davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I initiated a ACH withdrawal this morning XX/XX/2023 at approximately XXXX. I received a text message stating my withdrawal was in progress. 
After I received the text message stating my withdraw was confirmed and would be processed immediately. 
Then tonight at XXXX pm, I received a text and email stating that Citizens Access can not process my withdrawal and the message gave no reason why. 
I called Citizens Access and after being told for XXXX minutes that they couldn't find my account and that they had to look further into the issue. 
Then I was told that my ACH withdrawal wouldn't be processed until XXXX to 5 days. 
It's had never taken a bank XXXX to XXXX? days to process a ACH. Especially when both accounts are in the same name. This bank is trying to hold my funds to prevent me from closing my accounts. 
I spoke to a customer service representative XXXX. I asked her to speak with her supervisor since he said they wouldn't release my funds. Her supervisor who refused to speak with me about my account was named : XXXX XXXX.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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: Whitestone Financial Holdings LLC (NC)

A vehicle was repossessed in XXXX and Whitestone Finance is reporting it erroneously as the North Carolina Statute of limitations is up for the debt. The date of last payment and account activity was XX/XX/2018. The North Carolina Statute for agreements or installment agreements such as car loans expire in 3 years. Its been 5 years. This account should be deleted immediately.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand the reinvestigation of my XXXX, XXXX XXXX XXXX charged off transactions and I demand that you exclude all of the following transactions from my consumer report! According to 15 USC 1681 i7 Description of Reinvestigation Procedure- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I want to know the method used to verify my previous complaints of multiple violations! Who did you speak with pertaining to the inaccurate transaction amounts being reported? How was it verified that it was ok for a charged off ( dead /dormant ) transactions amount to continuously change on a monthly basis for the last 5 years on a consumer report as accurate? What was the position of the person whom you spoke with? How long was the conversations? What was the actual date and time of the investigation? Did you investigate with the IRS that these charge off transactions had already been filled on their taxes as previously stated? Did you investigate that the IRS considers charge offs as 1099c and as gross/ordinary income? Gross/ordinary income does not report on the consumer report, so why are these XXXX  charge offs being furnished as debt on my consumer report, now these become inaccurate under 15 USC 1681EB Maximum Accuracy Shall Be Reported, did you investigate this part of my dispute? Did you look at the proof I had previously uploaded with all the violations and inaccuracies I will be suing for violations of 15 USC 1681n Civil Liability for Willful Noncompliance. 
I DEMAND that you immediately exclude the following transactions from my consumer report according to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions- a consumer report does not include ( A ) ( i ) transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
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: GOLDMAN SACHS BANK USA (CA)

I made a purchase on XXXX  in the amount of {$6300.00} on XX/XX/2024 I disputed the purchase because the merchant mistakenly sent me somebody elses order or got my order wrong. I have yet to receive a temporary credit or be able to provide information supporting my dispute. I contacted Apple reps who cant even explain the situation which is very bad for me because the payment is due in 6 days which isnt supposed to be the case because I filed a dispute so I should be given a temporary credit while they investigate. I need this dispute resolved immediately. I will be providing the info I was gon na provide when I got the email acknowledging my dispute. I attempted to contact the merchant XXXX  numerous times but they were unable to reply back to me and I would just get an automated system Everytime. The order I received is not mine and this is too much of a large amount to let go, I have included correspondence of the merchant seemingly ignoring my emails requesting a solution to either return these items or get sent what I ordered and compensated. I have included photos from the merchant themselves of what I ordered as well as what I have received so you can see the discrepancy. The items I have recieved are as follows, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Clearly not my order with photos provided. I have attempted in good faith for at least a month or so to remedy the solution with the merchant and they have not complied thus leading in me filing a dispute. I have apple can see that and continue with the dispute where I was clearly scammed as I ordered a XXXX package and recieved nothing close to what I had ordered. This is very disappointing and hope it gets handled the right way. Thank you if anymore information is needed dont hesitate to reach out
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

I made a payment ( XXXX ) to my card equal to a purchase I had made on my card on XX/XX/2023 not in excess of my limit ( XXXX ). With no notification whatsoever, my card was suspended / available limit set to XXXX. I only found this out after attempting to use my card and it was declined. I called the toll-free and spoke to three ( 3 ) Chase reps, none of whom could not explain to me why my the remainder of my limit was not accessible and that my card would be unusable for 7 days. I was told by the third customer service rep that my options were ask for a credit limit increase ( which probably would not fix the issue ) or just wait the 7 days.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/2023 I refinanced my home and reached a written settlement with JPMCB Chase Card Services. The account was Settled in Full for {$3800.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' JPMCB Chase Card Services accepted and deposited my {$3800.00} check from the Title Company, marked as Settlement in Full. However, AFTER the payment was received, JPMCB Chase Card Services reported my account as " Charged Off '' with a balance of {$2500.00} on XX/XX/2023. This report has remained every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$2500.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month since it was falsely reported.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (PA)

This complaint is being written to be published and notify the CFPB of the stall tactics that Experian is practicing. Attached here in this complaint is a letter from Experian. In the letter they referenced a complaint ID # XXXX thats is not attached on no complaints made to the CFPB. That was done to either cause further confusion for the consumer ( me ) or discourage the consumer from exercising rights by law under CFRA. As the consumer I need no legal documents to indicate authority over my financial matters. I have requested documents on correspondence such as wet signatures, phone calls etc that states me the consumer gave any consent for anything to be disclosed on my credit report. Under 15 USC 1681b permissible purpose. In the letter attached here from Experian they are requesting documentation to verify me the consumer. They are all attached here for their records so there shouldnt be anymore stall tactics. I would like for the complaint to be published to the public.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MI)

XX/XX/24 {$2800.00} I urge your team to conduct a thorough investigation into this matter promptly. I expect that necessary steps will be taken to and strengthen the security measures to prevent such incidents in the future.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is in response to your letter dated XX/XX/XXXX. 
You stated in your letter you were under no obligation to accept this modification offered by Bank of America in XXXX. It took Bank of America XXXX to review my request for modification, but only gave me few days to sign and return the modification documents. Bank of America put pressure on me to sign by giving me limited time and stating that foreclosure sale date was set for XX/XX/XXXX. I did sign the modification without getting any legal advise and under duress. 
XXXX ) Even if the loan/property was originated as investment property in XXXX. I had informed Bank of America that XXXX XXXX XXXX XXXX CA XXXX is owner occupied primary residence in XXXX of XXXX. This notification was done several times over the phone and in writing via fax that Bank of America also have in their records ( see attached ). 
The fact is that Bank of America knew that XXXX XXXX XXXX was used as owner occupied primary residence in XXXX but fail to process the modification under XXXX or XXXX program. Bank of America keep delaying the modification request by losing the documentation or claiming correct documents were not received for months. I had several conversation in XXXX & XXXX with Bank of America representative who keep giving me run around. 
XXXX ) For Loan number ending in XXXX you mentioned it was approved for Bank of America loan Modification. Can you please provide me complete copy of the Guideline/rules under which this loan modification was approved. 
XXXX ) At this time I am requesting Bank of America provide me copies of all the notices and statements required under the law ( TILA, RESPA, XXXX & XXXX XXXX ) since the origination of the loan till today on loan number ending in XXXX. 
XXXX ) I am also requesting Bank of America to provide all the notes and documentation regarding my loan ending in XXXX including but not limited to loan modification or short sale request in XXXX & XXXX. 
XXXX ) I have reported this account under dispute and under FDCPA it should not be reported delinquent until the dispute is resolved, since it will also be violation of Regulation Z. Bank of America should also refrain from threats of any kind including but not limited to Foreclosure of my home. 
XXXX ) I am also requesting Bank of America to provide the name address and phone number of the Investor ( XXXX ) of the loan ending in XXXX from XX/XX/XXXX till now. 
In an effort to resolve the dispute, I am requesting Bank of America to review my account and correct the error and adjust/reduce my balance for loan ending in XXXX as it should have been done in XXXX based on XXXX & XXXX XXXX XXXX. Thank you
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/2024, Ive received an email from a Venmo account specialist. Ive been chatting with them through email about why they suspended my account. All I did was to sell my computer to someone and decided to send me money from Venmo. Then I decided to move my PayPal account via XXXX ( a cross-platform money transfer ) because I didnt have a bank account as I was told by a Venmo agent because I cant add my PayPal debit card to my Venmo account. It failed me a few times and it triggered a suspension is what I known so far. They didnt tell me an exact reason why I got suspended. They wanted to send me proof of documents and after I sent them, they did not accept them and they are valid documents. They wont release my funds and I really need the money because I earned them, not to have them on hold. My {$220.00} are sitting there in Venmo and I cant be waiting 6 months to unfreeze them. I need to support myself, I cant let them freeze my account for a very long time.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2024 at XXXX I was in Chase bank XXXX XXXX XXXX XXXX XXXX CA XXXX I used the ATM machine and deposited {$2500.00}. 
When I deposited it the ATM machine malfunctioned and I had to talk to a representative inside the bank. The representative told me to call the number that displayed inside the screen of ATM machine. 
saying " We're having some trouble. 
To be sure your deposit went through, please call us at XXXX. We'll print this number on your receipt. 

but NO receipt was made that time. so I was so anxious and frustrated. 
I called and Customer service answered. I told her what happened but she didnt even confirmed the location and ATM machine that I had problem to, and told me that she already filed the report and told me to wait for 2-3 days business days. I waited for 2 days and called them again. The customer service who answered my call told me that the case was close and will not going to give me my money back. I told and suggest for them to investigate and check the cameras. the answered back to me is to file a subpoena and they can't help me anymore. so I was so mad and upset. I called again and another person answered and hang me up for an hour. I called the 4th time and the lady who answered my call told me that she will escalate the investigation and told me to wait for 10days. But still I don't hear anything from them after giving them almost 20 days. please please please help me to this matter and I want my money back.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

So I was trying to log in on my checking account and when I was putting the information on the app it was telling me that the information doesnt match on my account. So I contact the bank right away and spoke with one representative regarding my account they told me that my account is been closed because of suspicious activities but this is not fair because I dont do anything illegal with my account especially because this is my work account I get pay here from both of my job so I really dont want to loose my account. I need to make a complaint with TD Bank so they can considered reopen my account because I been a client with them for three years.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

Subject : Dispute of Debt Claim - XXXXXXXX Cell Phone Payment I am writing to formally dispute a debt you ( XXXX. XXXX ) claim I owe, as stated in your recent collection notice. The debt in question pertains to a unpaid XXXX cell phone payment amounting to {$14.00}, allegedly linked to my former employer, the City of XXXX XXXX, FL. 

I would like to clarify that I retired from my position with the City of XXXX XXXX in 2018. During my employment, I was issued a company cell phone that was paid for by the city. Upon my retirement, all company property, including the cell phone, was duly returned. 

I have attempted to explain this situation over the phone, but it appears there has been a misunderstanding. I assure you that I am not responsible for this alleged debt. I have no knowledge of it, nor did I incur any charges related to a XXXX cell phone after my retirement. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting from ( I.C. Systems ) to show validation of this debt. Please provide me with : 1. The agreement that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Detailed statements and documents outlining how the debt amount has been calculated.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.