davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 

XXXX XXXX XXXX  on my report
Consumer complaint received 2024-07-27
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State as well as federal courts have jurisdiction over suits brought pursuant to 42 U.S.C. 1983, which creates a remedy for violations of federal rights committed by persons acting under color of state law.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

on XXXX XX/XX/XXXX I opened a cd with Goldman Sachs XXXX, it has been a problem ever since. this was a penalty cd opened at 5.15 % for 12 months. on XXXX XXXX, they charged me back up withholding when I am not subject to back up withholding. I have called them numerous times to request this be stopped. I have spoken to so many rude nasty people that won't help me and they keep saying they can not authenticate me. I have been banking for XXXX years and have never come across this problem. for two weeks now I have been trying to authenticate me. They continually tell me that I am not verified. They have locked me out of my account repeatedly and won't help me. I had to get a signature card to terminate the backup withholding. that took 6 days. then they sent me a letter dated XXXX XX/XX/year>, that if I suffered hurricane damage from hurricane XXXX, that I could release the cd with no penalty. I am still locked out and can not get anything done.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-07-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc. (TX)

Good Day My husband and I are veterans and applied for a VA IRRRL with Arcus lending because we received a letter in the mail stating that we qualified for the refinance. Since starting the process communication with the loan officer has been very scarce. We keep getting the run around, and are being told various different information that isn't true. They told us we could save 2 months of mortgage payments and get our escrow money back, they said our loan had been approved but then we received a email stating it was still in the approval process. We started the process in XX/XX/XXXX and they said we would be able to close in XX/XX/XXXX, it is now XX/XX/XXXX and we still don't have a closing date or any updated information about the status of our loan. I've tried to get in contact with the company and no one is available. Every number goes to a recording that says to leave a detailed message. I've called and texted the loan officer and I have not heard back from him. This company has all of our information ran a credit check and everything and now I feel as though I need to ensure our identities haven't been stolen. The manor in which this company conducts their business is unprofessional, and as veterans I feel as though we have been taken advantage of. The loan officer says he is part of a veterans mortgage company but in no way shape or form have they helped us. They just promised a lot of stuff and haven't followed through and now I am concerned about my person information that was sent to this company.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/23, I canceled a transaction made on XX/XX/23 with XXXX XXXX. I did a dispute on 3 credit cards that I charged the whole amount on. I was refunded from XXXX XXXXXXXX XXXX XXXX ( party to contract in which card was opened by XXXX without proper terms and conditions given ) and XXXX XXXX  XXXX. This made the contract invalid and cancellable by purchaser at any time due to failure to disclose and misrepresentations that violated South Carolina Law. I filed a case with American Express to complain about the unlawful handling, investigating and denial of my dispute. They still continue to close out dispute and case without any answers. They send same old denial response every time I reopen it. That response is irrelevant and erroneous. I asked for it to be escalated to arbitration or legal but still no response. XXXX continued to illegally set up accounts from purchase after it was cancelled and refund requested violating my right to arbitration in contract and in SC law.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

On XXXX XXXX my card was used at a XXXX XXXX XXXX XXXX in Florida, I live in Indiana. My card was charged {$450.00}, I have not traveled to Florida for 12 years. I do not know anyone traveling to Florida at that time. I have never shared bank or card information to any friends, family or strangers. I do not use social media and never posted anything about my bank or card information. Then on XXXX XXXX " XXXX XXXX '' took {$1500.00} out of the same account. I did not approve any of these transactions. I have never met an XXXX in my life. I have disputed these transactions 4 times, all came back " Not Fraudulent '' and Chime/XXXX XXXX  refuses to refund me the money that was stolen from me. I have requested the information on how they found that conclusion but have not received it yet.
Consumer complaint received 2024-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NV)

Between my information being incorrect on the federal student loan website studentaid.gov and incorrect information given by XXXX I have made incorrect decisions that have resulted in having to request forbearance to correct after being given information that I should register for the standard plan, and, per that plan stop filing my taxes single filing separately, I was then told I was in the wrong plan, and then went back and my payments went from under $ XXXX {$950.00}. 

I made some complaints with XXXX and the ombudsman. I received a letter on XXXX XXXX that there was a delay and I would get a response in 90 days. I still have not received a response. There was initially a question that led me to believe I was already over XXXX payments. 

I also have yet to hear back from the Ombudsman. 

On the Student website, it says that my loans dont qualify for XXXX because I dont have the right loans, however, I do. 

Although apparently my server has been switched to XXXX, The federal website says my loans are still with XXXX 

The website providing the incorrect information and the staff for writing the incorrect information as resulted in many bad decisions that have not financially worked on my favor. I tried to grab that information but the federal website just went down again. Which is another thing that happened so frequently that I want to pull my hair out XXXX should not have people advising you to select a particular plan if theyre not knowledgeable about the process. The government should not recommend plans that will take you off XXXX, without explicitly and very loudly, giving you warning that thats going to happen. It feels like this has been done on purpose to generate anxiety and, prevent as many people as possible from getting their loans paid and to get them to pay far more than needed. I believe I paid more in the past seven months and I didnt in the XXXX years. I was paying my student loans prior to XXXX.
Consumer complaint received 2024-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KY)

Having a lot of trouble with Incomm recently. Typically when a card needs to be replaced because it can't be used in person at a store due to " security '' protections they will issue a replacement card. Often this requires multiple follow-ups as sometimes only some of the cards come in the mail and then its difficult to determine which card replaces which. 

This most recent experience has been even worse. I had to send documentation to incomm for replacement cards. The time frame for review is excessive and in the past it has even taken upwards of 30 days for a repsonse thus I am opening this complaint. 

Please replace the cards ASAP. I am attaching receipts for reference and have already emailed incomm the other documentation. 

Email sent : XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to chdocuments Please send replacements card for both to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attaching documentation including receipts, id, proof of address
Consumer complaint received 2018-06-02
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: WELLS FARGO & COMPANY (FL)

Good morning/evening, On the following date of XX/XX/2018 Wells Fargo filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Consumer complaint received 2024-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (VA)

XX/XX/XXXX I paid XXXX to XXXX for a bicycle being shipped from XXXX through a add on XXXX but sold from XXXX XXXX sale. I have my receipt there is a contact email address from a XXXX. around XXXX I emailed this address asking for a tracking number an sent me XXXX on XX/XX/XXXX I still havent recieved my package so again I emailed the response I recieved was the item was delivered an would suggest I chk with XXXX as well as my neighbor. I went XXXX step further I contacted XXXX, I was told that the order # was not an XXXX # an suggested that I contact my card company. After going to the post office an being told that is not a usps tracking # an to contact the card company, I then emailed XXXX but was denied communication. At this point I disputed the charge on cashapp an was denied because of a fake tracking itinerary that they based there decisions on saying they fulfilled there obligations. I then broke it down along with sent copies of emails an reciepts an pointed out the fake info. On the receiving company XXXX there page states that if the bank statement does read XXXX then it's a fake acct. I then asked abt tracking, all it says is its been delivered to united states no port of entry no customs no shipping company change nothing about where it was delivered. Because it never has been is why. I submitted the dispute XXXX more times an all XXXX  times regardless of my proof cashapp denies. Again I explained to cashapp that my address isn't united states. All I want is my XXXX back. The seller has offered XXXX  % refund but I refuse to except it. I HAVE NOT RECEIVED MY PACKAGE SO IM NOT SETTLING. I have everything documented. I have uploaded XXXX different tracking itinerary but XXXX won't let It be uploaded
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (VT)

I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through LexisNexis. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and XXXX, XXXX will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD SERVICES XXXX
Consumer complaint received 2024-08-16
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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (AZ)

Monterey Financial Svcs, XXXX has attempted to collect an alleged debt for XXXX XXXX XXXX XXXX. This stems I assume from a contract signed in XXXXXXXX XXXX XXXX XXXXXXXX for access to reduced rates while booking vacations with various companies. XXXX XXXX was paid $ XXXX for the service and included a yearly fee. We had another contract with XXXX XXXX which Monterey Financial attempted to collect was setteled by XXXX, in XXXX XXXX. The main reason for the settlement was, we pointed out to XXXX XXXX, the signatures were forged and the contract was null and void in XXXX for violation of numerous XXXX Consumer Financial Laws, especially XXXX XXXX! >>>Rights can not be waived and the company waived our rights. 
This contract was null and void based on the same Laws of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX the contract must include a rescission as required by Law. This Contract does not have any rescission clause. The contract also has numerous violations of these Laws and the Official XXXX Standard XXXX XXXX. The Contract is null and void under various statutes XXXX XXXX, Adhesion Contracts, XXXX XXXX Quarter which renders it null and void due to omissions and inclusions. If necessary I can cite numerous articles from these Laws. 
We requested Monterey Fin provide a contract and they have refused. They have reported debt collection on all credit bureaus in the USA. We request immediate retraction of thse reports.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-07-10
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: EQUIFAX, INC. (GA)

These are not my accounts or inquiries Hello I'm a XXXX and I'm very busy. I have so many inquiries and collection accounts that doesn't belong to me I need them removed please. How can a collection agency put information on your credit and you never signed anything with them? This is all illegal. There's no names of these agencies. They talk very unprofessional. They cant proof this is mines. I contacted the three credit bureaus several times and no answer to a solution. They say its the collection agency the collection agency says its the credit bureau INQUIRIES XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX  XXXX  llDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXXDate of XXXX : XXXX Inquiry : XXXX XXXX XXXX XXXXXXXXDate of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX EQUIFAX XXXX : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX TRANSUNION XXXX : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXXXXXX, XXXX, VA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX  of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXtDate of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, GA XXXX | ( XXXX ) XXXX ACCOUNTS Balance {$450.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX {$560.00} XXXX XXXX : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX {$470.00} XXXX XXXX : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX : not available
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (ME)

Opened card in XXXX of this year with CITI. XXXX XXXX branded card. Have paid all bills in advance each month open. XXXX Valid checking accounts, both fully linked via XXXX service provider. Citi indicates these are not verified ( even though they have received and processed payments from both ). 

I tried calling Citi when out of country, they refused to do anything and fraud department was XXXX minute wait at {$0.00} cents a minute, no thank you. 

Citi has begun randomly declining purchases and even though I have made the signup bonus threshold amount many times over, are likely going to try to weasel out of the bonus miles/points. 

Citi refuses to close the account without me reading some number off a US Mailed letter and will not let me use the card until then, I am not home yet. They refuse to verify via text, via secure messages, via chat, only voice, and refuse to close the account. 
Citi is so far, the hardest and worst bank I have dealt with, having worked with XXXX, Amex, XXXX, and numerous others, who far surpass Citi 's ability to service their customers.