davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

Received a letter from Chase that they are closing my credit card account, which I have had for 18 years, based on a 'reputational risk ' to the bank. When calling, they confirmed the letter is legitimate, but will not provide any additional information other than accusing me indirectly. Specifically stating that I must have done something that would create regulatory risk or potential fines for Chase, such as when someone opened an account at a XXXX dispensary ( which I have not done ). They refuse to provide any other information, other than essentially accusing me of illegal activity ( they mentioned money laundering as well ).
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (DE)

I was forced to get a USBank debit card for my XXXX  money even after I signed up for direct deposit. I 1st noticed a charge for more money than my purchase on XX/XX/2020 that was for {$21.00}, my text alert said the purchase went thru for {$26.00}. The 2nd one was XX/XX/2020 where the charge was for {$80.00} and the text alert said {$96.00}. I tried several times to call US Bank Reliacard and wait times were too long and call kept getting disconnected every time I call. I even tried calling at XXXX and STILL couldn't get anybody to talk to. I had this debit card before and NEVER got text alerts saying the amount taken was more than the original transaction. A {$16.00} added amount is ridiculous!!! I didn't want this card in the first place and now I have to deal with extreme added charges coming from the unemployment money I had to wait almost 12 weeks for? I overlooked the {$12.00} expediting fee to get my card even though they didn't do what they were supposed to get it out to me in a timely matter. 

I don't want to use this card anymore knowing that added fees will be charged.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I found a deal on hotel from reservations.com for XXXX dollars for XXXX nights. I clicked on the reserve button looked at information it said XXXX plus taxes and fees so I hit the button and it said my room was confirmed but when the email came they charged XXXX dollars XXXX in taxes to my credit card. I cancelled the room right away but they made it a hassle I started dispute with capital one right away. This has been going on months i call capital one they say send this and it work but i always get immediate dispute deny then they close case even this last time they said file it under new thing immediately they denied. I cancelled for overcharge XXXX minutes after reservations.com did that and it was over a month and half early. I paid XXXX for a room that wasn't as good because i was still going on trip. They told me call and ask hotel cancel and if it was ok. I did they said it's fine but reservations.com had to do it. I am not and can't afford pay almost XXXX dollars for nothing but having a room for XXXX minutes month and half early. The hotel now says I'm not in computer meaning they sold the room again this is just crazy it's like they are allowing total fraud and people get ripped off. I need help i have all the information and proof all i can think of is take it small claims court and just not pay the bill. Please help XXXX is a lot of money for me it's a month of XXXX and XXXX hours weeks all for nothing.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I requested a Covid-19 deferment/forbearance for my home mortgage owned by Select Portfolio Servicing Mortgage Company. They told me no problem but followed up with many misleading and deceptive letters stating that I was in default and faced foreclosure that intimidated me into paying the back payments. Please investigate all correspondence sent from Select Portfolio Servicing to  customers that requested to participate in the Covid-19 deferment program.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (NC)

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 : Account # XXXX XXXX XXXX XXXX. XXXX 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, 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 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 2021-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (AZ)

I sent a chat message to Citi on XX/XX/2020 asking them to close my account. the customer service rep confirmed they had closed my account ( it was at {$0.00} balance ). Now its 3 months later and I get an email saying my account is negative {$96.00} from overdraft and monthly bank fees.
Consumer complaint received 2020-05-28
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: General Motors Financial Company, Inc. (MI)

To GM Financial. I am writing this inquiry to dispute account with GM Financial that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by GM financial the account was delinquent. I have now learned the following information from contacting GM Financial. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring GM Financial at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe GM Financial is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with GM Financial in good standing. The borrower turned the vehicle in early and again I was not notified by GM Financial of this situation. Information provided to me from GM Financial advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate GM Financial, my credit score is being unfairly impacted given GM Financial being made whole on the transaction. To this day I have never been contacted by GM Financial about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to GM Financial, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.
Consumer complaint received 2023-02-24
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: Aargon Agency, Inc. (SC)

AARGON COLLECTION AGEN ( Original Creditor : XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX ) XXXX Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1000.00} No. of Months ( terms ) : - High Credit : {$1000.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX XXXX XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1500.00} No. of Months ( terms ) : - High Credit : {$1500.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to respond. Your continued delays are inexcusable.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MI)

XX/XX/XXXX AES now calling the business XXXX  has once again taken points from my credit report as well as negative remarks regarding student loans. 

Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report.

Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? 

In addition XXXX has added {$510.00} in unpaid interest for XXXX! 

Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! 

The loan service companies can not lawfully ding credit reports, but yet continue to do so. 

Can i please get some legal help with these issues to end them?
Consumer complaint received 2023-02-24
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. (TX)

See Attached, ( if attachment is Error or failed to download document ) Read, The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these fraudulent reports from my report, and to Block and Delete. 

These accounts are using my Social Security Number ( SSN # ), without my written permission or instructions to do so. Also, I have no Binding Contract with them, I have no account with them. No transactions have ever been made as the consumer with these companies, and they are using my Social Security Number for Gain and ProfiXXXX. 

Identity Theft Report FTC Report Number XXXX These accounts are fraudulently opened. 
-CXXXX XXXX  XXXX, ( Management ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX I don't owe any of these accounts or companies and I did not give my Social Security Number to any of these companies to share. Thats a violation of multiple accounts and I should be compensated for Damaging my credit and Data Breach. Nothing on my consumer reports on the 3 Bureaus, XXXX, Equifax, XXXX. Nothing match on Open Dates and Times, the balance does not match, and the name on 2 accounts are in the name of someone's else or similar, ( Department of Education ). And I would like that to be removed and deleted for incorrectly reporting, I do not own that account, but it keeps reporting, closing the account, open the account and then transferring the account. I don't know what's going to happen next. but everything needs to be removed that are not reporting accurately. 

I ask via certified mail to remove all incorrect information and send me an updated copy of my consumer report, I yet have seen it in my mailbox. that's been 3 months ago. 

the last recent certified mail was XX/XX/XXXX to XXXX, Equifax, and XXXX. I have not received an updated copy of my consumer report to gauge.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

Synchrony bank appears to have close all of my credit lines for no apparent reason. XXXX on my last count this probably tanking my credit score in the near future. I pay all of my bills on time and always will. But one thing I will never do is get a line of credit through them and will let my family know.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (OR)

XX/XX/23 - Account opened online and {$65000.00} transferred to the account. POA paperwork will be needed for this account and an ( incorrect ) mailing address was provided for that purpose. POA paperwork sent via the USPS. 

XX/XX/23 - The next day, online access to the account is " temporarily locked '' - i.e., no access to the {$65000.00} in the account. 

XX/XX/23 - Called customer service to unlock account. They respond that it will not be possible until POA paperwork is received. I am asked to wait longer. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. The account can not be unlocked until the POA paperwork is received. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. 

XX/XX/23 - Account remains locked ( now a full 3 weeks since the POA paperwork was submitted ). " XXXX '' in customer service now tells me that the address I was given to submit the POA paperwork was incorrect. She's " sorry '' and " it can take weeks for the paperwork to find its way to the correct location ''. I request and am given the correct mailing address for the POA paperwork. 

XX/XX/23 - Account remains locked and no funds are accessible. POA paperwork is resubmitted to the correct address ( XXXX XXXX XXXX XXXX, PA XXXX ). Mail is sent certified this time. 

XX/XX/23 - POA paperwork is received and signed for by a representative of Goldman Sachs at XXXX XXXX 

XX/XX/23 - Account remains locked and no funds are accessible. Again, customer service is called. The initial representative is no help as she recounts the correct mailing address, etc. I ask to speak to a supervisor. 

I speak to " XXXX ''. She tells me ( after a lengthy hold ) that Goldman Sachs does not have the POA paperwork yet- this despite my going over the contradictory information, tracking number of the mail, date delivered. At first I am told that it can take 2-3 business days for them to process the paperwork ; however, when I point out that it has now been 3 days that the paperwork has been in their hands, I am again told that this can take " weeks ''. 

I ask to speak to her supervisor and am told there is NO ONE over her who will talk to me on the phone. 

I ask to submit an escalation and receive a return call from someone who can help me get the account unlocked. She agrees to submit the escalation request, but she reminds me that it will only be a supervisor " like her '' who calls me back and they " won't be able to help me either ''. 

I ask XXXX to put it in the notes that I intend to file a complaint with CFPB as these " locked '' funds will be needed to pay bills next week and if that does not occur, penalties and/or other harm will occur.
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

I was email phished for a job as a Regional Branch Purchasing Manager in XXXX XXXX XXXX - US Branch. Through a series of interactions they convinced me to purchase XXXX Laptops from my local XXXX XXXX and ship them to a person and location in Florida. They assured me they would pay for the charges and provided me an account number to enter into my credit card payment. It looked like it was paying then a week or two later the payment reversed and their email and phone number no longer worked. I have the receipts both paper and email. I also have all the email correspondence. XXXX XXXX on XXXXXXXX for {$16000.00}. XXXX XXXX on XX/XX/19 for {$13000.00}. XXXX XXXX on XX/XX/19 for {$1300.00}. XXXX XXXX on XX/XX/19 for {$15.00}. USPS on XX/XX/19 for {$240.00}. USPS on XX/XX/19 for {$260.00}. USPS on XX/XX/19 for {$310.00}. During this time Capital One never questioned these charges and never spoke with me about the payments reversing. Up until this time I sporadically used the card and had a manageable balance. These charges in the month of May were over 3x what I had previously charged on the card for the entire time I had it. When I spoke to their fraud department they said since it was me who made the purchases they were not liable. I think they were and they failed to protect me and never questioned these unusually large purchaes or why the payments I made on their website were reversing.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I bank with USAA and also have my home and auto insurance with them. Using their app I mistakenly paid 4 months worth of car insurance payments in two separate transactions that their system allowed me to double pay. The first payment of {$870.00} drafted on XX/XX/XXXX and then the mistaken second payment for the same amount drafted on XX/XX/XXXX. I spent 4 hours on XX/XX/XXXX talking to customer service reps in both banking and insurance and nobody would refund the money. They all claimed that 710 days must pass for the payment to clear ( when the banking reps could clearly see both payments had already cleared ). I contacted USAA again today XX/XX/XXXX and am still being told a refund can not be issued until 7-10 days, but when asked repeatedly when that was I was never given a date. Meanwhile my checking account has had XXXX activity and the bank is happy to collect and cause with my creditors additional fees! 

USAA insurance billing system should have alerted me as a customer that a duplicate payment was being scheduled rather than allowing that payment to be made and holding my money hostage for more than 2 weeks!