davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

This complaint is associated with initial complaint # XXXX with XXXX XXXX  XXXX regarding XXXX fraudulent Wire SCAM of {$42000.00} on XX/XX/year> to Discover XXXX XXXX XXXX XXXX, Florida XXXX XXXX  XXXX XXXX was immediately contacted of the fraudulent SCAM within an hour of the occurrance. Following weekly follow up with XXXX  XXXX XXXX as ot today they haven't be given any update from Discover Bank. The purpose of this new complaint to request assistance from cfpb to contact the XXXX XXXX for update regarding their investigation. See details of the incident below : I was called on XXXX, XX/XX/XXXX from an imposter from the XXXX  XXXX XXXX XXXX Department. They told me there were several unauthorized transactions, approximately {$100.00} with an apple store transaction and another one for a gas station for {$100.00} and a third for around {$100.00}. They told me about the transaction taking place in XXXX California and I told them I was unaware of those transactions. They told me to check on my app to check for any unusual activity and I found nothing. They then said since they couldnt see anything they asked me to check my balance and they requested I tell them my balance. I told them the balance and they told me they need to stop a transaction being made to XXXX XXXX, via wire transfer, in XXXX XXXX Florida. I told them to do it and they said they would walk me through the process on my phone through the XXXX  XXXX XXXX XXXX to stop the transaction immediately. They stated they were walking me through to stop the transaction immediately on my phone but instead, they were walking me through transferring the funds through a wire transfer to XXXX XXXX instead of helping me stop the transaction. I told them I saw {$42000.00} being taken out of my account and they told me they were doing it to get the money safely returned. They told me they would call me back tomorrow to confirm the stop and I told them to call me around XXXX in the morning, XX/XX/XXXX. I did get a call at the designated time but I was aware why I was being called back and requested his phone number and he didn't want to provide it and his name was XXXX XXXX. I had called XXXX  XXXX XXXX and told them what happened within minutes since my wife suggested it was a scam. I was told that I had not spoken to anyone from XXXX  XXXX XXXX XXXX Department and they would send over an electronic communication to Discover Bank in XXXX XXXX, Florida to stop the wire process immediately and investigate. Since then, I have not heard anything regarding those transactions and I have been calling them every day to get an update.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MD)

Goldman Sachs Marcus randomly closed my account on XX/XX/2021 for no reason, wouldn't tell me why. I had about { {$2000.00} } in the account, was going to move in more. I hadn't done anything with the account, so it was very confusing. They wouldn't provide any information " for security purposes, ''. They sent me to my linked bank to recall the funds which i was told is not possibe because it was not a debit /credit card transfer - this whole unfortunate turn of events is causing stress.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I have been calling XXXX XXXX  DBA XXXX XXXX my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to equifax my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my Equifax Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.
Consumer complaint received 2021-08-23
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: Experian Information Solutions Inc. (FL)

Experian is reporting a collection account with XXXX XXXX for which the account has been paid off and the company agreed to remove it. The most recent report shows it's listed with a XXXX balance. They had enough time to update the balance then they should have had enough time to reach them and verify the company agreed to delete it.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC (OH)

I am getting daily phone calls from different numbers stating " You have an important message from XXXX  ( Cedars? ) [ hard to tell from message ] business services. This is a message from a debt collector. Please do not delete this message until you have called us back. XXXX '' [ number that called me is different each time but the message is the same ; call back number also changes ]
Consumer complaint received 2021-09-02
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: Experian Information Solutions Inc. (OH)

I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2021-08-23
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: Santander Consumer USA Holdings Inc. (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION (TX)

Im not sure how they received my information but these people pretended to be a loan office through Allied Cash Advance. I initially recieved an email saying I had been approved & & they called my phone on XX/XX/2021 where they Verified my loan application. On that afternoon I was told I needed to pay a security payment via XXXX Gift Card of {$170.00} & it would be refunded. After making the payment I was told that I would receive an email from the Texas Department of finance so it could be deposited into my bank account which I did but I had to pay a charge of {$350.00} that would be refunded once I received clearance. After waiting 2 hours I was told that my bank does not accept wire transfers which I confirmed they do not. So I had to pay the money gram fees of {$480.00} to receive my loan. So once paid I was told to wait for my reference code to be provided & once received it was incorrect & & the company was closed. So I called on Saturday morning & & was told that I need to pay an additional {$400.00} because they had to break the transfer into smaller increments. Once I refused to provide any more money they told me that I would have to a total of {$250.00} cancel the XXXX & & receive my refund via money gram! I have spoken with XXXX & & the told me to go ahead & & file my report because I was scammed not once but twice by two different companies
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2020 I received an email for a Barclay - jetblue Plus credit card with an offer for XXXX bonus points by spending {$1000.00} and paying the annual fee both within ninety days. The offer was enticing and I immediately applied online. 
On XX/XX/XXXX I received a congratulations email welcoming my account. On XX/XX/XXXX the card was activated. I met their financial requirements and but did not receive the bonus points they offered despite more than meeting their requirements. 
I called Barclay in XXXX inquiring why the points were not applied. I was told they will look into it and on XX/XX/XXXX I received a letter from them stating only : " We're currently unable to assist you with your Rewards issue ''. No other reasons were included. 
The card is JetBlue Plus by Barclays last four digits XXXX telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CC Doc 1 Email offering Doc 2 Congratulation welcoming Doc 3 Card is active Doc 4 letter from Barclay
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I reported a credit freeze with XXXX a few years ago. I was surprised when I applied for a new mobile phone to find that all three credit reporting agencies had a freeze on my account. I have been able to successfully remove the freeze from XXXX  and XXXX 

However, Experian 's process has put me into an endless loop. No matter what option I try, their phone number will not let me speak to an agent and sends me to their website. When I enter my information into their website, it gives me this error : Security freeze error Attention! 
We are unable to process your request. 

If you would like further assistance in removing your Freeze, please contact us at XXXX I am completely at a loss how to fix this issue, and feel this is a deceptive business practice.
Consumer complaint received 2021-07-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (LA)

On XX/XX/2021 I entered a consumer credit transaction with CHRYSLER CAPITAL and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$3000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CHRYSLER CAPITAL claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CHRYSLER CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Chase bank hasnt closed my account yet but still wont let me access my money XXXX I came in with my if and everything I just want my money n they wont give it to me they said they have to mail me A check once they close it in 7 to 10 days I need my money to pay bills
Consumer complaint received 2024-10-18
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. (TN)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$65.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX - {$280.00} XXXX XXXX XXXX XXXX XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Last reported XX/XX/2024 Reported balance- {$5500.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2020-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

I initiate an external transfer of {$8000.00} from my XXXX checking to my Citi checking on XX/XX/XXXX. The money was deducted from my XXXX checking on XX/XX/XXXX. And I received a phone call from Citi on XX/XX/XXXX saying that the money was rejected by Citi because of some mis-information. Meanwhile, the Citi agent called XXXX verifying my info during our phone call, and it turned out all the info are correct and it was some mistake on Citi. So Citi said they would unblock any future transfer from my XXXX checking but unfortunately they already sent that {$8000.00} back. And the Citi agent mentioned that the money would be shown in my XXXX account in 3 days. Today is XX/XX/XXXX, 5 days after Citi called me, and I still didn't see the money showing in my XXXX account. I called XXXX and said they never received the deposit back from Citi. And then I called Citi, they said they don't know what happened and don't know where is my money. 

This is totally Citi bank 's fault that they are so inefficient and mess up with my money.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America said they charged the account {$230.00} in fees because " the ... ACH debit was returned unpaid because your account had insufficient funds. '' The B of A claim ID for the claim I submitted for the wrongfully withdrawn funds and imposed fees is XXXX. B of A will now withdraw the {$230.00} in fees that were temporarily credited back to me, from the account again on XX/XX/2021. 

The problem is I did not authorize the ACH debits on that account and the wrongfully taken funds were therefore returned to the account by B of A ; at least for now. However, B of A insists on charging me fees because I did not have enough money in my account to pay the wrongfully withdrawn money! I should not be forced to pay fees because a third party wrongfully withdrew money from my account without my knowledge or permission.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax XXXX XXXX XXXX XXXX XXXX were all supposed to send free credit reports to me! 
Equifax sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE! 
The Letter was opened by another person in my family who has the same last name as me! 
Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do! 
For a lot of reasons! 
For other people - it could have been a lot worse! 
XXXX XXXX XXXX XXXXreports have still NOT arrived!
Consumer complaint received 2020-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the ACCOUNTS I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE these accounts at the earliest possible time.
Consumer complaint received 2024-10-21
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have two credit cards with Capital One : ( 1 ) Quicksilver account ending in XXXX ( 2 ) Walmart account ending in XXXX I moved on XX/XX/20 and what should have been an easy and simple process of updating my home address has turned into one of impossibility. I tried prior to moving to notify the Bank via telephone and was met with extreme difficulty and ultimately the agent was unable to process the address change. Additionally, I tried making the change online but again was met with extreme difficulty and due to stale information was unable to get the receipt the security verification code to access my online account that I setup at inception several years ago. I tried contacting corporate but again was met with extreme difficulty as they route the call back to customer service. 

I want both accounts CLOSED. I used my Quicksilver account for moving expenses and need the charge information confirmed ( i.e., what is the amount due ( should be {$1600.00} ) and when is it due ( should be XXXX ) so I can coordinate the ACH at the appropriate time.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Joint credit card with Capital One Credit Card. Payments made by ACH ; XXXX XXXX rejected the ACH payment due to a bank error. ACH payments reversed off credit card, while auto charges applied to credit card continued - forcing the credit card to be over it's credit limit. Credit Card company reported the high credit amount as - " Highest Balance {$18000.00} '' while credit limit is only $ XXXX therefore credit report reflects as if we went over our credit limit. Bank admitted to the error and issued an update to Capital One to correct " Highest Balance '' error. Dispute with Capital One Credit Card results in - correctly reporting the status of the account with the Highest Balance at the {$18000.00} which is affecting credit score and causing harm due to trying to refinance. XXXX XXXX  admitted fault, and issued a letter of correction to Capital One and I issued copy of the same letter with dispute ( as this occurred over 3 months ago ) Capital One is not honoring letter from XXXX or our dispute.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated  that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.