davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Marcus by Goldman Sachs is in the habit of freezing my account when I initiate withdrawals. They don't honor the withdrawals despite confirming the external accounts during setup and by phone to the external bank. This has really disrupted my flow of cash to meet my various financial obligations such as paying my rent on time. This has happened more than twice within one month. I have called to resolve this problem. They promised it would not happen again, but lo and behold, it happened when I tried to withdraw huge sums of my money ( {$3000.00} ). I have read similar instances online about this bank and ignored it to my detriment. I want to love this bank but I have come to the conclusion that this bank is intentionally holding people 's money and frustrating their efforts to withdraw from their savings account. These are very fraudulent and unfair practices that GS is engaging in. It is surprising that a bank and organization of this stature can be doing this. Very disappointed. I have stopped depositing my paycheck into the account and can't wait to withdraw all my money and close the account.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (CA)

Citibank called me today to tell me my free savings account was overdrawn. I asked how could it be overdrawn. Citibank said that my free savings account now cost {$15.00} per month. I told them I was not going to pay this fee and they can close the account. 

I have an existing business account and Citibank solicited me to open a free checking and savings account because of my business account. Citibank started charging fees for my checking account without notice. Citibank stole all the money out of my checking account and said they would refund only {$75.00} to me which they never refunded. Now the same game with the free savings account.
Consumer complaint received 2024-08-21
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. (LA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX-XXXX Account Name : XXXX Account Number : XXXXXXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TN)

On XX/XX/year> I used my Cash App card to check into XXXX XXXX. I checked out of the room on XX/XX/year>. As of today XX/XX/year> the pending hold of {$50.00} is yet to be refunded back to my card. The merchant has refunded the hold but Cash App continues to hold the pending charge amount to my card. I contacted Cash App on several occasions and they continue to refuse to release the funds. I have provided them with proof that there were no charges, by providing them with the actual receipt provided to me from XXXX XXXX and they continue to refuse to release the funds
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

On XX/XX/XXXX at approximately around XXXX I visited the 5/3 branch in XXXX, Sc on XXXX XXXX to deposit {$1100.00} through the drive through ATM. I did not receive a receipt so I went inside the branch to ask for a receipt. As soon as I entered and explained the situation I was immediately dismissed - he refused to help me and said 5/3 has nothing to do with what the ATM does. He even questioned as it as if I was lying about depositing money, didnt check cameras to verify - he did absolutely nothing to help me and referred me to the customer service line when I explained that they took my money and does it even show it in my account - again was told nothing showing call customer service and I hate to mention this but I almost felt as if my skin color was different it would have been taken more serious that XXXX just disappeared- nowhere to be found, nothing. I then called customer service and after several transfers reached XXXX the dispute manager - explained my situation and that this was my RENT money and I could be charged a {$100.00} late fee and I needed to know what can be done to access MY money that I deposited in THEIR atm. I once again receive no help and was told it didnt matter how long of a member I was and it was an unfortunate situation. I felt completely hopeless, I received 0 help and no one in 5/3 can tell me where my money was at but XXXX made sure to tell me if this was fraud they would close my account immediately and charge me all these fees so it made me feel as if I was looked at as an immediate liar but the cameras will show me there depositing my money. Times are rough. I have a family to take care of and I dont know what else to do. Thank you for your time!
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

Last fall I opened a Venmo account because some customers prefer using it to pay for my services. Aside from a couple small payments totaling {$570.00} last fall its been dormant. Two weeks ago I received a payment for {$1300.00}, and a week ago another {$1300.00} was received. 

The Venmo app wouldn't allow me to log in from my cell phone. I've restarted the phone several times and reinstalled the Venmo app half a dozen times. I always get a " OAuth2 Exception '' message. 

So I tried logging into the Venmo site using my laptop, which works 50 % of the time. When I can get in I see the four deposits totaling {$3200.00}. I can use the " Transfer balance '' button. I can manually input my routing and account numbers. But after pressing " Save and continue '' I get a message saying "! Something went wrong. Try again. '' I've tried dozens of times. 

I've made numerous phone calls to Venmo at XXXX, but not once have I been able to locate a human being. And the XXXX XXXX is no help at all. 

I've tried sending from my Venmo account to another Venmo account, but it won't allow me to without changing settings in the app. Except I can't access Venmo via the app. 

So, in short, the app doesn't work, transfers don't work, payments don't work, emails don't work, the XXXX XXXX doesn't work, and I have no evidence human beings work there. However, they do work at the sister company XXXX, where I wasted XXXX minutes moving up the supervisor ladder in search for an answer. 

Hopefully, Venmo will respond to you.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX Number XXXX Original Creditor XXXX XXXX XXXX XXXX A Please provide verified information from original creditors
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> we visited the Wellsfargo XXXX XXXX branch. The banker instructed my wife to do the wire on her own phone as it was cheaper that way, the banker overlooked instructions provided and had my wife sent the wire to the beneficiary 's bank swift instead of the third party vendor swift. The beneficiary 's bank can't receive any us dollars there and never received this wire. the wire was clearly rejected in the Wellsfargo payment tracker XXXX XXXX XXXX  We have called numerous times to Wellsfargo customer service, wire dept service, corporate office customer service. People create claims, then we call back and learn claims were created incorrectly, then investigation keeps getting delay. The wire never left Wellsfargo but keep saying we have to wait 30 days. They made this mistake and are not doing the due diligence to fix an error they caused.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (GA)

Account opened- XX/XX/2024 Original balance- XXXX Balance- XXXX I have NOT applied for a line of credit in a while now I was notified by an alert of this account appearing on my credit report and it does NOT belong to me
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

The Final Straw Came when I called LVNV Funding to try to get an understanding of why they were reporting on my credit report. As of XXXX, when I called the representative confirmed that they did not have any information on this alleged Debt which is why they couldn't send me anything in writing about it. However they are still reporting this error on all three credit bureaus harming my credit scores.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (NJ)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I called Wells Fargo to request an escrow analysis and to pay for my XXXX monthly payment. I spoke to agent XXXX and we agreed to phone payment in the amount of {$1600.00}. Well on XXXX  the XXXX of XXXX Wells Fargo tried to cash {$4500.00} which my bank declined at XXXX, but the following day since my direct deposit kicked in Wells Fargo ran the payment again and XXXX time it cleared. I called my bank XXXX  XXXX and they confirmed they paid Wells Fargo as a courtesy to me. I contacted Wells Fargo and spoke to more agents and finally asked for a manager and XXXX was supposed to escalate my refund request for the difference that I was charged. I called today XX/XX/XXXX and still no refund spoke to XXXX and he could not see any refund request. Manager was supposed to escalate it never happened. Only request was {$90.00} for the over draft fees which I have I been charged even more.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CO)

In XXXX we had a XXXX  plan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). It cost $ XXXX. For the XXXX plan year it increased to $ XXXX. We did not renew the plan, and never paid a binder payment for XXXX and the plan we never in effect. We have contacted XXXX many times and were reassured it was taken care of. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector ) has contacted us to collect {$1400.00} for XXXX XXXX premiums for XXXX. 

We provided XXXX XXXX XXXX XXXX XXXX, which shows we had a marketplace plan in effect with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for XXXX of XXXX months in XXXX. XXXX XXXX received {$8400.00} in federal marketplace subsidies from the federal goverment under this plan. 

XXXX XXXX has also collected a similar amount from the federal government. This is illegal. It is impossible to have two plans in effect at the same time. Despite being informed many times, XXXX XXXX continues to attempt collections. 

We have received a letter from XXXX that negative information has been added to my credit bureau account regarding this invalid debt. 

XXXX XXXX has become unresponsive to our further attempts at resolving the issue and will not provide documentation. 

A dispute with XXXX XXXX Collections was submitted, however they have not responded to our dispute.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Hi there, I opened a checking account with US Bank that had a {$500.00} bonus with a direct deposit requirement. I have already fulfilled the requirement over three months and have called customer service many times. They said that, on their end, I qualify to receive the bonus. However, after waiting two more months, I still have not received it. This has wasted a lot of my time.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NY)

XXXX v. LVNV Funding, LLC XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : The court denied LVNV 's motion to dismiss, allowing the plaintiff 's FDCPA claim to proceed. The plaintiff alleged that LVNV had failed to provide proper debt validation and had attempted to collect a debt without proper documentation. 

NO PROPER DEBT VALIDATION
Consumer complaint received 2024-06-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( XXXX ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX  If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (MD)

XXXX XXXX is saying i have a unpaid balance of {$3000.00} when i dont even have a account with them i have my own phone i had for over 2 years. It messed up my credit extremely. It says i opened the account XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TN)

Today I reviewed my credit report and discovered that this company has reported that i owe the a debt. However, I did not receive any written notice from them within XXXX days of their initial contact, which should include the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt within XXXX days. 

Violation of FDCPA : According to Section XXXX ( a ) of the FDCPA, debt collectors are required to send a written notice within XXXX days of the initial communication. This notice must inform me of my right to dispute the debt and request verification. [ Debt Collector 's Name ] has failed to comply with this requirement. 

Impact on Me : Due to the lack of proper notification, I have been unable to exercise my right to dispute the debt or request verification, which has caused undue stress and confusion.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/2023, I requested my Capital One credit card be cancelled because of a chance of it being compromised. At the same time, I requested a new card be issued to me. After waiting for over a month for the card ( which never came ), I called Capital One to find out why it was taking so long. I was instructed by a customer representative ( a different one each time I called who was hard to understand because of a language barrier ) I needed to send proof of my address using a copy of my driver 's license to prove I was who I said I was as well as my address. When I called to follow up on the status of when I'd recieve my card, I was repeatedly told that my driver 's license was a blurred copy and to send another copy. This has been going on since XX/XX/2023. Each time I corresponded with them, I would be given a different case number. I'm still paying my Capital One bill each month- that seems to make it to my mailbox with no problems at all even though I don't have the benefit of using the card in emergencies. I'm a XXXX XXXX XXXX on a limited income. This is taking a toll on me-please help me resolve this issue.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I checked my credit and saw an account from I C SYSTEM INC on behalf of XXXX XXXX XXXX for {$2000.00}. I contacted XXXX XXXX XXXX  was told an account was fraudulently applied for and several phones were purchased. The bill was never paid and the account was charged off. I filed an FTC report for identity theft.