davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (OH)

XX/XX/XXXX Chime mailed an unsolicited visa debit card to my home. I had no idea what Chime even was nor did I ever submit a financial application. I immediately contacted Chime at XXXX requested the card be closed and a letter of closure be mailed out. I also requested basic info about the card but was referred to XXXX which sent auto responses unrelated to my requests. I tried corresponding with XXXX unsuccessfully for days. On XX/XX/XXXX I received yet another card in the mail. This one was a visa card and immediately called Chime to report the XXXX card as fraud as well and ask questions on how an additional card would be issued when I just spoke extensively with Chime on XX/XX/XXXX. Chime stated they shut the visa card down and confirmed the debit card was also closed. I requested card closure documentation to be emailed to my attention and I would remain on the phone until email was received, but was told the Chime system would not allow email to go out until we ended the call. I also requested a trouble ticket number and was given # XXXX. No email was ever sent regarding closure. 
Each time I contacted Chime they request personal identifying info such as social security number, name XXXX street address and email before given very vague information regarding the cards created in my name. They would not provide simply info such as when accounts were applied for, how many accounts are open, how much is charged etc Chime is DELIBERATELY CREATING ADDITIONAL FRAUDULENT ACCOUNTS IN MY NAME AFTER VEHEMENTLY REQUESTING THEY CLOSE ALL AND PROVIDE DOCUMENTATION FOR MY RECORDS AND ADDITIONAL REPORTS. At this point I fear more accounts will be opened and additional cards sent out to WHOMEVER is applying. This is identity theft with Chime equally accountable with aiding in this theft by not closing unsolicited accounts upon verifying my identity and upon request. Instead of closing cards Chime continues to propagate the fraud by creating additional accounts. I want it to stop.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

XXXX XXXX I deposited a XXXX check for XXXX and the ATM stated we are unable to process the check submitted. It kept the check and my debit card. After several attempts to get the machine to give me back both items failed, I went inside to customer service I attempted to explain but was met with unprofessionalism and rude personnel, which cause me to lose my composure and become irate after being advised the check could be a stolen. I've banked with Randolph Brooks Federal Credit Union for 10 years. I've never wrote a bad check over drafted my account maintain an average of XXXX. - XXXX in my account. They're response was shrugging and rolling their eyes. I demanded my entire account funds and was told to come back for the check funds. I Called customer services and again was told the only reason that could happen is if the check is fake. i called back this week XX/XX/27 and the check was deposited. IT WAS NOT STOLEN AS THEY ACCUSED ME OF!!!!!
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XX/XX/XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/, XXXX XXXX  and I parted ways. I walked into the XXXX, FL Branch for a new debit card. The one in my hand wouldn't allow me to make ATM deposits as of the night before, XXXX XXXX XXXX A simple request became a problem because the new debit card accepted a {$5.00} ATM deposit, but placed it in a complete different account. At that point, my helper called XXXX XXXX over for help. His title was Store Manager, tel : XXXX XXXX XXXX. 
He went to his desk, made a phone call, called me over, and closed my account. Just like that. He then gave me {$200.00} plus dollars. I kept saying, " That's not my account. '' He then said, " Are you XXXX XXXX. XXXX? '' I said, " Yes. '' Then he said, " Well, this is the only account we have under this name and that's the balance " So, I took the money handed to me and went straight to the Local Police department because this is the THIRD account that gets closed on me wrongfully. There's the XXXX issue in XXXX, XXXX XXXX issue in XXXX, now XXXXXXXX XXXX issue. My XXXX XXXX account was stolen by XXXX and XXXX. My Business Bank of America account was closed by XXXX behind my back. All the other accounts were stolen and closed by XXXX behind my back. So, I went to the XXXX Police department for XXXX XXXX discrimination. I was given case # : XXXX. Officer XXXX. 
After I left the Station, I went to Bank of America. ( See Attachment ) XXXX XXXX was my helper. She opened a Personal Checking account for me. A few days later XXXX was all up my business again causing problems with the account, duplicating debit cards. 
Today, XXXX I arrived to XXXX XXXX NV around XXXX XXXX XXXX XXXX. Terminal 3. Around XXXX XXXX I decided to log online to check my account, and my username and password would not work. It worked on the 4th try. Then, when I logged in, {$73.00} and change was missing. So, I clicked transactions detail. It reflects that the XXXX XXXX already charged my night, and I'm not even there yet. 
I've been resolving the issue via email. XXXX responded and said they did that to simply obtain their deposit. I'm convinced this is XXXX and his team players causing this problem. 
Since they caused the XXXX XXXX issue at the XXXX XXXX ( near XXXX XXXX ) XXXX, FL on XXXX XXXX XXXX  ; and then they caused the XXXX XXXX issue on XXXX XXXX XXXX XXXX, MI. Remember how that problem caused me to reduce my nights at the XXXX XXXX XXXX XXXX XXXX MI. 

Look at them now. I'm convinced it's them causing this Bank of America issue with XXXX XXXX. 

In conclusion, please put a complete STOP to XXXX switching my debit card and changing the name on it. The account is my personal checking account. It should only have one name, XXXX XXXX XXXX. And that's for account number XXXX XXXX XXXX. He really needs to STOP checking my online account information ( transaction/balance ). That's so disrespectful! Please place an end to his intrusion. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Iin XXXX I was on the a bad car accident in my XXXX XXXX XXXX. I was financing the car through Santander Consumer USA. I notified them in XX/XX/XXXX that I was in an accident and that the car was not in good condition. The insurance company wouldn't total the car due to the air bags not deploying. I sent the car to XXXX XXXX for appraisal. I was contacted by the Collison department manager. He advised me that the damages on the car were more than what insurance would pay. He also advised me that fixing the car would not make sense because of the damage. I notified Santander Consumer USA of this on XX/XX/XXXX. I was advised that they would retrieve the vehicle from the Collison condition and auction it off. The rep stated that once the vehicle is auctioned. They would send me invoice for what was left owed on the vehicle. So they told me they would take it from there. After not receiving any feedback from Santander. In XXXX I contacted them inquiring on the status my account and what was the outcome. I explained that I hadn't received any communication from them. I was advised by XXXX in the  Corporate office that they had abandoned the vehicle and didn't take ownership of the vehicle. I asked why hadn't I been notified of this, but no reasonable explanation was given. I was never notified or contacted by them. I stated that if that was the case thrm where is the vehicle? I asked why we're they putting the entire amount of the loan for the vehicle on my credit? I could've taken the vehicle my self. Thry didn't provide any proof of this. It never showed on my credit as a repossession. So basically they put this Vehicle ony credit as a charge off when in fact! They abandoned the vehicle. Taking no responsibility for it. So they say! Santander Consumer USA is despicable. They are crooks and misleading to consumers like me. They trying to ruin my credit because they failed to properly handle the situation. I feel cheated and robbed of my choice in this situation. The need to be held accountable. 
Signed Disappointed Single Mom.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Trans Union Is governed by 15 USC 1681 and they violated my rights numerous times.

According to 15 USC 1681 : I have the right to privacy and I did not give Trans Union written permission to furnish these accounts. 

I demand the accounts listed below be deleted from my record XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

My federal tax refund is being held by my bank, US Bank, for 10 days. 

I deposited the check via the mobile banking app. I regularly deposit via the mobile banking app and almost never have a check held, My question is where is the money right now? Does US Bank have the money? More importantly, is US Bank investing my money for their gain? How can I find out where the money is during this 10 day hold period? 

Something feels off about this. 

Thank you, XXXX
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (AZ)

Hyundai Motor finance has fraudulently treated me as a chattel slave to a contract. due to non-disclosure and I have recently send correspondence that they have decided to ignore. By law I never was given proper notice that the contract was the asset. The contract was fraud, no meeting of the minds or value and proper acceptance was given. I have rescinded the contract due to fraud and I sent a w-9 to request the EIN still no response and will be sending a 211 IRS whistle blower form to audit the accounts of others as well. These subprime lenders know federal laws and constitution yet continue to fraud the public. The laws states that all obligations are of the United States Government 18 USC 8, 31 USC 3123, HJR 192 and Public Law 73-10. I have requested to recoup all funds paid into the off balance account. They also violated federal law by not disclosing that the transaction is either a cash OR credit transaction. They charged my credit card ( ssn ) and demanded federal reserve with threats to take the car even repoed the car and I paid many fees to get the car returned. Finance charge is the sum of all charges and they charged me a down payment and many other fees. They also made me pay for my own issuance which is all against the law. I have noticed this fraud and demand all recoup of funds returned. Please be advised that if deprivation of rights has occurred by cfpb as well as Hyundai Motor Finance can be held liable by law. I want this matter settled immediately as by law I can rescind and express the trust as the grantor and beneficiary and received my recoupments under holder in due course doctrine. I know that CFPB, HYUNDAI MOTOR FINCE Knows THE LAWS OVER CONTRACT, anti-trust and defrauding the government. Please be advised that I have rescinded the contract the documents are attached. You have attempted to close out the contract which out consent of the ORIGINAL creditor! Also prove that you loaned me something. You have used mail fraud payment statements not a true bill without proper endorsements which was always a positive balance and to my knowledge of accounting you can not pay a positive balance so credits were due to me. Fraud has taken place. I CAN GET THE DOJ, secret service and other government agencies involved I can seek damages and due to the contract being fraud fill a class action. Correct your mistake and close this account immediately. I have logged into the account and its still active which means fraud is still going on. Prove that you did not securitized the loan? Provide the original note which is the contract I initially submitted to get financing thats the original asset.. not the fraud contract you have sent me! The United States corporation is in bankruptcy so to request I pay is against the law. You have made me pay and I have the right to rescind and recoup payments made. This is written in good faith and I have an adverse claim in the contract as I am the only signature.
Consumer complaint received 2022-11-03
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: BARCLAYS BANK DELAWARE (FL)

I paid my last statement in full and wanted to take advantage of a 0 % transfer credit free that would expire in XX/XX/XXXX. I transferred over {$1200.00} on XXXX subject to a {$50.00} transfer fee. I received my statement and instead of applying the {$1200.00} to the 0 % promotion, they only placed $ XXXX to the promotion expiring in XXXX and applied a return credit to that 0 % transfer balance instead of applying it to my existing balance which will be subject to 27 %. I was misled and spent almost a XXXX hour on the phone with customer service with no resolution. This company misled me by saying that my entire balance transfer would be subject to 0 % until XX/XX/XXXX. Extremely shady business practice and I wouldn't be surprised if they were doing this to more people.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

This company has twice prevented me access to my account online. They are preventing me from transferring funds to an external interest bearing account. Their system can not verify me and I have to go to a brick and mortar facility to prove my existence. They also are using my social security number as casual identification. This should be illegal to throw around my personal data. I already verified my existence when I opened the account. I shouldn't be pestered with continual proof of my existence. Their customer service is absolutely awful. Many times I am unable to hear what they are saying, they have foreign people with thick accents that are not understandable, and flagrant insistence that they control my money and will not allow me access to my own money. This company needs to fined and pay penalties.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I sent money over XXXX for concert tickets after picture confirmation of the tickets for a total of {$500.00}. The person never sent tickets or responded. I reached out to Chase bank to try and get this sorted out and they told me they could do nothing about it and hung up on me. I do have a claim out with Chase but they seemed like they could care less about helping.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (NY)

Hello CFPB, I am reaching out to seek your urgent assistance in resolving an ongoing dispute concerning inaccurate and misleading accounts on my credit report. 

The accounts in question have already been successfully deleted from both XXXX and XXXX. However, I am encountering persistent issues with Experian, which continues to report the same unverified and incorrect accounts on my credit files. 

I kindly request your intervention to facilitate the resolution of this matter promptly. 

XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in XXXX on XXXX XXXX XXXXXXXX - Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in XXXX on XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in XXXX on XXXX XXXX XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in XXXX on XXXX Recently, I have been consistently receiving notifications about unauthorized hard inquiries on my credit reports from all credit bureaus. This situation is causing significant distress and concern for me, and I am seeking your intervention to stop these unauthorized inquiries immediately. 

I kindly request your prompt action to investigate and rectify this issue, ensuring that my credit information remains secure and free from unauthorized access. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Venmo refuses to close my account unless I send them a scan of my Drivers License. Venmo does not need my ID ( photograph, personal identification numbers, height, weight, age, etc ) in order to close my account. 

Venmo only requires a phone number and email to sign up and transfer money. They do not need anything else to close it. I want my account closed. I will not send them personal identification information.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/2022 I tried accessing my USAA mobile application ( as I do every morning ), and noticed my credentials were rejected by the system, and a message populated stating that my account was locked. I called, and after being transferred to multiple people over the course of nearly two hours, I found out that USAA decided to investigate my account for potential fraud activity. Unfortunately there wasnt a single person able to explain the reason behind the review, and my biggest fear was ( and is ) that such review was the result of some kind of account/profile takeover. Nobody would give me a straight answer, and the best they could share with me is that such reviews are taking up to 5 days! Meanwhile, I can not access my accounts, neither can I request any transactions such as ACH or wire transfers. As a result of this I have lost {$1300.00} on non refundable fees from a vendor whom I was doing business with the day prior, and had put non refundable deposits down towards a personal purchase I was trying to make. I am not sure what USAA is thinking, but it would help to gain some clarity about the root cause of their review. While I respect banking processes, both execution and communication must be done/timed rightly, neither of which USAA seems to understand. The bottom line, I need access to my account ( and my funds ) immediately and Im not in a position to wait for USAA to take their own time to complete whatever it is theyre attempting to do.
Consumer complaint received 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I am in the PSLF program and made my XXXX payment. Mohela refuses to update my payment count even though they show the XXXX payment posted. Calling Mohela is a XXXX XXXX
Consumer complaint received 2022-11-03
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: WELLS FARGO & COMPANY (FL)

WHEN LOOKING AT MY XXXX CREDIT REPORTS ITS A WELLS FARGO ACCOUNT SHOWING INACCURATE INFORMATION, ACCOUNT, LAST VERIFIED, DATE REPORTED, DATE OPENED, CLOSED DATE, CREDITOR TYPE, PAYMENT STATUS, TERM LENGTH, ARE ALL INACCURATE AMONG ALL THREE CREDIT BUREAUS .THE ACCOUNT IS ATTACH FOR PROOF.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2020 I applied for a XXXX XXXX VISA Credit Card issued by Comenity bank. 

After filling out the application, my account opening table indicated I was approved for the XXXX XXXX Visa Card. I accepted those terms and conditions. I was also sent an email advising I was approved for the Visa card as well. Both of which I can provide as proof to the agency should you request it. 

Upon receipt of my welcome kit issued to me by Comenity bank, I received their private label credit card. 

I called Comenity / XXXX XXXX Customer Service multiple times to try and get this resolved and was unsuccessful in doing so. 

I am requesting that the agency compel Comenity bank to fulfill their contract terms and conditions in which we both mutually agreed to in consideration of which account type I was approved for. 

Please feel free to contact me with any additional questions or requests for supporting documentation. I look forward to your response and attention to this matter. 

Thank you, XXXX XXXX