davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

I have contacted Jefferson Capital Systems Collections and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account XXXX is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/2023. The date is completely wrong, because I signed up for ZERO new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

I deposited three checks from the XXXX treasury into my Chime account. Dates deposited and amounts below : XXXX XXXX XXXX : {$990.00} XXXXXXXX XXXX XXXX  : {$750.00} XXXX XXXX XXXX : {$1200.00} I used mobile deposit. I received a notification that it would take five business days to receive the money, even though I read that government funds are supposed to be made available within one or two business days. As of this morning, Friday XXXX. XXXXXXXX XXXX I still have not received the first payment. I believe Chime is unfairly withholding the payment.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act US BANKRUPTCY COURT CA LA ACCOUNT # XXXX & ACCOUNT # XXXX, have violated my rights. 

15 u.s.c 1681 section 602 a. states I have the right to privacy. 

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-07-19
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: General Motors Financial Company, Inc. (GA)

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (MS)

I called the company and the agent would not give me any information after I told the agent that the account is in my name but it is not me. I requested to speak to the loan officer who worked up the account and requested the documents that allowed a person to get an account in someone else name. They hung up and never answered. I demanded for the information to be taken off of my credit report because its not mine or I would contact the credit reporting agency. They have not answered since. I havent had a mortgage in over 15 years I own the home I live in so I dont know why I would seek to get another. I am very livid with this company business practice because they cant produce any valid information to me but its suppose to be my account. Thats why I know that this is fraud and a very fraudulent company who have disgusting business practice!
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MI)

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX , Radius Global solution and I dont know over 60 or 70 inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX XXXX and also the XXXX XXXX XXXX My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.14XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CT)

On XX/XX/XXXX, I received an email from Marcus at Goldman Sachs requesting me to call their helpline number. Since I was busy with personal matters, I called back on XX/XX/XXXX and learned that my account was restricted because of " security reasons ''. The fraud team was unable to send a one-time verification code to my phone number because my phone number shows as inactive on the third-party database that is used by Marcus for identity verification XXXX Note that, when I log into marcus.com, I am able to receive a one-time code on the same number. 

I ask if there are other ways I can be verified, for example via email, a video call with my holding my passport, confirming my SSN, and a myriad other ways that are typical across the industry. Apparently, the only way to un-restrict my account was to mail in a notarized Affidavit of Identity ( " XXXX '' ) form to the XXXX XXXX XXXX in XXXX. I inform the team that I am currently overseas and will be for the next two years because I am studying abroad. They confirm that as long as I can have the AOI notarized and mailed to them, that it should not be an issue. 

I do so, and confirm by calling the helpline that the AOI was received by the relevant team on XX/XX/year> and that the review process typically takes 3-7 business days. I ask to expedite the process and they say that they will review my case and provide a resolution between 1-3 business days. On XX/XX/year>, I called the helpline and spoke to a supervisor so that I could get an update on my case. The supervisor ( named XXXX ), informed me that my AOI was not approved because it was notarized outside the US. She walks me through the policy and opens a case on my behalf to close my Online Savings Account since I will be living outside the US for an extended period of time. I call back on XX/XX/year>, and this time speak to another supervisor ( named XXXX ) who informs me that the AOI review is still pending and that I could expect a response by XX/XX/year> and that I should call back on XX/XX/year>. 

This highlights the gross incompetence prevalent at Marcus by Goldman Sachs. There are cases where supervisors are providing me with incorrect information, and at the same time freezing my assets for a reason that is inexplicable. Further, there are no alternative identity verification processes available to them.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

On XX/XX/24 I received an email saying my Chime accounts all had been closed. When I called Chime, they said they couldnt tell me why because it was for my protection. I had to talk to someone overseas I couldnt understand. I finally got an email saying a check would be sent to me via mail with the money that was in my account. I still have not received anything and when I emailed Chime yesterday, they sent me a canned response and I got more emails saying my account was closed yesterday. I have all of the emails and would be happy to provide them to you for more detailed documentation. I see there is a way for me to attach documents here, but is there an email I can simply forward them to?
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (FL)

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 accounts ( A ). It is not permitted to report these accounts 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
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KS)

My issue is with chime banking. On multiple occasions my accounts were accused and transactions were made that I did not authorize. On multiple occasions I have filed a dispute with chime with the disputes being investigated and denied within a 24-72 hour window for the investigation. The most recent investigation was roughly 72 hours and I had went to the stores where my stolen card was used at and all the business had camera footage of the 2 men who stole my chime credit card and they had agreed to save for this investigation. Once again my claim was denied and it was found that no error occurred with the transaction. I reached out to chime and they can not even allow me to talk to the investigation department to see what they investigated because it wasn't .y disputed transactions.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TN)

I am writing to file a complaint against Goldman Sachs regarding the unjustified closure of my Apple Card account. On XX/XX/year>, I received a notification that my Apple Card account was closed due to " a failure to comply with the terms of the Customer Agreement. '' Upon receiving this notice, I immediately contacted Goldman Sachs customer service for clarification. During my phone conversation with their representative, I was informed that the account closure was final and could not be reversed. However, when I inquired about the specific terms that were allegedly violated, the representative was unable to provide any concrete details or reasons for the account closure. This lack of transparency is deeply concerning and unacceptable. 

Issues : Unjustified Account Closure : Goldman Sachs closed my Apple Card account citing " failure to comply with the terms of the Customer Agreement '' without providing any specific details or evidence of non-compliance. 

Lack of Transparency and Communication : Despite my repeated inquiries, Goldman Sachs has failed to provide a clear explanation or justification for the account closure. Their representatives were unable to state which terms of the Customer Agreement were violated. 
Impact : The closure of my Apple Card account has had a significant negative impact on my credit score and financial stability. It has also caused inconvenience and stress due to the sudden and unexplained nature of the action.
Consumer complaint received 2024-06-27
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. (IL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (FL)

On XX/XX/year> I called First Progress to close my account. I was informed verbally that when a consumer closed an account it take XXXX weeks to receive any money owed. I have not received any paperwork supporting this disclaimer. I am owed {$150.00} and would like my refund within a timely matter of 30 days.
Consumer complaint received 2024-07-19
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 (CA)

Dear Sir/Madam, This is XXXX. I am leaving at :.. 
I am writing to express my deep disappointment and outrage at the recent treatment I have received from Wells Fargo Bank. I believe that the bank has not only insulted and disrespected me but also individuals in similar circumstances, based on a recent communication that I understand was sent to Wells Fargo Bank regarding the XXXX Government 's sanctions on XXXX. 

It has come to my attention that Wells Fargo Bank 's policies regarding individuals who are ordinarily resident in XXXX have been applied in a discriminatory manner towards me. As a law-abiding citizen, I wish to clarify that my recent travel to XXXX was solely to visit my child and attend to urgent family matters related to my mother 's illness. I firmly believe that any compassionate individual in my position would have made the same decision. 

I am deeply troubled by the baseless allegations made against me by Wells Fargo Bank. I consider these accusations as a serious affront to my character and reputation. I hereby demand that Wells Fargo Bank provide me with concrete evidence to substantiate their claims and demonstrate how my actions have violated any American laws. 

Should Wells Fargo Bank fail to provide the necessary evidence and clarify the situation within a reasonable timeframe, I will have no choice but to pursue legal action against the bank for defamation and the damages caused by their unwarranted accusations. 

I trust that consumer federal protection bureau will conduct a thorough review of this matter and take appropriate steps to rectify this situation promptly. I hope for a swift resolution to this issue and an amicable resolution that upholds justice and fairness. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My identity has been stolen and used due to lost of government IDs and date breaches. After checking my consumer report I found an account from Credit acceptance corp open on XXXX XXXX being reported fraudulently and without my consent. No goods service or money was ever received from the reported transaction. This is in violation of my rights to privacy and should be blocked no later than four days after XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have a checking account with Chase Bank. Because I earn no interest on my checking account, I try to transfer money from that checking account and move it into a separate brokerage account away from Chase periodically. 

Chase has consistently made it extremely difficult to take money out of my account, removing my linked bank accounts, which are in my own name and just with third party banks and has rejected multiple times my transfer requests. 

I was able to link the external account, which is with a XXXX XXXX, XXXX that holds deposits for Internactive Brokers, and transfer {$25000.00} to that account on XX/XX/XXXX. So it worked. I tried to transfer to that same linked account {$100000.00} on XX/XX/XXXX, and Chase responded, after I verified the transfer through their fraud prevention line, by rejecting the transfer and deleting the linked account. On XX/XX/XXXX, I readded the external bank account and re-verified it by showing the small deposits that were transferred into and out of the account for verification purposes, making the account completely verified and linked again through Chase. I then, also on XX/XX/XXXX, re-initiated the same {$100000.00} transfer, and after verifying the transfer through their fraud prevention line, which I think they have also made an unnecessarily burdensome process where I am transferred multiple times, Chase informed me that the rejected the transfer yet again and de-linked and deleted the linked account. 

I get put on hold and express my frustration, but I get no real answers as to why they delete my third party account and reject my attempts to transfer money out. They also can not explain why I could move out $ XXXX to this account on XX/XX/XXXX, but their back office is now unable to link the same account on XX/XX/XXXX and XX/XX/XXXX. 

I believe Chase wants to keep my money earning XXXX interest in their account and are doing this to prevent me or make it extremely difficult from earning interest on my account with a third party bank. I believe this is monopolistic behavior and a simple attempt to prevent money from easily being withdraw my money.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (NY)

I deposited XXXX checks on the same day each {$510.00} on XX/XX/XXXX. as per US federal regulation I am supposed to receive at least {$220.00} out of my check. Chime has refused to release my funds and is holding them until XX/XX/XXXX at XXXX. I have not been able to pay my rent or any bills because of this neglagence.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (NV)

I worked at U.S. Bank and opened a checking account with them. I left in XXXX of 2022. 
I contacted them on XX/XX/2022 to have the account closed and was notified that I was {$73.00} overdrawn and I needed to transfer the {$73.00} to the account to close it. I transferred the funds and was notified the account was closed. I recently tried to open an account at XXXX XXXX XXXX XXXX and was turned down due to negative reporting from XXXX. U.S. Bank reported a charge off to XXXX in the amount of {$420.00}. U.S. Bank DID NOT CLOSE MY ACCOUNT UNTIL XX/XX/XXXX of 2022, more than XXXX months after they told me it was closed. So ... during that period they allowed a charge to go through and NEVER informed me of the charge. I worked in that branch, they had monthly contests regarding opened and closed accounts, they kept it open to help with their standings. I asked them to remove the Charge Off, they refused.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I received a credit card from Citi, and I activated it. After that, I went to add it to XXXX XXXX on my phone and my account was locked for fraud. I called Citi and asked to unlock it, and they said I couldn't use my phone number to verify my identity, and asked for a family member 's phone number. I provided that, and that number also didn't work. Citi then said they would send a letter and I could call them back when I get it to verify the account in a week. The card is now locked for a whole week for no reason.