davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

My brother who is XXXX tried to send me a check for XXXX Wells Fargo deemed fraudulent, they said to have him send another check which he did, I went into the Wells fargo branch opend a new account deposited the money, the bank XXXX approved the check. We are dealing Wells fargo to Wells Fargo, we both have the same last name and my name is on XXXX of his other accounts. Again they said it was forgery, then in speaking to Wells Fargo I explained my brother is in the hospital can not walk and wont be released anytime soon. They advise for him to do a wire transfer since he can. He did that on XX/XX/XXXX. Next thing i know my accounts are frozen. for Fraud. I call the fraud number, explained it isnt fraud, she said can your brother call. I said yes. My brother who by the way is in another state, calls the bank they verify and he confirms he wants the transfer of XXXX to be sent to me. They said they didn't believe him, even though they sent a pin code, and asked his social, birth date etc. He gave them all my info as well. They said he needs to go to the bank,. he explained he is in the hospital and can not walk and if he could go to the bank he wouldn't need to do this. He then tells them just leave the money in his account and release my accounts and they wont do that. I call back and they refuse to help me and still consider this fraud. We follow their instructions and do exactly what they said and get everything verified. Even the person on the phone said all of the information is verified, but whomever is making a decision that is affecting my brother who needs help now to have someone pay his bills and my access to my banking. They are ruining our lives for no reason and causing all of this XXXX and locking up my accounts is absurd. I have been a customer for over 20 years as my brother has been. I need someone to help. No XXXX will.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I went to a Chase ATM on XX/XX/22 around XXXX and deposited {$220.00} dollars in cash. The ATM gave me no receipt and my account did not update with the cash deposit online. I noted the Terminal ID on the screen : XXXX. I've sent messages through my online banking profile with Chase about the issue. I'm also currently on hold with customer care. 
I was on hold for XXXX minutes when someone finally answered, I told them the problem, and then they immediately put me back on hold with no explanation of a possible solution or what next steps would be. It's now been an additional XXXX minutes of hold time. I understand that my complaint may be premature and possibly may be resolved by Chase... but I'm taking no chances. I can't be on hold all day as I have to leave for work at XXXX and it's currently XXXX.
Consumer complaint received 2022-07-03
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, the below accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX  : account # XXXX XXXX XXXX XXXX  : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX
Consumer complaint received 2022-08-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I received an email that CitiBank closed my account for violating the terms of my account. I'm not sure what that means, I haven't done anything unusual. I received an email right before stating that there was unusual activity on my account and that I needed to resolve it. I've called the number and extension mentioned in the email, and was just transferred from department to department with a 45 minutes to 1.5 hour wait time each time. I spoke with many individuals who barely spoke XXXX, and none of them were helpful. I asked to speak with a manager, they then told me that there wasn't one, and that they were going to disconnect the call. No one could tell me why my account was being closed, or why I can't get my money. I no longer have access to my account online, and I can't transfer anything out via the automated phone system. I have a large sum of money in the savings and checking accounts combined that I can't touch. Please help.
Consumer complaint received 2022-09-23
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. (MI)

in accordance with the fair credit reporting act XXXX XXXX and equifax has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (TX)

Credit Karma has pulled my consumer report XXXX times from XX/XX/2022 through XX/XX/2022 without my knowledge, authorization or consent violating 15usc1681. Credit Karma had no authorization nor reason to access my credit report creating XXXX inquiries which negatively impacted my consumer credit report. FCRA Section 604 ( a ) ( 3 )
Consumer complaint received 2022-06-08
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (WI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

The following inquiries were NOT authorized : - Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-04
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. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (MI)

Way2go child support card locked my card for trying to transfer money, which it gave me the option to do. I had to call customer service and sat on hold for 2 hours before connecting to an agent. They couldn't verify my information because my phone was not under my name. So they directed me to send a copy of the front and back of my ID to a specific email stress that the agent gave me. I tried 4 times to send the email and each time the email was rejected because the email address didn't exist. I had to then call customer service back and sit on hold for another 50 minutes to get the correct email address to send my ID. They told me to wait 3-5 hours to get a confirmation email and It has been two days, 48 hours and I haven't received anything. So I called customer service back and am currently sitting on hold for and hour and 25 minutes, with the line saying all representatives are still busy. This is ridiculous. First time I called was a Friday at XXXX in the morning. The second was Friday afternoon, the third is Sunday at XXXX XXXX This is terrible customer service. There is no excuse for having to sit on hold for this long every single time you call.
Consumer complaint received 2022-07-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and Equifax were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Hello, I had a Synchrony Lowe 's card and was a reliable customer making payments each month. This abruptly ended on XX/XX/22 when I was informed via a letter that my account was being closed, on XX/XX/22. To my dismay, I found out that Synchrony was erroneously trying to process payments from a debit card that was closed due to fraud. I had closed this account that month and had set up payment options with a new card, but still, Synchrony tried to pull multiple payments. This has put me in bad standing with Synchrony and inhibited my ability to get financing for a new mattress. 

I have called Synchrony 3 or more times to get this fixed. The first time I called I asked to file a complaint with the Credit Bureau, but no follow-up occurred. The second time I called I was asked to get a letter from my bank noting my debit account was closed due to fraud and mail it to Synchrony and my account could be restored. This again, turned out to be poor advice as I merely received a letter from Synchrony noting the account had ( obviously ) been closed. This spurred my third call where I was told there was simply nothing that could be done by Synchrony and that the black mark would remain. 

Synchrony needs to be held accountable for these practices. They should notify folks of issues like this and put forth some type of effort to remediate the situation for their customers. I was told they do notify folks, but I never spoke to anyone or had written correspondence of this. I have spent much more time on this than I would have liked due to a companies bad policies. They are a bad actor and need to be held responsible.
Consumer complaint received 2022-09-23
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 — Investigation took more than 30 days
Company: CarMax, Inc. (NC)

Let me start by explaining our personal situation. My wife is a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of this year my wife was XXXX to XXXX Texas to work in the XXXX  ward of a XXXX 's XXXX. 
During her XXXX this time she was unable to avoid contracting XXXX herself. She was quarantined in XXXX of XXXX  in Texas alone. My wife handles all the finances. I was alerted that we had a 30 day late on our credit report. I called the creditor which is CarMax auto finance to try to make this correct. While sitting alone with a fever in a hotel quarantined, she had apparently made the payment on time but transposed numbers in our bill pay and it was {$40.00} short. I immediately tried to render that they would not allow me to do so. I told them I never received a phone call and verified they had my number I was told they sent me a notice as legally they are required to do in writing, to date I have never received a notice of any kind. I don't get a monthly bill from them, I don't get a monthly e-mail reminder from them. I initially set this up to autopay and we just always know when to pay it. I pointed out to the lady on the phone we've never received any sort of mail or correspondence other than solicitation from CarMax auto finance. I have over and over asked what their policy for during the pandemic was, I know they were offering payment abatement etc but when I'm asking for anything regarding a situation where a nurse XXXX to help XXXX  infected patients becomes infected they said it's against their policy to do anything. My wife and I are very distraught over this and wonder if our last name was XXXX and not XXXX if we were at have this same issue. One does not have to look far to see the XXXX profiling of the XXXX community. I have look at what our options are for resolution on this and I have read the CFPB website and followed the recommendation to reach out to the creditor. I also saw or CFPB has issued guidance to creditors in regards to how to handle XXXX  related delinquencies I do not feel as if CarMax auto finance policies in any way respect the guidance CFPB has issued, in fact I read the guidance to two different parties I spoke to and they said that is just guidance we are not required by law to do anything and until it becomes law or policies will not change.
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 (NC)

I have assets I purchased that are held in a BlockFi wallet. This wallet is held in my name in cold storage and is not to be used to satisfy secured creditors if bankruptcy comes. As such BlockFi has illegally and indefinitely blocked me and thousands of others from withdrawing or transferring these assets held in our BlockFi wallets as they prepare to file bankruptcy.
Consumer complaint received 2022-09-23
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: Nelnet, Inc. (NY)

My student loan account is reporting a late payment on 9 different accounts during the time of COVID. I reached out to the Credit Bureaus no update o even emailed the the CEO XXXX on XX/XX/XXXX who stated that they cant have the account updated. According to the Student Aid website loans are paused with 0 interest. I have never been late on my payments always been in deferment. Please provide me with an update
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (WA)

I recieved notification that I had collections for an electric bill in texas with XXXX XXXX Phone # XXXX ( XXXX ) XXXX The report came from Transworld Systems Inc Phone # XXXX The electric company is located in Texas. I live in Washington and have for several years The collections company sent my bill to my washington residence. Once I contacted them and pointed out the difference in states, they immediately told me to report as fraud and informed me that they would remove from my report. It has been several months and I have called multiple times with no resolutions. I've also called the electric company and they can confirm that it was fraud but nobody has taken the steps to remove me from the debt. Both companies today have told me to make a report with this website
Consumer complaint received 2022-12-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (FL)

I received a postcard from XXXX about a Home Equity Loan. While I was entering information a message came up they were running my credit. I never checked a box to authorize I wanted to complete the application nor have my credit run. I was not applying I was only trying to get information. I tried to stop by pushing the back button and then I got a message from XXXX XXXX stating a new credit inquiry was made on my credit. I never got any confirmation email from Discover and at first thought it was a fraudulent website. I am requesting the credit inquiry be removed from my credit. The Discover representative said all she could do was close out the application. I have been a Discover customer from many years and this totally destroyed any trust I had in this company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (NJ)

Elan financial Service had been running my credit on different credit buraus without my consent. 
I applied on a credit card with them, and they ran my credit report on XX/XX/XXXX Since then, I see my credit report is being run by them every now and then and on various credit buraus, like on XX/XX/XXXX they ran my report on XXXX, then on XX/XX/XXXX without me applying on anything with them then again, they ran my report today XX/XX/XXXX which is a XXXX??? They ran my report on XXXX. 

I had XXXX phone calls today with them, one call with customer service and they told me that they do not know and advised me to call Credit services. I called the credit service department in Elan Financial and talked to XXXX who put me on hold for XXXX minutes and finally, told me they have nothing to do with and I have to contact the credit burau directly. Called XXXX and as per XXXX I have to get an FTC report from you, and forward to them by mail so they can take an action.

Please help. I did not authorize these people of Elan Financial to keep running my credit except once on XX/XX/XXXX. all the times they ran my credit recently during XXXX were unauthorized and without me knowing.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 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 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 2022-07-03
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. (AL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : 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 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLIANT CREDIT UNION (FL)

My complaint is about ALLIANT CU and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with ALLIANT CU on that date. 
Please launch an investigation into the ALLIANT CU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. ALLIANT CU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NV)

O/A XX/XX/XXXX I contacted CITIBANK Costco  indicating I was disputing accounting under the FCA/XXXX  and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?