davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DE)

This is my second complaint to Paypal. Their response to the previous complaint was unacceptable. They are not accepting an responsibility at all for restricting access to my company 's Paypal funds. They must be held responsible. This is already considered Swindling. Immediate action and investigation must be taken.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a checking account in Truist Bank on last XX/XX/XXXX. The same day I deposited a check in the amount of {$3000.00} from my account in XXXXXXXX XXXX. On XX/XX/XXXX, I deposited a check of {$130.00}. Both checks were kept unavailable for XXXX  days. They never told me that that was their policy. The check from XXXXXXXX XXXX was debited from the account same day ( XX/XX/XXXX )
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several attempts to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX
Consumer complaint received 2024-06-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Hello, I hope you're doing well. I'd like to briefly explain my situation. 

I recently received a promotional email from Wells Fargo, which led me to enroll in their program. 

I went to their branch at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, to open a savings account. During my visit, Wells Fargo employee XXXX XXXX made an error while setting up the account. ( How Wells Fargo describes the situation ) Subsequently, I began receiving letters about money laundering. I visited various Wells Fargo branches to resolve this issue, but despite assurances from branch managers that everything was sorted, I continued receiving these concerning letters. I sent three complaints to XXXX and XXXX, but the responses seemed automated and unhelpful. 

After six visits to Wells Fargo offices, I decided to close my savings account. Both managers ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) assured me the matter was resolved. 

However, I recently received another notice from Wells Fargo. I believe I am being unfairly targeted because of my XXXX  nationality. I have lived in the XXXX since XXXX, have never left the country, and have earned all my money legally here. I pay taxes to the XXXX government and am not responsible for the actions of the XXXX  government. 

This will be my seventh visit to a Wells Fargo office and my fourth complaint. Please investigate this matter. 

Warm regards, and thank you
Consumer complaint received 2024-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I applied for a consumer credit extension on my home on XXXX for XXXX XXXX XXXX dollars {$100000.00}, and was denied. I am an aggrieved applicant because according to Title 15, 1691 I can not be denied credit for any reason. This is also proven by XXXX XXXX at large 411 section 7 ( e ), Otherwise known as the trading with XXXX act, which clearly states that XXXX XXXX  occupation the free inhabitants of the the country are to be issued a warehouse receipt for consumer goods and services. My warehouse receipt is my birth certificate which was created by the social security number. Also since proclamation XXXX went into effect in XXXX, all obligations are obligations of the United States and are to be discharge dollar for dollar
Consumer complaint received 2023-11-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (FL)

On Monday, XX/XX/2023, I was reviewing my XXXX credit report and noticed a fraudulent account from Berlin - Wheeler Inc K in amount of {$77.00}. It was initially reported on XX/XX/2023. It originally came from XXXX XXXX.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have had a joint saving and checking account with my wife for almost 10 years at HSBC USA bank. The bank closed my account on XXXX XX/XX/year> without my notice and permission. After my complaints ' they understand their own mistake, and re-opened new accounts. Now after 3 months still have not received my money yet, HSBC bank is only asking me to sign an indemnity agreement individual agreement for this issue first. They do not provide me any tracking number if they have issued and sent any checks to my address in XXXX that have on their file, and still why I have not received my funds back? I already now have other checking and saving accounts with them in XXXX and more than 15 years in XXXX. ( The same HSBC Bank ) Isn't a bank in XXXX responsible for paying back customers ' money? 
I am a XXXX citizen and now living in XXXX, really do not understand how easy is for HSBC to avoid paying back customers ' money. 
I wrote them multiple emails and had telephone calls with their staff. 
Today when I called them, they told me there is no record and no memo about my case!!! 
WHERE IS XXXX & XXXX?
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Special Financing Company, LLC (GA)

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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.

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear Consumer Finance I am writing to dispute the following information that appears on my credit reports from XXXX, XXXX and XXXX report : Dispute Bank of America Credit Card Account Number : Can Be provided Source of dispute information : BANK OF AMERICA Type of disputed information : Missed payment/delinquent account due to BOA fault Dates associated with item being disputed : XX/XX/year>. 
Explanation of item being disputed : I have been a Bank of America XXXX for 14 years. I have never been delinquent on my payments with the bank of America as you can see from the history. However, this time the Bank of America is at fault. The bank suspended by online banking access in XXXX of 2024. They did not even send me the statement of balance due for XXXX and XXXX. I have tried repeatedly calling the bank to grant me access for several months but I was kept on over hour long holds, frequent call drops etc and no one really fixed my online banking access. Therefore, due to lack of online access and no access to statement, the payments were missed. On immediately finding out that there is a balance due on this account in my credit report, I immediately contacted the bank and paid the balance over the phone on XX/XX/year> the proof of which is attached. I got the online access today on XX/XX/year> and therefore I am able to now see the statements. 
I humbly request you to please investigate this matter and remove this payment from my account. I have had a clean and stellar credit history which I have worked very hard to maintain and this is very unfortunate on the banks part Thank you for your assistance. 
Sincerely,
Consumer complaint received 2023-04-26
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. (TX)

i never provided written consent and are unaware of the unauthorized and inaccurate accounts on my credit report. I also understand that under Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information,
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC. (GA)

I filed multiple disputes in regarding this account from Exeter finance Accounts number # XXXX original contract date of XX/XX/year>. This account have been on my XXXX  credit report since. It has been causingconsumer injury to my credit file. i have been recieving denials from creditors due to this account in which was sold and left with a balance of {$6500.00}. It has been removed from the other credit bureraus, XXXX refuses to remove this. This account has been sold to ( XXXX ) and given a new account # XXXX also reaged by everyone purchasing this account, this is wrong and according to the consumer protection act. We are entilted to an accurate credit reporting from all bureaus. This account should not even be listed on my credit it has been 9 years reporting today.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CARD Corporation (GA)

I have my employment wages and income tax deposited onto the card. On XX/XX/18 I paid some bills and I also bought a few clothes for my children. XXXX  froze my card and said I needed to contact account services. I called the only number they have. The automated service picks up, talks about online services and then asks to verify identity. It starts off by asking for the last 4 digits of my social security number, when I opened the card I never gave them my social security number, not once. So I put it in anyways. Then it asks for my zip code, I put that it and then tells me its incorrect and asks me to do the process all over again, hitting pound or 0 doesnt help either. I have sent them a full video of my attempted call to their XXXX. After 24 hours of this I have yet to get thru. I emailed them 3 times, I sent 2 faxes to their dispute department just hoping for help, I sent them messages thru XXXX. I got a reply on how to handle the automated service once my identity has been verified, problem is just that. Wont go any further than that. I have over {$1100.00} in the account. I am a single mother and all my money is tied up with this account. I can not feed my children or drive my car.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings (AK)

On XX/XX/2023 ( Sunday ) we vacated our apartment and left a letter with keys in office with reception. Credit report shows that IQ Data reported collection on XX/XX/2023 exactly 9 business days after we moved. There has been NO attempt at contact from the landlord ( XXXX XXXX ) or IQ Data. No documentation has been received from anyone. The problem is due process seems to have been violated and whatever specific laws allowing for timely attempts to contact myself. i was never given an opportunity to resolve from initial holder. 

This company violated the No Packing Rule. Additionally, the, " 30 day Collection Cease and Desist ( 13 disclosures ). 

This item needs to be removed from my credit report based on lack of timely reporting, contact and specific laws forbidding improper timely reporting
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc. (AZ)

On XX/XX/2024 I received a email from I.C. SYSTEM stating that I owed a balance of {$670.00} and that they were trying to collect it as debt. Ive never had a relationship with XXXX XXXX and my consumer report now reflects that I have a delinquent account. According to law 15 U.S.C. 1692g ( a ) ( 3 ), it states, unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt... the debt will be assumed to be valid by the debt collector. I have not responded to either companies and now have delinquent account ( s ) on my credit report as of XX/XX/2024.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I applied for several mortgages within the 45-day mortgage shopping window, between XX/XX/year> and XX/XX/year>. The first inquiry was XXXX on XX/XX/XXXX ( Rocket Mortgage ), then EQUIFAX MORTGAGE SER ( XXXX XXXX ) on XX/XX/XXXX, then XXXX XXXX ( New American Funding I believe ) and EQUIFAX MORTGAGE SER ( I believe this was from Better ) on XX/XX/XXXX. These were all for mortgages from four different companies within the 45-day shopping window, and according to consumerfinance.org, " Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. '' However, these are showing as 4 separate inquiries on all of my credit reports and have significantly dropped my credit scores as a result. XXXX does not have a dispute process online, Equifax did not have a way to dispute multiple inquires, only invalid ones, which these were not fraudulent, and XXXX does not allow disputes of inquiries online. 
I called XXXX on XXXX and they were unable to help. 
I spoke with XXXX on XXXX and arranged a call back by a supervisor. I spoke to a XXXX supervisor on XXXX and they said they would not remove the inquiries unless they were fraudulent. I explained repeatedly that they were not fraudulent but they should only appear as ONE hard inquiry per the CFPB website and consumer protection laws. They just argued with me and would not tell me how to get the issue resolved or what documentation to provide.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc. (AZ)

I decided to check my credit report mid year of XXXX. I noticed an account from CONNs that did not look familiar. I searched Conns and found it to be a furniture store. My main furniture was purchased from an auction in XXXX  including my couches and dining room table. Anything else was purchased used. I tried calling my credit agencies asking about an address XXXX XXXX XXXX XXXX XXXX AZ XXXX as I have never lived here. Ive also never had any mail updated to this address and I do not know anyone that has ever been connected to this address. I was informed to call CONNS fraud dept through XXXX XXXX and received confirmation that my fraud packet was received on XX/XX/XXXXXXXX  and to allow time for review. I provided ALL details including my police report and report # XXXX, Fraud victims with FTC # XXXX, and the Identity theft complaint and affidavit requested by CONNS signed and notarized, drivers license ect. I had not heard from CONNS as advised so I reached out to them on XX/XX/XXXXXXXX  and they responded on XX/XX/XXXXXXXX  explaining that they have sent me a denial letter on XX/XX/XXXXXXXX  which I have not received explaining that the account that was opening in XXXX matched my signature on the documents provided by me, phone, email, and address. This is false. My email XXXX was created in XXXX. Ive lived at XXXX XXXX XXXX XXXX XXXX in XXXX and still do now. My phone # has not changed but still would not be associated with this CONNs account unless CONNS chose to update my information from XXXX to now based on the background check of my name and demographics. I have asked CONNS to provide me with this so called proof that the information from this CONNS agreement matched the information from my back ground check and they informed me that they are only able to provide this information to the police. Before I submit a court complaint, I am requesting someone with minor education to review this account. I need to know all details associated including what was ordered with the {$5000.00} plus dollars used. Did someone pick up the merchandise? Was it delivered? Who signed for it? What was ordered?. If my dispute was declined I will need a lot more than what CONNS fraud department is choosing to provide to me.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (PR)

I have a XXXX dollars due feed on my credit report. The report states that it comes from XXXX. XXXX advices that it is not theirs. I need to claimed XXXX XXXX And find out if it is theirs.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

Please see attached documents. In a nutshell, Card Benefit Services, on behalf of JP Morgan Chase Bank has refused to pay a valid claim for trip reimbursement expenses as set forth in the " Guide To Benefits '' associated with the Chase Sapphire Preferred Card. Each time I met their request for additional documentation, the representative would give another excuse as to why the claim could not be paid. This has been ongoing for the last 10 months.
Consumer complaint received 2022-12-04
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. (SC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-02-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

In XX/XX/2019, the CFPB reached a settlement with XXXX XXXX that discharged about {$160.00} XXXX in private student loans. In XX/XX/2019, the CFPB reached an additional settlement, including a judgment against XXXX XXXX for {$60.00} XXXX and an injunction that prohibited XXXX XXXX from offering student loans ever again I feel like Im should get mine discharged also. I am a single mom and paying almost {$200.00} a month in this. Navient is very unreasonable and I also feel like its not fair that I have to for a private loan when the school was closed due to fraud. This very unfair. Please help me get this discharged.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MA)

When I signed up for the account I set up a two factor authentication with a phone number I have since lost. To recover access Coinbase requires and ID. While I am residing in the US I am a XXXX XXXX. I have sent them a XXXX ID, XXXX drivers license, XXXX passport, Massachusetts Liquor ID ( which is missing one of my last names ), and 2 statements from my bank  with my name and address. Yet, I have still not been granted access to my account and am not receiving responses from Coinbase.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I summitted banking information on XX/XX/XXXX & received confirmation for XXXX payments of {$14.00} thru XX/XX/XXXX beginning XX/XX/XXXX. Don't feel comfortable giving bank information again