davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

I opened a CD account of {$20000.00} online under Wells Fargo on XXXX XXXX Fri., 2023. Wells Fargo opened a CD account of {$200000.00} under my name on XXXX XXXX Fri., 2023, {$180000.00} is not coming from any of my accounts within Wells Fargo or transferred by me from any other places since I don't have such amount of money. On XXXX XXXX Sun. 2023, I had made 2 calls to Wells Fargo ( XXXX ) in the morning and tried to let them know what happened but they can't solve it and asked me to call another no. ( XXXX ) from Mon. to Fri.. I called XXXX in the morning of XXXX, 2023 ( yesterday ), and the banker told me that he will need to go to another department then call me back. He called me back and asked me to call XXXX, I called and they can't solve it and asked me to go to bank counter for solution. I told them that I am not close to any of their branches, and who is paying my time/transportation and such, I am not the one who made the mistake and they should solve it internally. Wells Fargo made a mistake and I informed them. It is also suspicious that Wells Fargo could fraudulently stash the money that is not belonged to me or any account holder in the CD accounts or any individual account due to the scandals Wells Fargo had.
Consumer complaint received 2024-04-06
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

My account has been hacked with Navy Federal. I have been a customer with Navy Federal since XXXX. I had XXXX personal accounts with Navy Federal. Along with XXXX business accounts with Navy Federal. Once my account got hacked I have only had problems with this bank. I got paid from a customer and deposited a check in my XXXX account XXXX  XXXX XXXX which made my account negative. That account was cleared up before Navy closed all of my accounts including my credit card which damages my credit. I will be complaining and filing complaint issues to several State entities because this is wrong. I am not the issuer of the check if someone writes me a bad check. This check went into XXXX account which effected all of my accounts. This issue has caused a huge headache with bounced payments and more. I have been treated like this because I am a XXXX man. Everytime I had issue with this bank and I go to any branch it was a problem. I have nothing to do with the banks view on other people. I am jusrt trying to bank responsibly if allowed.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (FL)

In XXXXXXXX XXXX XXXXXXXX I was XXXX  with only XXXX XXXXXXXX income rating of XXXX XXXX XXXXXXXX which was roughly $ XXXX. I applied for a credit card with Navy Federal Credit Union and they gave me a credit limit of {$25000.00}. Nearly what I earn in year. Once I was unable to keep up with payments and started to fall behind in XX/XX/XXXX. Navy Federal stopped contacting me and warning me after 60 days delinquent. I always answered the phone and worked explained that the balance and interest rate are too high. I was making {$900.00} payments and being charged {$500.00} interest. They offered to reduce my interest rate when I called but failed to tell me that a {$1.00} payment would prevent my account from closing at the 90 day delinquency mark. I even called ready to pay and was unaware my account had been closed for weeks. It was never a serious offer. Navy Federal allowed my account to close at 90 days delinquent when I was willing and able to make the payments and plan they had offered. I was even told you spent the money by a random phone agent when negotiating a pay off plan. Simple put, they gave a $ XXXX credit card to a XXXXXXXX XXXX who could never afford it to begin with. I became employed and began to make more money and they let my account close without calling or warning my for the final 30 days. They are now taking {$120.00} from my account every two weeks for the last 6 months to pay off the $ XXXX balance.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid 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 (WA)

I applied for Amex Gold card in XX/XX/2018 and was promised to have bonus of XXXX points. I was not told that I was not eligible for receiving the bonus before and after I submitted the application until I checked with customer representative 4 months after. Typically, American Express shows a pop-up to indicate when you arent eligible for a signup bonus. Strangely, even when no pop-up appeared, I still have been arbitrarily denying the bonus by Amex.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc. (IN)

XX/XX/2020 I called police for being a victim of identity theft they go against me and send me to hospital XXXXXXXX XXXX and I'm in a data breach with XXXX XXXX XXXX company and XXXX XXXX XXXX XXXX student loans done not y me
Consumer complaint received 2023-08-31
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. (IL)

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I initiated a CFPB complaint on Chase Bank in reference to my credit card being closed for no reason. Once I submitted the complaint, the case was assigned to an individual with Chase 's executive office. On XX/XX/2023 Chase Bank responded by relaying that I had a public record financial investigation associated with my name and was the cause for closing the account. On XX/XX/2023 I proceeded to call and reach out to the Chase Executive Office via phone and spoke to the individual who was assigned to my case and that was responsible for responding to the CFPB complaint I submitted. I proceeded to ask several questions and for more details as to the origin of the claim that was made. However, I was informed by the individual that Chase reserves the right to refuse to cooperate in explaining any further details about the claim being made for closing the account. I was further informed to file another CFPB complaint to have the case be assigned to a different individual in the executive office and see if further details can be provided to resolve the issue that Chase is claiming is associated with my name.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

Hello, my name is XXXX XXXX last XXXX social : XXXX. 

Since I started working at XXXX on XX/XX/2023 I have been victim of identity theft. I found out the cause that we are all required to bring our stuff in a clear backpack just as mine that I will attach a picture here. There have been a lot of fraudulent transaction on my cards. I used to have the temporary card printed inside my wallet. Also my XXXX XXXX card was compromised but they refunded my money back right away. There have been fraudulent transaction from a company called XXXX. They have withdrew over $ XXXX out of my account and I need my money back immediately. XXXX is coming and I have XXXX son and a family to provide food and gifts. And it is a very hard time to get scammed like these and to have to wait over 45 days and those scammers running away with my hard earned money that I need to load over XXXX boxes per day to get pay. I will move all my money and direct deposit from chime to XXXX because they did take care immediately of a loyal customer like me. I will also report this to the police and local lawyer so we will take you guys to court to fix all these fraudulent transactions on my account and the previous ones you guys denied and sided with the scammers. I need this fixed before Saturday or will report to all social medias, news, and small claim courts. Thank you!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, XXXX, XXXX, XXXX XXXX reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt., XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! You have been served NOTICE TO DELETE THE CHARGEOFF, ITS INACCURATE You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

I have been in a dispute with Citizens Bank of Citizens Financial Group since XX/XX/2023. It began when insurances were being wrongfully placed upon my mortgage with the origination date and amount of the mortgage also being incorrect. They would send a letter implementing the insurance, I would call about the error then receive a letter that it had been corrected however the origination date and loan amount would remain incorrect. After having this issue, multiple times, and wasting countless hours, trying to explain that there was an error in my account. I stopped payment on my mortgage to get attention raised for this issue they seemed to work for a short time, and I was told the issue would be looked into. I have asked for an itemized list of all payments made, and where it was applied to my interest in principal, and I have yet to get any response I want to ensure my payments were properly applied to my account and that the balance owed is accurate. I placed multiple phone calls to the office of the chairman at Citizens where I left voicemails that were never responded to. The last successful attempt I made to contact them I was told they would not speak directly to me since I had contacted legal counsel on this matter. Now I am locked out of my online portal. Can not get anyone to return my phone calls and XXXX facing foreclosure.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours. 
15 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la inaccurate.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX / XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours. 
XXXX5 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la inaccurate.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

RightPath Servicing has fraudulently claimed that my hazard insurance on my primary residence had expired, when it did not. I provided RightPath proof of insurance on numerous occasions. RightPath threatened to purchase hazard insurance on my behalf and assess me for the cost although I have repeatedly provided proof of hazard insurance. 
In XXXX of 2022 I was made aware of insurance purchased on my behalf and that I am being charged for this insurance. The insurance RightPath purchased was not hazard insurance, but condo insurance or a HO6 policy. RightPath deceptively claimed I needed to purchase hazard insurance, not HO6 insurance.

RightPath continues to assess me for this insurance although I have purchased my own HO6 insurance at more than half the cost I am being charged by RightPath.

RightPath has also misappropriated my mortgage payments.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I contacted Equifax to see why Child support is on my consumer report when I no longer owe a balance on that child support order. This account is reporting in accurately according to the FCRA all accounts must be reported correctly and accurately. Please remove this account from my consumer profile to prevent future litigation.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (LA)

Navy Federal is in violation of 15 U.S. code 6801-Protection of nonpublic personal information ; financial institutions have a duty to insure the security and the confidentiality of customer records, protect against the threat of security, and to protect against use of such information that could result in harm or any inconvenience for the consumer. Every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the privacy and confidentiality of those customers nonpublic personal information. According to 15 U.S. Code 6802-obligations with respect to disclosures of personal information a financial institution may not directly or though any affiliate disclose to a nonaffiliated any nonpublic personal information, unless such institution provides consumer with a notice that complies with 15 U.S. Code 6803. In general a financial institution may not disclose nonpublic personal information to a third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not disclosed and the consumer is given an explanation of how the consumer can exercise the non disclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notices that accurate reflects privacy polices and practices to consumer before you disclose any nonpublic personal information to any non affiliated third party. Pursuant to 16 CFR 313.7- financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. 18 U.S. Code 1348 makes it an federal offense to execute or attempt to execute a scheme to defraud any person in connection with a security or to obtain or by false or fraudulent pretenses and money or property in connection with that security.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (KY)

I have the report by I am open the XXXX account in XX/XX/2023 but this account not belong to me, and I didn't realize I have it unstill XXXX XXXX report I was late payment for that. I am try to dispute them but the results not correctly so I'm really want to fix that and because it was late payment 30 day one time already and they report I'm late again in 60 days. My credit score hurt by that and went down alot, so please help me with that, because I never want to late payment anything on my credit card. And I don't want get debt by someone else but I the one not using that credit card!
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

mY LOAN WAS TRANSFERRED IN XXXX, AND IN XXXX THERE REMAINS UNAPPLIED FUNDS AND SURPLUS OF ESCROW IN THE ACCOUNT AND THEY WILL NOT ISSUE A REFUND TO ME FOR THIS MONEY. iTS BEEN SITTING IN THE ACCOUNT FOR 8 MONTHS NOW,