davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

According to my consumer report I received dated XXXX XXXX. I was applying for a house. I noticed various areas in the way you are furnishing my Information. If you haven't been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment as late on any credit plan for any reason at all. if you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter, 15 USC 1681 ( B ) where it states that a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you CITIBANK are the 3 credits agencies. such authority. You apparent and constant neglect to properly carry out your job costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted CITIBANK, and the corresponding information is not listed on my consumer report. These accounts should PROMPTLY Be updated as ON TIME.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I was told XX/XX/2024 that the bonus offer had expired and i would not be receiving the XXXX XXXX  that i earned.I opened a Total Checking Account with Chase Bank on XXXX attempted to open the account online but the app wouldnt let me so i went into a nearby Chase Bank and XXXX the account.On XX/XX/2024 i had questions about the terms of the bonus offer so i called the young lady at Chase that opened the checking account for me.I asked her if she needed anything further from me as i was and am counting on the XXXXXXXX XXXX bonus.Her response was no and she added that 15 days after Chase receives my first direct deposit totalling over XXXXXXXX XXXX i would receive the bonus in my checking account.The deposit was made on XX/XX/2024 and within 15 days i should have received the XXXXXXXX XXXX bonus in my account.Ive followed the terms of the offer and there is no bonus.The more i research this situation online, im finding out Chase has a way of conducting buisness that is anything but ethical.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Hello, my husband and I had deposit our IRS check to his Citibank account at a branch atm where my name wasnt on the account. Citibank sent us the check back and told us they couldnt deposit the check because my name wasnt on the account. We go to the branch and speak with an associate. She helps us open a new account under both of our names and tell us that Citibank will send us the check back and we can re-deposit the check to our account but to use a teller and not the atm. We received the check and I go to a Citibank branch closer to our home. During this time we also had transfer the funds from his individual account to our share account there at the bank in person. We had also deposit our paychecks. Citibank then closes our account due to fraud because we deposit the check they sent us back. Now all of our money ( {$15000.00} ) is frozen in the account for the last 30 days. They say the investigation takes 30-60 days but they have not communicated with us. We have banked with them for 10 years and now theyre doing this to our family putting us is a very difficult position.
Consumer complaint received 2024-03-24
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: SYNCHRONY FINANCIAL (PA)

I filed an initial complaint due to Synchrony Bank not acknowledging my dispute. Since then I was promised a PERMANENT credit, I filed a first dispute with synchrony, which you have information on about the first dispute/complaint I filed. I was sent a check for only {$76.00} now they are claiming they sent a check for {$77.00} which is a blatant lie. I have copies of all documentation. This bank can not be serious.. it is very clear to me, that to your agency they pretend to abide by their promises, but I have PROOF they did not uphold their end of the agreement. This only further proves how corrupt and dishonest this bank is. Furthermore, upon checking my account, the re-billed me for {$76.00} after claiming they resolved the dispute and ruled in my favor I was promised the refund check and PERMANENT credit from an account manager supervisor named XXXX XXXX last week approximately. I am attaching all of the documentation in this second complaint and have now also decided to further speak with my counsel on our next move under the law.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (VA)

I requested reports at least 6 times this year. I have XXXX mailed responses that all say they were unable to process the request. All of the information I included in my request is current and correct. The mailed responses are dated as follows : * XX/XX/year>2024 * XX/XX/year>2024 * XX/XX/year>2024 * XX/XX/year>2024 * XX/XX/year>2024 * XX/XX/year>2024 I want my Lexis Nexis report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

SENT THIS LETTER MANY TIMES. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

THEY REFUSE TO DELETE THIS INFORMATION AND IT IS FALSE AND INACCURATE.
Consumer complaint received 2024-08-19
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)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 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
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

recently I did an investigation on my credit report and found several items on there to be inaccurate. 
under 15 U.S Code1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report immediately. 
( 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
Consumer complaint received 2024-07-10
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

They over charge me for reversal of excess credit due to merchant credit claim but there was no merchant for that claim. XXXX XXXX XXXX XXXX was the claims price and the second one was for XXXX never got a claim number for that one been dealing with this for two months now bills paling up noway to pay my bills they took the last 2 checks from me and they owe me over XXXX XXXX  this is real stressful. Bout to lose my car and house no bills getting paid. 
XXXX XXXX XXXX XXXX For the last two weeks they been saying it going to the higher ups to review now it's been 12 days since then.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/year> I sent a money transfer for {$510.00} dollars through Money Gram this was my XXXX time using this company, the other XXXX transfer I got the money, but this XXXX one never received the money, I've been reaching out to the company and the open a case and tell me that I have to wait upto 90 days for a resolution. To many cases open and closed without any resolution the say the money was deposited on my account and that's it, case closed, and my money still lost ... .I have tell them that I can send a proof that the money was never received on my end account, but they don't take any paperwork from me but they send me what supposed is a proof of the deposit, also they've been to many discrepancies since the firt time I contacted Money Gram to complain about my money, like they sent me and email saying that they couldn't transfer the money so I'll receive the money back on my account in lees that 10 busissness days, witch never happened, then I received a second email saying that the money was deposited on my account but because it took to many days, they will refund the {$1.00} they charged for the transfer, why the send me that if they say the money was successful deposited on my account??? Could you please help, someone told me that if I have a tracking number, I can contact XXXXXXXX XXXX XXXXXXXX and they could located the money, but the company doesn't want to provide a tracking number, only a transfer reference, but that doesn't work with XXXXXXXX XXXX XXXXXXXX website to track my money. Please let me know if you need any additional information.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Huntington Debt Holding LLC (CA)

Summary of Issue : I am filing a complaint against Huntington Debt Holding , LLC, as the company falsely claimed that there was a legal judgment against me regarding a debt they are attempting to collect. On XX/XX/XXXX and XX/XX/XXXX, the representative stated there was a pending legal notice and judgment, which I later confirmed was not true. This was a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is illegal to misrepresent legal action or threaten consumers with non-existent judgments. 

Details of the Complaint : Harassment and False Claims : The company contacted me multiple times within days and falsely claimed a judgment existed, using this as a scare tactic to pressure me into paying the debt. They even sent me a payment plan asking for my credit card information and stated that if my information was not entered by the end of the day, they would send my file to the legal department and that there would be " nothing I can do to fix the situation since there was a judgment to garnish my wages. '' Failure to Provide Documentation : When asked for proof of the judgment, legal notice, and original debt documentation, the representative refused to provide any legal documentation beyond a payment arrangement. He kept stating that " I sounded like I didn't want to pay my debt and he would let legal follow through with the garnishment. '' Outcome with XXXX  : I have already filed a complaint with the Better Business Bureau ( XXXX  ). Following my complaint, Huntington Debt Holding, LLC admitted to troubling account handling and placed the account in cease-and-desist status. However, they still have not resolved the issue or provided adequate proof of the legitimacy of the debt.

Request for Action : I am requesting the CFPB or FTC investigate the deceptive practices of Huntington Debt Holding, LLC and take appropriate action to ensure that they adhere to the legal requirements for debt collection and reporting. I would like confirmation that this debt will be removed from my credit report if they can not provide legitimate documentation or proof of the judgment, they claimed existed.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Under the Fair Crediting Act this Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my RIGHTS. Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

I original open 3 complaints against all 3 credit bureaus they were informing fraudulent information so I asked them to removed them that was more than 45 days and they still havent removed the information but today I have a bigger problem the bureaus are reporting that Im dead I went to purchased a vehicle from a dealership and they notified me that they couldnt give me a loan because XXXX, XXXX, and Experian. are reporting me as deceased. I need your agency to fixed this problem and take an enforcement action against a person or company ( XXXX, XXXX, and Experian. ) for violating my rights and the consumer financial protection law. I went to social security and reported the problem and they gaved me a letter stating that Im alive.
Consumer complaint received 2024-08-19
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. (TX)

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

Approximately 1 year ago I put in a claim to USAA Homeowners Insurance for a damaged/leaking roof. I have paid premiums to USAA for decades for homeowner 's insurance, auto insurance, and I also have a credit card with them. There had been documented hail during the period preceding my roof leaking. USAA send an adjuster out who wanted to " bandaid '' the issue. I did not feel his solution met my needs. I talked to several representatives of USAA, without success about replacing my whole roof. I have always paid my insurance premiums on time, and have had minimal claims with USAA over the years. I sent a letter to USAA approximately 4-5 months ago making another claim for my roof since it is leaking worse than before. I feel wood under the shingles may have been damaged. I heard NO RESPONSE from USAA regarding my letter. Now we have had several days of hard rain and storms. My roof is leaking into my kitchen, dining room, and back bedroom. And more rain is forecast for next week. They are calling for some flooding due to excessive rain. I do have a flood policy also. I am on a fixed income and it would be difficult financially for me to replace my whole roof, along with some of the wood. I wanted to be protected -- that is why I maintained insurance with USAA. I am a veteran of the XXXX XXXX and have an honorable discharge. I am also an older adult. I want my whole roof replaced. I have about an approximately XXXX sq ft roof, which does not appear that complicated. I do want it replaced properly and flashed properly to prevent damage to my house.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NV)

Hello! 

I am filing a complaint against Goldman Sachs. 

Essentially, I had hired a marketing company to complete XXXX  for my website, XXXX 

The company I hired took {$7600.00} upfront on XX/XX/year>, then charged me again on for {$7100.00} on XX/XX/year>. At the time, my website wasn't completed with development, so there was no way for me to tell if they had done any adequate work. 

Fast forward a few months, I found out they plagiarized content from a competing website, utilized " XXXXXXXX XXXX XXXX tactics, '' and as a result, my website is marked as having a " suspicious backlink profile, '' and has seen XXXX organic traffic. 

I reached out to the company, expressing my concerns ; however, they were unwilling to issue any refund. 

I filed for a chargeback with Goldman Sachs for services not as described and provided over XXXX pages of proof, including XXXX website audits from third-party XXXX  companies. 

However, after nearly 90 days of Goldman Sachs investigating the claim, they ruled in favor of the merchant and said the following : " We reviewed available information which confirms that you authorized the purchase with the merchant. '' I am filing a complaint because I have spoken with a variety of people, including over XXXX marketing companies, all of which urged me to file for a chargeback. However, Goldman Sachs ruled in the merchant 's favor, and their reasoning doesn't even align with the reason for my chargeback in the first place.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.