davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

A scammer contacted me and somehow got access to our XXXX account in our Wells Fargo account and add them on as a recipient on XXXX. I hung up the phone, but {$400.00} was removed from our account. I contacted the bank and filed a complaint, but was told it was unlikely we would get the money back, because XXXX does not refund, even when they know fraudulent activity has occurred. XXXX and Wells Fargo should have extra security steps available, especially since I did not put XXXX on my bank account and I did not authorize any payments to this recipient or add them on to my account.
Consumer complaint received 2022-07-08
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. (FL)

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT, I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT XXXX XXXX XXXX ( {$140.00} )
Consumer complaint received 2022-07-08
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (IL)

My mortgage reported that I was 3 months pass due. But I was going through a modification due to the current pandemic and was out on a 3 month trial period to see if I could make the payments on time at a lower amount which I did. My mortgage was lowered to a smaller payment but the mortgage company reported to the credit bureaus that I missed three payments.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I run a business, I opened a business account at JP MORGAN CHASE BANK NA, and I deposited a check for {$4700.00}. They are refusing to release the funds even though the check has cleared and they are stating that i need to bring the person that gave me the check into the branch and for verification. The check cleared there are no disputes or anything! Chase has decided to end the relationship and not give me my money!
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (LA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-23
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: JPMORGAN CHASE & CO. (AZ)

JBMCB Chase Card has reported a wrong address on my credit report. I hav never lived in Indiana and I actually live in Arizona. They are refusing to remove it from my credit report. My drivers license is even from AZ as you will see which I attached.
Consumer complaint received 2022-07-07
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: ALLY FINANCIAL INC. (GA)

The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, XXXX & XXXX but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with XXXX progress made to remove these inquires. 


XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/2021 ALLY FINANCIAL
Consumer complaint received 2022-11-03
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: Affirm Holdings, Inc (PA)

On XX/XX/XXXX my locker at XXXX XXXX was broken into and my credit cards were stolen. One of the stolen cards was my Affirm XXXXXXXX XXXX XXXX. The thieves used my Affirm XXXX XXXX XXXX to purchase five {$200.00} gift cards at XXXX, totaling {$1000.00}. I deactivated my Affirm XXXX XXXX XXXX then contacted Affirm to report the Fraud. I first used the report fraud form on the Affirm XXXX then the following day I contacted Affirm and spoke with a rep. The rep told me it would take around 3-5 day for a response. After a week I again contacted Affirm to inquire about the status of my case and again I was told 3-5 days. On XX/XX/XXXX I received several emails from Affirm, half of the emails said my case was lost and the other half of the emails said my case was open. I immediately contacted Affirm and was told by the rep that there was no record of emails saying my case was lost and that they all show open still under investigation. Again, I was told 3-5 days before I would hear anything about my case. I contacted Affirm again on Friday XX/XX/XXXX only to be told my case was open and I should wait 3-5 days. I then contacted Affirm again on XXXX and again was told my case is open and to wait 3-5 days. Today XXXX I received XXXX emails from Affirm, one stating my case was just opened and the second email stating my case was lost. I have a police report from the XXXX state police who are investigating the case and the police also have video surveillance of the thieves entering XXXX XXXX, exiting XXXX XXXX and also making the purchases at XXXX. I am attaching the police report to this complaint along with a screen shot from the XXXX XXXX XXXX Stoppers page.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is violating FCRA and XXXX XXXX compliance laws. 
I have made several disputes and CRAs contacted Wells Fargo for investigation on this account no : XXXX... XXXX my credit report, and Wells Fargo did not investigate the accuracy of the data they are furnishing.

Per FCRA laws, Wells Fargo has a duty as a data furnisher to provide complete and accurate information. Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. It further states that there is a 90 day compliance reporting period after the account is charged off. XXXX and XXXX does not show the Date of First Delinquency on my report and I have ordered the mail paper copies and confirmed that it is not being reported. I contacted the 2 CRAs and they show what Wells Fargo reports and also told me it is up to Wells Fargo to report it. XXXX has the incorrect DOFD too.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have been disputing inquiries that have shown up on my credit file on Equifax XXXX XXXX and XXXX since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( XXXX, Equifax and XXXX ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (PA)

On XX/XX/2022 I transfer {$330.00} from my personal checking account to my Coinbase prepaid debt card. Coinbase received the funds from my checking account on XX/XX/2022. 
Coinbase is holding that {$330.00} dollars, Coinbase is not giving me access to it. The {$330.00} was never applied to my Coinbase debt card. I called them XX/XX/2022 several times. The Coinbase reps told me that for security reasons my {$330.00} was placed on hold until XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have access to the funds. I want my money, please.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XX/XX/XXXX spoke with my current loan servicer and requested a refund of all payments made during forbearance period under the CARES Act, which should total {$5000.00}. Loan was transferred to current servicer from FEDLOAN only months prior to request, but I was told while speaking to my current servicer I could request all payments made to each servicer be refunded by the US Dept of Treasury at the same time, no need to make contact with FEDLOAN. Was told 30-45 days to process. As of XX/XX/XXXX, total balance has only reflected return of payments made to current servicer ( though those funds have not been yet been direct deposited to bank account ). No payments made to FEDLOAN during forbearance period have been refunded. Unable to reach customer assistance by phone to follow up due to consistent high volume of calls, and disconnection from line while on hold.
Consumer complaint received 2017-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I was a XXXX customer back in 2015 and was sent a letter from the credit agencies telling me that there was a XXXX data breach at Equifax credit reporting agency. I sold my phone that I paid off to XXXX. I later cancelled my XXXX for slow Wi-Fi and trade my phone service in to XXXX. While frequenting XXXX online I was sent numerous login confirmation stating my phone device was logged in from a XXXX service provider. This occurred for the entire time I had the XXXX telephone number. During this time as I tried to login they requested that I upload my government i.d . Card or they would n't allow me access to the XXXX website and my account. I suspect fraudulent activity and possible i.d . theft by XXXX and XXXX
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TN)

I was supposed to receive XXXX XXXX bonus points on XX/XX/2022 from a new cardmember bonus. I called Chase in the month of XXXX to verify that the spending minimum had been met and it was confirmed that it had and I would receive the bonus points on XX/XX/XXXX. This information was also refelected on my statement ( which is attached ). As of XX/XX/XXXX, I have not received those points and no one at Chase has been able to help. I did receive the points I earned spending but not the bonus points promised. I called Chase twice on XX/XX/XXXX and both times asked to speak to a supervisor but was unable due to unreasonable wait times. I also called XXXX rewards on XX/XX/XXXX and they confirmed that Chase is responsible for sending the points to them which had not been done. I have attached a copy of the points activity from my XXXX account which shows the spending points were posted but not the new cardmember bonus.
Consumer complaint received 2022-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

This astoundingly inept and unethical company which I never consented to working with has been the bane of my existence since they bought my loans. My credit is a dumpster fire because they reported me behind twice, 3 times each ( 1 mark for each loan ) for a total of 6 negative marks on my credit for delinquency. I am not disputing this as illegal, but its garbage customer service and a shining example of why student loans in the XXXX are such a problem. 

But thats not why Im complaining today. After the second go round with them destroying my credit, I signed up for auto pay. Then today I get an email saying I am 11 days behind. Nevermind the fact that I got misleading info on the recording when I called ( XXXX violation which could lead a customer to believe they had an extra day to pay before negative credit reporting ) which said I was 10 days behind, the rude customer service agent said I never applied for auto pay. Then when I asked for a payoff quote he just told me the amount, I had to ask for him to send it in writing. I am 100 % sure I signed up for auto pay to avoid this credit reporting fiasco, if their system didnt record it then yet again another XXXX. Of course I didnt pay, I assumed the auto debit was set. 

I am so angry and frustrated. This company and the XXXX poor customer service I receive every single time I call is absurd. The CFPB needs to get into their shop and start writing consent orders yesterday.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPTUM BANK, INC. (CO)

I filed a complaint already that the Optum Financial was falsely filing charges against my account. After they received your notice they fixed the problem. Then I closed the account and twice theyve told me they would send me the amount in my account. And twice they have refused.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I was sent a printed out picture of item I thought would be a physical belt. No where in the description did it list printed picture its a clear scam and I cant get any help since there is tracking for it I submitted evidence to XXXX and Wells Fargo and have been denied and getting the run around from both. The seller has even changed XXXX name at this point from XXXX to XXXX.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

THIS IS IN RESPONSE TO CFPB : XXXX YOU HAVE ASKED ME FOR AN AFFIDAVIT, IN WHICH I PROVIDED IN THE INTITIAL COMPLAINT. PLEASE DO NOT STALL AS YOU HAVE 30 DAYS TO RESPOND BACK AGAIN FOR A REINVESTIGATION FOR VALIDATING THIS DEBT. PLEASE DO NO VERIFY INFORMATION USING XXXX AS THAT IS IRRELEVANT. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX AMERICOLLECT XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence  dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''