davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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: NEW CITY FUNDING CORP. (NY)

To, whom ever this may concern Im reaching out on behalf of my XXXX credit report. I have XXXX unauthorized accounts reporting on my XXXX credit report. XXXX  is new city funding corporation and the other is XXXX  bank. Im a victim of identity theft, in wich I never opened these XXXX accounts. Ive sent discover bank as well as new city funding my police reports, my FTC reports also my CFPB report. Ive also sent these reports too XXXX as well. The companies keep saying that the accounts belong too me but the accounts do not and I never even heard of new city funding before in my life. Ive never done any sort of business with these companies, at this time I really would like too ask for the removal and deletion of these XXXX accounts from my XXXX credit report. I never did any business with these XXXX companies, I never received any goods from either company. I also never signed any contract for either company Ive made several complaints with the CFPB. Im really suffering from this fraudulent behavior from someone who gained access too my wallet when it was lost. I really want this escalated too the highest degree, i really need someone too take care of this today please XXXX 2024!!
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CO)

On XX/XX/XXXX I noticed some unauthorized transactions on my account with SoFi Bank, I contacted customer support who helped me with filing a dispute on the charges the total amount was for {$65.00} on XX/XX/XXXX the bank reimbursed the charges siding with me on the fraudulent transactions. 
Fast Forward to XX/XX/XXXX I am going though my account records for tax purposes when I start noticing charges that are from the same vendors as then I ones in XXXX but these charges range in date from XX/XX/XXXX - XX/XX/XXXX I immediately contact the bank again informing them of this discovery, A dispute was filed and the bank started an investigation into it. The total amount of disputed charges was {$1100.00}. On XX/XX/XXXX I recieved a communication back from the bank saying they were denying my dispute and the findings in their investigation would be provided at my request, so indid request them, they provided me with a few pictures showing the charges being processed by the vendors. So I went ahead filed another dispute with them about it and was informed that the investigation could take upwards of XXXX months but that it would be completed by XX/XX/XXXX, I recieved a final response from the bank the following day XX/XX/XXXX informing me that they had made a final decision regarding my dispute and that it was closed indefinitely with their denial stating that aside from the previously provided reasons for the denial they deemed the activity in the account to match spending habits in my account.I asked them how it was that the charges I had incured in XXXX of XXXX were found to be fraudulent but the ones recived by the same vendor over the course of the XXXX months prior to XXXX were not fraudulent, I still have recived no answer or any other communication from them regarding this matter.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Early Warning Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers : Bank : XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Thank you Sincerely, ( XXXX XXXX )
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2024-08-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

In XXXX of 2024 chime closed my account with a remaining balance of {$1000.00} left in my account. Before they closed my account I transferred my money to my main bank account, chime sent it back because they said the bank account was fraudulent. I have previously sent money to that account before and never had that issue. It is now XX/XX/year> and I have still yet received my check. I have lost my previous apartment, and had become homeless for months due to this. Also due to not receiving my check on time I have lost all assistance I was receiving to help assist me pay my bills. I had lost my car and everything due to not receiving my check. I am now in my new home and cant work due to just having a newborn and my lights are off. I could use those funds to pay my light bill. I have a home and cant even go to it because I have no lights in the summer time.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On two separate occasions, the first being XX/XX/XXXX, Chase gave a total of over {$2700.00} to someone in the drive-thru lane with an expired license of mine and a card that had been reported stolen. The teller gave the thief my account number, which they did not already have. We called to inquire about how this was possible when I reported my card stolen. I was told that I needed to file a claim, I did not need a police report, and a check would be issued to me in seven to 10 days. This is 6 months of back and forth, so I will provide the biggest details. When i called back to check on the status i was told that I needed to provide a police report before anything would be done on Chase 's side. I faxed the document as directed and called back in seven  XXXX days to check. I was told nothing was received and I should go into the branch to have them fax it for me. So, I show up to their branch I asked them to fax it for me they do I receive a receipt that says it has been faxed, I call chase in seven to 10 business days and I'm told again that nothing has been received. In the interim I have been told that things have been received they haven't been received I made a police report I don't need a police report on and on and on for essentially 6 months. Most recently, we submitted our police report for a third time as somebody at Chase was able to put together that the branches and these clients have been given the wrong fax number for months. So, we got it faxed with the correct number. Finally, we were told that it has been received and it is under review, and it will be 7 to 10 business days. So I called back in seven to 10 business days, and I was told that a check had been made and sent out and should be there in seven to 10 business days. Of course, it doesn't arrive so again I call ... For weeks, we go back and forth, and at this point, either my husband or I call every day. As of yesterday is the last time that i will be contacting chase as I will be acquiring a lawyer to file suit against them. I was told that our check was issued on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( conveniently, I was told this on XX/XX/XXXX when I called back and was given a 3rd and different date than I've been given before ). Each time I call I talk to 3-10 different chase representatives, get passed around, and the only thing anyone will ever tell me is call back 7-10 days. 

Oh, in addition, Chase closed our checking account WITHOUT authorization for us which only further complicated any information they could give us about our account and status of refund.
Consumer complaint received 2024-08-10
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 (CA)

I booked XXXX nights in XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, the purchase was made on XX/XX/XXXX via XXXX and was immediately cancelled. However, XXXX refused to refund any single XXXX and I started a dispute case in my US bank credit card. Credit card initially gave back my money but keep saying they were still investigating the case and eventually said the case was closed. But the dispute actually failed and I by chance saw it charged back to me of the entire {$480.00}. I'm disappointed with both XXXX and US bank credit card and will stop using either of them once this is resolved.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF HAWAII CORPORATION (HI)

I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late. 
Detailed payment history of my account, including the dates and times when payments were posted to my account. 
Evidence of notification sent to me regarding the alleged late payment. 
Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information. 

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-08-08
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: DISCOVER BANK (TX)

I have some credit card accounts that are fraudulent I submitted a FTC report and identification and letter asking that these accounts be removed Discover # XXXX. XXXX XXXX XXXX XXXX # XXXX amount XXXX
Consumer complaint received 2024-08-10
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: GOLDMAN SACHS BANK USA (MI)

XXXX keep saying I authorize and responsible for the charges even tho I didnt authorize anything and Ive been fighting these charges for over XXXX year and now my balance is like XXXX even tho I didnt authorize it! And they refuse to help!
Consumer complaint received 2024-09-20
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. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit reporting, 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, has violated my constitutional rights. 

15.U.S.C. 1681 section 602A ( States ) I have the right to my privacy.

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-10
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: GOLDMAN SACHS BANK USA (CA)

I had previously made a purchase with the merchant XXXX on the day of XX/XX/XXXX i had made a purchase of clothing merch of the brand XXXX on the App of the merchant XXXX. The items i had ordered was a XXXX upside down pull over hoodie, and XXXX strike boots that equaled the price total of {$2400.00}, once i had been notified about its delivery on the day of XX/XX/XXXX for my hoodie only i had asked the merchant about its delivery via email because i had not received anything on my front door or even signed anything to receive it but i got no response so i figured it was going to be delivered with the second part of my package which was with my boots i had order with them also that was told to me thru the tracking number they provided, that it was arriving on the XXXX of XX/XX/XXXX just for me to get notified again about my package being delivered but yet again i had not received anything. i had emailed the merchant numerous times just to get useless responses from them stating they would not be able to help me about my missing packages as shown in the first image i provide. then also they had claimed that the packages had been released thru a signature and once i had checked the signature i confirmed to them that the signature does NOT match my signature AT ALL. They once again replied basically saying it was not their problem and that i had to take it up with the shippers. I am also providing two other photos of the tracking Link they provided me that doesnt even work at all, and a photo of my CA state ID with my signature along to proof that the signatures do not match and i never received or released this package worth of XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Madam, I am writing to formally address an issue concerning the collection practices and reporting inaccuracies associated with my account. Please refer to me as the XXXX in all related communications. 

**Account Information : ** - **Account Holder : ** XXXX XXXX - XXXX Number : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX  XXXXHarassment and Abuse 15 U.S. Code 1692d : ** I have been subjected to daily phone calls from your company over the past XXXX months, which constitutes harassment and has caused me considerable distress and trauma. This conduct is a direct violation of 15 U.S. Code 1692d, which prohibits any form of harassment or abuse in connection with the collection of a debt. I am requesting that Navy Federal Credit Union immediately cease all collection efforts and communications related to this account.

**False Representation 15 U.S. Code 1692e ( 2 ) ( A ) : ** Furthermore, I have noticed discrepancies in the representation of my account balance. Under 15 U.S. Code 1692e ( 2 ) ( A ), it is unlawful to falsely represent the character, amount, or legal status of any debt. If the balance owed pertains to a bank account, it should be shown as a negative amount. However, the balance is currently shown positively, which is a false representation and mischaracterization of the debt. This incorrect representation misleads and confuses the debtor, violating federal law. 

Additionally, I have not received a 1099-C form for this account, which should have been provided if there was a cancellation of debt. The account has been closed and charged off, and as such, if there were any remaining debt, it should have been accurately reflected in the account balance.

**Request for Action : ** Given these violations, I demand the following actions be taken immediately : XXXX. Cease all collection efforts and communications regarding this account. 
XXXX. Correct the false representation of the account balance to accurately reflect the status of the debt. 
XXXX. Provide a written confirmation that these actions have been completed. 
XXXX. Send me a copy of the 1099-C form if applicable to this account. 

This letter is being copied to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for their records and further investigation. 

Failure to address these issues promptly may result in me seeking further legal remedies to protect my rights under federal law. 

I expect a prompt and thorough response to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC XXXX Consumer Financial Protection Bureau ( CFPB )
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

15 USC 1681 ( a ) ** 602 a. **15 U.S.C. 1681b ( Section 604 ( a ) ) ** I discovered that my information was accessed through Chexsystems inquiry, and I did not authorize any such access from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and again XXXX XXXX on XX/XX/XXXX. I would appreciate it if you could provide details on who initiated this inquiry and under what authorization. I would like these items removed from my checxsystems file a new file showing that these items have been removed.
Consumer complaint received 2024-07-12
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-07-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want to file a complaint against Bank of America Prepaid. I've been experiencing problems with them for XXXX years. After multiple disputes, my claim for a debit card sent to the wrong address was approved. I was issued a check that I am unable to cash because I can not open a bank account anywhere. 

I tried to cash the check at a check-cashing place, but it was above their limit. I have a Durable ( Financial ) Power of Attorney naming my daughter, as the power of attorney. Although it was approved by Bank of America Prepaid, it hasn't been added to my account. Because of this, her account is in the process of closing. 

After taking legal steps to endorse the check, she printed her name and added " P.O.A '' before her signature. Despite visiting the Bank of America branch multiple times and contacting customer service, I have not received any helpful assistance. The customer service representatives I spoke with were unable to direct me to the appropriate person. 

Uploaded POA Page XXXX not added identification documents are page XXXX. ( ID.SS.Card )
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (PA)

I had opened a claim for {$1300.00} for a charge done on my debit card. 

All information was provided and on the XXXX business day, which is the deadline for XXXX XXXX, Navy Federal Credit Union denied my claim stating no additional information was provided. This is clearly false because I had uploaded the documents at around XXXX on XX/XX/year>. 

Today, on XX/XX/year> I called in and spoke with several representatives. They informed me that Navy Federal Credit Union does NOT adhere to Regulation E standards. 

When I spoke to " XXXX '' - the supervisor - he informed me that " You do not pay my salary '' XXXX though we as a collective of credit union members DO pay their salary - and also stated that Regulation E will not be followed in my case because I am a member of news media.