davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

During the pandemic our financial situation greatly changed. I contacted PNC Bank on XX/XX/2021 through their messenger function. When the XXXX payment hit our account for the child tax credit the XXXX added funds to allow it to credit the entire amount, and then there was a ton of confusion that caused unnecessary overdraft fees. They would only reimburse partial of the overdraft fees. 
They have continued to charge over draft fees during the pandemic practically stealing our money. They told us that they would not refund any future issues. Taking from someone who is already negative just because of how a check hits ( dates via mail ) is absolutely unfair.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

In the last week of XXXX i opened a new a new account online on my bank account with Wells Fargo. On the same day my wife logged in, and set up all her bill pay accounts since the bill pay information is not shared between userIDs. This marked my account as fraud and locked us both out of all our accounts. 

Unfortunately i discovered this when traveling, but i phoned from the airport and explained, and was told all locks would be removed. I arrived at my destination and couldn't use my credit cards, i was stranded without meals. I phoned again to straighten out the problem and was referred to another level up. I eventually got back my ability to use credit cards, although way too late to avoid embarrassment of begging for food and rides during a business trip! It may have cost me the contract. 

After arriving home i discovered my online access had been deleted and i had to set up my account again. Luckily my bill-pay information was still there, but i've lost all my historical data. 

I've been phoning the bank to try to get this resolved repeatedly since the end of XXXX and have accomplished nothing. They assigned the issue to one person but will not tell me how to get in touch with that person, only that i should leave a message and identify a reference number that they gave me, which i have. They promise to call me back within 24 hours, and did attempt twice in the past three weeks ( although so far outside the 24 hours limit that it should count as random ), once when i was in the bathroom, and once when i was at security at the airport. 

I find this to be an unacceptable level of service. I would like to have my account data restored to return my historical data if possible, but mostly i just want to get the issue resolved once and for all. Even if they do nothing more, at the very least i'm owed the courtesy of closure on this issue and some measure of responsibility for broken promises. I was tolerant of errors at the start when it could have been an isolated incident, but this now has become a pattern that needs to be stopped. 

Thank you for any attention you may be able to bring to this. It is not the first issue i've had with this bank, but it's the first to waste my time and money and affect my income.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

OUT OF STATE CHECK WAS DEPOSITED ON THE XXXX OF XXXX AN OUT OF STATE BANK AND WITH CHASE BANK THE FUNDS WILL NOT BE AVAILABLE UNTIL THE XXXX OF XXXX. IS IT NOT FEDERAL LAW OUT OF STATE ABNK AVAILABILITY IS 5 DAYS. THEY ARE HOLDING AND PLAYNG WITH MY MONEY FOR 9 DAYS
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NY)

Grievance Notice under Clause 20of the Mortgage & 12 C.F.R. 1024.35 Selene Loan #  XXXX # 1-There is an auction on my property XX/XX/XXXX @ XXXX XXXX County Supreme Court # 2 XXXX  $ XXXX-I recently found that the Mortgage with XXXX XXXX did not have a legal/property/tax-description or tax map information only an address thus making it a void instrument thus making the judgment of foreclosure void which does not allow them to proceed with the auction or any other recourse. Document date XX/XX/XXXX recorded XX/XX/XXXX ( attached is also a copy of the mortgage with my signature and notarys proper signature that matches the samples I attached in # 5 ). Recorded mortgage states my home is a 2 family it is actually a 1 Family. 
# 3 XXXX $ XXXX-also does not have legal/property/tax-description or tax map information only an address thus making it a void instrument also. There is a blank paper with a stamp So in Original various times. Document date XX/XX/XXXX recorded XX/XX/XXXX # 4 Notary XXXX XXXX-was the notary on both files and was incompetent to the point because of his incompetence they also forged my signature on the XXXX XXXX XXXX {$320000.00}. I would think that he lost the XXXX file and then noticed that he didnt record the XXXX file so or the investor signed my name on the XXXX file. 
# 5 XXXX- samples of signatures from State and court cases ( he is also an attorney ) they are different from the signatures on the mortgages. They dont match at all. I believe someone was signing for him # 5 Deed with the proper legal description XX/XX/XXXX # 6 Samples of my signatures during XXXX # 7 Notes # 8 Limited Power of Attorney naming XXXX XXXX -I had been in the mortgage industry prior to this foreclosure action ( I had a massive XXXX ) for approximately 20+ years as an FHA Underwriter and a loan originator. In my training I know what a Legal Name is. If you look at the mortgage with my proper signature you will find I inserted my middle initial XXXX where needed. In the XXXX XXXX loan, it was done beforehand. Also, that if you sign in the wrong place it could void any legal document. 
-The attorneys involved have submitted to the courts documents that are of a Fraud and Forged documents that they and the banks knew of beforehand but completely ignored to proceed with this foreclosure. 
-I plan litigation under the following thus far ; 1 ) 18 USC 1341 : Mail Frauds and Swindles 2 ) New York Penal Law Article 170 : Forgery 3 ) Notary Fraud 4 ) NRS 357- Submission of False Claims to State or Local Government 5 ) Quiet Title Action 6 ) Fraud upon the Court for Perjury by Attorney for the Plaintiff And any other legal means that will be available to me to protect my home.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX is violating my consumer rights. They violated my privacy and committed fraud by receiving my personal information from another party and attempting to collect an alleged debt which I do not owe. They have then furnished my information without consent and defaming my character with this negative account.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I brought my daughter in to open an account she is XXXX and we needed my father help because he banks with Chase while we were there we were trying to access his online banking due to him calling in and closing it my father suffers from XXXX XXXX and sometimes not know what he does I XXXX XXXX is his caregiver I take care of all his bills like mortgage Cabel gaslights and we need access to online to see how the bills are being paid or if they even being paid we dont even receive paper statements I try to explain this to I believe a bank manager and he refused to help us calling me a thief that I was trying to steal from my father in front of my child. I try to explain to him how my father acts and he took it upon herself to ask my dad behind my back if he wanted to unblock something my dad said no not understanding what he was axing never explain to my father anything so he gave me an attitude very nasty telling me he wasnt going to help me telling me to get out of his bank cursing at me making threatening jesters towards me told me to get the XXXX out so I told him I wasnt going nowhere until he say it nicely and I didnt trust walking past him at the door I was in fear of my life so he said now youre gon na stay in here and lock the door and walked away so I was stuck in the bank I tried to unlock the door myself and he says oh now you wan na get out and he unlock the door meantime my daughter still is in the process of learning how to bank with chase all this happened in front of my child I was devastated I was hurt I was angry and I am XXXX  now I need him to be fired And I wan na be Compensated for my pain and suffering Ive never experienced anything like this in my life to be held against my will at a bank I was robbed of my spirit of my safety
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I found on equifax fraud i reported it when i get the results from the claim it wont let me view it for over a month know i have tried thru the computer and thru the phone to get the matter resolved. Know i called again after being hung up on 3x i get what claimed to be a manager that is telling me to FAX THEM MY BIRTH CERTIFICATE SOCIAL SECURITY CARD LICENCE DATE OF BIRTH AND PROOF OF ADDRESS. Isn't that the most insane thing you ever heard of I have fraud already on my credit report and they want what can for sure cause more fraud then you can ever picture. this matter needs to be resolved this is crazy
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (IL)

The XXXX bill in question was for an apartment I did not move into due to the unit being uninhabitable. I successfully broke the lease and returned all keys. I paid the XXXX bill on XX/XX/2021. There was a clerical error processing the payment, and it did not go through. XXXX attempted to notify me of this by mail at the address I never moved into and did not have a key for despite me telling XXXX my correct address on a recorded phone line. As soon as I found out the bill was unpaid and in collections, I paid it immediately. This is the only negative item on my credit report and I am in the processing of buying a house. I don't believe a clerical error should prevent me from succeeding in buying a house when my credit is otherwise perfect. Thank you.
Consumer complaint received 2019-07-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

The debt collector is harassing my family. He called me on XX/XX/XXXX and I told him if we can come to an agreement and pay in monthly incriminates and I was told no and they would be sending it to county the following business day I said ok. I mean I cant pay something I dont have. Then he continues on calling me from different numbers and also left my father a pretty threatening message and even told him he would go to court also and my father doesnt speak the best English. He also decided to reveal that he had my fathers social security number and that he would be implicated and sued with myself. Which makes no sense since my father told him to stop calling him and it was my own matter. He then started to say my father raised a bad child and that I was stealing which I was not. This man gave my father a panic attack see that my father has multiple medical issues and I will also attempt to get a lawyer. At this point this man has been so aggressive Im starting to think he is fraud. I also have saved voicemails of the harassment and abusive aggressive language. An screen shots of the multiple calls
Consumer complaint received 2019-07-16
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. (LA)

On XX/XX/2019 I sent XXXX, Equifax Credit Information Services , Inc. and XXXX certified letters disputing a bankruptcy listed on my credit file. XXXX   has deleted this information off of my personal credit report. Equifax and XXXX has not. Both companies informed me that the information was verified. 

I also sent a certified letter to the United States Bankruptcy Court listed on my Credit file asking for their procedure and policy when reporting information to the Credit Bureaus. 
On XX/XX/2019 I receive a letter with general information about Bankruptcy and credit reporting. The last page of the letter from the United States Bankruptcy Court of XXXX XXXX of Louisiana had a highlighted section stating " The bankruptcy courts DO NOT provide information to the credit reporting agencies. '' However, the credit reporting agencies are reporting that they received information from " US BKPT CT LA XXXX ''. In addition, N/A is listed where there is supposed to be a verified date. Lastly there is no comment stating this information was disputed. Lastly, it is beyond the 30 days for both companies to correct this information. 

Per FCRA section 611 ( a ) ( 1 ) ( A ) I have the right to dispute the inaccurate, unverifiable or unfair item. And the credit reporting agency must respond within 30 days and state on my credit report " the information has been disputed. '' I am attaching my documentation of these events, including : a copy of the letter I mailed the credit bureaus, the certified mail receipt and a copy of my credit report from both bureaus as of XX/XX/2019.
Consumer complaint received 2021-12-02
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. (NJ)

I had an auto loan with XXXX Bank. I closed the loan in XXXX of XXXX. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

In XXXX of 2021, I accepted an offer from Citibank to open a XXXX savings account and XXXX  checking account. The offer stated that if I maintained a minimum balance of {$300000.00} in the savings account and a minimum balance of {$200000.00} in the checking account ( for a period of 90 days ) then I would receive a {$1500.00} bonus. I never received a bonus, though twice representatives of Citibank confirmed that the above conditions were met and that I qualified for the bonus. During my second complaint to them, they said they would " escalate '' the issue with the " Promotions '' department but that I would have to wait a few business days for that process to take place. The representative said that I was not the only person that had such a complaint. Obviously, I would like Citibank to be held accountable for false advertising.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their XXXX  XXXX certify under the penalty of perjury that i did received good and service from those transactions.
Consumer complaint received 2021-12-02
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: CITIBANK, N.A. (FL)

On statement was an unauthorized fraudulent charge on XX/XX/2021 for {$350.00} by vendor listed as XXXX XXXX XXXX XXXX. When I phoned I was told it was a mistake and they would refund it which they didn't. Phone call to CitiCards was immediately made. Fraudulent charge credited on XX/XX/XXXX. Then reposted on XX/XX/XXXX. Action already taken by me has been phone calls by me to Customer Service CitiCards since XXXX, when I received the statement, hard copies of complaint mailed to CitiCards, emails of complaint sent to CitiCards. I was told by Citicards in my phone calls ( XXXX, XXXX, XXXX, XXXX ) that I waited too long to complain and I was denied access to a supervisor. I was also told on the phone calls that the fraud had been removed ( false ) and that a legitimate charge from XXXX XXXX was being investigated though I didn't request it. Also email complaints were sent to XXXX XXXX and their parent companies XXXX XXXX and XXXX XXXX. All were ignored.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXXXXX : {$270.00} ; XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Consumer complaint received 2021-05-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

This problem was over my bussiness account with Wells Fargo bank, I was using my personal checking account to deposit or receive payments and then transfer to bussiness, the bank give me a {$20000.00} cash deposit monthly free of charge, then will be charging for every {$1000.00} cash deposit after, first XXXX months I was getting charge a little to much to keep the account going, so I instead stared getting more cashiers checks paying with cash and making more deposits into my personal checking account and transferring the money to the bussiness account and summited the payments. Suddenly they frozen all my accounts, without a call or a letter in advance, I had to make late payments, pay storages, pay for every rejected payment, I was suspended from several bussiness because the payments wasnt completed or rejected, it was XXXX when they frozen the accounts and hold the money, today is the XX/XX/2023 and they still dont close my bussiness account, still not receive a letter from them, how can they still in bussiness when they always working with the costumers money.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (DE)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on Loan accounts under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

My credit account is frozen and it won't let me unfreeze my account. I try to unfreeze but it says to call office. When I call it won't let me talk to Representative XXXX.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This are the items showing on my credit report that are not belong to me.Im doing this complain to clear fraudulent accounts on my credit report. 

XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00}