davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

US Bank closed my personal checking account and business checking account without notice to me. I have not received anything in the mail and it has been 5 days since closure. Closure was on XX/XX/year>. The personal checking account had {$12000.00} and the business account had {$5400.00}. I went into the local US bank branch today because I received an email stating that a transaction to my business account was declined because the account was frozen. 

The tellers and manager said there was no note on the accounts and could not tell me why they were closed. They said I should receive mail stating why it was closed and the checks in the mail. I have not received anything and now my bills are past due from them holding my money in limbo.
Consumer complaint received 2024-07-20
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 (NY)

I bought a laptop from XXXX on XX/XX/year>, for {$1900.00} using my Apple credit card but I never received the laptop. I live on a university campus and the laptop was shipped to a storage locker, but I never received a storage locker access code from UPS, meaning I could not get my laptop. I contacted XXXX about the issue, but they claimed that they could not fix my problem and asked me to contact XXXX XXXX. XXXX XXXX 's customer service was of no help and they refused to refund my purchase. I then started a dispute with Apple Card 's Goldman Sachs bank. They denied my dispute, to which I provided additional information in the form of a police report, in which the detectives assigned to my case deducted that I did not receive the laptop and that it was locked in the storage locker. My university policy ensures that any package not picked up from storage lockers within a week gets returned, so the laptop can not be retrieved anymore. Even upon being provided further evidence from my police report and detective findings, Goldman Sachs denied my dispute. As of yet I still do not have the laptop that I purchased.
Consumer complaint received 2024-07-20
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: FC HoldCo LLC (MS)

My credit was pulled by multiple different dealerships car dealership that I did not authorized. The dates are in the descriptions of when the. Credit inquiries took place. I did not authorize or give permission for these to be ran. It is all unauthorized.
Consumer complaint received 2024-07-20
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 (DC)

On XX/XX/year>, I made a purchase through XXXX from XXXX for {$160.00} using my Apple Card. The merchandise delivered was defective ; the mandarins were moldy, and the apples were severely bruised and unfit for consumption. I reported this issue to XXXX by XX/XX/year>, well within their stipulated seven-day period. Despite XXXX 's acknowledgment and assurance of a resolution, the issue remained unresolved, prompting me to initiate a dispute with Goldman Sachs Bank USA, the issuer of my Apple Card. 

I submitted detailed evidence supporting my claim to Apple Card Support, including photos of the damaged goods and a thorough description of the defects. Despite my efforts, on XX/XX/year>, I received a decision stating that no billing error occurred, and the temporary credit of {$160.00} was reversed. The decision indicated that the merchandise was delivered undamaged, which contradicts the evidence I provided. 

Additionally, XXXX, through their representative XXXX, confirmed via email that they would not be contesting the dispute and that the funds had been withdrawn from them by the bank, indicating that they recognized the validity of my claim. This confirmation from XXXX clearly shows that Apple Card/Goldman Sachs mishandled my dispute. 

Throughout this process, I made multiple attempts to resolve the issue, including contacting Apple Card Specialists via the Wallet app and over the phone. However, my concerns were not addressed, and the outcome of the dispute was unsatisfactory.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers credit report.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

My account with REGIONSBANK was never late! I have had exceptional payment history with REGIONSBANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

REGIONSBANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NE)

I am writing to formally request an investigation and intervention by the Consumer Financial Protection Bureau concerning an issue I have encountered with BMO Harris Bank. 

On XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, I made a series of XXXX payments from my XXXX Bank account XXXX my XX/XX/XXXX account XXXX of amount {$5000.00}, {$5000.00}, {$24000.00}, {$24000.00}, {$24000.00}, {$19000.00} and my previous balance, totaling {$100000.00}. However, my XX/XX/XXXX account was subsequently flagged and closed for alleged fraudulent activity. Despite visiting the bank in person on XX/XX/XXXX, XXXX and XXXX to resolve the matter, my attempts to have the account reinstated have been unsuccessful. 

I have providedXX/XX/XXXX with all necessary documentation proving the legitimacy of these transactions, yet they have refused to reopen my account or provide a satisfactory explanation for the closure. As a result, I am unable to access the remaining balance in my account, causing significant financial distress.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (MI)

After checking my consumer report I noticed XXXX XX/XX/XXXX reporting an account open on XX/XX/2020 without my consent. I never did any business with this company someone must have used my personal information over the web to impersonate me. Also, XXXX and this company are committing identity theft and violating several of my rights by continuing to furnish this fraudulent data without ever reaching out to confirm it with me. Under XXXX U.S.C. 1681i ( 7 ) Method of verification this account is in violation it is reporting without valid evidence. XX/XX/XXXX andXX/XX/XXXX are not being fair furnishing fraudulent inaccurate information and this has become very harmful to my finances and ability to get credit in the future.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account XXXX .... 
Date of charge-off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 12 U.S.C. 1681 e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the reporting of this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (GA)

Exeter finance has my account showing as a charge off | paid in full. They are claiming my account was charged off before they received payment. They claim they didnt receive payment until end of XXXX but I totaled my truck and notified them the XXXX before. They sent a letter that my account was paid in full. Not that my charge off was paid. They also sent me XXXX so they cancelled the debt and was still paid and I was responsible for the taxes on that.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

I called them XXXX about making a transfer, every time they tell me the transfer will go through, but then they will decline the transaction After the XXXX times, XXXX force closed my account I called another 5 times on this, and demand to receive my money back 1 month later i still haven't received my check. I continue to call and only got bounce amount different agents, who didn't understand my issue and keep hanging up on me As a result, i spent XXXX hours dealing with their nonsense and still haven't received my money back
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service po box XXXX XXXX XXXX, SD XXXX Re : Settlement Offer for Charged-Off Account My name is XXXX XXXX XXXX XXXX and I am writing to address a critical issue that has come to my attention regarding an account with your bank. Recently, I was informed by my background investigator that there is an account with Citibank that is past due and has been charged off. This information has been brought to light as I am in the final stages of securing a federal job, a position that I have worked tirelessly to attain. 

I am deeply distressed by this revelation, as I have no recollection of ever opening an account with Citibank. Nonetheless, I am committed to resolving this matter swiftly and amicably, as it is impeding my opportunity to join the federal agency. 

I want to emphasize the urgency and gravity of my situation. My mother, who has been diagnosed with XXXX, is currently XXXX and under my care. The financial and emotional burdens of her illness have been overwhelming. As a result, my resources are extremely limited. Despite these challenges, I am determined to clear this issue to secure my future and continue to support my mother. 

In light of my circumstances, I am proposing a settlement amount of {$1000.00} to resolve the outstanding account. This is the maximum amount I can afford given my current financial situation. I implore you to consider my offer with compassion and understanding of the hardships I am facing. 

Resolving this account will not only help me move forward in my career but also alleviate some of the immense stress I am under as I care for my sick mother. I am hopeful that you will see the sincerity and urgency in my request and accept my settlement offer. 

Please take this settlement proposal seriously and respond at your earliest convenience. I am eager to resolve this matter and am available to discuss any details necessary to facilitate a swift resolution. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (CO)

I started an XXXX Transfer from Optum Financial to XXXX on XX/XX/year>. 
Optum Financial was negligent and never sent my funds to XXXX. 
Funds were withdrawn from my account and nobody knows where they are at. 

After calling multiple times, Optum Financial says the funds are expected to arrive on XX/XX/year>. 

HOW CAN A SIMPLE TRANSFER TAKE UP TO 2 MONTHS?????? 
Imagine is someone is having a a medical emergency and needs to transfer XXXX funds that take 2 months ... Shameful experience using Optum Financial.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California [ XXXX ] GM FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom It May Concern : I recently have received a copy of my ( XXXX, XXXX or XXXX ) XXXX report and, I have noticed it is reporting my EXPERIENCE with your company. The line of credit I have with your company, Which is characterized as Utilization on my consumer reports. GM FINANCIAL IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! GM FINANCIAL ACCOUNT # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions- Except as provided in paragraph ( 3 ), the term Consumer Report does not include ( A ) Subject to section 1681s3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer report and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer ( XXXX XXXX ) and the person ( YOU ) GM FINANCIAL Making the report is NOT INCLUDED on my consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ GM FINANCIAL ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included in my consumer reports! YOU HAVE VIOLATED THE FCRA 15UCS 1681a 2a ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORT. You have 10 calendar days to update my utilization to 5 % or below and or delete all utilizations from the below account/s [ XXXX ] Failure to respond satisfactorily with deletions of the above utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent Non-Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair credit reporting act 15usc 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15U.S.C.1681n ] Best regards XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-07-19
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 (CA)

I received an email from apple support stating that my account had been closed the following is a the actual email : Apple Card | Goldman Sachs Apple Card XXXX XXXX XXXX XXXX XXXX Your Apple Card account has been closed. 
Your Apple Card account has been closed as of XX/XX/2024 and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement Currently, your account balance is {$28000.00}. Recent activity, including purchases and interest charges, may not yet be reflected. If you have a balance, minimum payment must be made each month until the account is paid in full. You will continue to receive monthly statements until the entire account balance is paid off. 
To make a payment, go to Apple Card in the Wallet app, or reach out to an Apple Card Specialist. 

When I called the specialist, the gentlemen stated that none of the information that I provided was in their system and that I did not have a record of ever having an apple credit card account. The representative also informed me that he could not provide me with proof of this conversation due to not showing any record of me never applying for an apple card or having account with apple.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX refuses to delete my account that someone else has access to. I called them gave them my ID with my address passed the questions, and the still open the account back up under the email that was hacked which is XXXX XXXX XXXX refuses to respond at all. 
XXXX credit XXXX XXXX has an someone registered with an outlook email account, with two numbers ending in XXXX, and XXXX that does not belong to me. I sent them a letter in the beginning in the year asking for a report and they never sent it. And I just received a report in XXXX, and someone applied for a bank account on XX/XX/XXXX. Amongst other things they been applying for during the month of XXXX. 

Since XXXX of this year someone has been hacking all of my emails, and phone numbers. 
XXXX XXXX XXXX ( this is the one that is under the chex system ) XXXX XXXX XXXX XXXX there are more as well as my social media accounts been stolen. My XXXX account is still up in my name and someone deleted all my friends is using it. Several phone number has been compromised, and hacked. Infact all of my social medial accounts have been hacked. If I was to create a new one it will get hacked. Someone has went out of there way to make sure I am not XXXX XXXX and they're. 

I have been doing everything, this is interfered with my living. And my lifestyle. People have been sitting in front of my door logging into my wifi, to hack into my devices. I switched to a landline and someone is still on my phone. I need help. I believe someone has been in my home. I believe a device in on my car. People have been following my. My rights have been violated and I have not gotten any help. 
I also believe someone or people are working under my certification. 
I believe my XXXX XXXX XXXX XXXX XXXX XXXX is being used. 

Please assist me XXXX XXXX
Consumer complaint received 2023-03-06
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: LEXISNEXIS (FL)

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

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX - XXXXXXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXXXXXX XXXXXXXX XXXX : # XXXX, and the US Bankruptcy # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.