davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (NV)

After my card with US Direct Deposit was denying payment on my purchases, I called and was transferred to the Fraud department and told that they could not discuss it with me.

They asked me to email them documents to prove who I was and the clerk in the apartment emailed them my birth certificate, soc security card, medicare card, and expired drivers license, since I no longer drive. Being sent from the office of the apartment that they have as my address should have also confirmed that it was me. US Direct Deposit then cancelled my card. Since Direct Express would no longer respond when I entered the card number or my social security card, I mailed a request to transfer my balance of about {$40000.00} to a new account at XXXX. This has not been done. In the meantime, my rent is past due, I am in jeopardy of being evicted, I can not buy food. 
I need to know how to collect my money. 
There is a number to complain about US Direct Express, I called and complained twice, but did not resolve the problem.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions I have called XXXX bank many times about this Home Depot credit card. Ask them information about it. I submitted at dispute on here three times Citibank refuse. to call or give explanation or give information about this account I will have to take legal action against Citibank for fraud if it has been coming to this
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Due to XXXX XXXX XXXX XXXX XXXX 's ongoing felony fraud and felony hate crimes with respect to my accounts, specifically and particularly, my checking account... I have a late with Experian. The XXXX XXXX XXXXXXXX bank issued credit destroyed my credit by a 30 day late payment of XXXX dollars. Experian is notorious for disregarding Fair Credit Reporting Act with regards to my welfare. Consumer Financial Protection Bureau has previously intervened on my behalf against Experian directly on the phone with me. I need Consumer Financial Protection Bureau to order and command Experian to remove this illegal reporting of a late on my credit report.
Consumer complaint received 2024-07-28
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. (SC)

Dear XXXX : I, XXXX, the consumer and natural person, was denied credit by XXXX XXXX  when I applied as Co-signer for the Amount {$12000.00}. 
Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act which his codified in 15 U.S.C. 1691 ( c ) and is pursuant to Civil Liability under 15 U.S.C 1692 ( K ). 
You are subject to criminal liability for violating 15 U.S. C. 1691 as I have proof that I was discriminated against by XXXX XXXX  and this CONSUMER TRANSACTION, has negatively and harmfully impacted my CONSUMER CREDIT REPORT. 
XXXX XXXX  is in violation of 15 U.S. Code 1642 USC 1681 ( m ) and 12 CFR 1002.2 ( 2 ) ( z ) because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number /credit card was used and I received NO benefit from this consumer transaction. This is proof of fraudulent activity under 15 USC 1602 ( p ) [ unauthorized of credit card ] on be behalf of XXXX XXXX. 
If your XXXX XXXX  fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card and negative inquiry placed on all credit bureaus ; I will indeed make XXXX XXXX  criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ). 
" Without prejudice, All Natural Inalienable Rights Reserved '' ( UCC 1-308 } Thank-you, XXXXX ( Agent/Beneficiary )
Consumer complaint received 2024-09-06
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: U.S. BANCORP (NY)

I took XXXX car to airport XX/XX/XXXX, {$5.00}. 
It appears that there is another XXXX XX/XX/XXXX, {$5.00} which appears to be mistake or duplicate as I had only one ride XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (DC)

Funded My Citibank off my 401k Plan through XXXX, my funds were in my Citibank were good for days until XXXX XXXX  now when I try to log into my banking app I'm suddenly locked out! I haven't even received the debit card in the mail yet and my account is already locked. CITIBANK IS PURE THIEVES! THEY JUST LOCKED MY ACCOUNT FOR NO REASON NO EXPLANATION
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a regular {$97.00} charge on my account from my chiropractor. I pay this off every month in full. I was offered 0 % interest for XXXX months so I borrowed approximately {$10000.00}. I was charged the 5 % transaction fee and paid it in full the very first month. I have been paying my monthly payment plus my payment in full for all purchases. However, Citizens is now charging me interest on my purchases the moment they are made for every day until my statement comes, even though I pay the purchases off every month, because I have a 0 % credit balance. Therefore I can no longer use my credit card for purchases without getting charged interest because I chose to accept a 0 % offer. My understanding is this is against banking laws and regulations. I literally have no time to make a payment from the moment the purchase is made on my card without being force to pay interest. This credit card has been rendered useless as a credit card at this point. This has to be illegal. Citizens Bank charges me instantaneously interest on each purchase before I even get a statement knowing the charge on my account was made. This practice was never done prior to this year with any other credit card with 0 % interest balance transfer " loans ''.
Consumer complaint received 2024-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CNG HOLDINGS INC (PA)

This company XXXX XXXX XXXX  contacted me yesterday and today, claiming they are from an attorneys office. The woman I spoke with, claimed that they are going to garnish my wages from a past owed debt from four years ago. This woman had almost all of my personal information, including my drivers license number. I questioned how my wages could be garnished when we never went to court & she told me, we don't have to go to court to garnish your wages and told me if I didn't make the settlement payment, or make a payment plan, they would be contacting my employer for the wage detachment. I know this is incredibly inaccurate and told her so, as no creditor can do that without going to court, under federal law. I asked her to send it to me in writing what the debt was and the garnishment information. She said she would email it to me " as a courtesy '', another thing that struck me as odd, as they are required to send me the information by mail, as per federal law. I told her I wasn't paying anything until I seen the papers. They called me from this number ( XXXX ) XXXX. But the person I spoke with on the phone said her direct number is ( XXXX ) XXXX. She told me if I didn't make a payment within 3 hours, my employer would be notified. It was scary how legitimate she sounded. 
They said they were collecting on a debt from Tempo LLC from XXXX, which is also 4 years old. I live in the state of XXXX  and the statute of limitations has run out.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/year>2024, I discovered that my Chase account had been closed without any prior notice. I immediately called Chase customer service, and they assured me that the funds from my account would be returned within 10 business days after the account closure. All of my savings are in that account, which has created a difficult financial situation for me, as I am unable to pay my day to day living expense without access to these funds. 

On XX/XX/year>2024, Chase closed my account, again without any email or call notification, and I received a notification letter via mail on XX/XX/XXXX, informing me that my account had been officially closed. By this time, however, the account was already closed. 

My account summary from Chase received on XX/XX/XXXX shows that on XX/XX/year>2024, {$19000.00} was already drafted from my checking account and {$10000.00} from my savings account. I did not authorize these transactions, and despite the earlier promise, I have not received the funds back.
Consumer complaint received 2024-07-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Subject : Macys Star Rewards Platinum Account XXXX XXXX XXXX XXXXXXXX XXXX Notice of Changes to Macys Credit Card Account Terms ( XX/XX/year> ) Gentlemen, Congratulations!!! During a period when Macys has been complaining that weakening sales is responsible for the need to close stores nationwide, you have found it beneficial to improve revenues by further increasing finance charges to credit customers in the current inflationary environment!! 

I have so enjoyed my customer relationship with Macys stores over many years that I never noticed the exorbitant APR on my credit account until your recent further increase to 34.95 %!

I have made regular purchases over the years of jewelry, clothing and perfume products form Macys. Had I exercised proper due diligence, I would have noticed much earlier the already excessively high 31.49 % APR on my Platinum credit account ( {$3000.00} limit ). The recent APR increase notice brings attention to Macys policy of fleecing its best customers.

Perhaps this lack of concern for your customers helps to explain the companys current financial difficulties which may lead to it its movement into the dustpan of history. 

With regret, I find it necessary payoff the balance owing on my account and ask that you close the account immediately. I certainly believe that I can find other retailers with more fair customer policies and practices.
Consumer complaint received 2024-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance is reporting this account incorrectly. They failed to disclose matter facts related to the issuance of this contract which prompt me to file action against them. This matter has been taken up with the XXXX XXXX XXXX and Flagship Credit Acceptance should cease from reporting this account until a resolution is reached.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CA)

I've had nothing but problems with Current Bank and their checking card. Fraudulent transactions attempted against my account almost every week. Today someone attempted to use a fake card for their XXXX purchase which was denied, however even after advising Current that this was not me, they allowed the fradulent party to access {$100.00} cash from my account at the same location. I have filed yet another dispute in hopes that I would receive my money so I can close this account. They need to be internally investigated. I believe their staff is making fake cards with our numbers and using them in stores and at ATMs, then denying our disputes. I need outside help.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (TX)

I signed up for the optional loss and damage liability waiver which covers damage due to natural disasters. I called because my lease ( a XXXX XXXX was damaged due to a power surge ) from a severe storm. It's clearly covered in the contract but when I called I was told that I needed to bring it to a local company to have it examined and get an estimate for repairs. In my contract it doesn't state anywhere that I don't have to bring my items for estimates ( which will cost money ). My husband is an it professional and does know how to tell when a XXXX XXXX is bad as well. I offered to send the item to them to evaluate because you can't take pictures of a power surge but they said that would count as a return. So it was a lot of run around :
Consumer complaint received 2024-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (IL)

I am writing to file a formal complaint against Marcus by Goldman Sachs for their arbitrary and

unjustifiable actions in locking my account and their subsequent inadequate customer service. On XXXX XXXX, 2024, I attempted
to log in to the Marcus by Goldman Sachs app to manage my account, only to be met with a message stating that my account was temporarily locked. The app instructed me to call their support number to resolve the issue. I had done nothing wrong with my account, so I was confused and frustrated as to why it was arbitrarily locked.

Upon calling their support number, I was informed that my account could not be verified because the name associated with my phone number did not match the name on my account. This is an unacceptable reason for locking an account, especially considering that many individuals, like myself, are on family plans where the primary account holder 's name might differ from the individual users.

Despite providing all necessary information, including my full name, Social Security number, date of birth, and even my secret phrase, Marcus by Goldman Sachs still failed to verify my identity. Instead, I have been subjected to a continuous cycle of frustrating and unproductive interactions with their customer service.

I have received multiple emails instructing me to call their support number, only to be disconnected repeatedly before reaching a representative capable of assisting me. When I finally managed to speak with a representative on XXXX XXXX, 2024, I was asked to provide the bank account number I used to transfer funds into my Marcus account. Despite giving the correct information, the representative still could not verify my identity and insisted on creating yet another case to consult their so-called specialists for further verification.

This entire process has been nothing short of a nightmare. The lack of coordination, the repeated need to re-verify my identity despite having provided all necessary information, and the constant disconnections have caused significant stress and inconvenience. Most importantly, I do not have access to the funds in my account that I need, which has severely impacted my ability to manage my finances and meet my obligations.

As a consumer, I expect a financial institution to handle my account with care and provide competent customer service. Marcus by Goldman Sachs has failed on both counts. Their arbitrary account lock, compounded by their inadequate verification process and poor customer service, has caused undue hardship and inconvenience.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/24 I tried to make a purchase and my Chase debit card was declined. After checking my online account I saw that unauthorized charge was made on my account in the amount of XXXX by XXXX XXXX. I called the bank immediately to advise this was a fraudulent charge at that time the funds were put back into my account. On XX/XX/24 my account became overdrawn after checking why Chase decided to reverse charges from my fraudulent claim stating after review of transaction they found that my card was used with pin and they decided I owe the money. I advised numerous times that we did not make this purchase, the merchant in question does not exist I could not find any information online about this merchant to call and dispute directly with them. I asked Chase did they have any other details they could provide me about purchase, about the merchant to help me get my money back and each time they refused to provide any assistance. All they want to do is tell me I made the charge. Finally I spoke to a manager by the name of XXXX, during our conversation she told me that at the time of the so called purchase they attempted using sliding the card over 8 times before being successful. At no time has Chase send any alerts to warn me of this purchase, nor did they block all the attempts from a unknown merchant or even my card being slide over and over. While speaking with XXXX she decided to help me remove a lot of digital wallets that my card was stored in, stated she will try to push this claim along again to have it looked at again considering the information she saw where the card was being used or how many attempts was made during transaction. My problem is, at the time she found this information the money should have been put back into my account immediately, which I still have a negative balance as of today which will start to accrue fees, my money was stolen from me and Chase is holding me responsible each representative I spoke with kept accusing me of making purchase or i allowed someone to use my card etc. I would like for chase to give me my funds and remove any associated fees, I have never had any problems in the past like this, I have never used XXXX XXXX  and never had any issues being overdrawn while being a customer with Chase and that alone should speak volumes. At this point they are calling me a liar, after speaking with XXXX it's clear that the merchant doesn't exist, and the amount of attempts made on this transaction Chase failed to protect me and now they refuse to help me.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

i have no knowledge of this account. It was fraudulently obtained without my knowledge. management are liars and commit fraud to get full capacity at their property. I have attempted to contact them and they refuse to speak to me. It has had different managers who all pretend to know nothing. I have attempted multiple times to get this corrected due to identity theft. debt was sold and they have been unable to provide me proof of wet ink signed lease. physical footage of me in the office.
Consumer complaint received 2024-07-11
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: Marlette Funding, LLC (OH)

According to the FDCPA, it prohibits abusive, deceptive, and unfair practices in debt collection. Under 15 USC 1666b, a billing error includes situations where a consumer did not receive a statement at least 21 days before a late payment error occurred. According to 15 USC 1605 ( a ), if a finance charge is included in a billing statement, late payments can not be penalized if the finance charge represents the total of all charges, ensuring that consumers are not penalized for amounts already paid in full.
Consumer complaint received 2024-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (OR)

I had a debt from XXXXXXXX XXXX XXXX XXXXXXXX which I had paid. I asked the debt collection company to send me proof that I owed the debt. They said it was sent but it never was. 

I called XXXX XXXX XXXX XXXXXXXX directly and they told me that my payment didn't actually cover the total cost after insurance and the debt was valid. XXXX said they did not have a way to collect the payment and that I needed to call the debt collection company they sold the debt to. 

I called Harris & Harris to pay off the debt and I paid it off. I asked them to send me a receipt showing I paid the debt. They told me in 30 days I can call in and ask for them to email me a receipt. Any business that you pay should be sending you a receipt and it should be available via paper, and I should not have to wait 30 days and then have to call back in and ask for it. I strongly feel that this is fraudulent/predatory behavior on behalf of the debt collection company.