davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (PA)

Hello, I am filing a complaint due to a bonus rewards issue with Truist Bank. 
I used the TRUISTXXXX ( {$400.00} bonus ) promo code when opening up my checking account. According to my bank statement, my checking account was officially opened on XX/XX/XXXX. I received ( XXXX ) direct deposit of {$500.00} or more on XX/XX/XXXX. I also made ( XXXX ) qualifying transactions within 90 days of opening my account. Today, I received an email from Truist saying I wouldn't qualify for a bonus reward of {$300.00} because I didn't have ( XXXX ) qualifying direct depots of {$500.00} or more. They applied the wrong promo code to my account, i.e., the TRUISTXXXX ( {$300.00} reward ) promo code, even though I applied using TRUISTXXXX ( {$400.00} reward ). TRUISTXXXX promo code is Valid for new Truist XXXX Checking accounts opened online from XX/XX/XXXX through XX/XX/XXXX. I have called Truist several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Truist customer service tells me that since I didn't have ( XXXX ) direct deposits, I did not qualify ; however, the requirements are not the same for the {$400.00} reward that I applied for. For the {$400.00} reward, XXXX direct deposit of {$500.00} or more is required within 90 days and I qualified based on that. They go back and forth about the TRUISTXXXX promo code and are not giving me information on whether I qualify and why they are trying to apply a promo code I did not authorize. If they wanted to change the promo code, they should have contacted me before the time when the bonus would be awarded. 


XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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. (GA)

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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 ) Secti
on 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 2023-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I transferred money from my Chime to my XXXX XXXX then in the same week transferred the money back to my Chime as I no longer needed it for a large purchase and use the Chime savings because of the ~ XXXX % interest they offer. Out of the blue they closed my account and said I wasnt eligible for a refund. I contacted them same day ( XX/XX/23 ) and provided all the proper documentation to verify my identity and they havent done anything to help. No help over the phone and automated email responses. I had approximately {$9500.00} in this account ( I used both their Checking and Savings ) and theyve done nothing to help me get my money or ask for further documentation to resolve. It has been like talking to an illegal website. Very unprofessional.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I have been a customer of Chase Bank for over 12 years and have both personal and business checking account. Recently, a client stalled my business with issuing a check for services we provided and some recurring business payments for auto loan made the account overdrawn. Within a timeline of a week Chase charged my account XXXX overcharge fees of {$34.00} each making the account even more overdrawn after my client issued the check. 

I have called the Customer Service and they have waived only XXXX of the XXXX overcharge fees. I am at a loss of words for such an excessive overcharging making my business suffering additional financial setback.
Consumer complaint received 2024-08-21
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. (FL)

I am filing this complaint against XXXX XXXX  for illegally reporting my transaction history to credit reporting agencies. This reporting violates my rights under federal privacy laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). 

Details of the Complaint : XXXX XXXX  has been reporting my transaction history to credit reporting agencies without my explicit consent and in a manner that violates my privacy rights. I believe this reporting is illegal for the following reasons : XXXX. Violation of Privacy : Under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers financial information. XXXX XXXX  has failed to adhere to these privacy requirements by disclosing my transaction history without proper consent. 
2. Inaccurate Reporting : I believe that the transaction history being reported does not accurately reflect my financial activities and may contain errors that adversely affect my credit profile. 
XXXX. No Proper Authorization : I have not authorized XXXX XXXX to share this level of detailed transaction information with third parties, particularly credit reporting agencies. This constitutes a breach of my rights under the Fair Credit Reporting Act, which mandates that only accurate and permissible information be shared. 

Previous Attempts to Resolve : I have attempted to resolve this issue directly with XXXX XXXX  by disputing the accuracy and legality of the transaction history reporting. However, these attempts have been unsuccessful, and the bank has continued to report the information despite my objections. 

Impact on Me : The illegal reporting of my transaction history has negatively impacted my credit score and my ability to secure credit. This has caused significant financial harm and distress.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

Nelnet consistently can not grant me access to my accounts. I am currently trying to reset my password that they deleted themselves but it states I have no valid email address associated with it despite receiving emails from them recently. Customer Service will not answer the phone after several 3 hour waits and I can not make my student payment on time.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (OH)

Recently I filed a complaint against Nordstrom/TD bank about a charge off showing on my credit report here with the CFPB. The company responded and their response is still a clear violation. Nordstrom 's response states they are reporting all information accurately to the 3 credit bureaus but I found several inconsistencies myself. Thoses inaccuracies include : 1. Nordstrom is reporting diff last activity dates to all 3 bureaus ( so in other words they are reporting different information monthly to 3 separate parties how is that accurate? ) 2. Dates the account was opened is consistent on 2 bureaus but diff on 1, is that accurate?

3. Under notes for XXXX it says charged off as a bad debt. XXXX says Unpaid balance reported as a loss by creditor and XXXX says Consumer disputes after resolved and charged off. Nordstrom says I don't qualify for a 1099-C, cancelation of debt form, because the balance is still owed- Then why are they reporting to 1 party that they wrote it off as a loss? Does that mean they got a tax break for it or filed a claim with their insurance company? It sounds like charged off means canceled by IRS definition and Nordstrom is deceptively trying to still collect money from me they recovered and I'd like to know if that is the case. Also, ALL notes reported to each bureau say something DIFFERENT so contrary to what Nordstrom believes they are NOT reporting accurate information they are reporting information damaging to my character and deceptive to any potential lenders. 

Then under monthly reporting they are consistently reporting to ONE bureau this is a Charged off account EVERY month. How many times can an account be charged off? 


Under the FCRA if any information is not 100 % ACCURATE it must be removed. I am demanding Nordstrom remove this account from my credit
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

XXXX Unauthorized transactions had been made through my XXXX or XXXX XXXX account which is linked to my bank Wells Fargo Debit Card. XXXX XXXX XXXX Store XXXX for {$34.00}, XXXX XXXX XXXX  XXXX XXXX for {$20.00}, and XXXX XXXX store XXXX for {$30.00}. I filled a complaint to XXXX XXXX but was told they were unable to confirm fraud. I called my bank Wells Fargo to make a claim but was also denied. Was told by a specialist that the transaction was done through my digital wallet / contactless payment with my XXXX digit code. Wells Fargo workers can only go by information they have. They imply that I made those transactions but this is total fraud because I did not make those transactions. How could I when The XXXX store was closed. Also If I can use XXXX Location History I can prove that I was not at the XXXX store at those times the transactions was made. This is Total fraud and needs to be investigated more deeply. If scammers are getting away with my money they can also be scamming others. Thats just not right.
Consumer complaint received 2024-02-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I made a payment for the minimum due on my statement of {$190.00} on XX/XX/2024. {$170.00} of that was applied to a fixed payment balance ( {$2000.00}, XXXX equal payments at XXXX % interest if paid in full ) and the additional {$18.00} was applied to my regular balance. This is what I expected to happen. 

Then on XX/XX/2024 I made another payment in the amount of {$910.00}, which I expected to go entirely toward the remaining regular balance of {$11000.00} ( at the time the payment was made or {$1200.00} at the end of the billing cycle ). They ended up applying {$360.00} toward the fixed payment balance and only {$540.00} to the regular balance. I have attached my XXXX statement I believe this to be in violation of Reg-Z SS1026.53. XXXX XXXX XXXX, which says they must apply payments to the highest interest amounts. I was not in the last XXXX months of the promotion period so that exception does not apply. 

I tried on XXXX separate occasions to have them re-allocate this correctly but in the first XXXX I was rejected via an emailed letter and in the last case a manager told me on the phone that " no-one here is willing to re-allocate that payment for you ''. I have attached the XXXX rejection letters I was emailed.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, my phone, debit card, identification, and credit cards were stolen from my hotel room in XXXX XXXX, LA. In a span of of a few hours the induvial that stole my items were able to spend {$4300.00} in various stores, {$96.00} purchase at a bar, and withdraw {$600.00} from an ATM. I informed Chase of the situation as soon as I could. I filed a claim with them and was denied all except the purchase of {$96.00}. They state that there was no way anyone should be able to use my pin, which is why they were denied. 

I contacted Chase to inform them that my PIN was compromised, but they refuse to investigate further. My concerns here are they approved the claim of {$96.00}, accepting that my card was used in a fraudulent matter, but deny the other claims. I have been a customer for Chase for over 10 years. They have history of my purchases. I have never spent this amount of funds in a span of few hours. I have informed them to do better in their investigation, but they will not take responsibility nor give me their investigation. 

I offered to provide the incident report that has an assigned detective to, but they told me that this can be falsified and not acceptable proof.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (GA)

Invested money in crypto.com. Money invested and money earned not available to take out of fund. Customer service has no answers to your complaint, all done by email. Customer service stops texting and never responds again! Main office is in XXXX, USA office XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Hundreds of complaints filed with XXXX  of many investors cant get their funds back. Either a scam or just fraud! Please help!
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (VA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. (TX)

at XXXX XXXX  on XX/XX/year> i had XXXX worth of btc that i was gon na send to a personal wallet. When i had sent it my entire transaction was put under review. As time went by i had gotten XXXX  about it so i sent a message asking for a follow up and thats when they told me that a specif team had to look into it and thats when they they couldnt give me information but that theyll email me. As time went bye i emailed them over 20 times in the past XXXX  years only to get the same response. I also have another transaction on XX/XX/year> at XXXX XXXX  for the amount of XXXX. The company is blockchain.com. I have message receipts transaction ids and everything for proof I just want my money
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Per The Federal Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have sent an FTC identity theft report NUMEROUS times and you are in VIOLATION of this law because I am a victim of identity theft!!! These accounts are a result of identity theft. Account name : XXXXXXXX XXXX Account number:XXXX, Account name : XXXX XXXX XXXXXXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX and Account name : XXXX XXXXXXXX Account number : XXXX. Please delete these items IMMEDIATELY! I have attached my identity theft report. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTSIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY. Lastly per te FCRA I am entitled to {$1000.00} per FCRA Violation. Please send me a check for {$1000.00} for willful violation.
Consumer complaint received 2024-02-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MN)

I have been researching other stories of people who can not cash CDs or Savings Certificates with Wells Fargo. There are many : XXXX, XX/XX/XXXX reports " Since XXXX, more than XXXX Wells Fargo customers have filed complaints against the bank for missing/lost certificates of deposit. '' XXXX XXXX, XX/XX/XXXX states XXXX XXXXXXXX XXXX XXXX  has not been able to cash her CD because there is no record. In the same article XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX have not been able to cash their CD. Also XXXX XXXX from their article dated XX/XX/XXXX. 
Add me to that list, too. 
Wells Fargo has had class action suits in regards to their civil mortgage fraud and their fake accounts scandal. 
I am asking you to please investigate this. There are so many of us. 
Thank you. XXXX XXXX
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I am US bank customer for more than XXXX  years. My check to the XXXX XXXX XXXX for property tax was stolen when I mailed it and dropped it off at the front of the post office in XXXX XXXX XXXX, California in XX/XX/XXXX. check for {$5700.00} was withdrawn from my checking account I received a delinquency letter from XXXX XXXX  XXXX in XX/XX/XXXX when I found my check was stolen. I informed US bank and went to the branch and filed the complaint on XX/XX/XXXX. I received a letter through cfpb on XX/XX/XXXX that the documents were not sufficient. I went to the bank again on XX/XX/XXXX and resubmitted the documents. Please kindly follow up when I can reimbursed my money. Appreciated. XXXX XXXX
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened a " free '' checking account in XXXX It came with no fees for ordering checks and no fees for using another bank 's ATM. For a few years, things were great. Then Citizens quietly changed the terms and I now have to pay for checks and get charged a fee ( by Citizens ) for using another bank 's ATM. Meanwhile, Citizens is now sending me new offers for a checking account with no fees. But there's a catch, I have to open a NEW account and open a MasterCard credit card. All to get the same terms I used to have ( no fees ). I have called customer service to complain more than once, but each time they tell me the only way to get back the original terms of my account ( no fees for checks, no ATM fees, etc. ) is to open a NEW account. Classic bait and switch.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

LVNV FUNDING LLC Has refused to removed Debt that was already removed from all XXXX, XXXX and XXXX. When contacted about error they attempted to manipulate over the phone by saying you must validate debt to get more information. I win not be validating a debt that isnt mine and has already been removed from all other reporting agencies. LVNV FUNDING LLC Has refused to remove file from XXXX XXXX and has continued to report negative marks even while disputing. LVNV FUNDING LLC Has ignored all disputes and has consistently reported incorrect information