davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/2023 : owned accounts between Wells Fargo Bank-checking and XXXX XXXX XXXX XXXX XXXX were linked for electronic transfers per Wells Fargo process . 
XX/XX/2023 : {$1000.00} transferred to XXXX from Wells Fargo. Transaction credit never acknowledged by XXXX. Trace ID provided by Wells. 
XX/XX/2023 : Spoke with XXXX on-line help to see why the deposit was not reflected in my savings acct. Spoke with Wells Fargo on-line transfer help line to see why deposit to XXXX was not made. Initial claim generated with Wells Fargo Claims Dept. Claim XXXX XXXX 
XX/XX/2023 : Wells Fargo closed claim per " miss-applied funds '' by XXXX. Wells went into my XXXX savings account and transferred {$1000.00} back to Wells account to close the claim. The original {$1000.00} transfer was never shown as a credit to my XXXX. 
XX/XX/2023 : FDIC Case XXXX XXXX filed on-line via the FDIC web site. 
XX/XX/2023 : Wrote a claim letter to XXXX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from Wells Fargo. 
XX/XX/2023 : FDIC Case XXXX XXXXXXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXXXXXX. 
XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. 
XX/XX/2023 : completed a complaint on-line with Consumer Financial Protection Bureau .
Consumer complaint received 2022-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I opened a XXXX Savings Account, as part of the onboarding flow, I connected my XXXX  XXXX XXXX account and transferred in XXXX dollars. 

On XX/XX/XXXX I received two " change of address '' notices, alerting me that they had to correct the address I'd added when I signed up. 

On XX/XX/XXXX I tried to log into my XXXX account, and saw that it was " Temporarily Locked ''. The website said to call in order to unlock it so I did. I gave all my identifying information, and they requested that they mail me an affadavit of identity, have it notarized, and then for me to mail it back to them. I'd asked them to just send me the money back, but they refused. 

On XX/XX/XXXX, I called XXXX again as I still hadn't received a letter. They assured me that the form would take 7-10 business days to mail to me. I asked them what address they'd mailed the letter to and they confirmed they mailed it to my home address ( below, I describe how I was told something different by another agent ). 

On XX/XX/XXXX, I called XXXX again as it had been 10 business days. I also noticed in my email that after my call on XX/XX/XXXX, I received an email saying my account had been closed ( even though my money was not returned to me ). I asked about this and received 0 information. I asked again about the letter they were supposed to send me, and they had said that they sent it to an address which was not my home address ( it was an address that did not exist, perhaps a result of them having the wrong address for me originally on file ).
Consumer complaint received 2022-11-20
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. (AZ)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-11-20
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 (TX)

My name is XXXX. 
I feel frustrated because I don't understand why my account has been limited without any reason. 

XXXX XXXX. 

I don't have any dispute on my account. 
I just received {$1.00} XXXX  from family and friend and after payment the system place the limitation. 

I do not associate with nothing ilegal. 
Please help me.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BlockFi Inc (VA)

Money secured in my name in a cold wallet by Blockfi is trying to be used by Blockfi to satisfy secured creditors in upcoming bankruptcy. They have blocked withdraws of secured funds in a wallet and not allowing access so that they can use the funds to pay creditors. I just want the ability to withdraw my own money from my own digital wallet.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I proceeded to my XXXX where there were two XXXX boys selling chocolate. They approached me asking if I was interested in buying a bar to raise money from their high school basketball team. I said I would buy one but didnt have cash on me and tried to walk past. They said they had XXXX XXXX  and Venmo. I thought sure why not? I asked the guy what his Venmo was but he said he could input it. Foolishly and regretfully, I allowed this person to input the amount. When he was done, I asked for a chocolate after he finished the transaction, which at that point, I didnt check yet. He was so hesitant to give me it. I walked into the XXXXXXXX and to my dismay this person charged me {$1000.00} dollars for a chocolate bar. I knew I was scammed. I immediately told security of this incident and told them those XXXX were scamming people on their property. This is a XXXX located in XXXX on XXXX. I went back to my car and called XXXXXXXX XXXX  to stop the payment. I also filed a dispute with Venmo letting them know of all these details and they froze my account for my safety, at least that was what I was led to believe. 

Today, I received two emails letting me know that they had withdrawn the remaining {$7.00} from my Venmo account and paid this individual {$1000.00} and that I owed Venmo the remaining {$990.00} after the trauma of being deceived out of my own kindness to help what I thought was good only to get backstabbed my Venmo aka PayPal aka a scam. 

I had every right to protect myself and now Venmo is siding with the individual whos basically a criminal and probably working under larger criminal entity for all we know.
Consumer complaint received 2022-01-05
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting XXXX XXXX as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : ( XXXX XXXX Date of inquiry XX/XX/2019 )
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I terminated a rental lease for serious medical reasons with the understanding, according to t heir contract ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered  to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

Loaded {$100.00} on XXXX  Prepaid Visa on XX/XX/2022 at XXXX XXXX ( XXXX CA ). 4 hours later, XX/XX/2022 at XXXX XXXX there were two purchases I did not make XXXX XXXX XXXX  XXXX ). Filed a dispute with InComm Disputes. There have been countless complaints with this Gift Card company.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

On or about  XXXX   2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that   XXXX   validate the debt and send me a copy of the application, or contract that was used to open this account. They never replied back to the validation letter. Now Enhanced Recovery Co is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (FL)

Attempted a XXXX withdrawal at XXXX XXXX  XX/XX/XXXX and money was not received when promised at XXXX XXXX XX/XX/XXXX and I still have yet to receive it on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (VA)

Chase Bank USA continues to try and collect an unverified debt that, per their own records, they are no longer attempting to collect. In XXXX, Chase Bank won a judgement against me in the amount of {$38000.00}. This is after I sent debt validation letters and received no response until I happen to check Virginia 's circuit court case information on my own. This violated the Fair Debt Collection Practices Act as they never verified or validated this debt during the 30 day window, improbably served me court papers, and the only response after my debt validation letters were court papers -- no facts, just underhanded schemes and fiction. 
Years go by, it 's been a struggle, financial life ruined, credit destroyed, and I still have this unverified default judgement on my report. As a result of the judgement appearing on my credit report I 'm sure I lost out on numerous job opportunities once potential employers saw such a massive amount of debt. Then in XXXX, Chase sends me XXXX for the bogus debt. They explain that they are no longer attempting to collect the debt but the total amount on the XXXX sent, {$39000.00}, does not match default judgement which further proves that they never verified this debt and just pulled numbers out of thin air. On XXXX of the XXXX, I have never idea which account they are even referring to -- it 's probably not my account. It does n't even appear on my credit report or in the bogus default judgement. In the letter it states, they are only reporting principle balances and not interest and fees, but this is still inaccurate based on the numbers from the default judgement. They also stated that they will still report to the XXXX credit reporting bureaus any account information. This furthers harms my credit because of the difference between the judgement and what Chase Bank discharged, the principle and interest that continues to be reported, and the default judgement amount and credit balances appear separately so it looks like I owe Chase Bank a lot of money.
Consumer complaint received 2022-01-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

For months now, Navient has been calling this number looking for XXXX XXXX. I am XXXX XXXX. I do not do business with Navient nor have I ever done any business with Navient. I dont have any loans with Navient nor have I ever had any loans with Navient. I have asked them repeatedly to stop calling this number as they are waking me during my sleep time. I work in law enforcement and I know that their continued harassment of a third party ( which would be myself ) is illegal. Tonight, I called their number back to ask them yet again to stop calling me since I do not do business with them and they was told by the woman that took my call that the calls would continue and that she was forwarding my info on to the account manager and that they could deal with me. She also told me she was discontinuing the call when I told her I would record the call for legal purposes. Theres nothing to deal with, I DO NOT DO BUSINESS WITH NAVIENT.
Consumer complaint received 2016-07-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (FL)

Refused Mortgage because I am a XXXX despite my great credit rating and excellent work history. Reasons were given through a text, gap in employment, a number of different staffing agencies. No credit for gross income or ability to find good paying contracts or that my wife had a full time position.
Consumer complaint received 2017-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: DISCOVER BANK (CA)

I sent a wire international transfer from  XXXX   XXXX   XXXX  to discover bank on  XXXX / XXXX /   2017  and got rejected by  XXXX    XXXX    (   XXXX   XXXX   ) be cause the name is Discover instead of a real person name.Now my fund has been returned back to my  XXXX    XXXX   XXXX   and been deducted {$15.00} fee by  XXXX   XXXX , I also lost  XXXX  which equals to {$46.00} USD of the wire transfer fee which charged by  XXXX   XXXX   XXXX .   I am so frustrated because I follow the exactly instruction that discover bank provide. There is nothing wrong from my side and my lost is cause by the wrong information discover provide.I use discover service because it do not charge any incoming wire transfer fee.But now I lost even more. Both time and money. At least,  Discover  should be responsible to provide the wrong info through its website.   Wire out {$43000.00} Money refund {$43000.00}
Consumer complaint received 2022-11-20
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. (NV)

Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all 3 bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

After I filed a complaint with this agency over USbank not releasing my money in my closed checking account, they retaliated by closing my credit card account immediately. 

This account was a XXXX XXXX XXXX XXXX with a {$95.00} annual fee that I was charged to receive reward points but they are refusing to let me redeem the rewards points which has cash value and they also refusing to refund the annual fee that I paid for the credit card. 

Per USBANK manager over the phone, due to the way closed the account he was not able to apply my points to my statement, also not able to refund the annual fee charged for the account.
Consumer complaint received 2022-04-25
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. 

The 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 investigated 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (FL)

I received a request for XXXX document for my condo on XX/XX/XXXX. I immediately emailed the proof of the policy to BBVA Compass provided email. In couple weeks I received another warning from BBVA to place a mandatory Wind policy on my account. I called BBVA and they did not have my policy email and emailed that again to another email provided by BBVA on XX/XX/XXXX 
I did not work again. I received a statement that BBVA has placed a Wind Policy insurance on my account and my payment increased starting XXXX XXXX. I called again and they still did n't have my insurance. I emailed the proof again on XX/XX/XXXX. 
On XX/XX/XXXX I received a mortgage statement still showing wrong amount due for XX/XX/XXXX payment. I called BBVA again and they confirmed they just " sent a request '' to recalculate the payment. 
This is truly not a fair practice.
Consumer complaint received 2023-03-28
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 (NV)

I received a text and call from AFFIRM on Sat XX/XX/2023 letting me know that they had suspected fraud on my account and someone tried to apply for a loan. They had me verify a passcode that they sent to me as a text message and as an email to verify that I was not trying to apply for the {$4500.00} loan. Then they told me they were opening a case and would investigate. I then received a call on Sun XX/XX/2023, letting me know that the person who applied for the loan was arrested and that my account would be locked for about a few days while they took care of stuff. I had no idea that this person who was calling me was actually not from AFFIRM and they were actually the ones committing the fraud. On Monday XX/XX/XXXX, I saw that a loan had been approved under my AFFIRM account and that the funds had been used. I contacted AFFIRM and they said they had no record of them calling me about fraud and that they would have not ever done that. I opened up a claim with affirm Case # XXXX and they took 30 days to respond to me saying that they believe that I am still responsible for this loan. They requested that I sign an affidavit which I did and I also provided them a copy of the police report I filed # XXXX and a screen shot of the fraudulent text message I received from someone pretending to be them. They then took another week to tell me that they were standing on their original stance of stating that I am responsible for this loan. 

I have contacted XXXX XXXX XXXX to help me as an advocate and they referred me to this site to file my claim.
Consumer complaint received 2022-11-20
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, This Accounts has violated my rights : __________ Account : # XXXX Account : # XXXX 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.________________ Account : # XXXX Under XXXX : __ Last Payment XXXX Open Date XXXX Closed Date N/A___ Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Under XXXX : ___ Last Payment XXXX Open Date XXXX Closed Date XXXX Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Account : # XXXX _________ Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under Equifax : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX