davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CT)

Regarding Case # XXXX Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my wallet at the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). Lastly, I reviewed my XXXX credit report and found the fraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) XXXX  Invoice showing a different name ( XXXX XXXX XXXX XXXX XXXX and address XXXX ) Signed letter from the person who authorized the charge without my knowledge and an acknowledgement that I personally received no benefit as a result of this transaction Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.
Consumer complaint received 2023-07-07
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: CITIBANK, N.A. (CA)

On XX/XX/2023, we opened a dispute in the amount of {$4300.00} for a returned XXXX item. This item was returned to XXXX on XX/XX/2023 and confirmed as delivered on XX/XX/2023 with XXXX tracking and a XXXX pickup receipt corroborating the return. XXXX sent " evidence '' to Citibank showing that the item was delivered and Citibank decided in their favor.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-17
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: AMERICAN EXPRESS COMPANY (GA)

XX/XX/2018, I contacted the credit card company American Express to complain about a payment of XXXX had been sent to the wrong location. The credit card company told me that they could not cancel the payment I would have to contact the bank. The bank ( XXXX XXXX ) refused to cancel the payment. I even went to two branches in my local area and they still refused to do anything to assist with the situation. American Express even deducted funds from the payment of XXXX that they were not supposed to have received. I contacted American Express XX/XX/2018, and I was advised by ( XXXX ) that a check would be mailed next business day. American Express still has not processed the check and are still deducting funds from the payment they were not supposed to receive despite the fact that I have complained several times about the situation. 




P.S. I have also had an issue with American Express accepting payments but not updating credit balance.
Consumer complaint received 2023-06-03
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. (LA)

XXXX XXXX account XXXX Date open XX/XX/XXXX  balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XX/XX/XXXX  balance XXXX both this debt was settled with collections and TransUnion XXXX and XXXX will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am writing to express my deep concern and frustration regarding the handling of my Wells Fargo XXXX  account, which has led to the blocking of my account and the unavailability of funds. 

In 2015, while visiting the United States on a visitor visa, I opened a checking account with Wells Fargo. During my stay, I deposited approximately {$2000.00} into this account. However, upon returning to my home country, I received notification that my account had been blocked, and I was no longer able to access my funds. 

Upon reaching out to Wells Fargo 's customer service team recently, I was informed that my funds were transferred to a federal entity and are now deemed unreachable by me. This has left me deeply concerned and dissatisfied with the handling of my account. 

I believe that there has been a lack of clarity and transparency in the communication regarding the status of my account and the transfer of my funds to a federal entity. As a customer, I expected to be informed of any issues or concerns regarding my account in a timely manner and to be provided with clear steps to resolve any issues. 

Therefore, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I request a thorough investigation into the handling of my account by Wells Fargo and the transfer of my funds to a federal entity without my consent or clear explanation. 

I kindly request that you review this matter promptly and provide me with updates on the status of my complaint. I am hopeful that through your intervention, a resolution can be reached, and I can regain access to my funds. 

Please do not hesitate to contact me if you require any further information or clarification regarding my complaint. I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

I have a checking account with PNC Bank, the company I work for pays me with a check and every time I deposit my check the money is available the very next day except my most recent check which I deposited on XX/XX/2023. The next day I get a message from PNC Bank saying that my deposit is being held for reasons beyond their control but when I called my boss ( check issuer ), he called his bank and the said that the check was paid the same day it was deposited. So why is PNC holding specially when I live paycheck to paycheck and I have automatic payments coming after my deposit? PNC Bank then decided to pay the items presented as automatic withdrawals and then proceeded to charge me {$36.00} as overdraft item fee. This is a practice I have seen other banks do because they have done it to my spouse and I think it should be illegal.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (FL)

My wise ( https : //wise.com/ ) account has been deactivated on XXXX XX/XX/2023 without any reason they even didnt inform me regarding any deactivation. when I contacted customer support they said account has been deactivated and said they will not tell the reason of deactivation. Then I continued to contact them again and again but they didnt give me a proper response. There are XXXXXXXX XXXX in it. This is the first response I received from them ( XXXX XXXX, Thanks for contacting Wise. 

XXXX received your appeal, and your ticket number is XXXX. 

Please, make sure you are contacting us from the email associated with your deactivated account. If you contact us from a different email, we wont be able to review your appeal. 

Our team will be in touch with any updates. This can take up to 20 working days. We wont be able to reply to any questions before this time. 

Thanks, The Wise team ) one and a half month has passed but didnt receive any satisfactory response from them.
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I XXXX went to my mortgage company wanting a modification they give me XXXX saying it was in house I could afford my mortgage then they came back saying the house mortgage is over an give me permanent modification that was to high I ask for a lower interest rate other than the 6 % they give me they said they do n't have to I could not afford the mortgage an it got me behind in my payments. I had to go to my XXXX to get money to try an make those payments an that got me in trouble with the IRS an trying to make the house note left no money for anything else
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (DC)

NOTE YOU REPLIED THAT XXXX XXXX NEED MY AUTHORIZATION I GIVE PERMISSION TO REPLY TO MY CONCERNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOUR COMPLAINT Open account with ( WELLS FARGO ) XXXX XXXX FUNDED Account with Legal Tender FINANCIAL INSTRUMENTS # XXXX AND account FEDERAL RESERVE BANK XXXX CHECK FROM ACCOUNT XXXX ACCOUNT WAS OPENED WITH UNLIMITED PREPAID FUNDING FROM FEDERAL RESERVE BANK XXXX WHICH WAS ESTABLISHED WHEN I WAS BORN ON XX/XX/XXXX WHEN MY MOTHER SIGNED ME OVER TO THE FEDERAL GOVERNMENT WHICH IS NO LONGER IS MY EXECUTORS OR ADMINISTRATORS I AM THE SOLE BENEFICIARY OF MY FEDERAL RESERVE ACCOUNTS XXXX AND XXXX FEDERAL RESERVE BANK XXXX NO XXXX HAS ANYMORE POWER OF MY UTILITY STRAW MAN THAT WAS CREATED AFTER CERTIFICATE OF LIVE BIRTH CREATED BY THE XXXX XXXX! XXXX order by my Father XXXX  TO OPEN MY ACCOUNTS WHEN I GOT ACTIVATED 2 YEARS AGO AND THREW ME FOUNDING OUT ALL THIS INFORMATION OUT NOW HERE COMES ALL THESE WITCHES CULTS AND SECRET SOCIETIES AFTER MY XXXX   SENDING NEGATIVE VIBRATIONS AND PUTTING SPELLS ON MY FINANCIAL INSTRUMENTS # XXXX ALL I DID REPENTED AND TURN TO MY CREATOR # Amen who is my Father in Heaven the one who sent me to save humanity and told me if your doing right then continue to do my Father Will to Promote my XXXX with Love, Peace and Prosperity I ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) THE ONLY THING I DID BUSINESS WITH ALL THESE BANKS AND AGAIN IF I DID ANYTHING WRONG THEN I SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF MAN LAW RIGHT? SO I GIVE AUTHORIZED REPS FROM WELL FARGO TO ANSWER THIS MATTER TO THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WILL NOT BE TREATED LIKE THIS BY MY BIRTHRIGHT I AM GIA MOTHER EARTH TRUTHFUL RULER ... AND THE PEOPLE WILL SAY AMEN
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (LA)

I am currently going through a legal case where my account was charged twice for a rental by Enterprise. I disputed it multiples with Chase but they stated that they could not do anything about it. I told them I was only liable for 1 charge but Chase stated that they could not reverse it. I told them it was fraudulent and had no other issues with my account until this happened in XXXX. I asked for proof of the secured messages because I wrote a check that did not clear in XXXX because my account was closed. The XXXX  office requested information about the fraud I reported to chase. I went to 3 chase banks and called mulitple times to only get they no longer have this information on file. Chase issued me a new card due to the fraud. I am in a bad situation because I cant get proof from Chase even though I reported it to them multiple times by phone and in the secure banking portal. I was a victim of identity theft XX/XX/year> and filed that information as well with the FTC and my local police. They will only drop the charge if Chase produces the information i've asked for repeatedly.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

Around the beginning of 2022 I started getting letters from CitiBank claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called CitiBank directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as CitiBank and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm sending pictures of two of the many letters I've received.
Consumer complaint received 2023-11-20
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. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2023-03-18
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. (GA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$69.00}.
Consumer complaint received 2023-11-20
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. (TX)

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 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  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 2018-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

On XX/XX/XXXX I tried to schedule a payment with Freedom Mortgage Company in the amount of XXXX the amount of my current mortgage payment. I TRIED to make the payment by XX/XX/XXXX payment options that were available each payment option told me I was not able to make the payment because I did not make the payment in full ( including late fees ) I was told by multiple supervisors that the late payments could be done at any time and was not required to be made at time of monthly payment. I feel discriminated against because I had financial difficulties in the past and I am now trying to get my finances in order however Freedom Mortgage Company 's payment system is basically designed to not allow you to make your current mortgage payment ... it makes you pay the entire amount in full when it States you can make your monthly mortgage payment free of charge however the system only allows you to take advantage of the free options ... if you don't have any past due balances ... this disclaimer is not stated on any documents. For people who get paid on the XX/XX/XXXX and it clearly states I have until the XX/XX/XXXX to make my payment they allow no free options like they do for regular customers this is very deceptive practices. There is no time to mail a payment so the only option there is ... make a payment over the phone with a representative ... so because I had financial difficulties in the past ... Im being punished with a XXXX fee each month because I have no other options available to me to make my mortgage payment free of charge. I can't help when an employer decides to pay its employees and I shouldn't be penalized either.
Consumer complaint received 2023-11-20
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. (NY)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (NY)

I have finished my lease term and am looking to purchase the vehicle. During my lease term, I filed a XXXX  XXXX bankruptcy. This loan was not included in the bankruptcy. A re-affirmation agreement was signed and included in the bankruptcy court. Due to my account being flagged as bankruptcy, which it should NOT be due to the re-affirmation agreement, I have limited access to my online account with ALLY. I am not able to use the chat or email function or access my lease end paperwork. When I call ALLY, because my account is flagged as bankruptcy, they automatically transfer me to the " post bankruptcy '' department after pleading with them not to. I have spoken to post bankruptcy department almost XXXX times. I have been given XXXX different amounts as the amount I need to pay. Ashin in post bankruptcy told me the amount I owe is {$15000.00}, then he said {$16000.00} and then it changed to {$18000.00}. When I asked him why the difference he was unable to answer. I asked for the paperwork to be mailed or emailed to me so I can review it and he said that is against the policy. He would only fax. I provided a fax number and was told I would receive the information in XXXX hours. This was on XX/XX/year>. I have not received a fax as of XXXX today XX/XX/year>. I attempted to call yesterday and explain the situation. I asked for a supervisor and was refused. I was placed on hold until ultimately I was hung up on. I called again XX/XX/year> and attempted to have the paper work faxed. The representative said XXXX hours. I have not received any paperwork to but the lease and can not get through to a supervisor or another department to assist. I am starting to feel as though this department is trying to scam money out of me.