davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (MI)

Dont have contract with company Dont know who the company is. 
Proof company is located in my state needed. 
Proof signed contract by me In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (VA)

I am writing to express my concern regarding several issues with my recently opened accounts at the Schwab bank. 

Firstly, my new accounts have been frozen, which has resulted in my inability to access my online account there or my funds, including approximately XXXX XXXX dollars in my checking account. I called the toll free number 5 times last week. I joined around XXXX. 

Secondly, a money transfer from my outside account by me was cancelled after I had already set up the transfer external bank using the standard two small test deposits required by banks.

Thirdly, ( while their website provides instructions for online bill-pay and account information, ) they cancelled a bill pay to my XXXX credit card. All the accounts are mine. 

Lastly, I have been unable to connect with their fraud department directly. Instead, according to the toll-free number representatives, I have been asked to wait for them to call me. Having unknown people call me and leaving messages on voicemail which I find concerning given the prevalence of TV news reports say caution when someone called for info to your cellphone. Calls involving unknown callers claiming to represent banks may or may not be real. Im XXXX years old.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (CT)

On XX/XX/year> I never opened up an account with XXXX XXXX XXXX .. On XX/XX/year> I never opened up an account with Synovus Bank These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Contacted by a company saying they were serving me papers to appear in court unless I contacted this law firm, XXXX XXXX XXXX XXXX. It is over a Bank of America debt that I paid to a collection agency in XXXX for a debt from XXXX. They are claiming that because the account number ends in a different number it is a different account. It is an error in the account number, I never had an account with Bank of America ending in that number, one number off from the account I did have and paid. They have not sent me proof of debt and when I requested it they hung up on me.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc (NJ)

They have frozen my savings account with my {$250.00} in it. I want it unfrozen so I can get my funds back and close my account with them after this. I have contacted them over 5 times. All members of staff including supervisors were clueless and unable to help. All they said was 3 days. Its now over 20 days and still nowhere.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ASSOCIATED BANC-CORP (IL)

I received a call from my bank on XX/XX/year> around XXXX regardless a XXXX  transaction. I told the guy ( XXXX ) that I know about the XXXX  & there wasnt anything to worry about. He said after that my account is being placed on hold to investigate my XXXX  transactions on my account. I had no issue with that because there is no fraud on my account. He said it will take approximately three days for them to come up with a solution. I called immediately on Tuesday XX/XX/year> trying to get in contact with this guy & the customer service people kept saying hes unavailable. I finally reached him Friday XX/XX/year> asking him what is going on with my account & he said they came up with a solution close my account & my funds cant be released to me until 120 days. I read up on it, looked through my terms agreements & not once yet I found they are able to hold my money that long & not tell me why it was even closed from the jump. I then asked him can I just get my funds from an actual branch & he said no.
Consumer complaint received 2024-05-21
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. (IN)

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a Fifth dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is unfamliar to me. Remove this account ASAP. 

XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, This account is unfamliar to me. Remove this account ASAP.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

I received {$100.00} from my father on venmo, I tried to withdraw it to my debit card and it would not let me, I then tried to send the money back to my dad because I couldn't withdraw it and my account froze and now the money is stuck.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NC)

I called XXXX on XXXX XXXX, XXXX to cancel my internet subscription. The man I talked to said he canceled the subscription and that I didn't owe anything else. I received no further communication on the issue and was under the impression it was settled. Fast forward to XX/XX/XXXX, I get a notification on my bank identity alert there is a new derogatory mark on my credit report for a collections of {$89.00}. I looked into and found it was from XXXX XXXX and the collection agency was Amsher Collection Service. I received zero communication from XXXX this supposed debt was going to a collections agency and have received zero communication from Amsher Collections about this. How is it legal to put this on my credit when I had no idea it was going to happen??
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Aldous & Associates, PLLC (NC)

Account # XXXX Aldous and Associates XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX states date opened XX/XX/year> incorrect as I dont know this company! Under Law 15 USC 1692c ( c ) without consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! As stated Ive never affiliated with this company. As this account is reporting on my credit.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (VA)

I have mailed this to JP Morgan Chase and now I am telling CFPB. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) 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. JP Morgan Chase ( here in called JPMCB ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. JPMCB the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to JPMCB, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. XXXX, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

I am submitting this complaint to INNOVIS due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX credit card has overcharged interest to my account for XXXX consecutive months. Each month I contacted the bank to inquire about the fees, in total XXXX times I called, XXXX of which I was on the call for XXXX minutes with a supervisor with no explanation. " We're going to research this more. We'll credit the account if we see an overcharge. '' I called XXXX times on XX/XX/year>, once on XX/XX/XXXX, and 3 times on XX/XX/XXXX. 
In XXXX I was charged {$33.00} on a {$500.00} unpaid balance with an XXXX of 26.49 % In XXXX I was charged {$83.00} on a {$2600.00} unpaid balance. 
In XXXX in was charged {$78.00} on a {$760.00} unpaid balance. 
As well as Synchrony did not issue my rewards of {$63.00} for XXXX statement.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (FL)

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 604 ( a ) ( 2 ). This section clearly states that I have the right to privacy and that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, under 15 USC 1692c ( c ), if a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease communication, except under certain conditions.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OR)

I tried to use my chase card and it was declined. I have been with chase for almost 20 years with zero issues. So I called to find out why my account was closed and they told me there was a fraud alert. So I assumed it would resume after the issue was resolved. When it wasnt resolved I called XX/XX/XXXX and was informed my accounts with chase are being closed and pending investigation my funds will be released back to me via check around 10 business days. They actually said that. They gave me an exact timeframe. Well here we are couple months later and every time I call they say the investigation is still pending and they cant provide me my own funds or tell me why.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CT)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

Someone stole my husband 's bank card to purchase a bottle of $ XXXX cologne. This cologne was mailed to our home. When we get packages that we know we didn't order, we throw away ( happens a lot ). Then, we saw the charge on our bank account. We told the bank that we did not purchase this, we even had the guy 's IP address ( he was in a different state ). They investigated. Then they said we have to pay for it since it was delivered to us. Do we have to get charged for this even though we did not order it? If I would have known we were going to be charged, I would have mailed it back.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (CT)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/1972 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (GA)

- On XXXX XXXX I opened a new BMO Relationship Checking account to take advantage of a {$500.00} new checking account bonus they are promoting. 
-During the account opening process i was notified to avoid the monthly maintenance fee my account would need 'The minimum daily Ledger Balance in your account is {$10000.00} or more for the previous calendar month '. To satisfy this I initiated a $ XXXX transfer from my XXXX XXXX to my new BMO checking account. 
I could not log into my XXXX account from the BMO website so i had to go the ACH route-using the routing number and savings account number to transfer funds. I did that. 
- On XX/XX/2024 the XXXX transfer was posted on my XXXX savings account ( the funds withdrawn with note that the transaction for my new BMO account ). 
-Later on XX/XX/2024 I received an email from BMO stating that my XXXX and external transfer ability had be suspended and when I tried to log on and check, I was locked out of my BMO account. The email also indicated i needed to contact the BMO Fraud department. 
-I contacted BMO and explained what happened. that the transfer was not fraud that i was transferring the money from my XXXX savings to this new checking account. They asked me to send in all types of information to prove it was my XXXX account and because they did not sound very professional, I thought maybe this bank was a fraud and did not want to send in all my info to them. I wanted them to close the account and send my money back. 
- When my money did not bounce back to my XXXX savings account after a few days. I called BMO back and sent in the information they needed just so I could find out where my $ XXXX is. 
-BMO then sent me a letter stating that my account had be closed and any funds would be sent to via certified mail. When i called BMO to confirm this they stated that XXXX would need to request my funds from XXXX (? ). When I informed XXXX of this they did not seem to know what that meant ... or at least they did not tell me. 
-XXXX has also granted me a provisional credit for the XXXX but my account is locked until their investigation is concluded. 
I need answers from BMO - where is my money? I don't care about them closing the account, I just want my money back and i want to know why this happened in the first place... I was trying to follow their banking requirements.
Consumer complaint received 2024-05-21
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I am following up on my previous complaint regarding unauthorized transactions on my Wells Fargo account, which was denied by Wells Fargo despite my efforts to resolve the issue. 

On XX/XX/year>, I discovered several large unauthorized transactions via XXXX from my account ending in XXXX, totaling {$4000.00}. I immediately reported these transactions to Wells Fargo. Although they assured me of an investigation and temporarily credited my account, the issue persisted. 

On XX/XX/year>, another unauthorized transaction of {$2100.00} occurred from my account ending in XXXX, despite me changing my bank information. Wells Fargo once again failed to notify me or verify the legitimacy of this transaction, allowing the intruder to steal my money without verification. 

Both claims were denied, with Wells Fargo stating that the transactions were authorized by me or someone authorized to use my account information. This is untrue, as I never authorized these transactions or gave access to my account to anyone else. I am the sole owner of my account. 

I have attached a police report regarding these unauthorized transactions to support my case. Despite changing passwords, enabling two-factor authentication, and reviewing all recent transactions, the unauthorized transactions continued, indicating a serious issue with Wells Fargo 's handling of my account. 

These unauthorized transactions have caused significant stress and inconvenience, impacting my financial stability and trust in Wells Fargo. I demand a thorough investigation, proper resolution of the unauthorized transactions, and assurances that such lapses will not occur in the future.