davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I was using online Marcus bank for long time. I have deposited multiple times from other bank to Marcus without any issues. Issue starts when I move my money out. All sudden they see error and needs to speak with phone number XXXX and speak with multiple people and they just informed that for some reason they could not verify my phone number and couldn't able to help and created case number to investigate and will reach me out within 3-7 business days. I requested to speak with Supervisor, her name is XXXX and she is even more stubborn to provide more information. 
I spend about 50 mins on phone and she finally hang up phone. I never see any supervisor at this reputed bank does this kind of act. I would love for someone to hear all conversation and report her to higher up. she denied to transfer anyone else at higher lever and stated she is the only person that I can speak. 
Neither she provided my case number and willing to accept any other information like my ss number, account number, savings amount. 

This is not acceptable, Now I have to wait for 7 more days for my own money to transfer to another account to pay my unforeseen bills which I have to pay ASAP. 

I would really appreciate if you can able to have them release my money ASAP. I would never recommend anyone MARCUS BANK. I will put this review in local network and social media to spread. 

I am urging you to take some strong steps to MARCUS BANK to avoid any customer fraud and taking customer 's money and illegally hold to not fulfill promise to transfer out when needed. Since I am not only one who has same experience with this bank for same purpose. I trust CFPB to act on behalf of me for many people like me.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

Pursuant to Comenity 's response letter to my earlier CFPB complaint XXXX XXXXXXXX ( please see response letter attached ). 

Contrary to the information provided in Comenity 's response letter, as of XX/XX/year> I have not received any letters whatsoever from Comenity requesting documentation. 

I have contacted Comenity Bank today, spoke with XXXX on their Account Protection team, and was told that I need to provide copies of : my Driver License, front and back of my Social Security Card, and a recent Utility Bill. 

Per XXXXXXXX XXXX advice, I have e-mailed all requested documents to XXXX, and have received an automated e-mail response advising me that the documentation has been received and will be reviewed within 30 days. For further verification, I am attaching here copies of the documents that were provided to Comenity today via e-mail. 

Meanwhile, my account remains on hold, and I'm not able to use my card to make any new purchases with it, while waiting for the documents to be reviewed. All of this simply for attempting to add my card to XXXX XXXX, and for seeking Comenity 's assistance with the same after not being able to add it on my own.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On Sunday, XX/XX/XXXX at XXXX XXXX I received a text and email fraud alert from Chase Bank. I was asleep at that time and was not able to reply to the attempted charges. Upon waking up on that same day, I realized my account had been compromised and that my debit card was missing. I immediately called the bank to open a claim and cancel the card. I was told that a claim would be opened and that I would received a temporary credit for the charges in question. A few weeks later, I notice that the credits in my account had been reversed. Upon calling Chase and inquiring the reversals, I was told that they deemed the details of the claim insufficient and that the fraud claim would not be honored. I called the claims department and was told that there was not enough information to confirm that my card was not in my possession or that I was not the one who used the card for the charges in question. I was told to come up with evidence to prove it was not me and to fax over the evidences. I was confused on what I could use as evidence to prove it was not me so I decided to visit my local branch. At the branch, I was helped by a gentleman who told me that I could submit the text alert, the email alert and the details of the transaction printed from the Chase banking website. These evidences would prove that Chase flagged it as fraud and that I was confirming their suspicions. I submitted all the documentation and escalated the claim. I then received a call from the person assigned to my claim stating that they would look into the denial. 48 hours later, I received another call from that claims manager informing me that the decision made by Chase to deny my fraud claim would stand. According to the claims manager, Chase is saying that because the location of the fraud is within, my scope of region, Chase believes I did in fact process and approve the charges in question. I then called the claims department again and was told to come up with more proof that I was not at those locations, at that time using my card.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX, I reached out to Freedom Mortgage, my lender for the mortgage of my home to begin a process to re-appraise my home in an effort to remove my PMI. During this phone call with Freedom Mortgage, they agreed that the next step if I want to remove my PMI is to set a time with an appraisal service of their choosing ( XXXX XXXX XXXX XXXX ) and if my new appraisal is high enough in value, then my PMI may be removed. 

The same day, I reached out to XXXX XXXX XXXX XXXX, who submitted a request to a customer representative of Freedom Mortgage ( XXXX XXXX ) who processed the request. I proceeded to pay {$460.00} to get my home appraised. The home was appraised on XX/XX/XXXX. 

On XX/XX/XXXX, I received an appraisal value from XXXX XXXX solution at a value that will be more than enough to remove my PMI. So I called Freedom Mortgage that same day and through a long discussion they then stated that they can not remove my PMI until I have had my loan for 2 years, which they have never mentioned before as can be confirmed by our record phone calls ( XX/XX/XXXX would be the official 2 year mark ). Additionally, that same day at the end of at least a one hour conversation, the freedom mortgage representative said she will reach out to the " higher ups '' who will give me a phone call to discuss this further within 72 hours, which they never did. So now I have not only not been able to get my PMI removed, but I have spent {$460.00} on an appraisal that is pretty much useless to me. 

At this time, I have enough principal balance/equity to reach a value of less than 78 % of my home worth. I have never made any late payments to the mortgage company. In addition, each month I pay additional principal for the sole goal of removing my PMI which is a significant burden to my financial income. 

I hope by filing a complaint to CFPB, Freedom Mortgage will remove my PMI.
Consumer complaint received 2024-09-05
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

I requested the Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

Letter of sale or assignment from the original creditor to there company. Agreement with credit that grants them the authority to collect on this alleged debt.
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: Experian Information Solutions Inc. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

On XX/XX/XXXX to the XXXX I have over a dozen charges on my account. I have opened I believe 11 disputes on these charges. They have turned it into investigation department and within 24 hours I'm denied. When I go over every transaction with customer service they verify that my charges do look fraudulent and assured me this time they fixed it and I'll get reimbursement. Then I get a email saying they found nothing wrong with my charges. There are over several locations I've never heard or bought from. The times used on my card. And the card they used. I get my dshs money directly deposited into my checking every month then I transfer it to my credit card. I don't use my checking account. If investigations did any investigation then they could easily see that it wasn't me. If they contacted any of the merchants they could of got video survalliance of who used my card. I was told to file a police report so I did. I sent them the file number and copy of my report. Every time I called them back to ask why I was denied again they could only say because I didn't provide more documents. I asked what documents? They never gave me specific documents they needed. The last time I called them the lady was very rude and said I would not be able to open another dispute. I requested the notes every customer service representative had on my account and a copy of any documents they needed they said they would email me but I never got a email with any attachments or copies or anything! This is been over a year now. I can provide copies of my bank statements from previous months so you can see my shopping /spending patterns. I'm going to attach the XX/XX/year>XXXX  bank statement and I highlighted any charges I don't recognize and believe to be fraudulent. There is also a deposit from someone named XXXX for XXXX dollars from when they had my card. I don't know that person and my card was missing at that time.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

**Subject : Dispute of Account Number XXXX Dear Midland Credit Management , I am writing to formally notify you that I have no knowledge of the account referenced above and believe this account to be fraudulent. I have never opened or had an account with Midland Credit Management associated with this number, and therefore, I am disputing its validity.

Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am exercising my rights as a consumer to refuse to pay a debt that I do not owe. As stipulated by this law, once a consumer notifies a debt collector of their refusal to pay a debt, the debt collector must cease all further communication. 

I request that you immediately remove any and all information regarding this account from your records and cease any further communication with me regarding this matter. Additionally, I demand that this fraudulent account be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) as it does not belong to me. 

I will be attaching the FTC identity theft report to support my claim. 

Please provide written confirmation that you have received this notice and that the aforementioned account has been removed from your records and the credit bureaus. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
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: JPMORGAN CHASE & CO. (IL)

I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I did not provide any written consent authorizing the release of my personal credit information to any third party, nor did I authorize your organization to obtain such information.

Given this lack of consent, I request that you immediately investigate this matter, remove any unauthorized inquiries from my credit report, and take the necessary steps to ensure that such unauthorized actions do not occur in the future.

Please provide me with a response detailing the outcome of your investigation within the 30-day period as required by law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing to formally lodge a complaint against Truist Bank regarding a fraudulent transaction on my checking account that occurred on XX/XX/year>, in the amount of {$4100.00}. Despite my numerous attempts to resolve this issue and providing substantial documentation proving my innocence, Truist Bank has denied my claim twice. 

From the beginning, I have cooperated fully with the banks fraud department and supplied all the necessary documentation to prove that I did not authorize or make this transaction. The fraudulent charge took place in Texas, while I reside in XXXX, Florida. I have never been to Texas nor do I have any known contacts there. This transaction is entirely inconsistent with my account history, as I have never made a purchase for such a significant amount. 

Here is a summary of the steps I have taken and the documentation I provided : Submitted a police report confirming that this was a fraudulent transaction. 
Contacted the merchant involved in the transaction to verify that I did not authorize or make the purchase. 
Provided evidence of my location at the time of the transaction, proving that I was in XXXX, not Texas. 
Detailed my account history to demonstrate that I do not typically make transactions of this size. 
Made several phone calls and escalations with Truist Bank 's fraud department, explaining the situation and providing further evidence of my claims. 
Despite all of this, Truist Bank continues to assert that I made the transaction, which is simply untrue. I have gone above and beyond in proving my case, but I am still being denied a fair resolution. The amount of {$4100.00} is a significant loss for me, especially given that I am XXXX XXXX XXXX, and this situation has caused me considerable distress. 

The following are the details of my case : Claim # : XXXX Escalation Reference # : XXXX I kindly request your assistance in resolving this matter. I have done everything in my power to prove that I did not authorize this transaction and hope that your involvement will lead to the recovery of my funds. 

Thank you for your time and consideration.
Consumer complaint received 2024-09-19
Product: Credit reporting 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. (CA)

Good day, my credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I requested a balance transfer of {$6300.00} from Bread Rewards Amex credit card company to XXXX XXXX XXXX who was offering 0 % XXXX. I was informed that the transaction was completed and a paper check would be sent within XXXX days to the existing credit card company to pay the balance. The check was returned in XXXX to the sender noting that it was an invalid account number. I called on XX/XX/XXXX to inquire about why I now have two credit cards with the same balance and was told that the check was returned and an electronic submission was needed in order to resubmit the payment. That process would take 5-7 business days. I called back to both financial institutions on XXXX ( XXXX business days ) to inquire about still showing the same balance on both cards and was informed that the electronic wire payment was rejected for an invalid account number ( which I verified with both parties the correct account number is being used to remit the payment ). I called both credit card companies multiple times in an attempt to resolve the issue and was told that I needed to wait another XXXX days for another check to the be sent for the balance transfer to be successful. I explained that they are using the exact same information so the same result would apply, expecting that the payment would be rejected again for an invalid account number. I requested that the process be escalated only to be informed that they can't do that until the lasted payment attempt has been completed. I'm now receiving bills from both credit card companies for payment on the same balance. I need help getting this resolved swiftly and accurately!
Consumer complaint received 2024-09-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (WI)

Cash net usa is in Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10 landmark Minnesota case XXXX until they heard the evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MONEY FROM NOTHING. XXXXXXXX XXXX XXXX XXXX mean money was created by my signature '' XXXX XXXX XXXX is the creditor that extended my credit to cash net usa.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MI)

On XX/XX/XXXX I went to us bank branch in fedral way wa to close my checking and saving account because I moving to XXXX and us bank they don't have branch where I'm moving .so they issue me XXXX cashier chicken XXXX for my saving account the amount XXXX and the chieck number XXXXthe anther cashier chiech for the checking account the amount XXXX the chieck numberXXXX.some how I lost these XXXX cashier checks luckily I still have coumstmer copy with me .I called the bank on XX/XX/XXXX to let them know I lost these XXXX cashier chieck .the right away put stop payment for these XXXX cashier chiecks .and they told the bank have to send you paper declear you lost these XXXX cashier checks and they told me I have to sign this paper and notarized .and the bank told me I have XXXX to XXXX business days to receive this paper declaration .so I waited XXXX business days the paper never came .I called the bank back on XX/XX/XXXX to let the bank know I still not received these paper .the bank told me properly these paper lost we will send you anther XXXX and you have to wait XXXX XXXX to XXXX business dayes I told the bank I don't have money now can you email me the form the bank say no it's got to be by regular mail.allso I conform with bank they have my right addres.so I wait anther XXXX business days the paper never came .I called the bank on XX/XX/XXXX to let them know I still not received the paper .the bank told me again they will send me anther XXXX and now XX/XX/XXXX and I still not get this paper .I need you to help me please to get my money I work realy hard for it I'm have a lot pain from this issue I'm not have money to buy food or pay my bills
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

In XX/XX/XXXX Affirm reported me as being late to XXXX on a loan I had taken out in XXXX of XXXX. The report simply stated that I was past due XXXX dollars without giving any other account information. This reporting was erroneous, as I had previously paid the past due amount earlier in the month. The account was paid off on XX/XX/XXXX. I promptly submitted a dispute with XXXX in XXXX of XXXX. Within several days the dispute results returned as verified. Between the periods of XXXX XX/XX/XXXX, Affirm continued to report me late to XXXX XXXX despite the account being paid off and closed. During this time period, 13 different disputes were made with XXXX regarding this issue. In each instance, XXXX " verified '' the information without making any necessary adjustments. In one instance, XXXX " verified '' the information and sent me the results within 15 minutes. It is unclear how a proper investigation could be conducted in a period of 15 minutes. 
During the period of XXXX XX/XX/XXXX, multiple certified letters were sent to both XXXX and Affirm regarding this account. The letters clearly stated that I was disputing the accuracy of this reporting based on the account being paid off, and it being continually reported as late. Each correspondence was received, as I received a return receipt for each letter sent. Additionally, I spoke to several employees at XXXX who stated to me they were continuing to receive updates from Affirm that the account was late. Also, Affirm sent me several " escalation '' emails that did not address my issue, but instead, simply stated my requests were denied. After a complaint iwth the CFPB in XXXX of XXXX, XXXX updated the account to paid. However, the account is still showing as past due and paid off at the same time, and remains a " derrogatory '' item in XXXX reporting system.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

A scammer posed as XXXX XXXX XXXX and had me balancing fake finance reports sent me money to send to vendors but this recent check just bounced and I called my bank to report the scam and they offered a wait but that Id have to pay off the fees
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

Account # XXXX I have disputed this account with Jefferson Capital Systems, on XX/XX/2024 ; XX/XX/2024 ; XX/XX/2024 numerous times, without any explanation or reason why this debt remains on my credit report. In attempt to settle this account on the companys website, it indicates that the account is now being serviced by another lender XXXX XXXX. Please assist with having this company remove this account from my credit reports, with XXXX,