davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (AL)

My debit card was apparently physically stolen from a XXXX gas station in XXXX, Alabama, where I live, on XX/XX/year>. While I was sleeping, the thief went on a spending spree overnight to several gas stations. I realized what had happened the next day when the thief attempted to make a purchase for approximately {$950.00} at a XXXX XXXX, and SoFi denied the charge as fraudulent. Clearly, SoFi was aware that someone had stolen my card. I also called immediately after I saw the attempted charge to alert SoFi.

My claim for reimbursement for the fraudulent charges was denied as no fraudulent activity occurred. Clearly, it did, and SoFi was aware it did, hence flagging the XXXX XXXX XXXX. The last XXXX digits of my checking account are XXXX. The fraudulent charges are listed below : BP # XXXX XXXX XXXX - {$110.00} Highway XXXX Convenience - {$17.00} XXXX XXXX - {$43.00} XXXX - {$95.00} XXXX - {$35.00} Circle K - {$37.00} XXXX - {$43.00} Total : {$380.00} Also, note that I attempted to report all fraudulent charges within XXXX hours of them being charged to my account. However, charges that were " XXXX '' I was not allowed by SoFi to report until they were " Posted. '' I suspect this may have been an attempt to get around the XXXX hour reporting rule.
Consumer complaint received 2024-08-21
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: TD BANK US HOLDING COMPANY (NJ)

A credit card charge was made for my card on XX/XX/year> for {$510.00} from XXXX XXXX and was labeled " XXXX XXXX XXXX XXXX ''. A second charge was attempted to be made on the card for {$410.00} the same day but I reported this as fraud when I was notified. The transaction for {$510.00} was not flagged and still went through despite this. I froze my accounts on XX/XX/year> when the transaction occurred and ordered a new credit card that day. TD Bank , N.A . did not reach out and did not mention the {$510.00} transaction and whether or not it may be fraudulent even though I reported fraud on the card and froze the account. I then went and filed a claim with TD Bank , N.A . to settle this and clear my account for the fraudulent activity. TD Bank , N.A . dismissed the initial claim as the records show that it was my card that was used. They did nothing else to try and resolve this dispute or hlep my situation and did not bother calling or reaching out. I then went and filed a second claim with TD Bank , N.A . to determine why this was not resolved and why I have not been notified of what to do. I have also filed a claim with XXXX XXXX, credit bureaus, a police report and the federal trade commission. The information i have received from TD Bank , N.A . and XXXX XXXX has determined that it was international credit card fraud and consisted of a fake phone number, fake name and fake e-mail which were used to wire monies overseas to the XXXX. TD Bank , N.A . has done nothing to resolve this case and has given me the run around despite the severity of this being international wire fraud. I will provide specific details of the above referenced information upon request.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (WA)

Opened my account for my Apple/Goldman Sachs credit card XXXX XXXX of XXXX when Apple had first rolled out this new product. 

Used the Apple Card as my primary means to make transactions for everything I purchase to take advantage of their cash back program. 

Paid of my entire balance every single month since opening the account without fail for 6 years and never had to pay a single cent of interest. 

Rarely had charges that would exceed {$5000.00} at any time in the life of my account Apple/Goldman Sachs increased my credit limit 3 times up to {$45000.00} since opening the accountsaw this as a reward to being a good customer. 

On XX/XX/XXXX Apple/Goldman Sachs closed my account for 'a failure to comply with the terms of the Customer Agreement ' which was the only information that was given to me. 

Called Apple/Goldman Sachs several times taking to various service reps at each level of escalation possible. Not a single rep could give any more information than the vague details that were emailed to me on XX/XX/XXXX. 

Each of the Apple/Goldman Sachs graciously took my information and details about my inquiries and were diligent in their attempts to help me resolve this issue as quickly as they could. 

On XX/XX/XXXX I received a call back from Apple/Goldman Sachs with the news that my credit card account would officially be closed after looking into my case. There was no further information given to me or a clear explanation of where I have failed to 'comply with the terms of the customer agreement '. 

The remaining balance left on my account was {$2800.00} which I have paid in full as of today XX/XX/XXXX. 

As part of Apple/Goldman Sachs credit card cash back program, they offer a savings account where cash spending rewards will automatically be deposited. I took advantage of this offer and opened up an Apple savings account. 

Currently as of XX/XX/XXXX I have a balance of {$940.00} in my Apple savings account that I have been locked out of. I was informed by many Apple/Goldman Sachs customer service reps that I would have the ability to transfer any money that remains in my Apple savings account into either my linked bank account or to a virtual Apple Cash cardI do not have such ability to do so. 

This all came out of no where and am left feeling like I have been treated like a criminal by Apple/Goldman Sachs for being a loyal customer for 6 years while keeping a small to zero balance during the entire lifetime my account.

After all of the above, I was informed my Apple/Goldman Sachs customer service that after I pay off the remaining balance on my closed Apple Credit Card account XXXX that I would in fact be able to open up a new account and start again as a new customer. I do not understand this XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (WA)

Back in XXXX around XXXX my mother went into XXXX looking on line for good XXXX and to put her under my XXXX I went to a company called XXXX XXXX little I know that my nightmare would just begin well got my mother in hospital evrything we nt we ll then after that I didnt check my credit till XXXX and then I saw what had happend in my silence my credit was used to gain not one but three mortgages so after seeing this I went immeditley to the police station reported it and XXXX on going investigation agent XXXX XXXX told me to not place afraud alert or anything we will be monitoring the situation directly and then in XXXX and this year inquirires have started to come up so they told me in XXXX of XXXX to dispute with the credit agencies, that did not help recived a letter stating it was not me sending letters called and told them off it was me sending the information they rejected my people work wont assit me over the phone getting the run around from department to department please help me straighten this out I am tires of the run arounds I need your assitance please!!!! here are the negative accounts and inquirires 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Both XXXX and XXXX have multi-factor authentication in place to log in to unfreeze credit reports. Equifax does not provide this on its " XXXX & XXXX '' service, meaning that anyone who got my username and password could unfreeze my credit report on Equifax.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

On or about XX/XX/XXXX I logged in to my Macy 's app to search for shoes. After my purchase, I checked statement balance only to realize there was a charge for {$660.00} posted on XX/XX/XXXX. 
I immediately placed an online dispute and requested to be sent a new Macy 's American Express card. A few minutes later, I decided to call customer service and inform them about the charge from XX/XX/XXXX. 
I proceeded to ask questions about the purchase and the customer service rep. confirmed it was an *in person purchase and could not provide any other information at that time. Again, I stated I had not made the purchase to which they answered : they would need 1-2 billing cycles to investigate and I would receive a new card in the mail, and that no charges would be expected during this time. 

I have made numerous calls since XXXX to the present date to followup on my initial call and monitor the status of dispute, only to get in bits and pieces at every phone call about the details of this unauthorized purchase that are contradictory and and make no sense ( at best ) : I was told by customer service rep. XXXX, on XX/XX/XXXX, that the purchase amount of {$660.00} was removed on XX/XX/XXXX and then added back on to my account based on the the fact the dispute had been denied/closed. 
I was also informed on this date the charge is for a full size foam mattresses with two pillows that had been *purchased on XX/XX/XXXX but it had not posted until XX/XX/XXXX, XXXX and therefore I had not satisfied the payment. 

At this news, I expressed being baffled, confused and angry at this situation that has affected my life and we'll as my credit score! And yet again, I was transferred to another person to *reinstate a dispute over the same issue* while none of it makes sense. 
As I am waiting for this to come to a resolution I am in receipt of a letter from Macy 's with the denial denial of my first dispute filed on XX/XX/XXXX and have not yet received any of the statements I asked for as proof of purchase because according to Macy 's : " They are not able to provide me with copies of billing statements from XXXX. '' Please help! 

XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

Base on, 15 U.S Code $ 1681c-2 a consumer report agency shall block the reporting of any information in the file of a consumer, that the consumer identifies as information that result from an alleged identity theft.

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 I am requesting for the original copy of the agreement, term and condition. Failure to comply with forfeit yours claims and will require you delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (FL)

I am writing to request your assistance regarding an issue Ive encountered with Sequium, a debt collection agency. Recently, while working with a mortgage company, I discovered that I had an outstanding debt with XXXX XXXX that had been sent to collections with Sequium. 

On XXXX I immediately called Sequium to resolve the debt and paid the full amount over the phone at XXXXXXXX XXXX. The call lasted XXXX minutes. However, I did not receive a receipt via email as promised. 

Today, I made several follow-up calls to Sequium to obtain proof of payment : At XXXX XXXX  for XXXX minutes At XXXX XXXX for XXXX minutes At XXXX XXXX  for XXXX minutes The highest-ranking individual I was able to reach was XXXXXXXX XXXX, a Collection Manager for XXXX at Sequium. During our conversation, I expressed concern that my consumer rights might be violated due to their failure to provide a receipt, to which XXXX XXXX responded, you do what you need to do. 

Additionally, I sent an email at XXXXXXXX XXXX  requesting proof of payment, but I have not received any documentation. Despite the payment being debited from my account, I still have no official proof of payment. 

I believe I am entitled to receive confirmation of my payment. I would appreciate your guidance on how to proceed and whether Sequium is required by law to provide me with proof of my payment. 

Thank you for your assistance.
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

Some one at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Opened a Kohls credit card in my name and ordered over XXXX dollars of shoes and XXXX dollars in socks over two days. I have never lived in XXXX OH and I have never had a Kohls credit card. I am currently working with the XXXX in XXXX. I called Kohls and they just told me that they will send my a letter in the Mail. At first they would not take my overseas XXXX, XXXX  address.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IN)

I sparingly use this service ( Venmo ) and its associated debit card for payments between me and my close people. So there often is a balance lesser than {$50.00} I used the card via XXXX XXXX to pay for a drink out of a vending machine, and the drink was more than what was authorized, as well as more than what remained in the account by XXXX XXXX 

Being an overdraft, they have frozen my account, and its been nearly a week. 
Since the overdraft, I have received payments on this app, in no relation to the overdraft whatsoever and I later expected that it would cover the {$0.00} overage easily and simply, but I was far wrong. 

They will not allow me to use any form of bank that I have to pay for it, and using a debit card ( as they suggested to expedite the situation ) still leaves me without my money for another week. 

I can not access my money, nor am I able to close this account, which Im concerned leaves my security at risk. 

I no longer agree to the terms and conditions and wish to settle the XXXX XXXX overdraft with the other {$25.00} that should be on the same account then close the account. 

This is a dystopian overreach for a financial conglomerate, in my opinion. I just want my {$24.00} and to close the account. 

Its on there. It literally says it. Why is payment from ANOTHER account required if I already have money IN the account thats frozen. And for that matter, whys it even frozen?
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NY)

In according to the fair credit reporting act this creditor has violated my rights.

under 15 u.s.c 1681 section 602 state I have the right to privacy. 15 u.s.c 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an a account without my written instructions under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under or open An consumer plan as late for any purpose
Consumer complaint received 2024-08-22
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. (FL)

1. I booked the rental car via Chase.com Travel 2. We came to Airport to get the car, there is no counter for rental car! No one there had ever heard about the rental company we booked with. We called the number we had, and they said they cancelled the booking. So, NO CAR. 
3. We asked Chase bank to refund the money and they say that the rental car company does not refund the money. 
4. We asked the rental car company corporate office, and they said they never billed CHASE. 
5. Chase refused to give us the money ( our points back ) back
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

As per 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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt 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 information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

I XXXX XXXX XXXX sent out a request to extend a line a credit with SAID company JP MORGAN CHASE AND COMPANY / JP MORGAN CHASE FINANCIAL COMPANY LLC and I believe there is a misunderstanding of my right and laws according to the Truth & Lending Act, FTC and SEC XXXX I exercised my right to initiate the consumer credit transaction with SAID company JP MORGAN CHASE AND COMPANY / JP MORGAN CHASE FINANCIAL COMPANY LLC PNC BANK according to 15USC-1602 in which I granted said corporation JP MORGAN CHASE & COMPANY , PNC BANK and was denied because of a lack of identification in which ive reached out to rectify on several attempts. I've also filed fisputes with no response. I am well aware of my rights as a consumer and in fact the denial of my right by JP MORGAN CHASE & COMPANY PNC BANK /THE PNC FINANCIAL SERVICES GROUP INC Denial to extend credit has caused mental and financial distress.There are no federal laws that state a credit score can deny me of my rights to extend credit.Discrimination against an applicant and a credit transaction is a against law 15 USC 15USC-1691 I demand your company reconsiders this matter and comprise with federal law. Please open the accounts in which I've extended credit and correct any adverse action taken on my credit report .I take my consumer report and credit matter very seriously and I hope this matter can be resolved promptly. In care of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President and Chief Financial Officer, XXXX XXXX XXXX XXXX Vice President and Controller ( Principal Accounting Officer Directors : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Failure to address this properly may lead to further legal actions .Thank you for your immediate actions to this matter .I expect a timely response and resolution
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX  ( XXXX ) has placed a collection account on my credit. Per15 USC 1692 part of the Fair Debt Collection Practices, is to protect consumers from debt collection .Please remove and send confirming documents of the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Jefferson Capital Systems LLC ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

TD Credit Card Date : From XX/XX/XXXX, XXXX XX/XX/year> Total XXXX credit Cards same account Amount {$13000.00}
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION (PA)

The payment listed below was made in the form of an Official Check drawn off a credit union that I belong to. After a very small interest adjustment, this left a {$35.00} XXXX XXXX on this particular credit card. I called the credit card company at XXXXXXXX XXXX on XX/XX/XXXX to request that this XXXX XXXX be refunded to me. I asked for these funds to be credited to my checking account at the SAME bank that owns this credit card. The clueless call center agent said the credit would be sent bank to my credit union. That's absurd and I hung up on him. 

Transaction Details + {$3300.00} PAYMENT RECEIVED -- THANKYOU Transaction Date XX/XX/XXXX Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Card Used XXXX Transaction Type XXXX