davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OK)

Im not sure on dates but I am XXXX now and for the last 10 years Ive tried to gain access to my Wells Fargo XXXX account. I want to withdraw and put it elsewhere my bank said they wont deal with Wells Fargo because its almost impossible to get them to release funds. Im always give then run around. I verify all information accurately. Ive been told I would have it sent to me 6 years ago interest free because I requested it during the right time so they had to honor it. It never came. Ive called so many times and been dismissed they have given me case # s that ended up being bogus random numbers. Ive been hung up on when a representative would tell me I could access my money. Its been mentally draining. The last time I spoke to someone I. XXXX he said my husband who is not on the account could go into his Wells Fargo and they would give him the money
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I purchased a hotel reservation though Chase Sapphire Card on  XX/XX/XXXX for dates XX/XX/XXXX - XX/XX/XXXX. In XXXX, after checking online, we saw that the hotel announcing closing during our reservation dates. After contacting the company, we saw no resolution and submitted a dispute through Chase for the charges. Multiple times we explained the situation, but due to Chase 's lack of performance, understanding, and communication, we have received 2 notices that state the charges are valid. Chase is under the impression that we attempted to cancel the hotel reservation, and therefore " cancellation policy '' dictates that the charges are valid. Even though in clear company writing of the Sapphire card policies, and also notice from a Chase employee, that, that these hotel charges should not be valid as the hotel was closed, and there was no action from our side. We did not make any cancellation requests
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VYSTAR CREDIT UNION (FL)

VYSTAR CU P. O. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX PLEASE DELETE PERMANENTLY!!! 

Please be advised that this account went into default during the XXXX pandemic. While millions of American citizens went bankrupt from the crisis, I had to close my business by federal, state and local mandates. 

I could have requested my creditors to place my accounts into deferment. I did not. 

I could have filed for Chapter XXXX bankruptcy. I did not. 

The XXXX XXXX XXXX XXXX ( FDIC ) has guidelines to help citizens defer secured and unsecured debts. Almost all federally insured financial institutions received financial remuneration for fiscal losses. 

I received XXXX help from any federal or state agency. 

Accordingly, I believe that under the circumstances that financial institutions received compensation, and that I worked my way out of debt when I was able to open my business again, I should be granted relief and have the aforementioned account deleted permanently. 

Thank you for your consideration in this request.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2024 - {$320.00} XXXX {$320.00} XXXX {$9.00} XXXX {$9.00} A Wells Fargo representative reached out to me on XX/XX/2024 stating that they suspected fraud on my account, 2 different transactions for XXXX from a company called XXXX XXXX XXXX in XXXX. I told her I never heard of that company and never made a purchase, I currently reside in XXXX Texas, and the company is located in XXXX., I also reached out to the company that used my information and they had no reciliation of my order and said that I need to contact wells fargo immediately. On the same day XX/XX/2024 the wells fargo put in a fraud claim for those transactions, I also spoke to a representative later on on that day and he said that my claim was filed incorrect and it was best that we didnt change it. I received a email on XX/XX/2024 that no error was made. Which is incorrect since I never gave out my debit information to that company.
Consumer complaint received 2017-03-20
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

I have an outstanding student loan with Navient. It is currently past due and I have explained to them although I acknowledge the debt I can not keep current at this time due to lack of income to cover this as well as mortgage and health insurance. I have told them repeatedly I will catch up as soon as I have more income coming in. They continue to call everyday. 5 robocalls so far today alone
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

Ive sent Register Funds ( XXXX XXXX XXXX ) by mail many times. A USD {$200000.00} dollars International bill of exchange was sent to the trustee of the company. Which would be Wells Fargo 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. For a discharge of a debt. No response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Both a departments of WELLS FARGO. The envelope that was sent with no corresponding name on it had no stamp on it as well. This means you did not register my security with the SEC ( Security Exchange Commission ) as asked. There are more registered fund numbers as well. The envelope with a letter that was sent to me on XX/XX/2024, and received on XX/XX/XXXX. Did not have a stamp on. The XXXX XXXX company loan number XXXX. XXXX XXXX has a fraud loan contract thru XXXX XXXX XXXXXXXX XXXX. THE LOAN WAS PAID WHEN SHE SIGNED HER NAME THE ONLY NAME ON THERE .. Ive also filed a complaint with the FEDERAL TRADE COMMISSION . Which is also a trustee bank for XXXX XXXX XXXX XXXX. The recoupment dividend of their Treasury Coupon has not been accredit to her account as well as XXXX XXXX XXXX XXXX. EVER statement/bill send was not registered with SECURITY EXCHANGE COMMISION XXXX The book entry would show it all. 
The regulation that your bank has to follow comes under G.A.P.P. - GENERALLY ACCEPTED PRINCIPLE AND PRACTICES. You are not a government agency, meaning you do not have the authority to have my name, social security, etc. 
Ive try to cash my International Bill of Exchange/ Lien Check/ Bill of Exchange at Wells Fargo Bank N . A.. You should know which location. I was denied. OUR DEPOSIT IS INSURED {$250000.00}, FDIC FEDERAL DEPOSITORY INSURANCE CORPORATION. How do I access that? 
Tell me, please. If I had to make a guess I'll say a closed account or a wire transfer while the account is still open. ( ALL LEGAL BY THE WAY., ) I was denied a credit card when my credit is unlimited. Fasle Credit score from XXXX. [ FRAUD } ( XXXX should not have my information according to the Privacy Act and WELL FARGO BANK N.A POLICY. ) THE NAME XXXX XXXX XXXX XXXX IS COPYRIGHTED AS WELL UCC NUMBER IS XXXX - XXXX. AND COPYRIGHT NUMBER IS XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

This is an accruing problem with JP Morgan Chase. I am a XXXX XXXX and my Bank is XXXX, Chase is holding funds from customers even after they have funds deposited into their accounts. Last year alone my company had several issues. I have copies of my tax papers, and my pay sheet showing the check number.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

I have a couple of credit cards with synchrony bank, all of them I always pay on time, but lately, for no apparent reason, the company start lowering dramatically the amount of credit that I had in all of them. Then, I complain about that in their XXXX page and after that they closed XXXX of my accounts. I didn't ask them to do that. Is seems like a retaliation. I saw that many people are complaining about similar things and some of them even worse. 
My payments are all on time and this doesn't make any sense besides damaging my credit report.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

Dear Consumer Financial Protection Bureau, On XX/XX/, I called Citibank to open a dispute on my credit card for the transactions related to XXXX. I informed Citibank that we found evidence that XXXX is operating under a pyramid scheme. However, based on their letter sent to us on XX/XX/, they closed the dispute and said that I have to accept the responsibility for the disputed charges. I also received a letter from them dated XX/XX/ saying that they are looking into the dispute. 

On XXXX XXXX we mailed XXXX pages of documentations providing evidence of the XXXX XXXX and XXXX pyramid scheme, but Citibank closed the dispute without ever reviewing the evidence. The United States Federal law makes pyramid scheme illegal and protects citizens against such scams. 

I will attach the same documentations sent to Citibank to CFPB in our complaint submission which includes all of the evidence that Citibank chose to ignore before finalizing their decision on the dispute. Citibank is providing the merchant the ability to continue charging me on the new account which should not be possible since the merchant do not have my new account information. This would make Citibank an accessory to the pyramid scheme. 

My expectation for a resolution would be to have all of the charges associated with the XXXX XXXX and XXXX pyramid scheme removed from my accounts and I do not want to be penalized or lose the accounts because I have almost a decade of perfect credit history prior to these scams. 

Enclosures : -Copy of documentations to proof the XXXX XXXXXXXX and XXXX pyramid scheme that was sent by mail to Citibank on XX/XX/XXXX XXXX  -Copy of scanned dispute update letters from Citibank date XX/XX/XXXX and XXXX XXXX XXXX  Thank you for your assistance.
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (MD)

A notice of cease and desist, as well as certified proof of contract was sent to Brown & Joseph , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2016-07-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (TX)

Central Financial Control / Syndicated Office Systems put a collections account for XXXX $ on all XXXX of my credit reports XXXX / XXXX / XXXX back on XX/XX/XXXX. 

They had not sent me a notice of right to dispute. When i contacted the collections agency requesting verification of debt they never sent me a debt validation letter. Furthermore they contacted family members including my brother and threatened legal action to collect this debt which they never verified. 

I disputed these debts with the credit agencies XX/XX/XXXX and they decided to verify them without any justification or reasoning.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

I recently opened a savings account and shortly thereafter attempted to go online and open a checking account with US Bank. I received a written notice that they were unable to establish a new checking account on line and that it was declined, so therefore I went into one of the branches and the lady there at the desk opened a checking account for me. 

A few weeks later I soon learned that US Bank had completed a hard inquiry on my credit report. 

I NEVER GAVE THEM AUTHORIZATION TO DO A CREDIT CHECK, NOR WAS I INFORMED THAT THEY WOULD BE DOING A CREDIT CHECK. 

IF I HAD BEEN INFORMED OF THIS I WOULD HAVE NEVER OPENED EITHER ACCOUNT. 

NO ONE HAD THE RIGHT TO PULL A CREDIT REPORT WITH OUT YOUR KNOWDLEGE OR YOUR CONSENT. 

I GAVE NO CONSENT AND HAD NO KNOWLEDGLE OF THIS
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2016-01-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I got a second mortgage on my payed off home in XXXX from PNC to pay off a loan on a mobile home in XXXX. The home in XXXX is NOT part of the collateral for the XXXX mortgage on my home is XXXX which is valued at six times the value of the loan. The XXXX home was paid off in 2006. Instead of having my title for the mobile home sent to me PNC insisted to both the state of XXXX and XXXX bank that the title be sent to them. Now I can not get a title and I can not sell this home.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ballybunion Enterprises, Inc (VA)

Im financially damaged because i had to hire XXXX XXXX to aid in removing this inner derogatory of my report. The statue of limitation in North Carolina is 3 years. The drop off date is XX/XX/2020 for this charge that is trying to be reinstated into my report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (TX)

Last week on Wednesday two joint bank accounts my spouse and I share were frozen and his entire check from work was made unavailable. The judgement letter was under my name. The bank accounts frozen have my spouse as primary account holder as hes the breadwinner. We live week to week paycheck through paycheck. XXXX court receivers is the firm that we were told to deal with. The firm hasnt been very responsive and they have done nothing to unfreeze our bank accounts. It is my understanding that under federal law 25 % of earned work income is protected from being frozen/seized. We need the firm XXXX court receivers to unfreeze my spouses paycheck as the judgement isnt his not is he listed on the judgement and we need at least 25 % of his check he unfrozen so we can buy food and basic necessities to survive
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX claims I owe an amount however this amount due is the sole responsibility of the shipper in this instance, not me. Debt was sent to TSI TRANSWORLD SYSTEMS to collect. 

I requested that this company absolve this debt as I am not responsible for this debt. 

This company has lot yet absolved this debt therefore this issue remains unresolved.