davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (NY)

I received from you the following statement : XXXX This case was closed. 

This complaint appears to be about the same issues as your earlier complaint. 
This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 

Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. 

HOWEVER, THE CLOSED ACCOUNT IS WITH " REMITLY '' AND THE SECOND IS WITH " XXXX XXXX. '' Both vendors refused to accept my transfers. 

XXXX XXXX did something to blackball my name. Remitly accepted my transfer than one day later returned money and fee to my checking account. Remitly then closed my account. 

Something is wrong somewhere. Please find out why REMITLY acted in such an unprofessional way. Why did they act that way? Get their reason and we will begin to get a handle on the problem. 

I tried calling both XXXX XXXX AND REMITLY without any success. Both companies don't make it available for me to talk to the individual that can slove my problem. And that's the reason I come to you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-08
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: GOLDMAN SACHS BANK USA (WA)

I initiated a dispute on XX/XX/2020 in the amount of {$500.00} from the merchant XXXX. Its been over 2 billing cycles since the dispute has been acknowledged and I havent gotten any update.
Consumer complaint received 2019-07-08
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: EQUIFAX, INC. (TN)

I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I made a {$440.00} purchase with XXXX before I closed my checking account with Chase. 
I ended requesting a refund with XXXX as I found a better room with a better deal. This refund was issued to the closed account with chase. I contacted them on XX/XX/XXXX regarding this refund and they told me I would receive a physical check within 10 days. I have called a total of 4 times this past month and I am told something different every time. Either its that I will receive my check within 10 days or they are waiting for some department to approve the check. 
I even talked with head of customer service XXXX XXXX who assured me the process was in motion. 
Regardless its been over a month and I still have no answer as to when I am to receive my money.
Consumer complaint received 2019-06-03
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. (AR)

I was a victim of identity theft XX/XX/2019 I have faxed the police report and conviction report numerous times to equifax and have that information on file as proof, even though equifax sent a report stating XXXX /XXXX XX/XX/2019 XXXX/XXXX   XX/XX/2019 XXXX XX/XX/2019 were removed XX/XX/2019 they are still on my credit report! I have called them NUMEROUS times to no avale! also XXXX/ XXXX   XXXX  XX/XX/2019 also made a hard inquiry even after i explained to them i had been a victim of identity theft and the representative assured me it would not show up on my report! after having worked tirelessly endless hours I am beyond completely Fed up!
Consumer complaint received 2019-07-08
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. (LA)

I was part of the Equifax Breach. Equifax refuses to remove inquiries that were not mine. This affects my credit score. They continued to tell me I needed to contact each company. I refuse since they allowed my information to be accessed. I have received 2 years of harrassing call
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I was a victim of ID Theft, I pulled my credit report and noticed accounts that were not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I opened a credit card with Best Buy at a local store for a purchase of a computer. I completed the application with a sales agent and was approved for the purchase there on the spot back in 2011. My statements were set up to be done online as my payments, have always been done online. I have since paid off that computer and have done numerous purchases and paid them off online as well. Not until recently that I have made larger purchases that I noticed my payments will not decrease the balance on my credit card, so I looked closely at the statements online and I noticed that I was being charged without my permission for enhanced card protection services. Needless to say I immediately called the company where they informed me to call to another 800 number. I called them directly as well and the service representative told me that she would submit my inquiry to cancel services and request a refund of the service charges that I had been done without my consent. A week later I received and email stating the following : " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' How is this possible?!
Consumer complaint received 2019-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

Without giving its customers any warning, Paypal recently redesigned it's app so that the default option of transferring money now carries with it a 1 % fee. The only notice of this is in teeny tiny print. Customers were never notified that this new feature had been installed. There is no way to reverse these charges and it's a " one-button '' transaction, so you are never asked : " Hey did you really mean that you wanted us to assess a service charge on this transaction? '' There is no way to adjust the app or your account so that this charge can be avoided. This is clearly an effort to assess fees on unsuspecting consumers. I urge CFPB to look into this incredibly sneaky way that Paypal is targeting unsuspecting consumers. People who are vision impaired in any way likely have no idea this is happening. Truly disgraceful behavior by Paypal.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute inaccurate information that appears on my credit report. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 
The following item on my credit report is incorrect and I request that you investigate and remove it : Creditor Name : [ XXXX XXXX Bank ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This late payment report is inaccurate because the payment in question was never actually late. The issue arose due to a dispute regarding an escrow account payment, which was charged unfairly for a reported lapse in our insurance policy. We were actively disputing this charge at the time, as we had continuous insurance coverage and believe the reported lapse was an error. 
During this dispute process, we continued to make our regular mortgage payments on time. Unfortunately, it seems the disputed escrow amount was incorrectly flagged as a late payment. 
I request that you investigate this matter and remove the erroneous late payment report from my credit history. If you are unable to verify the accuracy of this information, it should be promptly deleted from my credit report as required by the FCRA. 
Please provide me with the results of your investigation within 30 days, as required by the FCRA. If you find that this information is indeed inaccurate, please send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have submitted several disputes to the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. My issue is that I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX on XX/XX/2019. Yet, Equifax has sent me a letter on XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I am demanding that Equifax remove this Bankruptcy immediately from my credit report, not just saying they verified with XXXX or XXXX, as I have tangible evidence that contradicts what they are telling me. 

Actions like this is the reasons why consumers do not trust credit reporting agencies, as they do not verify items, they merely parrot XXXX.
Consumer complaint received 2019-06-01
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: DISCOVER BANK (FL)

Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX   and XXXX from a unknown companies such as Discover Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

We claimed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, we applied for and were approved for a Synchrony Home card of {$3500.00} to be used for home repair. We used the card a couple of times to purchase flooring on a zero interest plan. Every payment was made on time or early and the account was fully paid in XX/XX/XXXX. In early XX/XX/XXXX, I received an email that we were issued new cards to be activated. I received the cards in late XX/XX/XXXXand when I called to activate them, I was told that Synchrony closed my account. I have read my cardmember agreement and understand that my card can be closed at any time. Considering that I have a perfect credit history with Synchrony and in general ( 0 lates in the last 4 years on anything ) I asked the representative if I could have my account reviewed for reinstatement. She connected me to a supervisor that said she would submit a complaint to the complaint department but could help me no further and to follow up with them. On XX/XX/XXXX, I called again and asked to be transferred to the complaint department. The representative instead transferred me to a supervisor who would not transfer me to the complaint department. I explained the situation again, and the supervisor would not transfer me and simply stated that they reserve the right to close my account for any reason at any time. It appears that Synchrony does not want to do business with me for some unknown reason, and I grudgingly accept that. However, taking the human element out of account review and closing my account has significantly damaged my credit score that I have been working so hard to repair.
Consumer complaint received 2019-06-03
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. (NJ)

I have been trying to submit disputes via Equifax 's website for months and have been unable to do so. I am met with the same error every time, despite the fact the challenge questions clearly match my report and are answered correctly. ( I have a recent copy of my Equifax report in front of me and can answer the questions. ) Equifax 's solution is to call, this is unacceptable.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (DC)

i was trying pay my credit card bill with my us bank focus card, my credit card company say XXXX XXXX say the transaction was decline as fraud why did you gus decline my trasaction saying it wasnt me, now they closing my credit account. they now requesting for you all to fax or email them who is the onwer of the account and why did the transaction decline XXXX fax number XXXX
Consumer complaint received 2019-06-02
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. (MD)

on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from Equifax, XXXX, and XXXX and I noticed multiple auto loan inquiries across all 3 Bureaus that were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.
Consumer complaint received 2019-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (NY)

I made a deposit to my Key checking account in the amount of {$19000.00}. On the same day Key Bank took the entire amount from my account and transferred the entire amount to an unused credit card account from a different bank. 
Their customer service was nonexistent and XXXX. They said all they could was file a fraud claim. This is ridiculous because this was obviously a bank error and they probably don't know what they did and now refuse to return the money until after the fraud examination which takes a long time. 

This is the third time I have been forced to go through the fraud exam started by Key Bank because of their incompetence and lack of customer service.
Consumer complaint received 2024-09-19
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)

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 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 2019-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX while trying to use my debit card, I found out that my bank account had been frozen. In doing further research with my bank, XXXX XXXX XXXX XXXX ( XXXX ), I was able to ascertain that XXXX XXXX XXXX, on behalf of Chase Manhattan Bank, had put a freeze on my bank account due to a judgement for a credit card I may or may not have had back in the late XXXX's/early XXXX ( I have no idea really what it is about ). This is the first notice I have received for this judgement and any further actions that were taken. I called XXXX with XXXX on XX/XX/XXXX for further information and still did not receive the information needed nor anything in writing that I could dispute these charges with before the action was taken. I have since left XXXX several voicemail messages to which thus far have not been returned. I also check my credit report on a regular basis and this charge/collection efforts have not been noted on anything. Please assist at your earliest convenience as this is creating a tremendous financial hardship on our family.
Consumer complaint received 2019-04-22
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: EQUIFAX, INC. (NC)

All of these accounts and account numbers are what I believe to be fraudulent. I have detailed the nature and the way I believe the thieves who stole my identity previously to the bureaus with out any resolve. I am requesting these accounts are removed immediately.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC (DC)

Starting XX/XX/XXXX I paid Clear One Advantage a fee for providing me with services to repair my credit. This agency did not contact any of my debtors to inform them that Clear One Advantage was representing me. Also my debt continue to increase while waiting for Clear One Advantage to assist me in paying my debtors. When I informed Clear One of this increase of my debts I was told that I had to pay them {$15000.00} before they could help me pay my debtors. Their contract is design to fit the company and not the client. I was charged a monthly fee of {$220.00} starting from XX/XX/XXXX to XX/XX/XXXX. This company did not report that I was paying fees to the 3 credit bureaus. This could have helped my credit if they would have reported it to the credit bureaus. I had numerous problems trying logging into my account with Clear One Advantage.