davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COMMERCE BANK (MO)

On XX/XX/2024 I made a {$5000.00} ACH transfer from my new bank ( XXXX XXXX ) business checking bank account out of my previous business checking bank account ( Commerce Bank ) prior to closing the account completely at Commerce Bank. 

I was not informed by the bank associate at Commerce Bank that assisted me in closing my account that the {$5000.00} ACH transfer to XXXXXXXX XXXX had not completed processing before they closed the account. Because of this, the funds did not properly process into XXXX XXXX and now the money can not be found by either bank. I've spent the past month visiting my local branch for each bank attempting to escalate the issue to be resolved. Both banks continue to tell me neither of them have the {$5000.00}. 

I've spent countless hours of my time working to resolve this issue. As a self-employed business owner, those are hours I'm not getting paid working. I had intended to transfer this {$5000.00} to my high-interest savings account, so I've lost almost a month 's worth of interest earnings on it. 

I wrote letters over a week ago and mailed them as registered to the presidents of each bank with a full timeline of events and timestamps of my efforts since XX/XX/XXXX- have not received a response of any kind from either. 

I'm greatly losing faith in this country 's financial system as it seems XXXX large bank organization 's have misplaced {$5000.00} of my money with no idea on how to locate it and return it to my account.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MT)

I have had a Marcus by Goldman Sachs savings account for many years. I have never over drawn or caused any issue. On XXXX XXXX, at marcus.com, I used marcus ' online ach eft system to transfer to marcus from my Iinked external savings account at XXXX XXXX {$100000.00}. Transfer completed and all funds were clearly stated as available after the stated 7 day hold. I then submitted, using the same marcus ach eft system at marcus.com, the same type of transfer out of marcus to my linked external savings account at XXXX XXXX. I have done these same type of transfers on an occasional basis over the years with no problem. At approximately XXXX mst on XXXX 2024, I received a call from Marcus rep XXXX stating he had reversed the transfer. After his lengthy and undocumented reasoning for reversing my transfer, I spoke to a supervisor. They said my {$100000.00} could only be ach eft transferred back to XXXX XXXX or after 6 months at Marcus, could be transferred elsewhere. I asked where these requirements were stated on marcus.com. They said the deposit disclosure agreement ( dda ). After rereading all of the dda and faqs and finding NOTHING REGARDING limitations on which external linked bank accout I transferred to ( except that it was in my name, and it is ). I called on XXXX and received a call back as I requested, from supervisor XXXX. I asked her to tell me where I could find these rules. After waiting lengthy hold times, her best result was paragraph g on pages 9 and 10. To paraphrase, it states Funding with a Gift or debit card is not allowed, which I do not have and was not using. The {$100000.00} left marcus savings on XXXX and were back in XXXX. Both supervisors stated on recorded calls, I would earn Marcus interest ( then at XXXXapy ) for XXXX as well as all days the {$100000.00} was in my marcus savings. I am requesting I am allowed to transfer my available {$100000.00} to my linked XXXX XXXX XXXX savings. Once there, my {$100000.00} willbe at XXXX apy. I also want this additional interest of XXXX - marcus ' apy for XXXX thru the date when my {$100000.00} leaves marcus to go to XXXX.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have tried to relative these issues with the credit reporting companies. Accounts showing closed on one date, but saying last payment in different date. Now they trying to update something from a previous complaint. FTC states wrongly use of my information is against the law. For example, a XXXX account thats states on the login account that I have until have until XXXX/XXXX/XXXX  to make payments, but I have late payments on credit report. Other accounts that was/have been reported incorrectly over the years. These accounts have been reported with wrong closed dates, payment statements, balances, and as well as last payment made. I have submit documents to XXXX XXXX on student loan through XXXX thats paid in full through ligation.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (AL)

I woke up this morning to a notification my XXXX kid account was unlinked. So I went to cashapp to see account was closed and it said email was sent. I do not have a email in regards to this matter. I am file a dispute and is upset. I have had my account for over 5 years and never did anything illegal nor filed any disputes. My account is typically used to send my kids money who are in XXXX  and my.XXXX boy when he travel with other people. I receive money for this reason as well when others kids come with me after game day or I have to pick up items for our games. I pay my beautician and yard man as well. I feel discriminate ld against and feel they violated many laws by closing without any proper notice.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (PA)

Sometime in XXXX I received an email congratulating me on my application for a Victoria 's Secret credit card. I immediately phoned the number and advised that I did not file for a card. At this point, the agent asked me to identify myself and supply my social!!! I said no, I will not supply my social -that doesn't make sense- it wasn't me who applied for the card. I gave my address and phone and advised that I wanted all accounts closed and my information expunged from their database. After that, I received a letter dates XXXX  stating that I needed to confirm before the application would be honored. Obviously, the agent did not do as I asked and remove my information from the database.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. ()

Hello. My name is XXXX XXXX, and my boyfriend 's name is XXXX XXXX. We are both from XXXX and recently participated in the XXXX XXXX and XXXX program. After completing our jobs, we received our final paychecks, but encountered difficulties cashing them. 

On the day we attempted to exchange the checks, it was XXXX XXXX, and all the banks were closed. We were unable to process them before our return flight. As a solution, we asked my cousin, XXXX XXXX, to help us deposit the checks into his Chase Bank account in XXXX XXXX Unfortunately, after the deposit, his account was frozen due to a requirement for verification. 

We have tried contacting the bank, but they do not accept international calls, making it difficult to resolve the issue from XXXX. Eventually, my cousin 's account was closed due to the unresolved status of the check deposit, and we have not yet received our salary. 

We are reaching out to request your assistance in resolving this matter. How can we prove our identity and retrieve the check? Any help you can provide would be greatly appreciated. 

Thank you for your time and support. 

Best regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Hello. My son, XXXX XXXX passed away XX/XX/XXXX. Two years before I wrote to have my name removed as co-signer. I never heard anything and assumed it was done. When he passed, Navient claimed they removed his federal loan and left the private loan. I have asked to have this looked at for years and no one responds. I received a notice from XXXX in my son 's name on XX/XX/XXXX, which means the loans are still in his name. I have been paying on this loan since XXXX and every time I have asked for a breakdown of what they did, I get no response.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (MI)

In late XXXX  I was a victim of identity theft. I reached out to all credit bureaus to report the invalid information and applications for credit to my account. I reached out specifically to Goldman Sachs as an Apple Card was opened in my name fraudulently. They have yet to remove the inquiry for my credit bureau report causing me harm financially as IIn late 2023 I was a victim of identity theft. I reached out to all credit bureaus to report the invalid information and applications for credit to my account. I reached out specifically to Goldman Sachs as an Apple Card was opened in my name fraudulently. They have yet to remove the inquiry from my credit bureau report causing me harm financially as I am in the process of applying for Car and home mortgages. Theyve sent me letters saying that they have confirmed that the account was open fraudulently. Theyve closed the account even. They have yet to remove the inquiries, and I am now filing a formal complaint.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

I tried to renew my subscription to software from XXXX and the transaction was declined. Goldman is saying it was a network issue but another card worked without issue. They cant seem to explain why I cant use my card.
Consumer complaint received 2024-06-26
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)

XXXXXXXX XXXX  : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by XXXX ( XXXX ), XXXX ( XXXX ), and Equifax ( EQ ). XXXX reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and EQ reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, XXXX, Equifax, and XXXX are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report as soon as possible.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

5/3 bank is the worst mortgage company I have ever worked with. When I make a payment out of my bi-weekly paycheck, I submit a partial payment on the payment processing platform on their website. This goes into an " unapplied to mortgage '' status. It would be nice if they would just allow the bi-weekly pay, but they do not allow this, unlike many other mortgage companies, since it would be beneficial to the consumer over the life of the loan. I digress! 

Once I have both of my paychecks for the month and have made the payments, I usually have to call or chat with the bank ( call center ) in order to apply the unapplied balance to my mortgage. In XX/XX/XXXX, I made my first payment of {$1000.00} on XX/XX/XXXX and my second payment for the remainder of my loan amount on XX/XX/XXXX. On XX/XX/XXXX, I asked that the amount be applied to the balance of the mortgage. My wife additionally chat with a representative in order to get the amount applied to my mortgage. 

In the meantime, I keep getting phone calls saying my mortgage is past due, even as the full amount has been transmitted from my account to 5/3 on XX/XX/XXXX. On XX/XX/XXXX, I received another phone call advising me my payment was past due. Again, I explained the situation. I was disconnected after I offered advice that 5/3 update their process, so that I could make my payments and they would automatically be applied to my balance. I then chatted with a representative, who told me my unapplied balance would routed to an account resolutions person in XXXX business days in order to be applied to my mortgage. I called back to the call center and told them I did not have XXXX business days, since after 30 days, this would report negatively to my credit. The representative put me on hold for an extended period of time and told me the " department has a large volume of calls today ''. After holding for nearly XXXX minutes, the representative came back on the line and advised me the " department was closed ''. I asked her if the department was closed, or if the department had a large volume of calls ; she said they were closed. 

I asked the representative if there was anybody else I could speak with, supervisor, escalate the call, etc. in order to get this taken care of. I don't have the extra money to make an additional payment to my mortgage and 5/3 is just sitting on my money unapplied to my balance and I can't get anyone to apply the balance for my loan XXXX full days after I've made the full amount of the payment and pushing against reporting negatively to my credit. 

Again, this has to be the worst bank I have ever done business with!
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NY)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (AR)

When this loan was taken out the XXXX  XXXX XXXX XXXX was supposed to teach me how to become a certified public accountant I want it to be abundantly clear that they did not teach me anything at all to do with accounting whatsoever. The school also quoted that they would get me a high-tech job with XXXX of their high-tech companies also a lie. The bottom line is I get a tiny XXXX check which I can barely scrape by as it is I can afford no payments and don't understand how the debt did not get disqualified anyway due to the fact that I should have been part of some lawsuit somewhere for being mislead. Classic bait and switch.
Consumer complaint received 2024-06-26
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. (MA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (IN)

On XX/XX/year>, I applied for an installment loan and was approved with Balance Credit through XXXX XXXX XXXX. The total loan amount was {$2100.00} with an annual percentage rate of 224 %. In addition to this, they also tacked on a finance charge of {$3200.00}. It was my understanding that I would have a single monthly payment, but after signing the contract, I discovered that they would be taking payments twice a month from my bank account. The total I was supposed to pay back according to the contract was {$5300.00}. In the contract, they listed 26 payments total, but failed to include the daily accrued interest, making the loan much more expensive than promised. Every time I made a payment, the outstanding principal would actually go up - meaning I could not make any progress paying down this loan and was actually paying much more than what was agreed upon. The contract also specifies that if the interest rates being charged exceeded the maximum allowed in XXXX, they would refund the money paid as this is not a legal loan. It is my understanding that they are violating usury laws in both XXXX  and XXXX. XXXX XXXX XXXX  is not licensed in the state of XXXX and Balance Credit has other consumer complaints online in several different places for the same misleading and predatory practices. I emailed them, telling them that I didn't believe this was legal and they responded with their assurance that it was. Because none of the money being given was going to principal, I revoked my ACH permissions on or around XX/XX/XXXX. I'm not in default yet and told them i'm happy to pay the agreed upon amount, but I needed to know that the principal would be paid. They did try to call several times during my workday, but I prefer to keep all correspondence in writing and could not break from meetings anyway. They also made sure that I was aware that they would report me to the credit bureaus and harm my credit score if I did not comply. The entire process was misleading, rushed, and is not operating in line with the contract. Also, in the correspondence they referred to me as someone named XXXXXXXX which could mean they are not properly safeguarding consumer data.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Request for Debt Validation and Dispute of Account XXXX Dear PORTFOLIO RECOV ASSOC XXXX I am writing to dispute the validity of the debt referenced below as reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX ( b ) ( XXXX U.S.C. XXXX ), I am requesting that you provide full validation of this debt. Until proper validation is provided, I request that you cease all collection activities on this account and stop reporting this debt to any credit reporting agencies. 

Please provide the following information as required by law : Proof of the debt : Full itemization of the amount owed, including how the amount was calculated. 
Verification of ownership : Proof that I am legally obligated to pay this debt, including the original agreement or contract. 
Legal right to collect : Documentation showing that your agency has the authority to collect this debt on behalf of the original creditor. 
Chain of title : Any documentation showing that the debt was transferred or sold to you. 

Please note that failure to provide the requested validation within 30 days will result in me taking further legal action, including filing complaints with my states Attorney General, and seeking legal counsel under the FDCPA. Additionally, be aware that Section XXXX of the FDCPA ( XXXX XXXX. XXXX ) provides that debt collectors who fail to comply with these requirements may be liable for damages, including actual damages, statutory damages, attorneys fees, and costs. 

I expect a prompt and thorough response to this request. Please send me all information and documentation concerning this account in writing. 



Sincerely, XXXX XXXX