davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CO)

This complaint is written & submitted on XX/XX/year>. 

I booked a hotel through Chase XXXX to a hotel called XXXX XXXX XXXX for XXXX XXXX XXXX. I made the booking on XX/XX/year> at a cost of {$180.00}. I booked a XXXX XXXX flight, also via Chase XXXX, on XX/XX/year> for {$150.00}. 

I learned on XX/XX/year> that the XXXX XXXX XXXX does not exist. It is not listed on its parent company 's website XXXX XXXX XXXX XXXX XXXX nor can it be booked through any other third-party booking service. 

Chase XXXX allowed me to book travel to a country the State Department considers a level XXXX travel risk ( https : //travel.state.govXXXX XXXX for a hotel that does not exist. They did not inform me that the hotel doesn't exist and their carelessness would have put me in danger should I have continued to with my trip. 

I have spoken with customer service representatives from Chase XXXX and Chase Bank each business day between XX/XX/XXXX & XX/XX/year> over the phone. I notified them of the issue and requested that they cancel my bookings and refund my payments. They have not communicated to me via email, so I do not have record of these conversations. They did record the conversations as representatives have told me they referenced recordings when looking up the details of my case. 

At the time of writing, Chase XXXX and Chase Bank have not issued refunds for {$150.00} and {$180.00} to reimburse the cost of the trip. The hotel stay would have been impossible due to the hotel 's nonexistence. I did not trust Chase to re-book a hotel because of their carelessness, and therefore requested to be refunded for the flight as well.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (WY)

Transferwise Account notified that they are deactivating my account due to risk tolerance. I've ensured and provided all documents which are confirming that the funds were transferred within the policy the funds are transferred from XXXX, and this is within policy. 

XXXX XXXX XXXX XXXX - receiving payouts from e-commerce and freelancer platforms ; Which is the policy I have been using and my funds are stuck within Wise and their isn't any response on the appeal they've requested to be filed. I've been following up and I keep on getting notified that I am going to get a review in 24-48 hours and nothing is done. And they aren't even transferring my funds to my bank account which is making me stress even further.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SECURITY FINANCE CORP (FL)

The closed account of PROFESSIONAL FINANCIAL SER which is reported in credit karma is stated as a auto loan and it was a credit sale. This is a credit sale discrepancy, with this error this is a violation and needs to be removed.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (MI)

AARGON Agency has choose to continue reporting an invalid debt even while debt was immediately disputed. Attached you will see both of my ID from the last decade and see how neither match address AARGON is stating they have verified. Even with information AARGON has continued reporting damaging information to credit companies. AARGON also never at any sent any notice of collections. THIS IS NOT A VALIDATION OF DEBT. This is proof company has falsely reported bot debt and statement that they notified me of debt.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Hi there, I had over XXXX unauthorized transactions relating to my cash app linked to my bank account. When I contacted my bank last week on Wednesday ( XX/XX/year> ) regarding those transactions I was told that I had to wait a few days for my provisional credit. Fast forward to today I was called by my bank and was told I was denied because there wasnt enough evidence provided for my transactions. 

I did note to them that I had a few people over at my apartment and they XXXX had access although I have XXXX proof because it has happened over time. XXXX have been my XXXX girlfriend. I also asked if my XXXX  may have been compromised. 

I made a claim with cashapp the same day I made a claim with my bank. 

What is the best way to move from this?
Consumer complaint received 2024-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TN)

My name is XXXX XXXX and I'm a XXXX XXXX  currently studying in the XXXX. I am writing to formally lodge a complaint regarding my savings account with Marcus by Goldman Sachs, which has been frozen for an extended period. As a foreign student studying in the United States, I rely heavily on the funds in this account to pay my tuition fees and cover living expenses. My Social Security XXXX ( XXXX ) ends with XXXX, and I have approximately {$16000.00} deposited in this account. Recently, when attempting to pay my tuition fees, the transaction failed, and subsequently, my account was frozen. Upon contacting customer service, I was informed that identity verification was required. Specifically, I was asked to provide a driver 's license, which I do not possess as a foreign student. Instead, it was agreed that a case would be set up to verify my phone number ( XXXX ). I have patiently waited for over seven business days, only to receive the same response from customer service stating that they are unable to verify that the phone number is under my name. Now I come back to XXXX and called them to verify my phone number again. However, they still said my phone can not be verified and gave me no reason for that. 
This has resulted in a frustrating and seemingly endless loop with no resolution in sight. Given the urgent nature of my financial needs and the lack of progress in resolving this matter, I am requesting the immediate unfreezing and closure of my account. I expect the full balance to be returned to me promptly. The bank must give me a way to verify the account or my money can never be retrieved. 
Please consider this matter with the utmost urgency and provide a resolution at your earliest convenience. If further verification is required, I am willing to provide alternative forms of identification or documentation that are acceptable within your verification policies.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I was charged {$300.00} for a gift card from vendor XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> with no expiration date. The business closed with no explanation or forewarning and won't give any refunds for the gift card. This is fraud and Chase should be able to do a chargeback. I put in a dispute with them on XXXX but they closed it and said that too much time as passed and the merchant is not willing to give a credit. Chase should charge them back either way since they are no longer giving what was promised.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

In late XXXX my brother XXXX XXXX received a check for XXXX from XXXX treasury. He is currently XXXX in the XXXX I have power of attorney to handle any financial matters on his behalf. When check was recieved I called the branch where i bank and spoke to XXXX XXXX. I asked him which was the best way to deposit into my account. I informed him i have power of attorney and should i just add my brother as signer? He informed me that would take a few days but instead i could just expedite the check to my brother, have him sign it. Then i bring the check to the branch and sign it and that would be ok in lieu of poa. So this is the route I took. I deposited the check. There was a 7 day hold, which was fine, 6 days later I get email alert saying my account is restricted. I call the risk dept. They in turn tell me my brother needs to verify the check by phone with a verifiable phone number which is fine. I provided my brothers number, the risk dept says it was not verified in their system XXXX. My brother proceeded to get a new phone with a new carrier to get this resolved, neither of these numbers are coming up as verified, which makes no sense. because both numbers are his. In mean time I am calling the risk dept and visiting the branch daily to try to understand a resolution for this. I spoke with many supervisors and was advised by XXXXXXXX XXXX XXXXXXXX that i can go into the branch and have the banker upload the poa. It would suffice, and they would forward it to the legal dept, the legal dept would verify it, then relay the message to the banker, then the banker would relay the message to the risk dept to lift the hold. I went to the branch and XXXX uploaded the XXXX, and said it was a XXXX hour turn around time to get this resolved, XXXX hours pass, i call back to risk dept, they say the papers were not uploaded correctly. I have to go back to the branch and have XXXX XXXX again. XXXX hours go pass. the risk dept says there still is no update from banker. I go back into the branch and XXXX now says the legal dept doesnt know what to do with the forms and now needs to escalate to branch operations, meanwhile I am calling and supervisors in risk dept and they are saying that poa just needs to go to the legal dept at the branch level. A few supervisors even tried reaching out to XXXX, I eventually have to go back to branch to get a status upadte and now XXXX tells me branch operations wont accept the forms because its out of their scope?? The numbers still are not being verified in the system. I am consumed with this, and now my account is closed, our rent and bills are behind, and this has been a wild goose chase with no resolve. I have been given the wrong information from bankers, supervisors, the branch mgr s and employees made me feel like I was bothersome because I was trying to get this resolved. It just makes no sense at all and a month later I am still in the same place as before this is ridiculous. I would like a resolution
Consumer complaint received 2024-08-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (AL)

I submitted disputes for unauthorize transactions on my account. My disputes were immediately ( within 30 minutes, not enough time to even read the documentation I provided ) and my account was permanently closed. Further, I am banned from ever having another cashapp account. I have asked support numerous times for information on how I can appeal these decisions and I received an automated response that the decisions were final and I could not appeal any decisions. Even when I requested to use the binding arbitration clause in their XXXX  to have a third party review, my request was denied without any explanation or recourse.
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Every year since the pandemic I have been getting different collections on my credit report from XXXX and XXXX It has been 3 different collection agencies in the past XXXX XXXX reporting that I owe XXXX {$1600.00} and XXXX {$580.00} I have never had XXXX or XXXX in my life. Every year I have to call XXXX, XXXX and XXXX about these collections and it will get removed and the next year another collection company buys it and put it back on my credit report, And Im tired of having to dispute these collections every year.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC. (FL)

Sofi decreased my credit limit due to my credit score dropping to XXXX. I called Sofi and was told they would request a higher limit. I called Sofi again and requested where they got the XXXX  credit score from. They replied with XXXX which turned out to be false. They then correctly said it came directly from XXXX XXXXXXXX XXXX 

I was told by Sofi to call XXXX. I managed to get in contact with a XXXX rep who said Sofi 's credit score number is fraudulent and to report it to FTC or CFPB. 

By lowering my credit limit, my credit usage has gone up which will affect my credit score. SoFi refuses to do anything about their fraudulent reporting which is hurting my credit score.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2024 I went to a atm to take out money. My bank is with Wells Fargo and this was while I was traveling in XXXX. This atm was in a local XXXX. I prompted the atm to withdraw XXXX U.S. dollars converted to XXXX dollars, but because I did not like the exchange rate provided by this specific atm, I hit cancel on the transaction, waited for my card to be returned, did not see any money be dispensed, and proceeded to withdraw from a different bank atm with a better exchange rate. This can be seen on my account. The described canceled transaction was pending on my account for a while before eventually being posted, despite me canceling the transaction. 

Wells Fargo said they have investigated and said all signs show that the atm dispensed money despite me hitting cancel and walking away with no money. This does not make any sense since I vividly remember hitting cancel on the transaction and I had zero intent on withdrawing money from that specific atm. All I know is that if the atm truly did dispense money then it was not an authorized transaction performed by me.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (IL)

On XX/XX/XXXX I deposited my check via mobile deposit. The money was suppose to be made available over the weekend. It wasnt. When I tried calling the bank, the representative refused to do her job and made my life quite difficult. She said, your funds arent available. I stated they have already cleared the clearing house and should have been deposited. For over an hour she refused to answer basic questions. Then Sunday I messaged the bank again about my fund being withheld. They told me to wait until Monday. Its now Monday and my funds arent available. This is flat out theft and its not the only time Ive had issues with Axos Bank. This is a reoccurring issue and its insanity. They are also in violation of banking regulation 225, regarding releasing {$220.00} immediately when you deposit a check.
Consumer complaint received 2023-06-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (IL)

Great Lakes ' transfer of student loans to Nelnet is resulting in borrowers ' credit scores to be negatively impacted, including my own. I received a credit alert from XXXX this afternoon stating my credit score dropped after the original Great Lakes loan went from its full balance down to {$0.00}. I anticipate the other two major bureaus to report similarly and also result in score drops. In addition, based on the way loans are handled on credit reports, I anticipate additional damage due to the new Nelnet loan being added. The executive director of the XXXX  stated the Department of Education provided guidance to servicers on how to handle loans to prevent any negative impact to credit reports. This guidance was to only change the name of the servicer. This obviously is not how this was handled. In addition, multiple borrowers have posted online about similar experiences with these changes costing anywhere from 50 to 100 point drops in credit scores. As someone attempting to purchase a home in an already difficult interest rate environment, this is completely unacceptable.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Two months ago, Venmo took money, overdrafting me, from my bank when I had a balance ( at least 2x ). 

I thought it was my fault until a later phone call disclosed venmo update changed settings and authorizations. 

I notified my credit union, who did nothing, and tickets still shows under review. 2x Early XXXX, it happened again this time to my XXXX  account 3x. This is when I contacted venmo and was guided to a hidden setting under businesses, that authorized payments to specific vendors ( XXXX ) to bypass user authorized app settings for payments. No compensation, was told you had access to the setting thanks for calling, glad we could assist you today, is there anything else? 

Just got notification of 3x more, overdrafting my XXXX account for at least 3x more as they separate the payments from the tips so a {$10.00} purchase just cost {$100.00}. 

I have disabled the venmo, but would like restitution as I'm on a fixed income and this is egregious.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (NE)

XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your reply still does not address the crux of multiple issues with Elan Financial Services, which is your total lack of Customer responsiveness!! 

Your website, XXXX, offers no way to ask for additional information concerning your multiple emails, text messages, and phone calls without leaving any message. I have logged on several times without finding any information about reducing interest rate and payments as mentioned in your multiple text messages. 

In addition to multiple text messages demanding payment without explanation beginning XX/XX/XXXX, your began sending text messages on XX/XX/XXXX about lowering interest rate, to which I responded on XX/XX/XXXX at XXXX AM following XXXX and you bounced the message. Due to your poor customer service and lack of online access to what you reference in your emails, I have not wasted my time again responding to your XX/XX/XXXX, XXXX, XXXX, XXXX or XXXX text messages, since they go nowhere and your refuse to respond. 

As previously requested, please provide details in writing about your alleged offer to reduce interest rate and monthly payment to which you ( Elan ) have refused to respond. 

Additionally, please provide a complete list of rating websites where I can document for potential future Elan customers your poor customer service and total lack of responsiveness to customers.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last known amount XXXX source of funds SBA Date of XXXX XXXX XX/XX/XXXX account balance XXXX USD Company in question is Citibank. 
My account was deactivated after i received my sba loan on the XXXX, and i have struggled to get it back online. 
After the deposit was made Citibank decided to deactivate it and I have not been allowed back into my account and
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX