davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

I am following up on a complaint that was filed a few months ago, # XXXX. US Bank still has not reimbursed our checking account for the {$15000.00} that was stolen. This has been going since early XXXXUS Bank allowed a check that was white-washed from {$40.00} to {$15000.00} to be cashed even though a stop payment was put on the check prior to the check being cashed. I don't understand how this is even our issue. What's the purpose of 'stop payment ' if the banks are going to cash the checks anyway? If this isn't resolved I will be forced to seek legal advice.
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit card plan as late for any purpose.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (TX)

Theyve called XXXX times about a water soft system, and Ive repeatedly told them I dont have whatever that is! They are saying they have my signature but I havent signed anything about a water soft system! I dont live at this address they say it is located! I was told by XXXX of there agents that this would be removed, and now I have to go through all this headache. Ive never been married ever, they are saying I signed this with a spouse. This is putting a bad impact on my credit report, not to mention it is reporting as a credit card, I dont have any credit card for this company! I would like this fraudulent inaccurate information removed from my credit report. I have attached a image of this reporting as a credit card, but how can a water system be a credit card! This really hurting me, reporting this false information
Consumer complaint received 2022-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I joined a promotion of XXXX XXXX XXXX  in XXXX in Citi Bank XXXX XXXX XXXX, that is I deposited {$50000.00}, I can get a XXXXXXXX XXXX XXXX it cost around {$250.00}, the bank promised I can get it before XX/XX/XXXX, but I didnt get it at that time, when I got to the XXXX XXXX XXXX, they told me they dont have it for me. I went to the branch many times, they said there is no guarantee, this bank have many fraud, misrepresentation advertisement. 
The location of this branch : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Phone number : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-02
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. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

CFPB Wells Fargo is refusing to answer what it did with the loan payoff I sent. 

The payoff was't sent back or applied. 
What did Wells Fargo do with it? 

The loan holder couldn't make Wells Fargo apply the payoff. The loan holder couldn't make Wells Fargo send the payoff back. 

Wells Fargo saw the payoff amount & decided to keep it. The loan holder couldn't make the bank be honest. 

Wells Fargo has had all the information to look into all this since XXXX. 

Before I sent the payoff I signed it in front of law enforcement & had them keep a copy.
Consumer complaint received 2021-07-22
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: JPMORGAN CHASE & CO. (TX)

I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and Chase are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,
Consumer complaint received 2022-10-31
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: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX Chase bank, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an Open-end consumer credit plan as late for anv purpose.
Consumer complaint received 2017-02-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

My wife is the executor of her father 's estate. He passed on XX/XX/2017. He had an account at Suntrust Bank. His name was XXXX XXXX XXXX ( deceased ). There are XXXX siblings who are supposed to receive XXXX each according to his will and beneficiary list provided to Suntrust Bank. My wife personally dropped off a certificate of death, which was required at the branch on XXXX XXXX, XXXX, XXXX. An employee named XXXX, took the original and scanned the doc into their system so the disbursements could begin. Each of the beneficiaries had to submit a letter, explaining who they are with proof of ID, namely a drivers license. This has been done. My wife has also provided their disbursement department in XXXX with the appropriate letter, and XXXX ID ( drivers license. ) This took place almost two weeks ago. On Friday, XX/XX/2017 we received a letter from their disbursement department in XXXX without signature, stating that the Certificate of Death that my wife personally dropped off at their branch was not put into their system. I immediately went to the Post Office and overnighted the original docs, actual death certificate and ID to again, initialize the process. The local branch could not provide an answer to why the original information was returned, when the branch had the copy of the death certificate scanned into their system. I told the branch manager, XXXX XXXX, at the brance on XXXX in XXXX, that I was going to make a formal complaint as I believe the bank is giving us the runaround. She said she understood, and after 6 hours contacting her again this morning, nothing is resolved.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My husband called chase to issue a new credit card on XX/XX/XXXX since he had a fraudulent charge from XXXX. Chase said they would mail out a new card and it would be to us in 3-5 business days. On Saturday XXXX, my husband was at work, phone stopped working, he got home at XXXX on Saturday and noticed chase app alerts- he called chase bank and there was a withdrawal of {$8000.00} from his checking account ( at XXXX at the XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and {$40000.00} from our shared checking account ( at a chase branch at XXXX XXXX XXXX XXXX XXXX ). On Sunday XXXX, we called chase to cancel all our cards, including the one that we were still waiting on, and they said there was already charges made on the credit card as detailed below. 

XXXX XXXX ( EST ) XXXX XXXX {$14000.00} XXXX XXXX ( EST ) saks XXXX XXXX {$3100.00}. XXXX was tried XXXX times between XXXX and XXXX ( EST ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX {$1200.00} We filed a claim with chase once the withdrawal transactions were posted which was Tuesday XXXX as they said they could not do anything while the transactions were still pending. After speaking with multiple chase representatives both on the phone and in person since XXXX, it wasnt until I called on XXXX to ensure they received my affidavit form to complete our claims process to start their investigation that they then informed me I needed to file a police report to complete the process and start the investigation. We faxed over the police report on XX/XX/XXXX, called daily but they said they never received, resent it again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally they said they did receive it and were able to start the 3-5day investigation process. I submitted a claim to the BBB regarding Chase bank, and thus my case was escalated to the chase executive branch, supposedly highest level of escalation. Our case liason has been very hard to reach, does not return calls. When we are finally able to get in touch, they continuously ask the same questions over and over despite us previously providing the answers multiple times. It has been over 30days now, our money has yet to be returned to us and we can not get any information as to when we can expect our money back in the accounts.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (FL)

Good Afternoon, Today I noticed that chase Bank pulled my credit without my approval. I didn't give any authorization for chase to pull my credit and I have no chase products. XX/XX/2022 is the day my credit was pulled. Please investigate, thank you.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (FL)

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT FL XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name
Consumer complaint received 2022-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Navient took way more money out of my account than authorized and never issued my refund. I have been constantly calling them and sending them my bank statements to get this resolved, however they continuously give me the run around and each rep provides me with different information and different steps to take. I have submitted bank statements twice that reflect I have never received the refund. 

I believe they are engaging in unfair and deceptive business practices.
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I received an email from my XXXX  career fair for a job listing that is supposed to help me make {$500.00} a week so that I can stand up on my feet while doing XXXX. Anyway, I talked to the person indicated in the email for further action. This person emailed me 2 checks and asked me to Wire money and send the XXXX amount to the person who's supposed to get the job done. I DID NOT WIRE OR SEND ANY MONEY UNTIL THE CHECKS WERE SETTLED AND CLEARED IN MY BANK ACCOUNT. THEN AFTER 22 DAYS XXXX Wells Fargo REVERSED THEESE 2 CHECKS. I filed a claim when I saw the checks revision and on XX/XX/2022, I received a letter saying " YOUR INQUIRY IS DENIED ''. I have been suffering financially and emotionally since Wells Fargo REVERSED THEESE 2 CHECKS. I have never seen a bank in history takes 21-22 days to validate the creditor bank account. I am a XXXX. I live on XXXX XXXX XXXX XXXX XXXX, and Wells Fargo doing that to me.
Consumer complaint received 2022-08-24
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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 2022-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (SC)

Received a letter from Comerica Bank about an open checking account on XX/XX/XXXX. Called Comerica Bank, spoke with representative indicated I did not open the account. Informed the account was caught by the fraud department. Account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HOME BANCSHARES, INC. (AR)

On XX/XX/XXXX my balance at Cenntinial Bank based out of XXXX, AR was listed as - {$780.00}. 

7 NSF charges were listed ( see attached files ) One of which was {$1100.00}, which far exceeds {$780.00}. This charge had been processed 3 times by Centennial Bank even though it was issued once on XX/XX/XXXX to a XXXX credit card. According to XXXX transactions, the sent it once and charged me a returned check fee. ( Also attached ). The amounts of the other 6 NSF charges were : {$0.00} {$0.00} {$10.00} {$90.00} {$220.00} {$300.00} This is the very definition of debt resequencing. If XXXX bank would have paid the 6 smallest charges, they would have only made {$35.00} off me. Instead they made {$240.00}. This is only the most recent offense since they processed the payment 2 other times.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern : This is one of many problems with JP Morgan Chase. I have been with them for decades. Including my family. They took it upon themselves to close my Checking account and savings account that is also linked to a joint Checking and savings account with my mother. The branch that knows about all of this doesn't have access to any information. They have tried to call telephone numbers and I have tried to call telephone numbers and there is zero response. In turn this has affected my credit cards with JP Morgan Chase because I can't speak to anyone and everyone at the branch has been laid off. Therefore no one has any access to any information. I am not sure if there is fraud or something done in a malignant way to me. It has affected my credit with XXXX and the credit services. I have no idea what happened but someone did threaten me to close my accounts at JP Morgan Chase but she was unable to do anything according to what I was told. She had no explanation other than she is no longer with the branch and was either let go or is somewhere else. Regardless I don't know what to do and I am desperate. Your help is greatly appreciated.
Consumer complaint received 2015-07-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (CA)

I received a call on the morning of XXXX/XXXX/15 at XXXX. I called back the number at XXXX and let the person who answered know that I was returning a call to this number. The person on the phone confirmed my name and last XXXX of my social security. He proceeded to tell me his name was XXXX and that he was one of the Supervisors there. He did NOT tell me that he was trying to collect a debt or that he was a debt collector, he did tell me that he was calling because I had committed a fraudulent act by writing a bad check to XXXX XXXX XXXX and if I did not talk to him he would forward my paperwork to the proper authorities and inferred that I could be thrown in jail. He almost gave me a XXXX!! 

Knowing that I had not written a bad check to anyone I requested that he send all paperwork to the police, since writing a bad check is illegal. I also let him know that I have an account with that bank. He then threatened me again that he would be forwarding my case to the proper authorities. I then ended the call. i calmed myself down and called the same number back and got a female. I explained what had happened and told her I would be filing a complaint with the Attorney General. I asked for her company name and address she would not give it to me. She asked for my name and said I was not even in her system. I requested her company info again and she transferred me to another female. I again explained my story and requested her company name. She asked me if the word Jail was mentioned and I confirmed it was - I also let her know that I was threatened by this guy and if she has recordings she confirmed that conversations are recorded. She requested my name and after searching her system she said that they were a debt collection company trying to collect on a XXXX payday loan. I told her that this XXXX person told me it was a bad check written to XXXX. She gave me the address of her company and would no longer respond to me so I hung up. She told me that the guy I spoke with was a XXXX XXXX XXXX and he was not a supervisor. 

The Company does business as : Clear Credit Solutions at XXXX XXXX XXXX # XXXX, XXXX Delaware XXXX believe that what was done to me was extremely threatening and hostile! I got XXXX when he told me that I had broken some law and was subject to some type of penalty including jail. I believe that this company rep has crossed a line that is illegal and I would like to pursue legal justice.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021 I realized my tax return was being sent to the wrong bank account. My bank account ends in a 2, but the bank account I had put on the form ended with a 4. I called the bank 1st think Monday, XX/XX/2021 ( the date of the direct deposit, ) to inform them of my situation. I spoke to a manager who told me they located the direct deposit, and that they were putting a stop to it. I was told the money would be rerouted to my account in 24-48 hours. 4 days later on XX/XX/XXXX I received a notice that no action was being taken. I called the bank and was told my refund was rejected. Per the IRS website, I saw that once rejected the money would go back to the IRS and I would be sent a check. Fast forward to XX/XX/2021. The Stimulus payments were about to go out and I called the bank to give them a heads up, since the IRS is using banking information from tax returns. It was during this call I was told that my refund was NOT rejected, it was placed in someone else 's bank account. The woman I spoke to was so rude I got off the phone crying. I spoke to her manager who told me that she would do everything she could to help fix everything. I was also told that we would be getting our money, and that worst case, the bank would take a loss. We continued talking to the bank for days. They did end up sending the stimulus money back, and I received a check from the IRS. I still have received nothing for my taxes. I have called the bank multiple times and I am given different answers each time. I escalated to the regional manager who told me there was nothing they could do. The IRS told me the check should have never been accepted since it had our names on it, but the bank continues to say that refunds have no name. Fast forward yet again to XX/XX/2021. Child Tax credit payments are getting ready to be sent out. We called the bank AGAIN to let them know this payment will be going into this person 's account. We are told they will get back to us. A week later we call AGAIN. We filed a claim, the payment went into the people 's account on XX/XX/2021. I received a notice today that the claim has been rejected. Someone called and left me a voicemail on XX/XX/2021. I called back the same day and left her a voicemail and never heard from her again. It's ridiculous that we are told so many lies, no one is helping, and someone has {$6900.00} of our money in their account. And we know it's an actual bank account because one of the tellers told us it belonged to someone. Same routing number and every digit the same of the bank account number aside from the last number being a 4 while ours is a 2.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (MI)

I initiated a balance transfer over 6 weeks ago with my credit union to pay off my Citi Card account. Citi has subsequently refused to apply the payment. I have been fighting with them for over a month. First they claimed they did not receive the check, when I provided proof that they did ( and deposited it ) they then claimed they could not tie it to my account. When I pointed out that the copies of the check clearly show my correct information they made me send information to payment investigations. Two weeks ago it was confirmed by Citi that the payment was located and would be applied to my account. It still has not been and they refuse to give me further information. Meanwhile I cancelled all of my autopayments with them and confirmed it with a representative. Two weeks later they are claiming that I did not do so and they will not allow me to do so. They are stealing my money.