davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (FL)

Based on the process of elimination and making connections between previously submitted reports to the Consumer Financial Protection Bureau, Federal Trade Commission, Federal Reserve XXXX Department of Homeland Security, Immigration and Customs Enforcement, Federal Bureau of Investigations , Central Intelligence Agency, Equal Employment Opportunity Commission, Office of Special Counsel, Attorney Generals, Department of Health and more, Fiserv is suspected of engaging in severe prohibited business practices. 

During on-going investigations I was met with what appeared to be severe and unrelenting interference from unconfirmed and unidentified sources that repeatedly compromised my safety and security. Based on claims submitted and the documents reviewed, I believe Fiserv is involved and has been monitoring me without my authorization and consent. 

XXXX search results yield XXXX XXXX an alleged client Project Manager for Fiserv. A person with this same name claimed to be a XXXX  claims representative subsequent to a XXXX XXXX  accident. Is the XXXX Claims Representative XXXX XXXX the same person that serves as a Client Project Manager for Fiserv?
Consumer complaint received 2022-08-16
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (FL)

When first fraud charge comes, I had to call the creditor to report fraud activity even XXXXXXXX XXXX XXXX XXXX XXXX  makes this incredibly inconvenience of having to call them repeatedly. When account was closed and new credit card number was sent. I thought that was it then second fraud charge from same merchant comes, I called them again because their live chat won't help, just keep asking XXXX person to call them again. I told them again of everything. Account closed and new credit card number sent once again and third time, I'm still seeing fraud charge from XXXX. I explained everything to live chat and live chat is still asking me to call them again to no solutions end.
Consumer complaint received 2023-01-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Hanna Holdings Inc (OH)

I supplied and XXXX deposit on a property that I was looking to purchase at XXXX XXXX XXXX XXXX # XXXX, XXXX Ohio XXXX for the amount of {$2300.00}. At the time of the initial purchase agreement the deal was to be cash, the deal was later switched to financing which the agent, XXXX XXXX, Real Estate Licenses : XXXX ( OH ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX was made aware of. The purchase agreement was never amended by XXXX, I was declined for financing because the building was not insured correctly and now the seller refuses to return the earnest deposit because the contract was never changed by our agent. 

I am a XXXX veteran and my wife is a minority and this {$2300.00} is very important to us
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Information was reported wrong on my credit report causing issues. The report is mislead on information regarding previous address, XXXX worked for, and where I lived. I lived at XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX before the change to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX 

I had lived in XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-04-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation (CA)

XXXX XXXX is working as mortgage broker and does not a real estate license or broker license he is submitting loans under another brokers name. 
He has large amounts of clients files stored unlocked in the rafters of his garage and dose not lock his office or put files in locked drawers while working on files. They are carelessly treated and he fails to safeguard personal information.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. XXXX XXXX Bankruptcy 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. XXXX  ).
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TX)

When XXXX was there would overdraft me when a payment came I had money to the fact the took my whole XXXX check away and make other bills late and charged late fees. Dates from XXXX. Having to call them each month due to not paying the amount when the money was there.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (ID)

I created a accelerated savings account at CITI BANK roughly a week ago because of its higher APY. From what I understood I was able to withdrawal these funds if wished. I happened to find a better savings account so I attempted to withdrawal the money back to the original external checking account I used to fund said savings account. It said I was able to do so up to {$10000.00} which was much higher than what I wanted to transfer. In attempting to transfer the money and error message popped up. I was locked out of my account with no access. Reaching out to CITI BANK fraud department they informed me they were closing my account because of the attempted transaction. They gave mw only 2 options to retreive my funds. Option 1 was to wait 30-60 days for a paper check in the mail. Option 2 was to find a branch to withdrawal funds. The nearest branch to me is hundreds of miles away so that wasnt an option. Now my entire savings is locked up for up to 2 months. I have an infant son and these savings are an emergency fund that I now do not have access to because CITI BANK locked them up. This is absolutely outrageous and should be illegal. They gave me no other options but to just sit and wait. 30-60 days to wait and hopefully get my entire savings back. I assume its because I didn't have my money in their account long enough for them to make money off of my money so they steal my money instead for up to 2 months. I am beyond upset at CITI BANK and they should be ashamed of themselves.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

My account has been closed for over a year because I left them due to their lack of attention and willingness to help. I dont have any of my paperwork anymore nor will my local branch get it for me. There customer support was a lack of service!
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX my husband and I refinanced our mortgage to pay off our existing debt. Checks were made by the escrow company and sent out to said bills. One that was sent out was to a Citibank XXXX preferred card for XXXX. It was cashed on XX/XX/2022 but was never credited to my account. The escrow company sent me the cashed and cleared check and say they have no funds or records of the return payment. I have opened 4 investigations with citi and have gotten no where. I get connected to several people and all they say is your check was returned and close the investigation. I have faxed the cleared check over 3 times now and they keep saying they did not receive it. So now no one has my XXXX dollars. Where did the money go? In the meantime I am paying double ( extra bill on mortgage and the card ) and acquiring interest on a balance that should have been paid off XX/XX/XXXX. I dont know what else to do or how to get my money.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (MA)

An unauthorized account with the name of XXXX XXXX XXXX and a XXXXXXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, Equifax, XXXX and the creditors wont fix the problem even with a police report and a FTC report.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo charged me over XXXX in fees that were incorrect. I have been harmed substainally on my credit report and have had a hard time opening a checking account due to their illegal actions. I believe they were negligent and committed fraud. These actions took place between XXXX and XXXX.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

My account was charged overdraft fees numerous times due to Wells Fargo processing small payments and making payments decline or charging fees for allowing. The froze my account because someone got into it and it affected everything. They wouldn't let me touch anything or do anything to my account and then blamed it on me. They would not help me and said I had fraudulent activity. It was not my activity but they froze my account. And closed it without notice.i have direct deposits and everything for my business and I was not able to get residual from my business for almost 3 months trying to get everything changed to a new bank. It has been XXXX and it's been months and I still can't get one of my residuals set up because of my flagged account that should have never been flagged.
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting Act First Premier Account ending XXXX and XXXX XXXX XXXX account ending XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I am writing to file a formal complaint against JPMorgan Chase Bank regarding the sudden closure of my XXXX account and the withholding of funds vital for the operation of my business. The details of the transactions and events are as follows : Transaction Dates and Amounts : XX/XX/2024 - {$20000.00} XX/XX/2024 - {$11000.00} XX/XX/2024 - {$15000.00} XX/XX/2024 - {$4300.00} XX/XX/2024 - {$9300.00} XX/XX/2024 - {$14000.00} On XX/XX/2024, I received an email notification from JPMorgan Chase Bank informing me that my XXXX  account has been closed without any explanation provided. Despite repeated attempts to obtain information regarding the closure and the status of my funds, I have been met with a lack of transparency and assistance from Chase Bank representatives. They have refused to provide any details over the phone, leaving me in a state of uncertainty and financial distress. 

The funds being held by Chase Bank are critical for the ongoing operation of my business. Without access to these funds, I am unable to meet essential financial obligations, including payroll, inventory purchases, and other necessary expenses. The abrupt closure of my account and the subsequent withholding of funds have caused significant disruption and hardship for my business, jeopardizing its viability and placing undue stress on myself and my employees. 

I believe that JPMorgan Chase Bank 's actions constitute a violation of consumer protection regulations, including unfair and deceptive practices. The lack of communication and transparency regarding the account closure and fund withholding demonstrates a disregard for consumer rights and financial well-being. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Chase Bank provides a satisfactory resolution. I seek the immediate release of my funds and compensation for any damages incurred as a result of Chase Bank 's actions. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution.
Consumer complaint received 2022-04-16
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union never informed me of my right to rescind this consumer credit transaction. My right to RESCIND this transaction was not contained in the any of the documentary evidence I received from them. 

The documentary evidence/installment contract is filled with inadequate and empty disclosures that are violations to federal consumer laws found in TRUTH IN LENDING. 

I have made it clear to NCFU that I do wish to rescind this contract and they have refused without explanation. 

They do not have a promissory note with my wet signature agreeing to their demands regarding the secuirty interest ''. I REFUSED TO SIGN! 

NFCU HAS USED false and misleading LANGUAGE to lead me to believe they could either repose my vehicle, which would be a violation to 15 USC 1692e ( 4 ) NFCU is attempting to lead me to also believe my only other option in this matter is bankruptcy, when they refuse my right to rescind. NFCU is using the same deceptive tactics XXXX XXXX XXXX XXXX was found guilty of.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on My TransUnion Credit Report Dear TransUnion, I am writing to dispute the accuracy of the information on my TransUnion credit report. After reviewing my TransUnion credit report, I have identified an item that I believe is reported incorrectly. The details of the disputed account are as follows : 1 : XXXX XXXX XXXX  2 : Dispute of Collection Account from XXXX Account Number : XXXX XXXX Current Balance : {$180.00} Payment Status : Collection I have carefully reviewed my credit reports from XXXX and XXXX, and neither of them reports these collection account. Therefore, I believe that there may be errors or inaccuracies in the TransUnion report. 

I kindly request that you investigate this matter and verify the accuracy of the information being reported. I do not acknowledge any debt with the creditor. This dispute is solely a request for an investigation of the accuracy of the information. 

I expect you to complete your investigation within the 30-day period required by law and provide me with the results. If the information is indeed found to be inaccurate, I request that you remove it from my TransUnion credit report.

Enclosed, please find copies of supporting documents, including evidence that may assist in your investigation. 

Thank you for your prompt attention to this matter. Please respond to my dispute at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (WI)

I am getting calls from comenity who are saying there are transactions on a Victoria secret card from XXXX valuing at {$3000.00}. They will not provide more details because these are fraud. They will not freeze or investigate either. The company has been extremely dishonest, and I need the cards closed and the charges to be removed. I have not shopped at Victoria Secret and I have never used that credit card for purchases outside of Victoria Secret. I dont even have the card to use.
Consumer complaint received 2022-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit Bureaus never did a proper ''investigation '' according to the FCRA XXXX 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to 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 I did not give nobody written instructions
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

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 inquiry : XX/XX/XXXX Navy FCU inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 the information is inaccurate.
Consumer complaint received 2022-04-16
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)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX TRANSUNION : 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