davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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: CITIBANK, N.A. (NV)

I used my credit card to purchase XXXX XXXX XXXX XXXX size XXXX shoes from online vendor XXXX on XX/XX/2023, for {$220.00} through XXXX. After the purchase I immediately contacted my credit card company to rescind the purchase because I suspected fraud on the part of the vendor. This suspicion was based on other customers who complained online that the company never responded to their complaints after failing to receive purchased goods. My credit card company initially reversed my {$220.00} charge pending a fraud investigation. I followed up with the credit card company in writing on XX/XX/2023, that I never received the shoes, even though the vendor claimed to have delivered them to my residence via XXXX XXXX XXXX on XX/XX/XXXX. I learned about this so-called XXXX delivery not from the vendor but from the credit card company. The vendor never acknowledged receipt of my {$220.00} purchase via email, never sent me the XXXX tracking number, and I never received the tracking number from UPS even though I am a member of XXXX XXXX, which is supposed to deliver such notifications to me via text or email. I first received the tracking number from my credit card company more than a month after the package was supposedly delivered. When I tried to plug in the tracking number through the XXXX website, it wouldn't allow me to file a complaint about a missing package. In late XXXX my credit card company rejected my fraud claim for lack of evidence and posted the {$220.00} charge back on my card, even though I had also complained that I never received the shoes. So on XX/XX/2023, I wrote back to the credit card company demanding a full {$220.00} refund because I still had not received the shoes. I also emailed XXXX on XXXX, XXXXXXXX XXXX demanding a full refund and never got a response. In addition to the letters I sent I also had phone correspondence with the credit card company 's fraud department on XX/XX/XXXX and XX/XX/XXXX in which I complained about not receiving the shoes. Both calls to my knowledge were recorded. I am seeking a full {$220.00} refund because I never received the shoes I purchased.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OR)

Ulta Comenity Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : I feel this credit card company is being extremely unethical in making it hard for consumers to make a payment on purpose. I just signed up for this credit card, this was my first experience with this company. I have excellent credit and pay my bills on time. However, after todays experience feel this company is on purpose making it difficult for consumers to pay bills. 

I went today to pay my bill of {$48.00}, eight days in advance. 

Tried to go to website as the bill instructed and couldnt register because it kept saying account not found. I called the 800 # and customer service told me it was because they didnt have an email address for me. Provided over the phone and logged into my email and registered as a new user. After going through that process still would not allow me to access my account or pay by XXXX XXXX. After calling a second time found out there is a 10-day lag between when you create an account and when you can login. He suggested XXXX XXXX which also, I tried and wasnt allowing me to make a payment. ( see below screen shots ) So, knowing that online was now not an option, inquired about a payment over the phone and they informed me it is a {$9.00} fee to pay over the phone. I advised this was a gross overcharge as I was not needing to be paid today- I have plenty of time before the due date, they advised as a courtesy they can waive the fee. 

I tell them, I dont want it waived -- - I will pay by check. They then tell me that it may not make it there in time. Their company is backlogged in posting payments. I informed them if it is posted marked by the due date it should be fine as I live in XXXX  and will be posted dated before the due date as the state is XXXX. 

I closed my account today and paid by phone. However, I feel this company is imposing fees at the mercy of the accountholders. If your website isnt able to take payments after creating an account -your website needs to say that, and you should be taking payments free of charge. If your posting payment department is behind on posting payments within a reasonable time free that is no fault of the consumer and the consumer should not be charge a {$9.00} fee and should not be spined like the credit card company is doing the consumer a favor. 

Please feel free to contact me with any further questions. 
Disguised with credit card companies antics, XXXX XXXX XXXX ( not included are the screenshots of the login saying not able to find account, I have this but no option here to attach. )
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AZ)

My Identity was stolen, and someone is cashing out my checking account to buy crypto. I believed I was the victim of identity theft, where the scammer took my address, name, birthdate, and everything then went on this site to make a purchase. 

These are the transactions : 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 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 I contacted Sofi and XXXX yesterday. They denied my dispute the next day, I asked them why and did they spoke with XXXX about this matter. They went silence. Sofi did not contact XXXX they just straight out refused to dispute or get back my money. They told me I have to wait to see if XXXX approves sending me back my money or not, but it is likely already been spent.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act this creditor " Capital One/ Walmart '' and has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Betterment LLC (NV)

Received email from Betterment that my account access was locked. Had to call them for verification. Spent time on the phone with them to explain everything they asked for and eventually with no other explanation just received an email a few days later that my account was closed. 
Had this account since XXXX  and this is unacceptable way to deal with clients.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Okay today I woke up checked my credit score around XXXX something and noticed when I went into the FICO scores and I started looking at them and one of the things that popped out of me was you have been reported deceased and I assure to you I'm so alive I just turned XXXX XXXX XXXX and Experian could not give me an answer on why that was there and I said it's on all my credit reports Experian XXXX and XXXX the person could not give me an explanation so I informed them that we pay for identity theft up to a XXXX dollars and how could this happen that someone was able to report on my credit report is me being deceased once you pull up all three credit reports you'll be able to see that on me and my wife somebody stole her identity and they try to open up a XXXX XXXX  account to buy a vehicle we confirm that with XXXX XXXX but they denied the transaction because everything did not match after all and if you can really look into this cuz I sure to you I'm alive and well and I'm not deceased that's the reason why some of my credit reports are not updating.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2023-10-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I registered for XXXX  with XXXX they said that I wasnt cleared through fafsa so I have to pay out of pocket after I already was enrolled in classes. I dropped the classes DURING the add/drop period and I still received a debt collection with the cost of XXXX please dispute.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account, XXXX. I believe this limitation has been imposed in error. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. The limitation on my account has left me puzzled and distressed, as it appears to be a misunderstanding or misjudgment. 

I kindly request PayPal to conduct a thorough re-investigation of my case. I believe that upon closer examination, it will become evident that I have not violated any PayPal policies. My intent is not to challenge your authority but to seek a fair resolution to this matter. 

My PayPal account has been an essential tool for my online financial transactions and business activities, and its suspension has had a significant impact on my daily life. I kindly ask for your understanding and assistance in resolving this issue promptly. If, after your re-evaluation, it is determined that there has been an error, I respectfully request the restoration of my PayPal account so that I can resume using your services. 

I greatly appreciate your attention to this matter and look forward to a fair and just resolution. Please feel free to contact me at XXXX if you require any additional information or clarification regarding my account. 

Thank you for your prompt consideration of this appeal. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-03
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. 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. Please update or remove the following inaccurate items in my 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
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : 1.XX/XX/XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (OH)

On XXXX, I went into my personal banking application ( XXXX ) and noticed we had a reduction to our personal checking account of {$2000.00} from Wise.com on XX/XX/2023. I checked all other accounts on my XXXX accounts and wise.com also had a reduction in our XXXX savings account of {$2000.00}. Both of these accounts are Joint accounts shared with my wife. We both discussed and do not have wise.com accounts or any other reason for us to have the reductions in our accounts. We reached out to XXXX and they are working to remedy. My wife and I each have individual checking and savings accounts through XXXX and didn't have any fraudulent activity in any other accounts other than our joint checking/savings.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (WA)

My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing me money.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NY)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Consumer complaint received 2023-10-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO. (NY)

I purchased a home in XXXX, the loan eventually was transferred to Chase. In XXXX, I refinanced with Chase. A loan from Chase refinanced with Chase in XX/XX/XXXX. I am now attempting to sell the home. Upon title search it was discovered that there are 2 mortgages open on the property. Chase didn't perform their due diligence and never closed the initial loan. Now I am unable to complete the selling of the home. I have contacted Chase at length. Beginning on XX/XX/XXXX asking for a lien release. I called XXXX on Monday XX/XX/XXXX, escalated to a manager was told I would be contacted in 48 hours. I provided countless documents through the escalation office, including the closing documents from the refinance with Chase that includes the initial loan account # as well as the new account number that was eventually transferred to XXXX. I have called, emailed and although once or twice I received confirmation that a lien release was appropriate, that information has been followed up with another email stating it wasn't. 
I have called, emailed, escalated. The closing for the home has passed and now I am responsible for another month of mortgage. Every time I have contacted Chase, either through the lien release department or the escalation department I have been told they need more time. 
This request has not been taken seriously. We have relocated due to employment changes, we are paying two mortgages at substantial financial distress, we have a buyer but due Chase 's clerical error I have not been able to close. 
If I were to lose the buyer to the home due to their inability to provide the necessary documentation, they would be liable. I have given them the time and documentation they have requested. They have failed to follow through or comply with my request.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NV)

So back in 2021 I was going through a finical hardship I lost my job because I suffered a work injury. I had 2 checking accounts and 1 saving account with Chase. I ended up becoming over drawn with my account by about roughly {$1700.00}. At the time I was unable to pay it all at once so chase closed my account. Earlier this year I tried to open another account with Chase and was successful upon making a payment towards my debt. I got a settlement back in XXXX and went into a Chase branch to pay off my debt. I paid the banker cash and was told my account will be clear. How ever I recently tried to open a account and was instructed to call customer service, when I spoke with them they told me Chase was no longer doing business with me and that I still have a balance on my account which I told them I paid it cash inside the branch. I would either like my cash back and interest because I was taken advantage of by the branch banker. I would like to also be able to bank with Chase again.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION (MN)

On XX/XX/2023, I initiated a transfer of my HSA from UMB Bank to XXXX through the XXXX portal. I was then directed that UMB Bank refuses to acknowledge these transfers unlike other HSA providers and instead requires me to liquidate and initiate the transfer on their side. I immediately put in that request to liquidate at the end of XXXX ; however, UMB continued to drag their feed not selling the assets until XX/XX/XXXX. They then XXXX the account on XX/XX/XXXX, debited the account on XX/XX/XXXX. They then held the funds for 3 additional weeks claiming they have now sent the check on XX/XX/XXXX. 

During this time, UMB never reached out to me with each action needed to be initiated by either XXXX or me. I was then lied to by the UMB rep that paper checks are required for HSA transfers per IRS regulations, on top of their inability to do an in kind transfer.