davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

XX/XX/22 Digitally submitted my brother-in-laws death certificate to XXXX XXXX XXXX. Per his will, I am his personal representative and he left his entire estate, specifically mentioning his Wells Fargo account, to a charity. 

XX/XX/22 Called XXXX XXXX XXXXXXXX. On hold 10 minutes. After about 20 minutes, the representative told me that Wells Fargo didnt have a form for this situation and I would need to go through probate. 

XX/XX/22 After researching Idaho small estates, filled out Small Estate Affidavit from XXXX XXXX website and had notarized. 

XX/XX/22 Called XXXX XXXX XXXX. On hold 10 minutes. Representative had me email Affidavit and will. She then indicated the affidavit did not meet all of WFs criteria as it did not specify the bank account nor include an under penalty of perjury statement. She further indicated that legal still might not accept the affidavit since I was not the charity. 

I asked to have the WF affidavit form emailed to me. It did not immediately arrive but the representative thought it had probably gone to an external email queue. 

XX/XX/22 Email never arrived. Called XXXX XXXX XXXX. On hold 17 minutes. Representative told me the form had been sent via USPS, not email. 

XX/XX/22 Form has still not arrived in either format.
Consumer complaint received 2022-03-08
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. (MD)

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-UnfaiXXXX practices Under 15 U.S code XXXX civil liability
Consumer complaint received 2022-03-08
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander Consumer USA repossessed vehicle without notice, payment was demanded to retrieve personal belongs, and under the laws of the State of Florida, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

My Citi awards account was closed since I have had two payment issues in the last 6 months. I have checked with my bank and this is what seems to be the issue. 
a. I have autopay with Citi to pay full balance each month. I have been doing this for decades with Citi ( same acct since XXXX ) and do it with 3 other cards each month sucessfully. 
b. Citi apparently produces a substitute check instead of pulling the amount electronically. I have images of the checks they have submitted for payment. 
XXXX XXXX XXXX and XXXX the bank rejected the payments since the checks no longer meet the security standards. They told me this is a common issue with Citibank, but not with other companies. 
d. The Citi service center first told me I had to wait for a letter to see why acct was closed ( even though they call me and email me for other stuff ). Tonight I was able to open a case only after insisting I speak to a supervisor. The first agent said he checked with a supervisor about my case and I would have to provide them info to reopen my acct. When I asked for supervisors name, he said " We have a lot of supervisors '', so did he just flat out lie to me about checking with a supervisor? Very unprofessional and shady. 
e. The case id is XXXX filed on XX/XX/XXXX ( I guess its tommorrow at the call center ). She wants me to mail ( again the mail ) in copies of the check that Citi submitted to my bank, a check they produced ( remember I am on autopay, I did not touch the paper checks they are sumbitting. In fact the service center denies they are sending checks to anyone but cant tell me why my autopay is not working every month, or why it works some months. Also I do not want to submit more paperwork to them as it has acct info on it. They should know what they sent to my bank.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: SYNCHRONY FINANCIAL (KS)

I have credit thru PayPal financed thru synchrony bank, I purchased a payment security in case of illness loss of job or death ect. On XX/XX/XXXX I became XXXX  and started falling behind on payments. I contacted payment security back in late XX/XX/XXXX early XXXX  and let them know I needed to process a claim they made 3 payment I believed and asked for doctors letter they provided which I had doctor fill out ad send to them so they could continue to make payments or pay debt once they received it they send a letter saying they needed another doctors note signed on or after XXXX to continue with assistance. I feel I have provided enough information and everything they have asked. and they have falsely advertise a service they Are not providing.
Consumer complaint received 2021-12-22
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. (IN)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support
Consumer complaint received 2022-03-08
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. (TX)

Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to Equifax and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made Equifax aware on numerous occasions that I do not consent to their e-Oscar or any other type of automated methods for investigations. Today is XXXX XXXX and nothing. Equifax has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA XXXXion 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (OH)

AmSher bought my debt as a 3rd party debt collector which I gave no permission to sell my debt from a medical bill from prior years and continuously harasses my family members phone who repeatedly told them to quit calling that it is not my phone number.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

Repeated attempts to contact Mohela to both gain information re : my student loans that they managed, and well as to request account updates, have resulted in zero responses. The loans they serviced were federal DL loans. 

During the pandemic, I made payments towards, and paid off in full, student loans that were held/managed by Mohela. These payments were voluntary, and not required, as they fell within the parameters of the interest/payment pause beginning in XXXX of XXXX. Since the initial announcements by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to contact Mohela to confirm the amounts I paid during the period of interest/pause, and to request a refund of said amounts in order to take advantage of the forgiveness. 

Despite stating to a response will be issued within 3 business days of messages being sent, I have yet to receive any response from Mohela to messages I submitted on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( I just sent this today ) In addition, I have spent more than 12 hours on hold over the span of 6 different phone calls, and as of today, they are " not accepting calls ''
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX I was denied an extension of credit by Wells Fargo Auto thru XXXX XXXX XXXX XXXX XXXX application # XXXX, as you may be aware it is against federal law thru the Equal Credit Opportunity Act to proclaim adverse action against a consumer pursuant to 15 USC 1691 ( c ). Wells Fargo auto is assuming covial liability pursuant to 15 USC 1691 ( k ). My consumer rights have been violated thru the laws in place by congress, proof and evidence I have is the letter mailed to me on XX/XX/2022 from Wells Fargo auto. Also note 15 USC 1681m ,15 USC 1642 and 12 CFR 1002. I would hope Wells Fargo can rectify this situation for the use of my social security number!
Consumer complaint received 2022-10-18
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: CORELOGIC INC (IL)

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states that the consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666 b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

i have tried for several months with chime to get my money back due to unauthorized charges! they have disregarded my police reports, text messages, etc. the dates have been XXXX XXXX up until today which is XXXX XXXX this is absolutely ridiculous! i wouldnt recommend anyone bank with these scammers.
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Albert Corporation (CO)

I used my Albert card for a security deposit at The XXXX XXXX XXXX XXXX, XXXX NY on XX/XX/22. The hotel placed a {$60.00} hold on my card and informed me the funds would be released at the time of check out on XX/XX/22. When I checked out of the hotel I was informed that the funds were released in full and I would be receiving my full {$60.00} back within 24-48 hours. After 48 hours I did not see the deposit back in my account. I reached out to Albert about the issue and they told me the hotel had not released the hold. I immediately called the hotel and they informed me that they had in fact released the {$60.00} hold and to contact my bank about the issue. I had the hotel email a statement with proof the funds were released. I am now going on 3 weeks with being ignored by Albert about this situation. They have continued to ignore me and when they actually do respond they tell me they are working on it and give me no timeline or explanation about where my money is. This lack of consideration to me at their customer has caused me to receive over draft fees along with emotional hardship from not receiving any support of explanation as to what is occurring. The fact Albert denied any fault until I showed them proof the hotel released the hold goes to show their shady business practices. The fact I have been ignored, neglected, gone into debt and now have financial hardship along with emotional distress also shows they have no consideration for their customers.
Consumer complaint received 2022-10-18
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. (LA)

On XX/XX/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.
Consumer complaint received 2022-10-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-06-05
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. (OH)

The 3 reporting agencys have made decisions in less than 5 days from recieveing disputes asking for removal from my reports until further investagtion r complete and meets the standards of the law .they received my disputes on the XXXX of XXXX and made desisions two days ago some company 's they don't even list or have contact numbers for. please help me I am XXXX yrs old and I'm scared my info on the XXXX  XXXX  please make the seal my info tight and remove anything that not valid. I have downloaded just a few of the letters my lawyer sent to them with dates on the letters. I have also downloaded proof of all the injuries that just XXXX  has let access my files. While frozen
Consumer complaint received 2022-06-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted XXXX, XXXX and Equifax to remove all unauthorized inquiries that are listed below. 

XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase bank have restricted my account with no justifyable reason. They are holding on to my funds and this is the worst banking experince i have ever had to endure. I no longer wish to bank with this bank and i would like my account closed and my funds mailed to me cashier check. thanks
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (FL)

My equifax does not allow me to dispute directly. Each time I get CFPB involve this company drops my score for things that it should not affect my score or there is not change at all. 
XX/XX/2022 I am an authorize user of XXXX XXXX XXXX XXXX account # XXXX which is in good standing and at a XXXX. Equifax negatively impacted my credit which is illegal for authorized users. They took XXXX total points for me being added to this good standing account bringing my credit rating down. 

XX/XX/2022 Equifax added {$120.00}, XXXX debt on my credit report for XXXX  XXXX servicing which is inaccurate. They decreased my score XXXX points for this error and has not replaced them for the inaccurate balance showing. 

I have lost a total of XXXX points for their error and an account that I am not the owner of because I filed a dispute with CFPB. 

They continue to give me my score back then close my dispute then turn around and take huge points away for no valid reason. I am starting to believe I am being discriminated against and should seek legal representation.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

I made a promotional purchase using a Synchrony XXXX store card on XX/XX/XXXX for {$3200.00} at 0 % interest if paid by XX/XX/XXXX. I declined to accept the " card security '' offered with the purchase. In XX/XX/XXXX, I discovered that I was being charged for card security despite declining. I called Synchrony who agreed to refund the card security charges as well as the interest charged to that point since it was due to the card security charges. At this point, the total amount charged in interest and card security was {$270.00}. Synchrony only refunded {$260.00} on XX/XX/XXXX. Over the next 6 months, Synchrony continued to charge interest. The total charged from XX/XX/XXXX through XX/XX/XXXX was {$10.00}. The total interest charged was {$24.00}. When informed of their mistake of continuing to charge interest, Synchrony agreed to refund the {$10.00} charged since XXXX, but refuses to refund the remaining {$14.00}. Because I never agreed to the card security charges and only made one interest-free purchase, Synchrony should never have charged interest and should refund the remaining {$14.00} immediately
Consumer complaint received 2022-06-05
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. (NV)

In accordance with the Fair Credit Reporting Act. XXXXXXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX - XXXX has violated my rights, XXXX  XXXX | Original creditor : XXXX IN - XXXX has violated my rights, XXXX XXXX, XXXX  | Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX - XXXX has violated my rights, XXXX  XXXX  | Original creditor : 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 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have never given accounts written permission to furnish on my credit reports.
Consumer complaint received 2022-10-17
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: Nicholas Financial Inc. (GA)

Unauthorized use of my private information ; fraud by using my personal information to apply for credit cards and unauthorized use apply for car loans and some form of line of XXXX XXXX XXXX BANK XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX, 2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 THE XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Both my credit card from Chase ( XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card ) charged me a late fee of {$28.00} for each card. The due date which is XX/XX/XXXX fell on a Sunday which isn't a business day for the bank. I paid my payment today which is XX/XX/XXXX, a Monday, and Chase wouldn't reverse the late fees. 

I believe the late fee is assessed wrong but when I reached out to Chase they told me that the due date is the due date, no exceptions. Under CFPB legislation I believe the consumer has the next business day to pay the due date without being penalized for the late fee. 

I hope this complaint will fix the wrong assessment of Chase and I'm sure Im not the only one that is being wrongfully assessed the late fee.