davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
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: JPMORGAN CHASE & CO. (OH)

I've submitted documents that show package never recieved dispute is from XXXX and now Chase is telling me its too old. I've been providing documents this whole time trying to get issue resolved. I'm owed {$200.00} and Chase has charged me back for more than my order was even for. They didn't process or take time to work this charge back at all.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nav Technologies, Inc. (CA)

This is essentially a case of false advertisement and terribly rude customer service. I signed up for Nav 's " Nav Prime '' membership and its XXXX XXXX {$10.00} service today, XX/XX/XXXX Three ( 3 ) of the most important features I paid for are unavailable. 

1. ) The XXXX XXXX service I paid extra for is completely unavailable to me. When I attempted to use the XXXX link to access my business ' score, it provides an error message stating, " Something went wrong. It looks like the page you're looking for doesn't exist. '' Error screenshot attached. 

2. ) When I attempt to apply for the Nav Business Checking, it provides an error message stating that it " ... .is n't currently live in your state ... '' Error screenshot attached. 

3. ) When I attempt to apply for the New Prime card, which was advertised ( please see attached advertisements ) as being " exclusive to Nav Prime members, '' it also provides a similar error message. 

I attempted to chat in and reached representative XXXX. The rep provided no apologies or empathy. At best, she offered absolutely minimal technical support assistance, and, instead, mainly tried to express the *other* benefits of Nav Prime membership. When I finally asked for a full refund, she said, " In order for Nav to process a refund you will need to call in ... '' Screenshot of the chat attached.

So, I called in as instructed, & after waiting on hold, received another unhelpful representative, XXXX. After explaining why I wanted a full refund ( false advertisement & inability to access features I paid for ), she tried saying I wasn't eligible for a refund. 

After demanding to speak to a supervisor, she allegedly put in a ticket for a supervisor to call me back in 2 business days. She refused to transfer to me to a lead or supervisor. 

This is absolutely ridiculous. I signed up, started experiencing issues accessing paid for services, and immediately tried to reach out. I have gone ahead and cancelled any renewal. However, I want a full refund.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

US Bank states that there is a limit of {$5000.00} per day and {$10000.00} per week for external transfers. No further information. I transferred {$5000.00} on XX/XX/XXXX, another {$5000.00} on XX/XX/XXXX and received a message that I had reached the weekly limit when I tried another transfer on XX/XX/XXXX. I tried it again on XX/XX/XXXX in the morning and the transfer was successful, meaning that the system reset the week at midnight on XX/XX/XXXX and that the new week started on XX/XX/XXXX. 

On XX/XX/XXXX I tried another transfer and received the message that I had reached the limit. I talked to the branch and was advised that the system would not reset at midnight on XX/XX/XXXX but at midnight on XX/XX/XXXX ( which didnt make sense since my transfer on XX/XX/XXXX in the morning was successful ). The branch manager advised that I should be able to do another transfer on XX/XX/XXXX. On XX/XX/XXXX I made another attempt with the same result. The branch did not have an explanation and told me to call the online department at ( XXXX ) XXXX. The online department told me that the system was set up the way that it would reset the week on XXXX which is not disclosed to customers and doesnt make sense. The new week in my case started on XX/XX/XXXX and according to the information that US/Bank gives to its customers, I should have been able to do another transfer on XX/XX/XXXX. 

I feel that US Bank set up the system in order to hold the money as long as possible without paying any interest, contrary to the information given to customers that they can transfer {$10000.00} per week.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report.

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking young verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I went to XXXX XXXX back in 2015 and I took classes there for my XXXX XXXX XXXX and I received XXXX grants and scholarships. I never received any information or documents stating that I own {$21000.00} to them. I have statements that state that I currently owe XXXX to them. I would like Transworld Inc to cease and desist all contact methods.
Consumer complaint received 2023-10-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (WI)

I was notified by XXXX that my credit score dropped, that a debt collector was trying to collect {$430.00} from an energy company in XXXX, TX, in XX/XX/XXXX. This was the result of fraud. Someone has my social security number, address and other information and opened an account and didn't pay the bill. The fraud occurred roughly a year earlier in XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX or authorized anyone to do so. 
I contacted XXXX XXXX to explain and they asked me to file a police report and send them the reference number. XXXX XXXX has this information. I have not heard anything from XXXX XXXX or XXXX since.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Account info Account name XXXX XXXX  Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$300.00} Credit limit {$15000.00} Highest balance {$15000.00}
Consumer complaint received 2023-09-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Awful bait and switch on a CD. I asked when I opened the account about a withdrawal penalty. I was told 2 months loss of interest by XXXX XXXX. This was at the time opening a the XXXX XX/XX/23. 

I ask via email XX/XX/XXXX, what would be the penalty for withdrawal. XXXX responded via email, 2 months. I went in today and they want to keep about 3 times that amount in penalty. That is what the computer says was the answer. I talked to the XXXX XXXX, nothing we can do. You were given misinformation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-01-03
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: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX I contacted Chase to dispute six charges from " FUNDED ACCOUNT, '' totaling {$940.00}, and one from XXXX XXXX XXXX XXXX XXXX amounting to {$6000.00}. I contested these charges because these companies provided misleading and false information, failing to uphold their promises. 

Upon my initial contact, I provided all requested information, including additional details sent on XXXX  ( attached ). Chase processed the dispute and refunded only two of the charges, refusing to take similar action for the remaining five charges. Their response stated that although my dispute was valid, it was submitted too late for them to intervene. 

In a detailed letter sent on XXXX XXXX XXXX XXXX XXXX I reiterated the specifics of the situation and raised a critical question : why were the two charges processed in a timely manner for dispute, while the other five were deemed too late? Notably, all these transactions occurred within the same two-day period. 

Despite my persistent efforts to seek clarification and a refund for those charges, there has been no communication from Chase up to the present date.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (TX)

I borrowed a loan of {$10000.00} from my bank. Sent {$11000.00} to the account on Gemini on XX/XX/XXXX from my chase bank account. I was promised by XXXX that the funds would be released soon. 

However to this day the same has not happened. 

I have called them 42 times and spent hours from my end to resolve the issue. I have also contacted them thru " email. Every time it's one thing or another. Asking for endless details without any resolution. 

I was disillusioned and converted the XXXX back to US Dollars and got it transferred back to my bank account. However, I got only {$10000.00}, a loss of {$780.00} without achieving anything. They are really playing with our money with no intention of allowing any transfers. In the meantime however, they are making money duping customers. {$800.00} is hard earned money and it's not their right to cheat. 

Emails have not been answered. When called customer service, they say they can not report the issue and we have to send email to support. When I did that, they took long time and replied back to send a new request. Sent a new request and few days went by nothing happened. Then I threatened to contact CFPB and they replied back asking me 8 questions. I replied back the same day. Now today I have received another email asking for more information and they will follow up!!!. This is after I have already withdrawn the money. 

Shows that they have no intention on helping at all. The replies are a eye wash to cover themselves to show they were working when they had no intention to resolve anything at all. 

In the mean time the customer support number ( XXXX ) XXXX stopped working. The new number that provided me was a magicjack number ( XXXX ) XXXX. This also doesn't work always. When it worked, they wanted access to my computer to fix the issue!!!. I am not willing to provide that access to my computer and have them steal my info and money. That's when I decided to try to get money back. 

It worked however a loss of time and money and missed crucial investment opportunity. Close to {$800.00} in cash lost, paying interest to the bank in the mean time. Lost opportunity to invest. This particular opportunity would have netted me a minimum of {$7000.00}. All in all my losses amount to {$7800.00} + Bank interest.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ID)

This took place on the chime banking app. On XXXX @ XXXX XXXX. there was a money transfer on my checking acct through pay anyone. For the amount of XXXX to $ XXXX I did not authorize this transaction. I contacted customer support disputed the transaction. Ive contacted them several times since the dispute and I either get hung up on or transferred from one department to another I spent 4 hrs on the phone trying to figure out how this could have happened and nobody could give me answers. Chime banking needs to be held accountable. 
Do not trust chime with ur money
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

My wallet and phone was pick pocketed on the early morning of XX/XX/2023. The wallet contained my debit card along with social security card and driver 's license. My debit cards were all used at the Wells XXXX  ATM in XXXX XXXXXXXX, CA. The person that stole the items changed the password on the account using the phone to access the bank app then proceeded to call the bank to change the pin on the debit card. They used the information in the wallet and account as well as the phone number to do the two step authentication and successfully changed the pin. They proceeded to use the Wells Fargo issued debit card at Wells Fargo XXXX XXXX multiple times. Overdrawing the account by {$350.00}. The charges and transactions occured according to the bank app notifications around XXXX XXXX  and continued until they began denying at approximately XXXX XXXX XXXX  XX/XX/XXXX at approximately XXXX when I could access a phone I called to process a theft claim. They responded that a credit would be issued until the investigation was complete and id receive a call or email asking for police information and further details. I never received a credit instead they threatened to close the account unless I covered the overdraft then 10 days pass and I had to call only to be told they denied the claim. The representative said they couldn't do anything because the ATM cameras aren't proof that I didn't make the transaction. I was then advised that no one listened to the call that was made to verify if in fact it was me that called and made the changes to the account. I contact the executive offices and explained to them the situation and got the same response. No phone call. No follow up. Just an email stating that nothing they could do and that they don't believe it was fraud. I emailed them the police report. I told them the time frames of everything. Informed them of the items the thieves had to access my information and still got the same response.
Consumer complaint received 2024-01-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I am writing to request your assistance in addressing a matter of great importance related to my credit report. I am currently facing challenges due to the unfortunate death of a family member, which has impacted my ability to meet financial obligations on time. I am seeking a goodwill gesture from your company to remove the late dates and negative status associated with the following accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$3600.00}. I understand the importance of maintaining a positive credit history, and I have been a responsible borrower in the past. However, the recent circumstances have created unexpected challenges for me.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MT)

LexisNexis has been reporting an at fault accident on my file for XXXX, I have called and complained, with a we cant help you over the phone we will send you the report and you can dispute it ( DOESNT WORK ). then since I was hoping they would finally fix it I pushed a new insurance app and found out now they added a new not at fault accident to my file in XXXXXXXX XXXX XXXXXXXX and I was home working all day on the day in question, I have no claims no damage to any vehicles. This company is extremely unfriendly and difficult to work with in the name of protecting my false information. They make it next to impossible to freeze your account with them! They send you to a website that is XXXX to navigate, the phone system is a huge time XXXX, and all they give you is canned XXXX  responses and FIX NOTHING. Somebody needs to help the consumers against monsters like this! Im ready to sue them at this point!