bank related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 
I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

MCM just replies with the same message as a robot. MCM have not answered nothing I have stated. This is the same reply as the one before. Why is CFPB closing the dispute? Cease and Desist. From whom? MCM? Who are they? A Debt Collector/ Creditor? So, lets close the dispute because MCM they can copy and paste a template response? Lol. Sounds really professional. Why is CFPB allowing fraud? Again, why have Consumer Financial Protection Bureau not following their own rules and regulations? A debt collector like MCM may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 USC 1692e and 15 USC 1692f. Let 's ignore the law. MCM is falsely claiming to be a creditor when it is also claiming to be a debt collector under 15 USC 1692e ( 11 ). The use or distribution of any written communication that simulates or is false represents a document authorized, issued, or approved by any court, official, or agency of the United States or any state that creates a false impression as to its source authorization or approval. 15 US 1692e ( 9 ). Let 's just welcome fraud. So, from the beginning MCM is a fraudulent company. But what they are saying must be true.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive pulled my credit report Both on your website as well as XXXX XXXX and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/year>, which is reported as 30 Days late on Transunion, XX/XX/year> on XXXX, and XX/XX/year> XXXX. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

We found the company was reporting personal sensitive information regarding bank accounts that should fall under the bank secrecy act. We contacted them trying to get more information and or details in attempts to resolve the issue. We were told that we had to fill out a form to request the consumer report. We did so on XXXX XXXX at XXXX ( see attachment ) and provided all necessary identification documents. We received no response as of today which qualifies as a violation of the fair credit reporting act and we are due compensation for this violation as well as remedy in form of this company removing my information from their database as I never gave consent nor can they provide validation of the alleged debt.
Consumer complaint received 2024-06-26
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: GOLDMAN SACHS BANK USA (FL)

I had multiple transactions made fraudulently. I was traveling from Florida to New York and my apple pay was hacked while I was in the airport on XX/XX/XXXX. While I was in NY my apple pay was used in another state on XX/XX/XXXX in the amounts of XXXX, XXXX, XXXX and again on XX/XX/XXXX for XXXX. There was one other transaction that was also made and that one was approved as fraud, while none of these in the same bunch were. I spoke with multiple agents on multiple dates, the cases have been reopened several times only to be redenied for " lack of evidence ''. I sent them my flight reservation showing that I was in NY at the time of the fraudulent purchases and also from my actual transactions that were not fraud you can see that I was in NY at the time. I searched the businesses with the address information they gave me and a simple XXXX search shows that the businesses are not actual businesses, the address listed is a XXXX. I did not make these purchases and reported the fraud as soon as it was seen, one while it was still pending. The most recent case numbers are XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). I did not make these purchases as I was not even in the same state and I had my digital wallet with me in NY, it was hacked, XXXX had to reset the digital wallet number, all which has been explained many times to the creditor.
Consumer complaint received 2024-06-26
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: GOLDMAN SACHS BANK USA (PA)

I made a purchase at XXXX. I returned part of the order to XXXX because I didn't like the items. XXXX sent me a partial refund for those items. 

A few weeks later, I returned more items to XXXX because they were atrocious quality, borderline scam for nearly {$100.00}, cheap XXXX quality. XXXX rejected the return and sent the items back to an address I do not live at, as reflected on my billing address. Now I neither have the items nor my money. Essentially theft. Apple continue to side with XXXX in this matter because I have a partial refund from them on my account from the above situation. Apple is completely in the wrong for siding with XXXX, my money has been taken. I have no product. The refund on my account from that purchase was for different items. They need to refund the charge PARTIALLY and I don't understand why its so difficult for them to figure that out.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MI)

I have a credit card with Citi Bank that I opened in XXXX of XXXX. I have been using this card, and paying on it regularly. I recently called to open a checking account. Through the process, they were unable to locate any accounts with them using my social security number. Through other verification methods, they were able to locate my credit card account. I was transferred to the credit card department to see why my ssn was not pulling that account. They confirmed, my ssn was not info that would verify this, and transferred me to the fraud department. They also confirmed this. I was advised that there was a ssn attached but was not what I provided. I asked if it appeared that there was a typo, or off by a digit. The rep advised no, that the ssn was completely different, and no way could be a typo. Now I have to go through a process to verify my identity with them. The concern is that somehow, someone elses ssn is on my credit card. As I began to ask questions as to how this could happen, they basically shut down, and told me I need to complete the identity verification. This needs to be officially investigated to determine how this happened, the misuse of sensitive information, how many other accounts are affected, and appropriate penalties and consumer disclosure of this breach has occurred.
Consumer complaint received 2024-06-26
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: World Acceptance Corporation (TX)

The negative rating on my account is a source of great XXXX  for me, particularly due to its potential effect on my credit standing. This unfavorable mark has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this negative rating has inflicted and will continue to cause until it's addressed.
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I am writing to formally complain about the persistent and harassing phone calls I have been receiving from representatives at Comenity Bank. Despite my repeated requests to cease calling me, the agents continue to contact me multiple times a day, which I find disruptive and concerning. 

These calls have not only been an inconvenience but also seem to disregard my rights under the law. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in harassing behavior, including excessive phone calls, especially after being asked to stop.