davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (MS)

I am a XXXX vet my medical bills are covered by the va due to my medical percentage I got notification that Pioneer credit is attempting to collect on a medical debt that i do not owe I never got a bill due to my XXXX percentage my medical bills are completely covered I have never gotten any bills from the va for {$960.00} my medical bills are all covered by my Medicare this is a mistake and this bill needs to be returned back to the va to correct due to their error a XXXX veteran medical  bills and meds are covered by the Va this is an error.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

My account was wrongfully restricted on XX/XX/year>. I have called the bank several times just to be given no information. I recieved an email on XX/XX/year> saying that they were closing my account within 30-60 days and all my cards and accounts became restricted. I was specifically told no deposits will be able to go into the account and since my direct deposit was processed on the same day it went through to Citi bank. This is my only checking of count where all my money goes into and Citi bank is not trying to give me any information as to why this has happened. I have access to no money, I have rent due, car note, I cant buy food, and XXXX XXXX XXXX XXXX XXXX XXXXt but no one seems to care at Citi bank. I have been a very loyal customer since day one. I have a little over {$900.00} in this account and over $ XXXX in my savings account that I can not access now. I keep getting transferred and hung up on every time I call Citi bank. I can confirm every single transaction in my account. I have even attached a copy of the direct deposit that went into the account from my XXXX.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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. (OH)

I received a letter from Chase/Amazon regarding some transactions on a credit card. I do not have a credit card through them and never applied for one. Someone else must have gotten a credit card in my name. I called Chase immediately and froze the card and called XXXX and put an alert on my credit for 12 months.
Consumer complaint received 2023-10-30
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : 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 2024-09-25
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (OR)

A few months ago, I filed a complaint against Goldman Sachs. Shortly after, they closed my account without my consent. Prior to the account closure, my Apple Card was charged multiple times by various merchants, even though I only authorized the initial transaction. They reactivated the disputes, and I paid all of them and paid off my balance. 

I had ongoing disputes on my account that I was unaware of, and they did not notify me about them. After my account was closed, two disputes were reactivated, and since I wasnt checking the closed account, I incurred late fees. Additionally, they reported a negative XXXXpoint score on my credit without attempting to contact me or send a notification.
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to demand the immediate removal of inaccurate and unverified negative items on my credit report. I have disputed these items in previous correspondence under the Fair Credit Reporting Act ( FCRA ) 611, yet no valid investigation has been conducted, and these inaccurate collections continue to be reported. All the listed accounts are unrecognizable and invalid.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

My account was wrongfully restricted on XX/XX/year>. I have called the bank several times just to be given no information. I recieved an email on XX/XX/year> saying that they were closing my account within 30-60 days and all my cards and accounts became restricted. I was specifically told no deposits will be able to go into the account and since my direct deposit was processed on the same day it went through to Citi bank. This is my only checking of count where all my money goes into and Citi bank is not trying to give me any information as to why this has happened. I have access to no money, I have rent due, car note, I cant buy food, and XXXX XXXX XXXX XXXX XXXX XXXX but no one seems to care at Citi bank. I have been a very loyal customer since day one. I have {$20000.00} in my savings account that I can not access now. I keep getting transferred and hung up on every time I call Citi bank. I can confirm every single transaction in my account. I have even attached a copy of the direct deposit that went into the account from my XXXX.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TN)

Well I transferred XXXX dollars from my XXXX  account to cash app. I wasnt able to use it on cash app so I sent back to XXXX  account The money was never put back in my XXXX  account. I work hard for the little or no money I get and this wasnt right. I feel they took it.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I reviewed my Consumer Reports and noticed that I had three late payments on the account with XXXX, account # XXXX. I was never late for these payments, and Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-25
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)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX {$5600.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX  {$5100.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$3800.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX  {$2500.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$2400.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Consumer complaint received 2024-10-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

XXXX XXXX, sold me a plan for service on XX/XX/year> confirmation. The monthly payment was to be {$52.00}. XXXX XXXX determined I needed more data and upt the amount without my authority. I contacted XXXX XXXX and opted out of the plan. On XX/XX/year> I again contacted XXXX XXXX. I have filed a couple of complaints with the XXXX with all the attachments. Complaint XXXX XXXX # : XXXX. I was advised to file another complaint with this entity and with the FTC, I intend to do so. 

XXXX XXXX has insisted on collecting money I do not owe and has harassed me via telephone, US mail and email and made negative reports to all three credit companies. They have sent my account to a collection entity. I have reached out the the collection entity but have not heard back from them.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

I submitted request for fund transfer from my account with HSAbank on XX/XX/year> to XXXX HSA. the account balance was $ XXXX online portal reflected a XXXX balance on XX/XX/XXXX. As of XX/XX/XXXX the funds have not been received by XXXX. I called XXXX to ask what the issue was. They stated that the request had been submitted on their end, but the funds had not been delivered. They also contacted me On XX/XX/XXXX to notify me there was an issue with HSABank failing to respond. I called the HSA Bank twice and was told the transaction was in process. XX/XX/XXXX Called HSABank again and was told it was in process, but representative would not elaborate. I requested to speak with a supervisor, but was denied. The representative told me " it all looks very good ''. I told her that was not a satisfactory answer. I was then told thank you very much, just be patient. The call ended.
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: BMO Bank, N.A. (CA)

I called when I first noticed this when I was going through identity theft and looking at all my reports. I noticed this fraudulent account from Bank of the West, now known as XXXX. Ill post a screenshot of what is on my XXXX and what I see. 
I have contacted them for the past 2 months trying to get this account disputed, closed, and taken off my XXXX with no luck. I go into the branch with my social security card and ID and they find a profile but cant find an account. So they give me a fraud number to call XXXX and a collections number to call XXXX. None of those numbers were any help. They tell me the exact same thing. No one can find the account under my socail security number adn they can no loneger be of help. To go into a branch. How ironic. The branch tells me to call, customer support tells me to go into a branch. I have spent countless hours on the phone. Literal hours. I'm done getting led around like a chicken with his head cut off. I need this account disputed and taken off now before I seek legal help. This is ridiuclous. Other banks had an easy dispute process and are already taken off due to fraud. This is the only bank giving me issues to even find the account t to start the dispute.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have recently been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I am a cashapp card holder. I have a business account with them cash app is allowing XXXX XXXX to make double authorization charges on my account meaning double charges they told me that they allowed XXXX XXXX  to force a double payment on my account which led it to a negative balance then told me that its nothing they can do and I have to wait ten days for it to fall off this is insane every customer representative I have spoken to was rude and basically told me thats it is what it is and they cant do anything about this problem they even hung up the phone on me multiple times when I called to address this issue.this is illegal what they are doing allowing merchants to force double payments on customers accounts cash app has poor customer service and they a robbing customers or at least helping or assisting merchants such as apple cash and others to pull this illegal move
Consumer complaint received 2024-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I previously had two private loans with Navient Corporation. The loans were originated at XXXX XXXX which I attended between XXXX. 

In XXXX of 2024, I applied for Navient 's " School Misconduct '' loan discharge. I stated in detail how my school pressured me to enroll/ to make loan-related decisions without giving me enough time to review the relevant documents. 

And, that my school took unreasonable advantage of my lack of knowledge about higher education/ financial aid to pressure me into enrolling or taking out loans to attend school. 

On XX/XX/2024, I received notification from Navient Corporation that my " School Misconduct '' application was approved.

As a result, my private loans with Navient were discharged and the trade lines of those loans were deleted from my credit reports. 

I then followed-up with XXXX XXXX XXXX Navient 's Customer Advocate ( XXXX XXXX XXXX  ) and requested the return of all money ( a total of {$22000.00} ) paid to them as a result of my school 's misconduct. 

Navient stated they will not be issuing any refund to me.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank paid two checks that were apparently " washed '' and cashed at a branch other than mine. Chase reimbursed me for one of the checks, which was in the amount of {$2400.00}. The other check, which was paid to the order of the same person, in the amount of {$4400.00}, has not been refunded by my bank. The date and check number follow : Ck # XXXX {$4400.00} Paid to XXXX XXXX on XX/XX/24 I contacted and filed a claim with the claims department on XX/XX/24. When no action had been taken by XX/XX/24 I went into my branch and filled out the Unauthorized Signature or Forged Item Declaration. I was told that they would investigate and I should have the money refunded within a week. That was three weeks ago. I continue following up and they keep prolonging the date to refund saying they need more time to investigate. This whole fiasco started seven weeks ago.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

Subject : Request for Reinstatement of Account since XXXX and Refund of Cashback Dollars Dear American Express Customer Service, I am writing to express my concern regarding the cancellation of my American Express XXXX XXXX account ( ending in XXXX ) with membership since XXXX and to request the reinstatement of my account along with the return of my unredeemed cashback dollars totaling {$96.00}. 

On XX/XX/XXXX, upon reviewing my credit report, I discovered that my account had been canceled due to inactivity. I immediately contacted your hotline at XXXX and was informed by XXXX  XXXX that a case ( # XXXX ) would be opened to reinstate my account as I had not received any prior notification via mail and had missed the XX/XX/XXXX reminder email. I was under the impression that an exception would be made, and my account would be reinstated. 

However, on XX/XX/XXXX, upon following up, Supervisor XXXX ( XXXX : XXXX ) informed me that my case had been rejected and there was no possibility of reinstating my account or refunding the {$96.00} cashback dollars I had not redeemed. I was also informed that I had previously been given incorrect information and should have been notified of the denial immediately. 

Given these circumstances, I respectfully request a reconsideration of my case, taking into account the lack of proper notification and the incorrect information provided by your representatives. I believe that reinstating my account since XXXX and refunding the unredeemed {$96.00} cashback dollars would be a fair resolution to this matter. 

Thank you for your understanding and prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

A fraudulent checking account was opened in my name on XX/XX/year>XXXX  with Chase bank. I received 3 emails, one alerting me that I have opened an account, the next telling me a new device as been used to access the account, and a third telling me that my email address has been changed. 

I immediately contacted Chase about the incident and they have put a freeze on the 'account '. According to them, not transactions have occurred, but they did confirm that my Name, Address, and Social Security number had been used to set up this account. 

I can provide emails and any other information as needed.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AK)

I am writing to file a complaint regarding Cash Apps failure to adequately address a fraudulent account that was opened in my name using my stolen Social Security Number ( SSN ). After discovering the fraud, I contacted Cash App and requested that they block my SSN to prevent any further unauthorized accounts from being opened in my name. 

As part of their verification process, Cash App requested that I send a selfie with my passport to prove my identity. I complied and sent the required documents. However, they later informed me that the format was incorrect and asked me to resend the information, which I did. After resending the requested documents, I followed up to ensure they received my submission, but Cash App has failed to reply or confirm receipt. Their lack of cooperation and communication has made it extremely difficult to resolve the issue. 

Despite multiple attempts to work with them to protect my personal information, Cash App has been unresponsive, and I am left vulnerable to further identity theft and financial fraud. 

Case Number : XXXX