davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have XXXX different businesses with bank accounts at Bank of America, for which I also have several credit cards associated. We need the cards to carry out business, especially for our construction company that needs to make large purchases for client projects. We typically have to use one card, then pay it down and switch to another until it becomes available again. Clients pay us back for the purchases we make on their behalf, but sometimes they are delayed or even go into a dispute status and we are left owing money on the accounts. We never received a warning that our credit card accounts might be closed if we weren't able to make a minimum payment right away. Rather, the bank simply closed 4 of our cards and took {$9000.00} from a few of my bank accounts I had with them to make the payments. One of the accounts was my XXXX daughter 's. That was a disgusting action -- especially, without warning us. I asked them today after finding this out if I could do anything to reverse this and simply make the minimum payments and they said " absolutely not. '' I can't believe the bank I have done hundreds of thousands of business with for the last few years would not try to amicably work with me, and they made no effort to restore the money to my daughter 's account. She should not be affected by my businesses and the bank 's lack of notice. The credit lines that I had were a total of almost {$80000.00} that is now not available to me for my businesses to function. I am also hugely impacted on my credit score and have no way to acquire a new card because of this bad history. I had to spend all day and will have to spend several more days trying to figure out how to fix this and not lose our project contracts that are already underway and rely on the cards. In addition, I just took a personal loan of {$20000.00} to cover the minimum payments and to pay my payroll obligation tomorrow ( XXXX ) and they put a hold on the whole check for at least a week, until the XXXX of XXXX. Payroll will be 4 days past due and my employees will threaten to quit if not just be severely impacted by my inability to pay them. I am doing everything I can to meet our obligations, but the bank is acting as if they have no control and no heart. This is cruel and impacts several lives. Please help rectify this by restoring our accounts and helping us access the funds I had to borrow from a family member. They said the check for the loan was already withdrawn from their account by the way. There is no need for a hold. Unbelievable!!
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/2021, called Marcus by Goldman Sachs ( MGS ) to perform a Domestic US wire from my MGS online savings account to my XXXX XXXX XXXX, XXXX. Individual Investement account, and I was asked to gather the required information ( Bank name, routing number, account number, etc ). I was informed that if the request was received by XXXX. of a business day, the domestic US wire would occure within hours of the request. When I called MGS  on XX/XX/XXXX to provide the required Domesctic US Wire from MGS  to XXXX XXXX, for some unkonwn reason the representative lied and decieved me by telling me that I could only perform a US domestic wire for an account that I had linked, which I was not told the day before, and has turned out to not be true. 
On XX/XX/XXXX, I called back to MGS  to verify the requirements to perform a US Domestic wire to XXXX XXXX, and only had enough time to get the represntative, who did not appear to know what he was doing, to verify that I could indeed perform a US domestic wire to an external account and it did not have to be linked. 
On XX/XX/XXXX, called MGS to initiate the US Domestic wire to XXXX XXXX before the XXXX. deadline, and after 4 hours, checked my XXXX account and did not see the funds. Followed up the phone call to MGS and the MGS representative then proceeded to tell me that my US domestic wire was in the queue, and would need a primary and secondary review before the funds could be released ( which was not told to me ). Then, the MGS representative told me that after the review, it may take 2-3 business days to complete the US domestic wire. 
**Complaint is to determine how many times and the Marcus By Goldman Sachs company lied and decieved me as a customer, and how this behavior can be corrected by Marcus by Goldman Sachs XXXX
Consumer complaint received 2024-10-28
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. (VA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with an
y of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-03-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

My wife and I opened a High Yield Savings Account with PNC Bank Account on or about XX/XX/19. As part of this process, we funded the account with all of our savings ( {$150000.00} ). 

PNC sent out a registration form for us to confirm the opening of the account, which needed to be returned within ( approximately ) 30 days. 

Due to us moving apartments, the slow redirection of this mail meant that we missed the 30 day period. 

We called PNC last week Tuesday XX/XX/19 and was informed that our account was closed on XX/XX/19 and a check for {$150000.00} was sent to us at our new/correct address, but was sent with no tracking or any other way of evidencing its sending or receipt.. This check was not received by us and is still missing. We requested to speak to a manager and spoke with XXXX - who told me that she would follow up and contact me the next day. 

XXXX did not follow up so we called XXXX on XX/XX/19 and left a voicemail to follow up. There was still no call back from XXXX and we called PNC again on Friday XX/XX/19 and spoke with a person named XXXX who said that he would send the message to XXXX and mentioned that I needed to sign a document to stop the check. 

On XX/XX/19 - We called XXXX again and pressed XXXX due to no answer. We were transferred to XXXX XXXX. XXXX told me that the check was sent and it was outstanding-meaning not cashed. I informed her of the history and that we havent received check. XXXX faxed us the form that requires our signature to stop the check. This form requires us to fully indemnify PNC for all liability related to the check. I am outraged at this. PNC decide to mail a check to a customer for {$150000.00} with no tracking, and the only way that I can stop that check and ever receive my money back is if we indemnify them for what I consider to be a negligent and reckless practice. 

I was escalated from XXXX to XXXX XXXX who confirmed that the only way I will ever get my money back is if I sign this indemnity, covering all losses associated with PNC 's practice of sending checks of {$150000.00} to consumers with no security or tracking procedures. 

I am now stuck and do not know what to do.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my account and when I called for a reason I was told it was confidential and they can't give me a reason why, even though I am the account holder. My account always had money, I would get direct deposits weekly. I overdraft only once.
Consumer complaint received 2020-12-23
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: Webcollex, LLC (NY)

On XXXX XXXX, 2020, CKS PRIME INVESTMENTS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XXXX/XXXX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (IL)

The efficiency and prompt attention of CREDIT BUREAUS to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be FIX immediately in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$410.00}
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

I have opened account with WISE on the name of my company. XXXX XXXX XXXX. My account was deactivated by WISE without any intimation or information. i had a funds in my account that were XXXX USD. I was told my Wise that it will take 2-5 days for XXXX bank transfer as i have provided my US account detail of other bank to transfer my stuck funds. But they have not kept their commitment it's been 20 plus days i am begging for my money and even they are not even bother to respond. Just respond once or twice and said we don't understand the problem but it will take time. They made a commitment and i suffering loss because for their false commitment and pathetic behavior. 
Moreover i am amazed and disappointed to see the poor response of American bank. I was of the view that people and system in US is very much customer oriented and they care for the rights of normal person but unfortunately it is vice versa. I had paid XXXX USD for their membership but not able to use my account properly. I am requesting you to help me out to refund my stuck amount and membership fee that is basically my right to get back my money that is XXXX USD. 
Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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.
Consumer complaint received 2022-04-07
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. (TN)

In accordance to the Fair Credit Reporting Act ; has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or time of place known or which should be known to be inconvenient to the Consumer. 



XXXX XXXX XXXX ( Acct : # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX ( Acct # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX XXXX, ( Acct # : XXXX & XXXX ) has violated my rights. 

XXXX XXXX XXXX ( Acct # XXXX ) violated my rights. 

XXXX of XXXX Acct # : XXXX, XXXX, violated my rights XXXX XXXX Acct # XXXX violated my rights XXXX XXXX XXXX Acct # XXXX violated my rights.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (GA)

All three credit bureaus, such as Equifax, XXXX, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX XXXX All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (VA)

i do not recognize these inquiries XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This loan was paid off in full in XXXX of 2013. XXXX XXXX never closed the account, alleging we were issued a refund in an amount greater than what was owed. Why would they issue us a refund if we were paying the account in full? Regardless, we never received this alleged refund. This is corruption. XXXX acquired the loan and asserted we owed {$1000.00}, and now XXXX is asserting the same false claim. XXXX XXXX and XXXX were both revoked from servicing federal student loans due to misleading business practices. How long before XXXX suffers the same fate? Well, heres complaint number XXXX! They are attempting to service a loan that was paid off in full 11 years ago. Due to the extensive length of corruption from XXXX XXXX and XXXX, XXXX has now absorbed the same unethical, inappropriate practices that lost XXXX XXXX and XXXX this privilege. This is affecting my credit score, and I am extremely dissatisfied. XXXX is making false claims, and they failed to correct it.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 I deposited {$1500.00} from my back account in XXXX Florida with coinbase. 

Today is Saturday XXXX 2021 and my funds are not yet available to send. 

Coinbase has held my funds a full seven actual days. 

I am able to send a wire transfer to XXXX in less than 48 hours, but Coinbase who is in XXXX can not let me have my money after 7 days? 

Coinbase has caused me damage and I would like a repay,
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (CT)

Discover Student Loans was unable to offer me a further repayment option when payments were made on time without issue but my financial situation was explained at several occasions. I have remaining forbearance on the loan and was denied access to forbearance to allow me time to get back on my feet. As a result I seemed consolidation with another agency and during that time of the company completing pay off Discover reported me to the credit bureau that has now effected my credit score. My financial situation was well documented and Discover would not accept any documentation nor allow me to continue to the lower repayment plan until I could get stable financially.
Consumer complaint received 2020-11-28
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: JPMORGAN CHASE & CO. (TX)

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Chase credit card. So Chase Inquiry on XX/XX/2020 is not resulting from my personal action.