davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank has put a hold on my checking account. They want to verify my trust information. I have provided this information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Every time they say they have enough information and that the back office has to review it. Every time I went into the branch office I took my entire trust document to them. 
I have money in the account just can not write a check or pay bills on line from that account. 
I have talked to the local branch manager who seems to be trying to resolve this issue but she can only send messages I am told. She seems to think they have the documentation that they want and says they have approved it but is still waiting for the restriction to be lifted.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally lodge a complaint regarding the ongoing issue of incorrect personal information on my credit reports with all three major credit bureaus : Equifax, XXXX, and XXXX. Despite multiple attempts to rectify these inaccuracies, the incorrect information remains, causing significant distress and inconvenience. 

Correct Information : Name : XXXX XXXX  XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Information to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Names : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> 1989 XX/XX/year> Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Employers : XXXX XXXX XXXX XXXX I have contacted XXXX credit bureaus XXXX times to correct this information but have not received a satisfactory resolution. This persistent inaccuracy is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) : The obligation of credit bureaus to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S.C. 1681s-2 ) : The duty of furnishers of information to provide accurate information and correct any inaccuracies. 
These inaccuracies have impacted my ability to obtain credit and caused unnecessary stress. I kindly request the CFPB 's intervention to ensure that the credit bureaus comply with the FCRA and correct my credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (PA)

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (FL)

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, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing a complaint regarding a credit card dispute with Capital One. On XX/XX/scrub> 2024, I reported a fraudulent transaction involving a {$2500.00} payment for a motorcycle that was never delivered. The payment was made to XXXX XXXX XXXX, and I have provided all relevant documentation, including an invoice and communication with the seller, to Capital One. 

Despite my repeated follow-ups, Capital One denied my dispute on XX/XX/year>2024, without providing a clear explanation. I was informed that the case could not be reopened or appealed. I have called Capital One 11 times, each time being told to wait longer, but no resolution has been provided. The bank has also failed to send me any notification of the denial or the reasons behind it. 

Branch Ambassador : XXXX XXXX, Capital One N.A., XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX XXXX is the one hwo helped me to and he said that he dose not know anyone with that name XXXX in florida or in XXXX disput and gave me the clam nubers and here are the claim numbers XXXX  XXXX XXXX XXXX third XXXX Motorcycle Website : XXXX XXXX XXXX XXXX named XXXX the scammer he has the same addras as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX everything included in the pictuer that i uploaded XXXX of Motorcycle Website : XXXX XXXX is real general sales XXXX the i have talk to phone # XXXX XXXX XXXX or XXXX XXXX XXXX XXXX email XXXX location XXXX XXXX XXXX XXXX, XXXX, IL XXXX I am seeking assistance from the CFPB to resolve this issue, as Capital One 's handling of my dispute has been unsatisfactory and lacks transparency. 

Attachments : all the information is uploded
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

In XXXX I opened a Home Depot credit card to do repairs on the house with multiple promotional balances from 12 months from 18 month I was aware of promotional balances coming due, but since I do not receive paper statements, I would just rather call and talk to credit services and get an exact date that the payment needs to be made Ive been calling since XX/XX/XXXX I always receive a foreign call center. Youre more than welcome to have Home Depot pull the calls. They dont not understand when Im talking about when it comes to promotional balances.

Even today I asked for a manager I got somebody in XXXX XXXX with dogs barking in the background like usual its either dogs babies or TVs blasting. This is unacceptable when youre calling about something is important is your credit? Listen to the phone from dogs barking. This is supposed to be a manager. Im asking why After calling since XXXX, I never got notified of the promotional balance ending when Im signed up for the emails and Ive been calling for the past 56 months and I asked for a management to call me back. How crucial was no one ever calls me back and Im set up on automatic payments so my account just gets paid. 

My bill is {$70.00} more a month now This is not fair to the consumer I even asked the supervisor that I spoke with today If she understood what I was saying about the promotional balance, and if she understood the words, I was saying, I could hear the translation machine in the long pauses before she answered. Her answers had nothing to do with what I just asked. 

This is what Ive been dealing with Home Depot services and it has cost me {$500.00} unnecessary I want that money returned and I want to pay the promotional balance. I should be able to call in XX/XX/XXXX. Ask a simple question yes XXXX XXXX the promotional balance needs paid by XXXX date Paid and done with this is absolutely insanity
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I have a Slate ( Chase ) credit card and paid off a previous balance of {$220.00} on XXXX. This is confirmed by my bank ( XXXX ). Despite this, Chase, in a statement date of XXXX, over two weeks later, listed the previous balance as due on the current bill. Is Chase doing this nationwide as a way to solicit " cash advances '' from cardholders? If this is not illegal, it should be. I have been unable to resolve this despite three emails to this company, one to XXXX XXXX, chairman, XXXX XXXX XXXX, CEO, Slate Card services and XXXX XXXX, CEO, consumer banking.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MD)

About XXXX XX/XX/year>, my insurance company, XXXX XXXX, told me that, in Maryland, they use reports from LexisNexis Risk Solutions as part of setting insurance rates for my policies. Since I had previous unfortunate experiences with LexisNexis about XXXX to XXXX years ago, where their reports on me at that time contained inaccurate information which they would not correct ( such as listing residence addresses in towns I had never visited, let alone lived in ), I attempted to request a report online. The LexisNexis web site accepted my request ( although confusingly did not confirm it was received ), and eventually LexisNexis sent me XXXX letters, in response to my XXXX attempts to request my file, saying they could not verify my identity. I then called them, and, after a very long wait and provide a great amount of identifying information, was told I would receive a report. I received a letter yesterday from them, dated XXXX XXXX, giving a URL and PIN for obtaining an online report. When I tried to retrieve the report, their web site said they could not verify the PIN. I then called them at the number given on the web site, but the automated system would not connect me to an agent, so I called the number given on the letter, and was told that the URL and PIN would not work " on XXXX devices '', which seemed ridiculous. The agent claimed she would have a printed copy of my data sent in " XXXX to XXXX days ''. I had earlier written to LexisNexis on XXXX, and received a number for a dispute resolution office, so I called that number. That agent said that the previous agent was mistaken, and that they had had problems recently with bad PINs being generated some of the time, but she would arrange for a printed copy to be sent in " XXXX to XXXX  days ''. My experience gives the impression that LexisNexis is doing their best to frustrate people from obtaining a report, perhaps because they know they data is of poor quality.
Consumer complaint received 2024-08-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (VA)

General revenue is the collection agency that has reached out to me via telephone identifying themselves as a collection agency. I do not have an account with this collection agency. Therefore, I have asked them to deceased with contacting me until they can provide a validation letter of the this debt owed to General Revenue with my signature. As of yet, I do not have verification of this collection information and the collection agency failed to follow the FCRA federal laws. This collection agency is only reporting to one credit bureau XXXX, and XXXX for XXXX and XXXX. Therefore, the information is inaccurate. I am requesting a immediate removal from my credit reports.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX  weekend ( Friday ) of this year, I deposited a certified check ( {$24000.00} ) to my personal checking account at Bank of America in XXXX, XXXX. I was told by the teller that the funds would be available that night or the next day, Saturday. I check both Friday night and saw that the funds ( {$24000.00} ) were in my account and available to use. I then went to the same bank to the same teller and asked if the funds were there and I was able to use them. He said yes, they were there, the money was mine, and I could do what I wanted them. So I had him make out a certified check from my account of the same amount ( {$24000.00} ) to send, which he did. I then mailed this check to my client. 3 days later. Bank of America informed me that the first check was fraudulent and therefore the funds were not there. I was now in a major financial hole because of this bad check. To me, I have to believe my bank as they are the professionals and are there to protect me as well as following procedures. Not once, even after several inquires, was I told to hold off on the funds until the bank had cleared the check, but was informed that the money was there and there weren't any issues. I have had a major nightmare dealing with this as I believe it is up to the bank to let me know that certified checks need to be held for a certain length and not told it was good and I had the money in my account. I have contacted everyone from the bank branch manager to the President of Bank of America and they have all told me, it was my problem because I'm supposed to that the ceriftied check was good to begin with. I was told that the funds were only in my account as a loan until the check cleared. Totally news to me. I am not a banker, nor do I have any professional background in finance and therefore I put my total trust in my bank, which I have been a client with Bank of America for over 45 years. I don't know if this will do any good or if I'm even able to argue their answer, but I feel that since I was told, 3 times, by the bank, that the money was there, all was good, and I had nothing to worry about. I would love to have the bank not only acknowledge their mistake and take the right actions to fix my problem which would be to reimburse me. As of this writing, I have not heard from anyone from Bank of America and I feel that they have told their company not to talk to me for legal reasons. I do hope that I am not subjected to retribution for filing this report and would just like to see my side seen by a third party. Thank you and I do hope to hear from you.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (MN)

Bridgecrest Credit Company , LLC holds the loan for my recently totaled XXXX XXXX XXXX. My insurer, XXXX XXXX, issued 2 payments on XX/XX/XXXX, an electronic payment of {$15000.00}, and a paper check payment in the amount of {$2300.00}. The payment of {$15000.00} was credited to my account on XX/XX/XXXX. The paper check for {$2300.00} has not been cashed as of XX/XX/XXXX ; however, my loan balance has been increased by this exact amount, showing up as a returned to sender payment on XX/XX/XXXX. If these payments had been accurately credited, my payoff balance should be approximately {$2300.00} ; at this time, my payoff balance is currently being displayed as {$4400.00}. 

When I contacted Bridgecrest to see why they debited the {$2300.00} from my account instead of crediting the payment, the representative was unable to explain why this happened. He did verify that my account information showing in the app is incorrect, and stated this was because my account has been " placed for work. '' When I asked when I could expect that to be resolved, he stated that the account had been " placed for work '' for an unspecified and indeterminate amount of time. He informed me that I would need to continue making my regular payments toward the loan, or else I would be reported delinquent to the credit bureaus. 

I also requested details of the " work '' being done to my account, which the representative was also unable to provide. Further, he would not provide an estimate of how long this unspecified work tended to last on average. 

After this phone call I contacted XXXX and confirmed that both payments above had been issued on XX/XX/XXXX, and confirmed that the check for {$2300.00} had not yet been cashed by Bridgecrest. At this time, XXXX will not place a stop payment on this check, in order to allow Bridgecrest to process the payment without additional delay once they have resolved this issue. 

I believe that Bridgecrest is withholding the payment issued by XXXX in order to continue forcing monthly payments on the account at 21.072 % interest, which will prevent me from obtaining financing on a new vehicle. I would further be unable to obtain financing on a new vehicle if they were to report me delinquent on my payments, despite them already having received payment for almost the entirety of the loan. 

At this time, because they are refusing to report my loan balance accurately, I am unable to obtain a new vehicle as I can not project the amount of financing necessary to cover a small payoff balance.
Consumer complaint received 2024-08-27
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: Affirm Holdings, Inc (OR)

I purchased items from XXXX, but the quality of everything I bought was unacceptable and completely unusable. I requested a refund from XXXX, and a refund of {$39.00} was issued to Affirm on XX/XX/2024 ( proof of refund attached ). When I didnt see the refund applied to my account, I disputed the charge and submitted the proof of refund to Affirm. After 20 days, Affirm responded, claiming they have compelling evidence that I am still responsible for the payment.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

XXXX sent in XXXX XXXXXXXX withdrawal request from my REGULAR savings account, which was rejected. 
XXXX called to ask why it was denied. They said my account was 'under review ' but REFUSED to tell me why. Said I couldn't access the money until they had 'reviewed ' the account and that it would be 3-7 days. NO explanation of why my account is frozen. 
XXXX email from Marcus stating to call them. When I did, and upon giving my personal information to identify myself ( birthdate, social security number, who I live with, and a previous address ), they said I 'failed the authentication test '. This is impossible as I gave them the FACTS of my life that they asked for. They wouldn't tell me what I supposedly got 'wrong '. They immediately said the only way to authenticate me is to send me out a packet that I have to fill out, notorize and send back. I would receive it within 7-10 days. 
XXXX Still NO packet. I called stating I want access to my money and now want to CLOSE my entire account. XXXX said no supervisors were available until Monday, and reiterated what had previously been said. She said she'd try to reauthenticate me another way ; by sending a code to another phone number ( I only have one cell phone number, like most people ), and then asked what state my driver 's license was issued in. When I said, New Jersey, she said, 'no, that's not a state that we can work with. Additionally, she said that on her end she could see that the packet was sent to me, but again I told her I never received it. She said when I do receive it and send it back, it'll take another additional 10 business days on their end to process it after receiving it. So now their delay tactics have cost me an additional month 's interest that I'm losing due to not being able to invest in a much higher earning product. 
Note : I did a search for similar complaints against Marcus through the XXXX  and found dozens of complaints about Marcus holding people 's money hostage with false claims that they didn't pass the authentication. Too many to be a coincidence. 
XXXX Tried to access my account online to see any unauthorized activity that Marcus Goldman may have conducted, but now I have NO access to MY account ; Im completely locked out from even accessing it online! 
XXXX Still NO packet from Marcus Goldman in the mail ( XXXX business day now ).