davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA XXXX XXXX XXXX- I submitted claims with the USAA Fraud Dispute Department between XX/XX/XXXX - XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX to my XXXX XXXX account. I provided all of the supporting documentation to ensure that USAA Bank would process the fraudulent amounts off of my account. However, they did not process the claims, nor did they attempt to process the claim as I was in contact with XXXX XXXX XXXX  and they provided in writing that the mistake was made and my card should have not been charged, but they had not refunded the money and due to my telling them that I would be submitting a dispute/fraud claim with my bank. USAA simply denied the dispute/fraud claim without due process or review. Multiple attempts to contact USAA went unanswered with no recourse. They have place my account in a negative status despite the attempts to contact and provide the supporting documents.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I have a credit account showing on my credit report from Macy 's. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Macy 's by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my XXXX XXXX, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Macy 's, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I have a credit account showing on my credit report from JPMCB ( chase ). This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Chase by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my XXXX XXXX, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Chase, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed school loans identity theft, XXXX, XXXX, deleted school loans but Trans union, did not delete, even though identity theft report was sent to them and they claim not to receive it even though USPS says it was delivered on the XXXX of XXXX. I also had other items and inquiries needed to be deleted due to Fraud. I sent a document of Identity Theft report and USPS RECEIPT with tracking number on it
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure to investigate and appropriately mark my disputed accounts, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Over the past several months, I have repeatedly contacted the company to dispute inaccuracies on my credit report. Despite providing ample documentation and following the dispute procedures outlined by the FCRA, the company has neither conducted a thorough investigation into my claims nor marked the disputed accounts on my credit report. This negligent behavior not only breaches the legal requirements set forth by the FCRA but also causes significant harm to my creditworthiness and financial standing. I urge the CFPB to intervene and ensure that the company complies with their obligations to investigate disputed accounts and update my credit report accordingly.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

Opened a Wells Fargo account to electronically transfer funds to daughters Wells Fargo account while she was in college in XXXX. Closed in XXXX. Only used account for this purpose. 
XXXX for the bank claim it was XXXX account & {$1400.00} overdrawn. XXXX XXXX is @ XXXX. Nothing comes up online for this #. He says Wells Fargo has been trying to recover the money since XXXX. I am online & not hiding, have never received anything from Wells Fargo until my daughter & brother-in-law both got audio texts from XXXX about this with XXXX phone #. The lawyers threaten to garnish my XXXX payments. They say there is a case in XXXX XXXX court. Given the scare tactics, Wells Fargos history, & the way I used the account, I believe a fraud is being perpetrated against me.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX/year> at XXXX XXXX, I tired to deposit {$2000.00} into a 5th 3rd Bank at XXXX XXXX  XXXX XXXX XXXX Tn XXXX XXXX. Upon entering my money into the atm, the atm shut down and would not give any more information and kept the {$2000.00}. I immediately called 5th 3rd bank. I was instructed to call XXXX because I used my XXXX debit card to deposit the money. I did not know you could not use that ATM to deposit money as I do not have a XXXX branch anywhere near my home. I sat at that ATM until the bank branch opened. I went inside and talked to a XXXX XXXX who instructed me to call the 5th 3rd dispute line and file a complaint. I did that. Nothing happened and on XX/XX/XXXX I went back to the bank to talk to XXXX XXXX again. He started another claim with 5th 3rd and went through the process with the phone operator and myself to get the claim started again. Claim # XXXX. I called them back every other day for further instruction or status of claim. After 7 days I was told there was nothing they could do that I would have to call XXXX. So I called XXXX back and talked with someone who started another claim with them Claim # XXXX. After a month of back of forth with both banks I am being told there is nothing either bank can do because they can't talk to each other. XXXX says they have nothing to go by to get in touch with 5th 3rd and 5th 3rd says that they can't do anything without XXXX filing a formal complaint. Now there is video I am sure of me depositing my money in the ATM and sitting there for 2 1/2 hours until the bank opened. I am the middle person between two large corporations and feel there is nothing else I can do and I have just lost {$2000.00} for which my family needs. I have tried to handle this to the best of my ability by myself, but I am getting no where. I do have an account at both XXXX and 5th3rd bank.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

A few months ago I sent a message to aidvantage asking about setting up autopayment to pay off the interest of my student loan during loan deferment period ( while I'm in school ). I can not find any record of this message, and I asked ( first on the phone, then via the aidvantage chat ) how I could access it so that I can see if there was a response to my message. When I called aidvantage and asked this question and the representative I talked to told me that it is not possible to set up an autopayment during the deferment period. I asked how I could access the communications I previously sent to aidvantage and he became annoyed, acting as though my questions were XXXX. I remained calm, observing that he seemed to be frustrated, and asked politely to speak to his manager, not to complain about him, but so that I could put in an official request to enable autopayments during loan deferment periods. He refused and hung up on me mid-sentence. I sincerely hope this phone call was recorded. So my main questions were : XXXX how can I access the message I previously sent to aidvantage regarding this question, and XXXX. How can I file an official request to improve aidvantage system functionality to include autopayments during deferment periods, so that students are not accidentally saddled with a growing principle due to accruing interest during the deferment period. The fact that interest starts accruing during the deferment period and can be added to the principle is NOT information that is obviously apparent, and can significantly increase student debt without student awareness. This information should at least be clearly communicated, and ideally, there would be an option to automatically pay off the interest during the deferment period so that the interest is not added to the principle. However, the representatives I spoke with told me that this issue would not be addressed : " Auto pay is only able to be signed up while the account is in repayment status. If you are not in repayment status then the auto pay is not eligible to be active on the account. If you would like to make manual payments while being in deferment you can. But the interest rate reduction you receive for auto pay being active is only eligible while in repayment status. That is not something we will update. How did you send the message, was that via chat? " - XXXX from aidvantage chat. Fine, don't include the interest rate reduction, but please at least consider enabling some form of autopay to pay off interest during the deferment period.
Consumer complaint received 2024-05-23
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. (FL)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2019-04-19
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. (FL)

THE NEGATIVE ITEMS DISPUTED DOES NOT BELONG TO ME. THOSE NEGATIVE ITEMS HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

I had a Citi credit card with a {$99.00} annual fee. I called them to cancel it, but they convinced me to downgrade the card to one with no annual fee. I agreed to this and went on my way. I did not hear anything again until I received notices that I was past due, being charged late fees etc. when I looked at the statement, they did in fact charge the {$99.00} fee after they said they wouldnt. I have reached out to Citi multiple times to try and resolve but am given wrong info each time. Eventually, they got {$90.00} of the annual fee removed, but say I am on the hook for the other {$9.00}. While this is not a huge amount of money, it is annoying because its not what I was told. In addition I have been reported to the credit bureaus for missed payments and Citi says they can not reverse the bad marks on my credit. I am extremely upset about the hours I have wasted on the situation to not make any progress with them.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

There are two accounts that exist on my Equifax credit report that are in error. I have requested a correction to these accounts that both have had {$0.00} balances for more than two months. Over 2 months after I filed a request to correct the balances, Equifax has refused to make corrections to my credit report despite my sending current statements to them that show XXXX balances. One credit card account is with XXXX XXXX XXXX XXXX and the second account is with XXXX XXXX. Both of these credit cards have had {$0.00} balances for over two months and Equifax refuses to make corrections to my credit report which has had a negative impact on my credit score. I have spoken to representatives of both XXXX XXXX XXXXXXXX XXXX and XXXX XXXX and they both have informed me that Equifax was sent updated balance information months ago, but Equifax still refuses to make corrections.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TN)

My name is XXXX XXXX and I'm a XXXX student currently studying in the XXXX. I am writing to formally lodge a complaint regarding my savings account with XXXX by Goldman Sachs, which has been frozen for an extended period. As a XXXX student studying in the United States, I rely heavily on the funds in this account to pay my tuition fees and cover living expenses. My Social Security XXXX ( XXXX ) ends with XXXX, and I have approximately {$16000.00} deposited in this account. 

Recently, when attempting to pay my tuition fees, the transaction failed, and subsequently, my account was frozen. Upon contacting customer service, I was informed that identity verification was required. Specifically, I was asked to provide a driver 's license, which I do not possess as a XXXX student. Instead, it was agreed that a case would be set up to verify my phone number ( XXXX ). 

I have patiently waited for over XXXX business days, only to receive the same response from customer service stating that they are unable to verify that the phone number is under my name. This has resulted in a frustrating and seemingly endless loop with no resolution in sight. 

Given the urgent nature of my financial needs and the lack of progress in resolving this matter, I am requesting the immediate unfreezing and closure of my account. I expect the full balance to be returned to me promptly. 

Please consider this matter with the utmost urgency and provide a resolution at your earliest convenience. If further verification is required, I am willing to provide alternative forms of identification or documentation that are acceptable within your verification policies.
Consumer complaint received 2023-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KY)

XX/XX/23 I was approached at a gas station by XXXX XXXX while traveling through XXXX Kentucky. 
Under the false pretense of having lost his wallet, and needing gas money to travel to Florida- he offered to sell me the items mentioned below. 



{$450.00} USD wired to XXXX XXXX on CashApp - alias XXXX  XXXX in exchange for two XXXX gold rings, and two XXXX gold necklaces. 
Further examination, and similar reports have lead me to the conclusion that the gold jewelry is fraudulent. 

XX/XX/XXXX - XX/XX/XXXX Attempted to request refund from XXXX XXXX, with no response. 

XX/XX/XXXX Contacted CashApp to report fraudulent activity, with no resolution or restoration of monies.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

When looking on my credit I noticed that SYNCB/Synchrony MC decreased my limit by {$3500.00}. This dropped my credit by 33 points. It states that this credit limits as of XX/XX/2019 was XXXX and then as of XX/XX/2019 it was XXXX. I contacted the credit company and they stated that did not do anything to my account and it actually was due for an increase limit if I wanted. I am in the process of buying a house and this is detrimental to my loan. Please fix immediately.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit card usage account information from XXXX XXXX. 

XXXX XXXX -Last reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXX-Last reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXXLast reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXX XXXX XXXX  -- Last reported XXXX XXXX, XXXX transferred to XXXX XXXX and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX  XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called the credit bureaus and ask them to remove some personal information off of my credit report they removed some but some personal information is still not off. I also sent letters on 3 separate occasions and some personal information is not off as I requested. I want my personal information removed and updated.
Consumer complaint received 2024-08-15
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. (IN)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.