davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX {$5000.00} was withdrawn from my savings account without my authorization through online banking ( which I have never used ). The next day, on XX/XX/XXXX another {$5000.00} was withdrawn from my savings account and {$5000.00} was redeposited into my savings account. All transactions without my knowledge or authorization and coming from accounts completely unrecognized. On XX/XX/XXXX a letter was mailed out from Wells Fargo alerting me of their discovery of unusual activity or updates on my account in regards to the above transactions. After receiving this piece of mail I went to my local Wells Fargo branch as soon as possible on XX/XX/XXXX to find out what was going on with my accounts. During this visit to my local branch I was told there was fraudulent activity on my account and to create a new checking account because my old one was compromised. I ordered new checks, changed auto-pays to the new account, etc. I was also told I will be made whole in roughly XXXX business days by Wells Fargo personal banker XXXX XXXX. I returned to Wells Fargo for any updates on XX/XX/XXXX and was then told by personal banker XXXX XXXX that it was my savings account that was compromised not my checking account. I then proceeded to have a new savings account created and my old one closed. Furthermore being assured I will be made whole by the bank in roughly XXXX business days. After this, I received a letter mailed on XX/XX/XXXX from Wells Fargo stating our research shows the transactions were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Which is absolutely false. I then filed a police report on XX/XX/XXXX with a sworn in statement indicating that I did not make any of the above banking transactions. I then went to the local Wells Fargo branch on XX/XX/XXXX to dispute the letter I received in the mail and let them know I filed a police report. I was advised by the police to enquire with my bank on the location of the transaction and the time an online account was opened under my accounts. I was told by both personal bankers XXXX XXXX and XXXX XXXX that theyre unable to give me that information. I was told by them they were going to escalate my claim and try to have it reopened again. I then received a letter mailed on XX/XX/XXXX stating well respond within XXXX business days from the date you contacted us. in regards to my accounts.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding the failure to receive the promised welcome bonus associated with my American Express XXXX Credit Card, account number ending in XXXX. 

In XX/XX/XXXX, I successfully applied and was approved for the AMEX XXXX Credit Card with the enticing welcome offer of {$200.00} cash + XXXX points upon spending {$6000.00} within the first six months. Excited by this offer, I diligently met the spending requirement by the second month of card ownership. 

In XX/XX/XXXX, I proactively reached out to inquire about the status of the welcome bonus. During my conversation with Associate # XXXX, I was assured that the bonus would be issued by XX/XX/XXXX. 

However, upon contacting American Express again on XX/XX/XXXX, I was dismayed to learn from Associate # 2 that the decision had been made not to provide me with the welcome bonus. Subsequent conversations with Associates # 3, # 4, # 5, # 6, # 7, and # 8 have only added to my frustration, with conflicting information provided and no concrete resolution offered. 

I would like to bring to your attention the following points in my defense : When applying for the XXXX credit card, I did not encounter any pop-out window indicating that I would be ineligible for the welcome bonus. Furthermore, this was my first time applying for this specific credit card. 

I fulfilled the spending requirement of {$6000.00} within the stipulated timeframe as required by the terms and conditions of the offer. 

Multiple associates, including Associate # 1, Associate # 3 and Associate # 4, confirmed on separate occasions that I would receive the welcome bonus, first by XX/XX/XXXX and then by XX/XX/XXXX. 

The inconsistency in communication and the repeated delays in resolving this matter have severely eroded my trust in American Express as a reputable financial institution. 

Based on the above, I request a thorough investigation into this matter and a reconsideration of the decision not to honor the promised welcome bonus. Additionally, I expect clear and transparent communication throughout the resolution process. 

If a satisfactory resolution can not be reached, I will have no choice but to explore further options to address this issue, including seeking assistance from local small claim court. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

There was a charge for {$12.00} for XXXX XXXX on XX/XX/XXXX on my XXXX XXXX XXXX with TD Bank . I was not aware of the charge as I had not approved of any charges to this account. This account was {$0.00} balance for over a year. I found out when I saw that my credit score went down. I went in and made the payment to mitigate any further damage to my score. Over the past year ( it has been longer now ), I called XXXX and also TD Bank to resolve the unauthorized charge. I created this account back in XXXX when I got my cell phone in XXXX. I never enrolled in XXXX XXXX. By XXXX, I no longer had this phone. I was told by XXXX they would remove the random charge but nothing has been done. I told the bank this was a fradulent/incorrect charge but they keep pushing it back to XXXX saying to resolve with them. Neither is providing any adequate assistance in either removing the charge or providing me with support that this charge was authorized.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX IS VIOLATION of MY CONSUMER RIGHTS XX/XX/2022 XXXX XXXX XXXX  reported that I was late making a {$47.00} payment. THIS IS NOT TRUE OVER THE YEARS I HAVE NEVER BEEN LATE ON THIS ACCOUNT UNDER 15 USC 166B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME. THIS IS ASN ERROR THIS ACCOUNT IN VIOLATION. UNDER 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. I never received full disclosure to opt out this is deceptive practices. 

This has caused immense harm to my daily livelihood. I have not been able to obtain credit and this is really draining me mentally.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. 18 U.S.C 1028 is the federal statute used by prosecutors to charge someone with identity theft. I want this issue resolved, and off my credit report ASAP or I will have to take litigation procedures.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

On XX/XX/XXXX, I received a notice in the mail from Lake View Loans ( under the XXXX XXXX umbrella ) that my property address was now considered in a flood zone ( Flood Zone AE- highest level of flood zone ) due to new updated FEMA flood zone maps. It stated that we had 45 days to obtain flood insurance or else it would be purchased on our behalf for an amount of {$2600.00} to the servicer XXXX XXXX XXXX. Please note that this notice was received about 2 weeks after our loan had been transferred to Lake View Loan. 

I called my insurance broker ( XXXX XXXX ), who called out to 3 different insurance policies, which all reported back that we were in XXXX XXXX XXXX ( which is not a flood zone ) and that they would be unable to even issue a flood insurance policy since we are not in a flood zone. 

After getting this information, I called XXXX XXXX and Lake View Loans, which continued to state that their hands were tied and that I needed proof from FEMA that my address was not in a flood zone. I asked if they would be able to post-pone the 45 days that they were giving me to get insurance, since I had called with an inquiry that the flood map was incorrect, and they denied this claim. They gave me the number to call FEMA.

I called FEMA immediately after getting off the phone with Lake View Loans, which walked me through step by step on how to pull up my address on a flood map. My address was pulled up and the FEMA representative also agreed that we are not in a flood zone and proceeded to say that it is " up to the mortgage companies interpretation of the flood zone map '' to determine if they are going to require flood insurance. The only way to prove this is to create an appeal with FEMA, which can take 60 days to complete. I completed the request for the FEMA flood map appeal on XX/XX/XXXX, but the expected completion date is XX/XX/XXXX ( after the given 45 days to obtain insurance ). In addition to this, FEMA stated ( and seen clearly on their website ) that they have not updated the flood maps in my area since XXXX and the claim that " FEMA recently changed the flood maps in my area '' was false information. This indicated that Lake View Loans clearly lied on the noticed that required me to obtain flood insurance.

After further investigation, the company that Lake View Loans was going to purchase flood insurance on my behalf ( XXXXXXXX XXXX XXXX ), is owned and operated by XXXX XXXX. Thus, they are requiring for me to obtain flood insurance, I am unable to obtain flood insurance on my own since I am not in a deemed flood zone, and forced to pay the parent company XXXX}. XXXX XXXX has also been under litigation and lost under prior investigations for mortgage fraud. It is under great suspicion that this is another cause of fraud, as they are forcing me to purchase unwarranted flood insurance through their own company.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I started a new complaint to clarify. It's OK to close my other open complaint. As things evolved, they became more clear. 

I was denied an affordable apartment due to inaccuracies in my credit report. My complaint is against Transunion. They have multiple errors still on the report, long after the 30 days. For example. my XXXX credit card was paid in full on XX/XX/XXXX. As of today 's date, XX/XX/XXXX, it is still showing a balance. Also, the write-off amount is incorrect. It's a settled, paid-in-full account. Also, my XXXX account is still showing a balance after 30 days. I had to dispute other information from XXXX and XXXX that was also inaccurate and/or slow in updating the information. My score is up significantly after I " won '' these disputes. However, XXXX and XXXX are still reporting incorrectly, long after 30 days ( over XXXX months in XXXX 's case ). 

Transunion has been extremely slow in updating negative information. The other credit reports have been updated, yet Transunion is still showing balances and inaccuracies. These inaccuracies contributed to my affordable apartment being denied, which created irreparable harm.
Consumer complaint received 2024-01-30
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 (TX)

XXXX XXXX  app charged my chime account for {$350.00} on XX/XX/2023. I was supposed to rent a vehicle from them for a week. I was told that my account was on hold due to XXXX  issues so I did not get to keep the vehicle. I owed XXXX  {$58.00}, but my full {$350.00} deposit was still withheld. XXXX told me my bank received it back but chime keeps telling me XXXX  has it. It has not been almost 2 months.
Consumer complaint received 2024-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Massachusetts Educational Financing Authority (MA)

In XX/XX/year> I took out a loan with MEFA for {$23000.00}. I was XXXX with no credit so my dad cosigned it. I made a payment of {$130.00} every month for XXXX YEARS and not a dollar went towards the principal balance. It was explained to me and my dad that we would pay the interest during school so we would pay less interest once I XXXX. My principal balance stayed at {$23000.00} even after paying over {$6000.00} the first 5 years. That it self is horrible. Now, I am XXXX and make a payment of $ XXXX {$400.00} a month to try and lower my balance. I pay ( not my dad ) around {$4000.00} a year for this loan. However, because my dad is a cosigner the tax forms are in his name so I can't use the tax benefit and because I am not a dependent - he can't use the tax benefit. I am unable to have a cosigner release. I have tried multiple time after paying my monthly balance on time for over 8 years and still no. This is not ethical.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (GA)

18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report.
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (AL)

I received a phone call from XXXX XXXX XXXX telling me there was legal action taken against me & to call ( XXXX ) XXXX. I called & spoke to a man named XXXX. He told me there was a XXXX against my property for an account with Providian from XXXX to XXXX in the amount of {$4300.00}. He asked me to settle the debt. I asked him to validate the account with paperwork & he said I will receive the validation when I get summoned to court in XXXX XXXX Alabama ( I didnt live in Alabama XXXX XXXX ). He proceeded to get loud & rude refusing to verify the account. 
I called back to request the address so I could send a letter of validation. The man who answered the phone said he just started yesterday & didnt know & would transfer me. Another man answered saying he was the supervisor in the legal audit department ( it was XXXX again ). I asked for the address so I could send a letter of validation request & he said he is not required to give me an address. I asked for a supervisor phone number & he said I am the supervisor & he does not have to give me an address. He then went on to tell me I can validate the debt when I go to court or I could have my attorney call tomorrow. I told him he was required to give me an address & he refused. He said I would be served in a few days. 
I filled for bankruptcy in XXXX. I had no income & it was a XXXX  XXXX. I had XXXX credit in XXXX.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (FL)

In accordance with The Fair credit reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX XXXX act # XXXXXXXX XXXX XXXX : act XXXX XXXX XXXX XXXX : act # XXXXXXXX XXXX XXXX XXXX act # XXXX, XXXX : act # XXXX, XXXX. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX  : act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXXXXXX XXXX : act # 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. 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 XXXX XXXX 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 the information is inaccurate.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (GA)

My only name is XXXX XXXX My only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My only employer is XXXX XXXXXXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Requesting ECOA notice and statement of specific reasons for application denial for Chase Sapphire Reserve credit card submitted by corporate surety XXXX XXXX XXXX on XX/XX/24 under 12 CFR 1002.9 ( b ). Application was submitted on the JPMorgan Chase website as evidenced by the circled inquiry on page 12 of the " XXXX '' credit report attachment to this complaint.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy.

- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802.

- These corporations does not have my consent to report my information.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (OH)

I ordered my early warning services report and my entire banking transaction 's are listed in that report. According to early warning services the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and Early Warning Services are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Consumer complaint received 2024-01-31
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: GOLDMAN SACHS BANK USA (TX)

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$51.00} Amount to be rebilled : {$51.00} The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$51.00} had been charged back by the merchant, yet they continue to demand payment from me. 

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX