davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I received a cashback deposit from Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX i received a mobile banking alert that my balance was now {$0.00}. When i went to log it to see what was going on i was advised my account was closed. I inquired via chat and via phone call as to why my account had been closed with no warning. Both times i was told they they would not discuss the reason with me and i would just have to wait for something in the mail. I did not commit any banking violations and Wells Fargos outright refusal to even explain the reason for the closure is outrageous. A month ago they had a technical issue that left me with a negative balance although i had just received my paycheck via XXXX. Im not understanding how a company who will erase all trace of peoples hard earned money is about to steal money from consumers and close their accounts at will and refuse to give a reason why. Furthermore, when i opened this account it was incentivized by a {$300.00} bonus that was to be credited to my account after making direct deposits adding up to at least {$1000.00} within the first 90 days that i had done within the first 2 weeks of account opening and now i am being told that on top of the unexplained closure, i also no long qualify for the incentive that was promised even after i had completed all requirements which is text fraudulent activity. Wells Fargo must be held accountable for the harm they have caused and continue to causes consumers.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have called emailed about 7 times I have had a credit balance for now over 30 days from borrowers defense payments back to my acct they refuse to release my funds to me .it 's owed I have a credit
Consumer complaint received 2023-04-17
Product: Credit card or prepaid 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: Klarna AB (OH)

In XX/XX/XXXX I received a duplicate charge to my XXXX card for initial payment in a 4-part installment plan for a ticket purchased from XXXX. I've contacted both XXXX and Klarna for 10 days and neither company will take responsibility for the duplicate charge. I've sent confirmation from XXXX that the duplicate charge was voided but Klarna continues to threaten to charge my card and says XXXX is the only party who can resolve this. Klarna has told me to stop contacting them unless there is new information. Duplicate charge : XXXX or XXXX Valid charge : XXXX or XXXX I've disputed the duplicate charge with XXXX on XX/XX/XXXX.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc ()

Subject : Urgent : Assistance Needed with Funds Held for 180 Days Dear PayPal Support Team, I hope this message finds you well.and I am writing to bring to your attention an issue I am currently experiencing with my PayPal account. 
It has come to my attention that a certain amount of funds in my account has been placed on hold for the past 180 days. I understand that this measure is part of PayPal 's security protocols ; however, I am now seeking assistance in releasing these funds as the hold period has elapsed.
Consumer complaint received 2023-09-14
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (SD)

Well Fargo fraud department is getting completely ridiculous after XXXX months. I can never get hold of My case workers, no extensions left on voice-mails and ger excuse, after excuse. I was told Friday to wait until Tuesday to get notified by some XXXX? Don't know a XXXX, I don't want XXXX on any case. Then told some XXXX called me at XXXX XX/XX/XXXX, left voice-mails but nobody can find her, what the heck wells fargo. This company still owes me refunds in unauthorized payments from XXXX XXXX to present. See no change, I never opened any accounts with company
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX at XXXXXXXX XXXX I received an email about a {$300.00} ATM withdrawal which occurred on XX/XX/XXXX at XXXXXXXX XXXX  at XXXX XXXX XXXX CA from ATM XXXX. 

As soon as I saw this email come in while I was at work in XXXX, CA in a meeting, I immediately logged in to my account to see what was going on. I noticed another ATM XXXX withdrawal in the amount of {$700.00}. I then turned off my card on XX/XX/XXXX at XXXX XXXX 

On XX/XX/XXXX at XXXX XXXX  I received an email that my ATM card was declined from XXXX XXXX XXXX XXXX CA for the amount of {$480.00}. 

On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to discuss the situation and the agent helped me file a dispute for the two ATM charges. I was on the phone with the agent for XXXX minutes. I informed the agent, I had my physical card which was going to expire by the end of XXXX, but that I did see my new card was in the mail. I could see this through USPS informed Delivery which emails pictures of envelopes you will be receiving in the mail. I informed them I had not yet picked up the envelope from my mailbox. When I got home on XX/XX/XXXX around XXXX XXXX I checked the mailbox and this new card envelope was never inserted into my mailbox. 

After submitting the claim, I waited for the bank to resolve the issue but had not heard anything and called them to get an update. The agent informed me the dispute was denied and that I would receive decision information in the mail. They did not have much additional information to provide. This letter came in the mail today XX/XX/XXXX and this is why I am now submitting this claim with the CFPB. 

I have banked with WellFargo since XXXX. This is one of three disputes I have ever submitted and my banking history should provide enough reason to prove these were not my withdrawals. If I had not done my due diligence in monitoring my personal email, not only would a charge of {$480.00} occurred from XXXX XXXX, who knows how much else would have been stolen. Wells fargo should take responsibility for not doing their due diligence and approve the dispute and return the {$1000.00} to my account. Especially, considering these withdrawals were taken from Wells Fargo ATMs.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XX/XX/27 cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.
Consumer complaint received 2023-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NC)

Please note, the pre-determined categories do not fit my situation, so I selected what I thought was the closest to my situation. 

On or about XX/XX/, Midland Credit Management contacted me via email regarding a XXXX card I once held. In the email, the Midland indicated they would like to set up payment arrangements to resolve the debt and that the debt was in a " Pre-Litigation '' status. I called Midland Credit Management at XXXX and spoke with XXXX XXXX. XXXX advised that I could enter a repayment agreement where an initial payment would be made by the XXXX of XXXX and then bi-weekly payments would begin. After determining an amount that I could afford, I agreed to go forward with repayment. XXXX began processing the repayment agreement and advised me that I was required to do a pre-authorization for ACH withdrawals for the payments every two weeks. I advised XXXX that I would not be willing to do that but would most certainly pay online, as there is an online feature to pay. XXXX then explained that I was REQUIRED to pay via pre-authorization for ACH and that I had no option. I refused and ended the call. 

On XX/XX/, Midland Credit Management sent me a " Pre-Legal Notification '' via XXXX. I reviewed the notice and learned they wanted to negotiate payment arrangements for the account. I contacted Midland Credit Management via XXXX and spoke with an XXXX XXXX. XXXX inquired as to what I wanted to which I responded that I was responding to their letter sent via XXXX. XXXX went on to explain that I could enter a repayment agreement, but that I would be REQUIRED to do it via pre-authorization of ACH and if I did not do this, I was refusing to pay. We went back and forth as XXXX attempted to explain that Midland Credit Management is the biggest company and very professional at what they do. I responded by again reiterating my desire to have a repayment plan with the company but that I would gladly make my payments online. XXXX explained that because I would not do a pre-authorization of ACH that he could not allow me to enter a repayment agreement and that this was a refusal to pay. I explained that I am not refusing to pay, I am refusing to give Midland Credit Management an ACH pre-authorization. XXXX responded by telling me it was the same as refusing and further that I do not have the right to call " up there '' and tell them what I am not going to do. XXXX explained that I MUST allow pre-authorization of ACH. I told him again that I would not allow this, and he proceeded to tell me that they were sending the case to a local attorney and that my wages would be garnished, and my bank account levied. When explained that wage garnishment is not an option, XXXX proceeded to tell me that it was and that this is what will happen because I am refusing to pay because I will not provide a pre-authorization. I do believe the call was recorded. I disconnected the call.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXXXX/XX/XXXX cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

Tower Loan the agent here in XXXX Louisiana, called my girlfriend and told her I was 2 months behind and if I didn't pay by tomorrow they are coming confiscate some of my personal belongings and ask her if she knew about my loan and she said no and the agent told her well that's not not being honest with you, your man is lying to you, so now I'm arguing with her and about to lose my son 's mom over that lady telling my personal life to her its wrong and against the law
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (LA)

My mortgage was transferred to Freedom Mortgage prior to the first payment. The first payment was due on XXXX XXXX XXXX. We paid the amount due for XXXX on XX/XX/2023. On XX/XX/2023 I was advised by email that Freedom Mortgage had not paid the insurance the insurance would be cancelled if payment was not made on that date. I called Freedom Mortgage and spoke with XXXX XXXX. She acknowledged that payment had not been made and said she could remedy the problem by making a credit card payment to the insurance company. She advised that there would be a 2.99 % charge on the credit card which amounted to {$120.00} and that amount would be billed to me and added to the principal. 
I have done everything correctly under the contract and should not have to absorb a cost due to their incompetence.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I send a notice to close escrow in XXXX. They finally closed it in XXXX. Sending me a letter that I was going to get my money on escrow back. They have refused to send it for 5 months.
Consumer complaint received 2023-11-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My Chase personal checking account hacked from XXXX, FL {$2700.00} approximately. XX/XX/2023. Fully reimbursed. 

XX/XX/2023, also from XXXX, FL, {$2200.00} Chase debit card PIN used. I filed a XXXX XXXX, CA Police report. Chase has denied my claim. Even though it appears the same XXXX, FL involved in both hacks, fraud. Same individual. Apparently. I have never been to XXXX, FL. Know no one there. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-14
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. (NC)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act the list of accounts below has violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 Trans union 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes  which antedates the report by more than seven years 15. u.s.c . 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-14
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 (GA)

XX/XX/XXXX contacted Wells Fargo Dealer Services. Customer Service would not investigate, and after several years tried to get the incorrect information corrected. Dated XXXX XX/XX/XXXX. 

Account : Wells Fargo Dealer Services Acct # XXXX No information or validation. They do not investigate, they only go in and look at a computer. No validation of the mail, what procedure is used. 

My rights have been violated by the following : - Sharing of my report and posting inaccurate information - the credit report is hindering me and my family from good standings with is costing me and my family more money to acquire better credit scores- Sharing of my report to all creditors that I apply for with the following statement -- " Serious Delinquincy '' This is an adverse condition
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- -XXXX XXXX -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.