davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

Venmo has permanently disabled my account without any justification or explanation aside from : " While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement.

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. '' Venmo first suspended my account, then asked for ID verification, which I sent, and then sent the above response. Now they have my personal information including my SSN and refuse to explain why my account is frozen. 

The ticket number for the event is XXXX. 

I have reviewed their terms and policies for use and do not see anything that would warrant a violation. It's concerning that private information was requested and then my account was disabled shortly after. 

There are several online posts explaining the same thing has happened to many others. Not only is it poor customer service, but seems like a security risk to have my personal information being held by a banking institution that seems to rely on bots and AI to respond to email communication.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A. (GA)

I applied for an XXXX XXXX credit card and was rejected by Citi Bank. The reason they gave is that I have no recent loan payment information. I called them and explained, that the reason I have no loan payment is because I have no loans. I explained that I had previously called my credit bureau and they had told me that my XXXX XXXX and report were very good as I have no debt either. I have multiple credit cards and all are paid on time. However, the manager I spoke with at Citi said that it was their policy that they would only approve credit cards to those with loan payments. The manager also refused to flat out say that in order to have the credit card, I need to take out a loan but kept iterating that loan payments were necessary. This is a very predatory practice. I have a very good credit score and a very good credit report. It is very disappointing that XXXX XXXX lost a customer due to the unethical practices of Citi bank.
Consumer complaint received 2023-08-28
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. (TX)

I am a victim of severe forms of trafficking in persons. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this human trafficking information was supposed to be confidential?
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NC)

This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MS)

I will pursue this case to its logical conclusion. The attached transcript should be read and examined by CFPB. 
Consumers should be alerted about how they will be treated if they are scammed. 

Also, I STRONGLY believe that a hypothesis test is done on the " time it takes for them to be kicked out of society '', it will be glaring that how certain members of the population are not treated equally by Wells Fargo. 

It is impossible to forensically read the attached transcript and justify that a consumer should be thrown out of a banking system, and his credit totally destroyed after being CLEARLY SCAMMED. 

Wells Fargo is a huge company. If CFPB doesn't protect little people, then the American dream is over for the most of us.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (IL)

My loan originated in XXXX of XXXX with World Savings Bank. World was bought out by XXXX, who was then bought out by Wells Fargo. Prior to the loan transfer, my XXXX statement disclosed a pay off date of XXXX XXXX  This loan is a bi-weekly ARM, based on the Cost of Savings index. At origination, the interest rate was nearly 7 %. 
Since interest rates have not trended above 7 % since origination, and we continued to make timely mortgage payments, we assumed a loan payoff date of XXXX XXXX 

Over the last 1.5 years, we saw subtle changes in the 'payment due ' area of our mortgage statements. Long story short, I contacted Wells to determine when the loan would be paid off. Our mortgage statement reflected a XXXX maturity year, exactly 30 years. I explained that as a former loan originator, I knew exactly what the benefits of the loan program were and how payments would be applied -- payments would be applied to principal every 14 days, which would shave 6-7 years off of the loan term. WF essentially said there was no way they could truly provide an amortization schedule based on an ARM. If the former lender ( World Savings ) provided one, why can't WF? 

I escalated my complaint to the Illinois Attorney General 's office. They were not able to do anything, except facilitate communication between myself and WF. My goal is twofold : 1. To determine if other WF borrowers with bi-weekly mortgages face the same challenge? 
2. To reflect the mortgage as paid in full. 

If you have any questions, feel free to contact me at XXXX.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I noticed charges to my Chime account amounting to {$550.00} and {$35.00}. I filed the dispute on XXXX XXXX XXXX and the dispute was denied on XXXX XXXX XXXX. I've since filed a rebuttal with chime and asked for documents explaining why the dispute was denied and received a redacted statement of my initial response to the questions I was initially asked and transactions dates and times. No evidence from the merchant proving these transactions are unauthorized or authorized. I called chime and spoke with a supervisor that told me the investigation team didn't file a chargeback and was told she's not part of the investigation team and she doesn't know why their was no chargeback filed only that the investigation team has they own way of investigating claims. I asked if the investigation team got in contact with the merchant and was told they did not. I don't think chime did a thorough investigation into these disputes. The transactions occurred in XXXX XXXX and I live in XXXX. I've never been to XXXX XXXX. I lost my phone, debit card and ID and the next thing I know I'm getting charges and no help from chime besides generic answers and withheld information.
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (VA)

To Whom It May Concern : In the most recent response by SLS, they claimed that this XXXX is NOT a " Zombie Second Mortgage '' ; but of course this is false : XXXX ) No payment has been made on this lien since XXXX ( see attached documentation submitted by SLS ). 
XXXX ) No contact was established between SLS and XXXX between XXXX and XXXX and again from XXXX to XXXX ( See attached documentation submitted by SLS ) XXXX ) SLS accelerated the loan on at least XXXX occasions before pursuing the current foreclosure proceedings ( See attached documentation submitted by SLS ). 

The documentation shows that this XXXX IS a Zombie Second Mortgage. SLS 's attempt to misrepresent the nature of this XXXX to the CFPB is a violation of the law. 

Furthermore, SLS 's nefarious activities that ignore laws, ethics, and decency provide them with a competitive advantage when compared with other companies which value integrity over profits. This is unfair to honest companies who follow the law.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

Well over 12 months ago, I opened a savings account and three CDs with Marcus by Goldman Sachs. Upon trying to transfer funds out of Marcus my account was shut down. I had no access to any of my money. The amount was at that time over {$700000.00}. I called and called at least 6 to 12 times until finally. I was told that I had to prove my identity by actual US Postal Service mail. That process took over 60 days when my account finally became freed up again the money was in CDs and savings accounts and so I decided to leave it in there Until it vested. Which I did. So in XXXX when it came time to start taking my money out of Marcus, I started to transfer funds. The transfers would go into my bank account and then reverse upon calling at least 7 to 12 times we finally agreed to just close the account and get me a check. Thats been going on for three weeks. I have no money. I just got an alert saying my Marcus account has been closed. Yet I have no funds. Again were talking about {$730000.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Ongoing issue with Wells Fargo, sent a complaint to CFPB regarding issue and still found not in my favor. However, wells fargo has lied in their resolution letter and attempting to steal XXXX dollars from me.

Wells fargo states " a letter was sent to your address we have on file advising you of that information and that provisional credit of {$1500.00} previously provided to you will be deducted on XX/XX/year>. 
Please note that due to the fact that the additional information we requested was received after the closure of the claim reference XXXX, that resulted in opening a new claim to review the additional information and that claim case number is XXXX " wellsfargo claims that due to not providing information before closure of claim, I am not eligible. 

1 ) Wells fargo claims assistance stated on phone i did not need to provide information 1st via phone 2 ) I provided information after a new phone agent stated I actually did need to send an email, and this information was provided on XX/XX/year> before the closure, so again, wells fargo continues to lie.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (VA)

On Saturday XX/XX/XXXX, I called Chime to check on my account. The agent that answered directly from the Chime support phone number ( it even pops on the cell as Chime ). The agent said I suspicious fraud and it was very important that I follow the steps to mitigate things. I asked to speak with a manager and he agreed and said his manager XXXX would take over. He asked for my best contact in case we were disconnected and then also gave me marks information and then put me on hold. We were disconnected. The fake agent, XXXX, called me back and went through the same process as the Chime agent, telling me transfer funds to a separate account to Chime can freeze my accounts and give me access under a separate temporary account. Once this was done he disconnected. I called Chime back over 10 times. I was disconnected several times in trying to explain what happened. I spoke with agents and tried to get them to let me speak with a supervisor after which they would put me on hold and then hang up. I got one supervisor who said this is so unfortunate but Im going to send you money to help. The last person I spoke with actually filed a dispute but the dispute came back no more than 10 minutes later saying I was at fault. Even when I sent supporting documents to Chime, as the supervisors instructed, the email came back saying Chime couldnt receive the documents ( direct email from Chime ). I was scammed out of my final and only {$640.00} dollars.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a formal complaint against Bank of America regarding their mishandling of a policy cancellation and refund request claim with XXXX XXXX XXXX. 

On XX/XX/2023, my company, XXXX XXXX XXXX requested to cancel our policy with XXXX XXXX XXXX from XXXX County, Georgia. Initially, we were informed that the cancellation process would take approximately one week, with assurances of a refund for the remainder of the month. However, subsequent communications delayed the cancellation into the following month, and despite promises of a refund, XXXX XXXX has not refunded us for unauthorized charges totaling {$3900.00}, extending over multiple months. They kept charging us for multiple months after we first inquired to cancel our policy. 

Despite our cooperation and provision of all necessary documentation, including emails and call records, to support our claim, we have received no resolution from XXXX XXXX. Bank of America, our bank, initiated a dispute on our behalf, yet XXXX XXXX has failed to respond to their inquiries. Up until cancellation, we had been using them for almost two years and paid them over {$45000.00} while our insurance was in use. Bank of America is still trying to get our money back, but they have not received any word from the other party whatsoever. Our claim has been pending with Bank of America since XX/XX/2023 and they just keep dragging us and making us wait. 

We urgently request your intervention to expedite the refund process and ensure accountability from XXXX XXXX and Bank of America. This situation has caused undue financial strain on our business, and we seek prompt resolution to prevent further losses. 

Thank you for your attention to this matter. We look forward to your assistance in resolving this issue swiftly and ensuring fair treatment for consumers.
Consumer complaint received 2024-02-14
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: BARCLAYS BANK DELAWARE (NY)

To Whom It May Concern, In XXXX I signed up for an AAdvantage Aviator Red Mastercard. It was to be mailed to me but I never received it. Someone intercepted my mail and used the card for XXXX charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX C {$16.00} I received an email notice about the charges and I immediately called the credit card company to let them know that I never received my card and that this was fraud. I spoke with the fraud department and they immediately canceled the card, reversed the charges, and sent me a new card. You will see this reflected in the XXXX attached statement. 

In XXXX I used my new card for XXXX purchase - you will see that reflected in the XXXX statement where the old charges were still not appearing. 

In XXXX, suddenly the charges reappeared on my new credit card account again. I again immediately called and spoke to another member of the fraud department and they said that they decided that it was not fraud and are charging me for the purchases I did not make. You will see this and the {$150.00} interest charge they're suddenly charging for this purchase ( which by law shouldn't be happening during an investigation ). 

I reported again that I didn't have the card in my possession. They said they texted and emailed me about the charges at the time of purchase and they were approved. I informed them this must be identity theft because I never received any such email/text notices ( and I have received other notices from them which is why this is very suspect ). What is most concerning is that someone was able to open an account with my personal information which is terrifying. I've since changed all of my passwords online and bank cards etc to address this possible identity theft, and they said they'd issue another fraud investigation and get back to me in 30 days. 

I paid off the charge that I made in XXXX with the new card, but refuse to pay anything to do with the fraudulent charges from the old card that was never in my possession. It's now been over 30 days, and the charges are still on my account and somehow accruing interest, and I've received no information or contact from them in any form. 

I do have a case claim number they gave me and I've simply been told my case is " pending '' - XXXX Please help me remove these fraudulent charges and get this Barclaycard company to be responsible to their customers and for their internal inadequacies. I'm not sure what else to do but this is quite a large sum of money that I don't have and I need to resolve it. I pay all of my credit cards on time and have never had any issues like this with any other credit card companies. I'm not sure what else to do. 

Thank you! 
XXXX
Consumer complaint received 2023-11-08
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: Experian Information Solutions Inc. (CT)

XXXX  XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  Date Closed XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2019 This Information is Incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXXXX/XX/2019 This Information is Incorrect. Please remove it from my credit report Inqyuiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.