davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

We were the victims of identity theft, and someone stole XXXX dollars from our checking account. We filed a police report along with a dispute with the bank and the bank is refusing to refund our money. We were not negligent in protecting our information, nor did we lose the debit card used by the thieves. The bank is refusing to provide details behind their determination. We reported the theft inside of XXXX hours of it occurring ( the transactions took place in the night ). We took out a loan to prevent outstanding checks from bouncing and to be able to pay our bills while the bank conducted their investigation. Wells Fargos response on this is entirely unacceptable.
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

They have called me day in and day out about the Collection and Ive tried to set up some type of payment but they didnt wan na work with me I called asking for some proof showing that after I make a payment that I can get a paper showing that I started the payment they said they cant give me anything till debt is paid in full
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (OH)

A radio control toy was purchased using XXXX  XXXX XXXX credit card on XX/XX/XXXX for {$240.00}. On XX/XX/XXXX the battery failed on the radio control toy resulting in a crash which rendered it inoperable. 

I submitted a claim to the purchase protection benefit under claim # XXXX. The claim was denied using the following language : " This benefit does not apply to boats, aircraft, automobiles, and any other motorized vehicles and their motors, equipment or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle. Please refer to your Guide to Benefits, which outlines what items or losses are not covered. '' The above statement should be reasonably assumed to cover things like automobiles, aircraft, and boats that people can ride/drive in. Large, motorized vehicles that are registered and covered by vehicular insurance, NOT motorized toys. 

A subsequent call for further details indicates they cover nothing with a motor that can propel itself, negating these benefits for anything with a motor that moves. While understanding that a company must limit its liabilty for financial exposure the overall claim being asked is {$240.00} that is NOT covered by any automobile, aircraft, or boat insurance. The above benefit is not operating in good faith towards the assumed benefit to consumers -- and using terms in a broader context to deny claims than reasonably assumed.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase is saying that I filed 40 disputes when they have no evidence of it. I did not file all these. I have 4 maybe 5 maximum that I filed. The last dispute I filed was by phone and the guy clearly did not know what he is doing and must have filed it against all the recent transactions on my account.

I talked to 4 or 5 people now. The branch I went to was very helpful but they were clearly unable to help as this was a decision made by Chases credit card side.

I asked the supervisor on the phone for evidence that I requested for these disputes to be filed. By this I meant I want him to check the call recording and acknowledge that the chase employee filed all the other disputes without my authorization or permission. I only authorized one dispute against one transaction.

They were unable to provide the evidence or acknowledge that they messed up. If they can provide call recordings or clear app logs that prove that I requested all the disputes ( which they make it clear that every call is recorded ), I will be happy to let chase win this case and accept the loss of my credit cards.
Consumer complaint received 2024-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - -- - Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-03-15
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (OR)

On XX/XX/XXXX, I realized I had been double-charged for gas on XXXX separate dates ( XX/XX/XXXX, XXXX & XXXX ) as well as once debited on XX/XX/XXXX for a purchase I did not make from XXXX. The transaction dates in the apps statement listed for these charges also kept changing, so any info included herein are as of whats listed today ( XX/XX/24 ). 

I called Dasher Direct to dispute said charges on XX/XX/XXXX, XXXX, and XXXX, and was hung up on at least once on each date, requiring me to call back in, and after XXXX calls and over XXXX hours in total on the phone with rude, disrespectful, and negligent representatives, Im filing this complaint. The last DD representative with whom I spoke today at XXXX PM, hung up on me after he decided I didnt have any further questions he could assist with, albeit he was entirely useless from the start. 

After putting me on hold for several minutes, he came back on the line and verified that the XXXX charges from the XXXX different XXXX stations were erroneously double-charged because they were done at the exact same time, as was the XXXX gas XXXX. However, the XXXX charge was {$20.00}, and I only bought {$10.00}, which was also charged separately. So, this was actually a triple-charge situation. 

The XXXX charge, which currently shows was completed today, although it was on XX/XX/XXXX that I was in the store to return an item, but somehow, I successfully completed the return and was credited the {$44.00}, but then somehow I was immediately and erroneously debited the same amount. 
DasherDirect representatives told me they couldnt help me dispute the charges and I would have to personally drive out to each of these locations again and speak with anyone who would be willing to help me there on location, at which the Dasher Direct rep started to laugh himself, probably at how ridiculous and difficult, and likely unsuccessful, I would be at getting these charges reversed. Additionally, no reps ever mentioned or were concerned with ensuring the security of my card or my personal information. They hung up when they felt done. It was frighteningly unhelpful.
Consumer complaint received 2024-03-15
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: General Motors Financial Company, Inc. (NY)

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
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: Chime Financial Inc (CA)

I have disputed this closed account over 3 times and provided documentation stating they have closed the accounts but they are continuing to report it to my credit report as updated and valid without the documentation to prove it. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to your credit bureau. 
Please have them remove this account immediately
Consumer complaint received 2024-07-09
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. (MI)

I'm writing you all for the help and removable of some inquires that I see that was request but not by me. i have reach out to the credit bureau and yet no repones and no response from these listed companies. i notice my name is wrong on there file and a list of nun verify numbers and address. 

these inquires are. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA restricted my account on the XXXX of XXXX, XXXX  claiming that i was making too many wire transfers. 
The customer service said my account would be closed after 60 days, and on the XXXX of XXXX, XXXX  i reached out to the bank and i was told a check for my balance will be mailed out to me immediately. 
The bank charged me an expedited fee of {$20.00} but never mailed out my check. I have called XXXX  and the bank says they won't be releasing my funds and won't give any real reasons. 
I have in total of {$160000.00} in my USAA checking account ending XXXX and {$100.00} in my USAA savings account ending XXXX.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (OR)

In XXXX my then husband and I bought our house with only his name on the loan. In XXXX we divorced and I assumed the loan in XXXX due to being awarded the home in our divorce. I was able to access all the information as I handled all the bills prior to the divorce. Once I assumed the loan, I was able to create an account to access my information. After a couple months they stopped letting people who assumed loans access to their account information. Due to this, I have to spend 10 minutes a month on the phone trying to make a payment, I am unable to access any of the information I may need and only get a statement in the mail. The loan is now in my name and I should be able to access my information to monitor the account. When asked, they stated they do not have any timeframe on when this will be resolved. I was told it was to protect the original buyers information, which in my case, I was married to him for 31 years and know everything about the loan and have all the original paperwork and have all his personal information. I understand a random person assuming a loan, but not someone who was married to the original loan holder.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

Loan was received XXXX made payments up until illness. Automatic draft from bank. Received a call from 3 rd party threatening court asking for XXXX. I call net credit back to verify interest. Now Im told its XXXX percent interest rate. Collection Agency is XXXX  XXXX out of XXXX NY XXXX. I have asked them to validate debit or send something via email. I have yet to receive anything. Ive called 3 times.
Consumer complaint received 2024-07-10
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)

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.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NY)

I want a vendor at an outside market on XX/XX/year> and a customer wanted to pay for an item using cash app. This would have been the 3rd payment received for the day without issue and the amount had not exceeded {$50.00} for the day. As I tried to accept the payment, I received a message that I needed to confirm my identity. I have had the cash app account for over a year and it is linked to my bank account and never had an issue. 
I tried to enter the information to confirm my identity and it kept asking for more and more information which slowed me down and caused my line to back up. The person who paid cash app said once I confirm my identity I can accept the pending payment. I tried to do that, unfortunately I received a message that the pending payment was declined. I also had to enter my personal information several times and reach out to customer service before that confirmed my identity. When I asked about the payment the rep said I would have to send a request to the person for payment-mind you this is a person who already has the item, yet I am still having an issue retrieving the payment they sent by way of cash app. After chatting with customer service through the app I called the next business day and I was told if the person does not accept my request for payment, even though they sent it and cash app declined it, I would be out of the {$25.00} payment. They also told me there was no more they could do and I would have to hope the person decides to accept the request for payment. I have sent two request to the person with no response.
Consumer complaint received 2024-07-05
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: CITIBANK, N.A. (TX)

I received a threatening letter communicating to me that XXXXXXXX XXXX XXXX, a debt collector was attempting to serve me with papers for a lawsuit regarding a debt allegedly owed to CITICARDS CBNA. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After receiving the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from CITICARDS CBNA card services that has been charged off as bad debt, but I never received a 1099 from CITICARDS CBNA showing the debt was discharged. Not only did CITICARDS CBNA not send a 1099, they are attempting to collect twice by charging off the alleged debt and not reporting it and by suing in civil court. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that CITICARDS CBNA and XXXX XXXX XXXX XXXXhe debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. CITICARDS CBNA Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of CITICARDS CBNA reporting services. I ask that the Consumer Financial Protection Bureau look into the actions of CITICARDS CBNA and XXXXXXXX XXXX XXXX regarding their actions towards a federally protected consumer.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (SC)

In XX/XX/XXXX, I entered into a loan agreement with Santander as a co borrower. I was not asked for any income verification neither was the primary borrower ( my father ) I made the first three payments on time but feel into financial difficulties. I reached out to Santander in XX/XX/XXXX, but was told my loan was not old enough to receive any assistance. I struggled to continue to make payments ( taking money from my XXXX, etc ) but was never offered any assistance from Santander. 
It is my understanding they should not have granted a loan without determining negative cash flow, which was a definite factor at the time of purchase. 
I also learned by checking my credit report that Santander has listed the account as closed as of XX/XX/XXXX, at which time I was four payments behind. I repeatedly attempted to enter into an alternate payment plan but have not been able to do so. Santander continues with the same practices present before the {$550.00} XXXX dollar lawsuit.
Consumer complaint received 2023-07-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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.