davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I received a fraud alert txt from Chase Bank on XX/XX/year> at XXXX A.M PST informing me they had declined a transaction for XXXX XXXX XXXX in the amount of {$1100.00} and asking me if I authorized the following transaction. I immediately had responded back on XX/XX/year> at XXXX XXXX XXXX said no and Chase bank had immediately informed they have declined such a transaction with XXXX XXXX XXXX XXXX  and closed my debt card and ordered a replacement card. Then Chase allows a fraudulent transaction to the same merchant XXXX XXXX XXXX XXXX XXXX  in a much higher amount of {$2600.00} on XX/XX/year> after I have informed Chase this is fraud. I immediately have filed a dispute to obtain my funds back from the following fraudulent transaction. Chase have provided me with a temporary credit and then reversed back the credit on XX/XX/year>. I contacted Chase Bank to inquire why they took away the credit and Chase informed me they are taking the credit back because their investigation they had conducted shows the card was used with a Pin number for the following transaction. I have informed Chase that I never authorized such a transaction and was not at the location and never used my pin number with that merchant on XX/XX/year>. In addition, I had asked Chase why would they allow such transaction to go through when I had informed them via txt this is fraud on the same date and for a smaller transaction amount. Chase never conducted any investigations on my dispute and simply took short cuts to blame me for such a transaction. Chase is conducting fraudulent business practices that is unethical and discriminatory to not conduct full investigation on my claim. I shared pictures of the date and time of the txt messages I had received that same day from Chase and still they are not willing to investigate and provide me with my money back. I have been in the financial industry for over XXXX years and I had seen many clients have experienced the same kind of fraud including pin.
Consumer complaint received 2024-03-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I opened a XXXX at 5.40 % on XX/XX/XXXX. It was set up to fund and they were going to take the money out of my XXXX XXXX XXXX account to fund this CD. I waited and looked for the deposit but it did not happen. I called them and we tryed this process several more times. Then on XX/XX/XXXX they told me to mail in a check to fund the account and gave me a po box to mail it to and told me to include the account number. I had called several times to see why they had not cashed my check the last time was on XX/XX/XXXX and I was told they still did not have the money to fund it. Then on XXXX they called me and said they could not deposit the check because the account was closed. At this point they said I would have to open another account and I requested the same rate. They said it had to go somewhere to get approval 7 to 10 days. I called them on XX/XX/XXXX because they cashed the check and I wanted to know where they put it since I don't have any accounts with them. Again the girl did not know and opened a case file. Then they called me back XXXX in the afternoon where I re-explained everything again to 3 other people, they called my bank and verified the check was cashed because they did not know where the money was. Now they filed another case file to ask the lost and found money department if they have the money and I am to wait another 7 to 10 days. This is just unacceptable. They don't even know where my money is at this point and I am just suppose to wait and see if they find it. This is terrible service and I told them I had the cancelled check and they didn't even ask for a copy of it. I feel someone should be helping me now and not making me wait and see for over a week.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NJ)

I opened XXXX XXXX XXXX XXXX XXXX Mastercard which is in partnership with Barclays on XX/XX/09. 
They advertise that as a part of getting approved for this card I will get complimentary gold status with XXXX. It takes 1-2 billing cycle to reflect. 
I never got that. They upgraded me to silver but not to gold as advertised. I checked my XXXX account and my Barclays account. 
I reached out to XXXX and they agreed with me but asked me to reach out to Barclays. I reached out to Barclays this morning and they agreed with me too and asked me to reach out to XXXX. I reached out to Barclays again this afternoon and magically I see my status on Barclays as Gold. However, my status is still Silver on XXXX. Two of the following possibilities : 1. Barclays and XXXX system don't talk to each other and they are not in sync even though its a cobranded card 2. Someone magically updated my status to Gold after my complaint but XXXX system hasn't reflected it yet as it may take few days for the updated information to reflect.

Either way I was incorrectly devoid of the Gold status that they advertised. I paid {$490.00} annual fees with the card too.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Over the past week I tried to set up an online account with Equifax in order to establish a security freeze. I did this easily with XXXX and XXXX. But I tried multiple times to sign up for an account over the past week and each time the website said access was not available. Equifax offered several paid account options, which I was not interested in, and made it difficult to find the free account option for setting up a security freeze. There was no phone number or other method identified on the website for setting up an online account to accomplish this task. It seemed like Equifax is only interested in setting up paid accounts, unlike the other two credit reporting agencies.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (VA)

Discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Sent notice to Navy Federal to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I, the consumer was not given an explanation of how I can exercise that nondisclosure option. Nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Deposited large check. Bank put hold on until XX/XX/XXXX. On XX/XX/XXXX the bank lifted hold. Later on XX/XX/XXXX bank decided to hold again for another week ( total 8 days ). I was notified by emails. I wrote directly to them to decease and take off hold on XX/XX/XXXX. Also I call Federal reserve & " you '' to file complaint. On XX/XX/XXXX before I filed form ( this one ), I attempted again with the bank to resolve. After 15 minutes of hold time with the hold department, they claimed they would release check. I checked account online and check was released. However! ... 2 hours later the bank notified me via email that now my account is locked down until mid next week! So they appeased me in releasing the check but realistically they came in sideways and played with my account! The supplier of the large check has been notified and fully made statement that the check is solid with no problems and they released it on their part. So my bank is holding my account up for what reason?!! Not understanding due to my credit status has been impeccable!
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (GA)

I'm reopening this complaint against them because obviously I have to add more proof and the company keeps just sending me letters saying this debt is valid we have verified it that doesn't show me nothing and they can't prove anything with their lives all they do is change the narrative based on what they think I have proof of and that's absurd not to mention I have people calling my house asking me what my address is and what my birthday is clearly to verify that that is not mine. Thankfully I have proof of everything.
Consumer complaint received 2024-03-13
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: Shellpoint Partners, LLC (CT)

I have disputed this account XXXX reported by NR/SMS/XXXX aka NewRez dba Shellpoint Mortgage Servicing to let them know that I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 6802-obligations with respect to disclosures of personal information. So I am taking this complaint to the CFPB for remedy pursuant to 15 USC 6805 to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate reporting and breach of my consumer privacy.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (TX)

Hi make Wise Business account for my online remittances. but without any notification and any warning they close my account. At the time of making account they charge me XXXX $ as there fee. I am using that account for my online services. I made my account on XXXX XXXX and at the date XX/XX/XXXX when I am try to login its shows your account is deactivated. Next day I make appeal on that but today I get E-Mail that we cant open your account and also we didn't let you know the reason
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CO)

I contacted the Collection Agency- Jefferson Capital- on XXXX XXXX 2024XX/XX/year> for more information, but I was given a different phone number for my account XXXX. I called this phone number and asked for a statement of account and I was told my account is on dispute and XXXX will sent me the information I need since they do not have it. I gave it a couple of days but still nothing. I called XXXX XXXX again on XX/XX/scrub>XXXX XXXX  2024, for an account summary and I was told I should receive the documents I requested by Friday XXXX XXXX 2024. On XX/XX/XXXX I still did not receive anything and I called XXXX XXXX again. The representative was able to locate my account and told me it is in dispute. I agreed and ask when will I receive the documents. The representative said in a week or two and he can not provide a time frame and just wait. I notified the representative that I have been waiting and I want to see the documents. I was asked by the representative if I want him to put in another dispute. I notified the representative that my account has been put on dispute two times already and nothing came out of it. I just want to see if this account is accurate but XXXX XXXX is making this difficult.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Went to the Citibank on XXXX with my father [ XXXX XXXX ] to open a checking account. My father had Four-Certificate Checks each check was in the amount of {$2000.00} for a total of {$8000.00}. Note my father was listed as both the purchaser and The pay to the order on the checks Because the checks were made out to my father and not my name the bank president said we could deposit the checks but both parties would need to be present and bring identification We proceeded to Citibank showed our ids deposited the four checks and was told because they were certified checks all {$8000.00} would be available the next day or XX/XX/XXXX So when we could not access the account the following day [ XX/XX/XXXX ] we contacted the bank who said account was closed for fraud and it would be 60 days before our funds would be returned to me. 

I have uploaded all documents as well for your review. Please help me to get my money returned to me XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

{$200.00} Vanilla Gift card was purchased for a friend in XX/XX/XXXX. 
When the friend tried to use the card, they were unsuccesfull. 
I contacted customer service at XXXX. 
A replacement card was mailed and received ( last 4 XXXX ) Tried 3 times to use the first replacement card at my dentist 's office. 
Card was declined everytime. 
Spent hours on hold with customer service who provided me each time with the steps I needed to follow to use this card. Card continued to be declined. 

Contacted customer service a 4th time. 
Told the card ( XXXX ) was corrupt and that they would issue me a second replacement. 
Three weeks later ( when I returned from a trip ), no card. 

On XX/XX/XXXX, I contacted customer service again. 
They confirmed the second replacement card had never been issued. 
They said they would request the second replacement card. 

Asked to speak to someone in escalation. 
Fourty-five minutes later, was told after multiple explanations ( 15 minutes!!! ), a new card had been requested XX/XX/XXXX, but there was no way to confirm this. 

Asked to speak to someone in management. Was put on hold and then the call was disconnected. 

IN A NUTSHELL, TWO SEQUENTIAL CORRUPTED CARDS ( PERSISTENTLY DECLINED ), FAILURE TO SEND REPLACEMENT, MANAGEMENT CAN NOT BE REACHED TO SOLVE THE ISSUE.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Citibank lowered my credit limit on my credit cards without my knowledge, which made my card utilization increase, ultimately negatively impacting my credit score. There was no reason to change my credit limit and I want my credit limits on each card restored.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

I disputed my student loan with XXXX. I stated that my loan was supposed to be discharged and completely removed from my credit report by XX/XX/24 by court order from the case XXXX XXXX XXXX. I included the letter stating that I was a XXXX XXXX XXXX of the case and that my loans would be : discharged, refunded, and completely removed from my credit by XX/XX/24. 
Navient student loans still appear on my credit report with delinquent payments. They show a balance of {$31000.00}. They responded to my dispute saying that they had updated the information I requested, but nothing was changed. The balance still remains and the credit line and complete history still show in my report.

This has been hurting my ability to get a loan and a mortgage for over XXXX years now. It was finally supposed to be removed by XX/XX/24 and it has not been. The Dept of Education and all XXXX credit bureaus are now in breach of that court order. I have submitted disputes directly with XXXX and XXXX but have not received responses yet. 
XXXX did reply and said it was resolved but did not resolve it at all.
Consumer complaint received 2024-06-10
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. (CA)

I have repeatedly contacted your bureau about my identity theft situation, yet my concerns remain unresolved. 
Despite submitting the required FTC complaint, this fraudulent account remains on my credit report. I have contacted the associated company, provided the necessary documents, and had the account deleted from their records. Other credit bureaus have also removed this account following the FTC complaint. I am questioning the verification process your bureau used to continue reporting this fraudulent account. 
I am once again disputing the fraudulent entries affecting my credit file : XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

Equifax is reporting " Date Major Delinquency 1st Reported : XX/XX/XXXX and XX/XX/XXXX '' for accounts that were closed in XXXX. This is negatively affecting my FICO score as they appear to be recent derogatory marks. I AM NOT DISPUTING THE INFORMATION THE CREDITORS ARE REPORTING. I am solely disputing the way Equifax is reporting. This is NOT referring to " Date of First Delinquency ''. This is solely referring to " Date Major Delinquency 1st Reported ''. This has nothing to do with the original creditors. Equifax is the only credit bureau to have this field on their credit reports. I would like this field to correctly reflect the fact that these delinquencies were first reported in XXXX. I have submitted two complaints so far. Equifax initially removed the date for XXXX XXXX, then a month later they readded the incorrect date. For XXXX they literally did nothing and closed my complaint. Please do not contact the original creditors in regards to this complaint, because I am not disputing the information they are reporting. This is solely an internal issue with the way Equifax reports items. Thank you.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has continously violated my rights of privacy per Privacy Act of 1974, failing to complete proper investigation, not following written instructions given by owner of consumer file, and fraudulently reporting inaccurate information 15 USC 1681e compliance procedures ( b ) accuracy of report. In addition to the following violations : Violation of FERPA, 20 USC 1232G 34 CFR PART 99 15 USC 1681m ( cii ) nondisclosure of transactions and experiences. This has caused high levels of stress and impacted my abilities with receiving assistance for household purposes. The following accounts need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not given transunion consent to obtain or disclose any of my information. However, this company has assumed this role, therefore, deemed as identity fraud.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Loan Center, Inc. (GA)

Yesterday I received several calls warning me that I needed to speak to this debt collection company on behalf of the debt collector that day I pressed zero to talk to the company and it rang and rang and rang and never got anybody the first time the second time it finally got to somebody who had no idea why I was calling after checking on it they said that I owed from a loan taken out in Tennessee in XXXX I've lived in Georgia since XXXX it had my Georgia number but my address in Tennessee from XXXX that I have no access to at first I thought possibly my mother did this until I heard that it had my actual phone number then I was positive they are just lying this is absolutely 100 % false statement from them not only this but they continually send me emails asking me to get a loan my proof will be one of those emails if I already had a loan and didn't pay it why would they continually be sending emails to get a loan come on now that makes no sense not only that but I'm fairly certain that they got my information from me filling out a loan request for them but not taking it possibly in XXXX I did not like the times and I never would have agreed to it I have never taken out a loan from them that is not true something has got to be done about these companies getting away with this stuff I am positive that I'm not the only one that they've tried this to and I guarantee several people are probably fallen for this XXXX this is not the only company doing this XXXX every credit card company on my credit report falsely claiming I haven't paid them has been paid and overpaid why are they not getting in trouble for this something has got to be done about this
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (NJ)

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company CCI has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.