davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I have been a Navient customer for about a decade or longer and have never had significant issues until now. My loans have been in an IBR plan for several years. I am used to the annual recertification process. This year, I chose to apply for the new XXXX plan under XXXX administration. I completed the application in early XX/XX/2024 and provided income information as I have the other times I recertified. It was not until about 3 weeks later that Navient informed me of a problem with my income documentation, which I promptly addressed. Since the end of XX/XX/2024, I have been informed of one problem with my income information after another, and have been asked to provide clarity on my income information. The length of time this has required ( because of how long it takes Navient to process information ) has led to exceeding the expiration date of my previous IBR plan and now threatens to increase my payment by a factor of 8, even though my income has remained the same. This is not fair. I need Navient to stop taking their time with processing my information and update my payment amount to reflect a new IBR plan. I have given them everything they have asked for very promptly, but they seem to be dragging their feet. Since I submitted my application well before the previous IBR plan expired, and the delay is only a paperwork issue, I should not have to wait this long and risk needing to have my loans placed in forebearance ( and accrue unnecessary interest at my expense ) when the delay is Navient 's fault.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 ) 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 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (FL)

Dear all, I took out a loan with Moneykey XXXX XXXX XXXX  and have realised the bi-monthly payments are too high and unaffordable for me. 
I have made payments already. 

I called Moneykey today ( XX/XX/year> ) to explain the situation and asked if I can make monthly payments instead of bi-weekly to help with the affordability issue and they refused. 
They advised they can not or will not reduce the frequency nor the payment amount until Ive paid off several months. The other option they have is to not pay and go into a past due status which will lead to credit score being affected and eventually collection. 
I spoke to both an advisor on the phone and their manager who both refused to assist. 

Please could you advise what options I have? 
Surely as Im not in arrears and trying to make a more affordable payment, they should be willing to assist? 

Regards XXXX XXXX
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I submitted a check of about XXXX into my checking account. I am a newer customer so was told they needed to verify the check which was standard. They called the issuer of the check as well as their bank and verified the funds. I was told by Citibank all would clear and the check was verified and I'd receive my funds within 3 - 5 business days. However, on XX/XX/XXXX I logged into mobile banking to see all funds frozen including my savings account and that my account was to be closed. I have called citibank nearly every day since then and visited over 6 branches and no one can give me an explanation or reason, and to simply wait for my account to close and wait 30 - 90 days to " potentially '' receive the check. The check has not bounced and the issuer does not have the funds anymore. Here is my case number with Citi executive response : XXXX.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XXXX. I went to business/wellsfargo making a deposit on XXXXusd XXXX with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.

Not to to mention Wells Fargo breaking sl, entering and searching my rental property
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MS)

Subject : Formal Complaint Against Wells Fargo for Unlawful Account Hold and Access Denial and Refusal to Close Account Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding the unwarranted hold placed on my account and the denial of access to my online banking services, and Refusal to Close my Account after several request. As a military veteran currently stationed in Ohio, I find myself in a distressing situation with no access to my funds and no viable means of resolving this issue due to the absence of Wells Fargo branches in the state of Ohio. Wells Fargo has placed a hold on my account, preventing me from making withdrawals and debits, while also denying me access to my online banking services. Despite my repeated attempts to resolve this matter over the phone, I have been met with refusal to verify my identity and provide me with the necessary access to my account. As a member of the military stationed in Ohio, I am unable to visit a Wells Fargo branch in person, as there are no branches of the bank located within the state. This has effectively rendered me incapable of resolving the issue through conventional means. 

Wells Fargo 's actions not only violate basic principles of customer service but also potentially infringe upon several banking laws, including but not limited to : 1. **Uniformed Services Employment and Reemployment Rights Act ( USERRA ) ** : Wells Fargo 's refusal to accommodate my military status and provide alternative means of verifying my identity and granting access to my account may constitute a violation of my rights under USERRA . 

2. **Electronic Fund Transfer Act ( EFTA ) ** : By denying me access to my online banking services without a reasonable alternative, Wells Fargo may be in violation of EFTA , which guarantees consumers the right to access their electronic funds. 

3. **Fair Credit Reporting Act ( FCRA ) ** : Wells Fargo 's failure to properly handle my account and provide adequate customer support may constitute a violation of FCRA, which requires financial institutions to maintain accurate and up-to-date customer information. 

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Wells Fargo provides me with immediate access to my funds and online banking services. Additionally, I request that appropriate actions be taken to hold Wells Fargo accountable for their disregard of banking regulations and their failure to provide adequate customer support, especially to military personnel. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

I recently sent in a complaint on here ( cfpb ) which focused on the fact that you keep sending my overdraft letters even though I'm receiving overdraft letters on transaction 's that i had enough of a balance to entirely pay for and I've been getting billed {$10.00} per month even though wells Fargo told me multiple times before that i wouldn't have to pay it if I've had XXXX transactions per month, which i have completed for the past XXXX months, meaning you stole {$260.00} from me. I even showed proof that the cfpb itself even states you owe me my money back, yet all i received as a response on the previous complaint was XXXX stating that wells Fargo did absolutely nothing wrong ( lets see how that goes in court ) and {$20.00} for my troubles, which id like to mention is you admitting guilt on your side. Its not coincidental that the XXXX you gave me was XXXX monthly {$10.00} fees refunded, which i have proof of before you do something stupid like trying to take them back. The previous complaint number is # XXXX
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

Hello, I am writing this due to a late payment being reported on my credit report. The late payment being reported was XX/XX/year> for a self-lender account XXXX. As a courtesy for a consumer with an exceptional payment history I am asking for a late payment being reported on XX/XX/year> during a pandemic to please be reversed to paid as agreed. During this time, I could have been dealing with covid. 

Due to the late payment being reported during a pandemic which was a difficult time for the world, it was not my intention to send the payment late. I'm not sure what the disconnect was that month. From my history you can see there was no late payment prior or after that date. So as a courtesy which I know can be given, I am asking for the late payment to be reversed to paid as agreed as it is hurting my chances of getting approved for other credit cards. 

I know and understand a courtesy can be provided and I have never asked for a courtesy in the past. Please find attached a copy of my exceptional payment history.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MO)

I received a denial for credit extension from ( mention the card company ). The reason provided was incredibly unbelievable, unethical, and confusing. The card company noted that the reason for denial was " too many recent applications, '' which is like saying, " We don't like you. '' However, this reason doesn't make sense as they did not deny me the right to extend credit via information from major credit bureaus. I want to bring to their attention that approximately six months ago, they granted me an account that was paid off and unused, which was closed due to inactivity. The application number for the same is XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-25
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: WELLS FARGO & COMPANY ()

I am a XXXX citizen that has stepped foot on US soil in over 10 years. My identity was stolen and used to open the fraudulent bank accounts. I was this case to be investigated and all charges be removed immediately as I didn't open the account. 
I am happy to provide any information Wells Fargo may need to assist them in this investigation.
Consumer complaint received 2024-04-15
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 (GA)

I ( XXXX XXXX XXXX booked a night at the XXXX XXXX on XXXX XXXX XXXX, XXXX, RI XXXX using debit card # XXXX on XXXX, XXXX, XXXX. When I checked in at the XXXX XXXX on XX/XX/XXXX, the hotel accidentally charged debit card # XXXX when charging for incidentals. They tried to refund me on their computers multiple times, but it didn't work. After XXXX month, I filed a claim with my bank, Chime. 

Chime has never called this XXXX XXXX a single time, yet continuously deny my claim and refuse to refund me my money back. 

Their denial email offers to show me documents used when determining the final outcome, but over a phone call they said these were unavailable. The fraud claim denial letter comes from an email that you can't respond to, and getting in contact with their phone service is incredibly difficult. 

These are deceptive and improper banking practices, they could easily just call the XXXX XXXX and speak with the XXXX to confirm the efficacy of my claim, but instead they choose to active deceive and deny their customers their due process and money owed.
Consumer complaint received 2024-01-08
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 (GA)

On XXXX  XXXX XXXX, I called Chime to dispute a charge. When I was able to talk to a person, he gave his name of XXXX XXXX. I told him I wanted to dispute a charge. At XXXX I began to see some activities happening on my Savings Account, and my checking account. By XXXX, XXXX XXXX  was removed and sent to the name above. I recalled Chime and this time I talked with a woman. At the start of the conversation, she knew that I was scammed. 
XXXX  I called Chime and was advised that my dispute was denied. 

So I must lose my money to a scammer, something that Chimes knows about this scam.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

A month ago I received emails from XXXX  saying I opened a credit card. I did not so I called the help line and they got XXXX down immediately. 2 Weeks ago I received 8 different emails from XXXX about an account being set up. I dont even work for the military, neither do my parents so how that got approved is beyond me. Luckily they shut the account down. Today I notice 2 Pnc login passcode attempts so I call and tried to speak to a lady then got disconnected. I speak with a next man an he just says sometimes it glitches. I told him well I am concerned because someone has been stealing my info. He just said that nobody can get in my account without the passcode.
Consumer complaint received 2024-01-07
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 (CO)

On XX/XX/2024 a {$120.00} charge was made on my debit card, I did not authorize the charge, recognize the charge and even contacted the merchant listed on the charge for information. Neither myself or the merchant recognized the charge and had no information regarding the charge or what it was for. I contacted my bank the next day to report the debit card charge as fraudulent/unauthorized and Chime immediately emailed me saying no fraud has occurred I called to re-open the dispute the next day, immediately received an email determining the charge as an authorized charge. I called them again to let them know the charge was definitely not an authorized charge and was fraud for now the XXXX time I called asking for more information on their decision of the charge being authorized by me even though I had clearly stated now XXXX times the charge was not authorized, I did not recognize it and it was absolutely fraud. Chime is still unable to provide any supporting reasoning. 
I re-opened the dispute a third time this time with supporting documentation for my dispute from the actual merchant this scammer is using as a cover name and they confirmed there is a scam going around using their name and they have no record of me in their system, no charges or purchases and the charge was definitely fraudulent. Even with this supporting evidence, received a third denial from chime with no supporting documents they had determined the charge to be authorized and not fraud I am at a loss of what to do next..
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MA)

I received a Chase credit card in the mail I did not apply for on XX/XX/2023. I checked my XXXX account and saw there was a credit report ran by Chase on XX/XX/XXXX. I called Chase on XX/XX/XXXX to ask if the credit line was active and was told not only was it active but there were already charges on the card although I had just gotten it and it was still attached to the mailed paper. I believe the charges were from something XXXX and a XXXX XXXX. After explaining this, the card was going to be frozen and I then called XXXX to file a report. I called immediately after also on XX/XX/XXXX were an official report was done after being transferred to a specialist for the inquiry. Now I am waiting to file a police report and finishing this report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Since last year of 2023 this only account which is not reporting on XXXX, XXXX I've dispute certain information present on my credit report provided by Experian, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into the discrepancies and the immediate correction of the inaccurate information. Upon reviewing my credit report obtained from Experian, I have identified several inaccuracies that are of significant concern. These inaccuracies are not only damaging to my creditworthiness but also constitute violations of federal laws designed to protect consumers ' rights and ensure the accuracy of credit reporting. Under 15 U.S.C. 1681i ( 7 ), Experian is required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Furthermore, the inclusion of inaccurate information, such as [ Dept Of Education XXXX ], violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. Moreover, the inaccuracies on my credit report may also constitute violations of 18 U.S.C. 242, which prohibits deprivation of rights under color of law, as well as 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information. I am enclosing copies of documents that support my claims and aid in the investigation. I request that Experian conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify the inaccuracies promptly. Additionally, please provide me with written notification of the results of the investigation and any actions taken as a result. Furthermore, as per federal law, I request an updated copy of my credit report reflecting the corrections made after the completion of the investigation. Failure to adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law. I expect a swift resolution and the accurate representation of my credit history
Consumer complaint received 2023-07-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-01
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. (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX bank 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.