davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
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. (GA)

Mr. XXXX is the victim of identity theft/fraud resulting from XXXX Dept of Social Services and 42 U.S.C. 654 ( 3 ) or ( " Child Support Enforcement '' ) misappropriated his good name, likeness, image and biographical facts in order to achieve federal funding. The defacto agency unlawfully obtained and used his confidential and personal information in making a fraudulent account '' XXXX ''. ( " Child Support Enforcement '' ) and XXXX Law Dept or Corporation Counsel admonition before United States District Courts, willfully and wrongfully entered default judgment ; while Mr. XXXX was in the XXXX XXXX in violation of SSCRA Act. XXXX Support Collection Unit Supervisor XXXX XXXX, Collection Representatives Mrs. XXXX and XXXX XXXX, conducted an intrusive investigation into facts, through discovery affirmed XXXX Unified Court System ; Family Court of XXXX XXXX and Hearing Examiner ( Surrogate Judge ) XXXX XXXX XXXX filed a false petition, resulting in violation of SSCRA protected member rights and cause of damages to date. Experian negligentlyviolatedboth 1681e ( b ) and 1681iInaccurate credit reportsdirectlyimpair my banking and credit ; 1681g and 1681e ( b ) in violationsof Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) not permanently remove the fraudulent account.
Consumer complaint received 2024-09-19
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: JPMORGAN CHASE & CO. (NY)

I gave access to my card to my girlfreind as an authorized user. She was removed as an authorized user about XXXX  years ago. When she was on the account, she signed up for a recurring annual subscription. I was charged again recently. I don't see how I can responsible for a charge occurring now when she was removed XXXX years ago. If anything, I have been defrauded by ex-girlfreind.
Consumer complaint received 2024-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (TX)

Affirm is alleging I owe a debt that I have no knowledge of. I have previously requested that they provide me with proof that there is an agreement between them and I that states I have an obligation to repay this allege debt. Until then they should cease from reporting this account to the consumer agencies.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

PAID OFF MY ACCOUNT. PAYMENT WAS HELD FOR 13 DAYS. COMPANY COULD SITE NO REASON. HOLDING THIS PAYMENT IS IN CLEAR VIOLATION OF THEIR WRITTEN CARD POLICIES I WAS GIVEN. I CHOSE TO OPERATE WITHIN THEIR RULES AND I GET REPAID BY HAVING MY MORTAGE BE LATE. THIS WAS CAUSED BECAUSE OF THE HOLD RESTRICTING MY USE OF SOME OF MY BALANCE ON THE CARD TO MAKE THE PAYMENT. THIS COST ME A {$300.00} LATE FEE. I CONTACTED THE CARD COMPANY MULTIPLE TIMES. OFFERED TO SUBMIT A STATEMENT FROM MY BANK BRANCH MANGER SHOWING THE PAYMENT CLEARED AND WAS IN THIER POSESSION TWO DAYS AFTER BEING MADE. THEY WERE NOT INTERESTED AND TOLD ME TOUGH LUCK. CHANCES ARE WE MAY DO THIS EVERY MONTH. I TRIED TO SPEAK WITH SOMEONE HIGHER UP, BUT WAS TOLD NO PERSON WAS OR WOULD BE AVAILABLE.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

On XX/XX/year> I ordered XXXX XXXX, totalling {$61.00}, for my family. XXXX was in charge of delivering our order even though I ordered our food directly through the XXXX XXXX app. When the XXXX driver arrived to deliver the food, I immediately noticed something was wrong. We ordered a lot of food and the driver only had XXXX bag that had no delivery seal over it. I immediately asked the driver about the amount of food and he claimed that when he arrived they were looking over the order to make sure everything was correct so he assumed it was. Upon checking my order I found all of our food was in fact NOT delivered. We were missing a lot of food and it was obvious that the XXXX driver stole some of our food. I contacted XXXX and they setup for the entire order to be re-delivered because of our order missing items and the unsanitary nature of thr DoorDash driver going into our food bags to steal the food. I also putbin a complaint against the driver. When the XXXX XXXX driver arrived at XXXX to pick up our order, none of it was ready. When I was speaking with the driver on the phone and he was relaying information and questions, the XXXX XXXX workers claimed they never received a transmission to redo the order and they couldn't re-make it. The XXXX XXXX driver apologized and suggested I contact XXXX for a refund. I contacted XXXX for a refund, however they could not refund me because they did not take the payment. I reached out to XXXX XXXX several times that evening. There was no customer service phone number provided and on their app the only form of contact provided is email. I sent them several emails regarding what happened and they only offered {$15.00} off our next order. This was unsatisfactory being that more than {$15.00} worth of food was stolen and we couldn't eat any of the food being that the XXXX  driver went into our bag of food. I let them know I would be disputing the transaction with my bank, CHIME. I disputed the transaction immediately upon it posting. Chime has denied this dispute twice. The first time it was denied, they claimed it was because of the reason I selected for the dispute. The representative suggested to me to change the reason for the dispute and resubmit it, which I agreed to did and did. They then denied my claim for a XXXX time. I provided all of the information they requested, including screenshots of communications. I submitted a complaint against them via the XXXX  and they still continue to deny me of my funds that I have every right to and they are legally obligated to protect. They claim they did an investigation, which simply isn't true. If they did an investigation then I would have my money back in full. My food was stolen. My money was stolen. I AM THE VICTIM! This has done nothing but caused emotional and financial distress.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

My old CFPB case number is XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. Please call me at XXXX I still need help closing my account out I never received the code in the mail still please resent it to me. Please close my account and send me proof when it is closed and my contact email is XXXX please email me back please resent me the letter I never got it to XXXX XXXX XXXX XXXX PA XXXX thanks please.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CA)

I received a series of emails indicating that an account had been opened on Chime. The email address is a very old one that I never use. I never opened any account, but in order to report it the company says they have to verify my identity with personal information, which I will not do. They indicated that a debit card would be sent to me, and indeed I received it today XX/XX/24, It included a mail back coupon to have direct deposit set up with XXXX XXXX, which is tied to Chime.
Consumer complaint received 2021-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase you have hijacked my funds in pending status they do not offer me the opportunity to cancel the transaction nor do they give me a hash, when I contact customer support they ask me for the hash that I do not have it is as if they have me in an unknown state, meanwhile I can not see my crypto while I see how my money devalues The transaction hash : you did no give me one yet, Case # XXXX - Transaction is pending for over 8 Hours Thanks for contacting Coinbase Support. 

It appears the information you provided might be incorrect for the transaction youre having an issue with. 

Please resubmit your request and make sure you enter : The exact transaction amount The transaction hash The email address associated with account for the transaction We require this information so we can clearly identify the issue. 

To learn how to find your transaction hash, please visit : https : //help.coinbase.com/en/coinbase/getting-started/crypto-education/what-is-a-transaction-hash-hash-id? ref=es If you didnt need help with an on-chain cryptocurrency transaction, please double check what you select in your next support request. 

Thank you for understanding. 

Regards,
Consumer complaint received 2024-08-07
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: EQUIFAX, INC. (PA)

I am writing to file a formal complaint against Equifax regarding their handling of fraudulent information on my credit report. Despite my repeated attempts to resolve the issue, Equifax has failed to take appropriate action. 

In XX/XX/XXXX, I first contacted Equifax to dispute a fraudulent account with XXXX XXXX XXXX, as well as a fraudulent address and employment listing under the name XX/XX/XXXX with the address XXXX XXXX XXXX, XXXX,XX/XX/XXXX 

In XX/XX/XXXX, I was informed by a representative of Equifax that the disputed information had been verified. Shortly thereafter, I noticed that the fraudulent account was closed. 

However, in XX/XX/XXXX, I discovered that the fraudulent account had been reopened on my credit report. I sent another letter to Equifax along with a new police report, requesting an investigation and removal of the fraudulent information. Once again, I was told that the information was verified and the fraudulent account remains on my report. 

I have serious doubts that Equifax conducted a thorough investigation into my dispute. Their failure to remove the fraudulent information after more than 30 days constitutes a violation of my consumer rights under the Fair Credit Reporting Act. 

I am requesting immediate action to remove the fraudulent account, address, and employment information from my credit report. This is a violation of 15 USC 168117. If this issue is not resolved promptly, I will be forced to consider legal action to protect my rights. 
Account Name XXXX XXXX XXXX Account XXXX Tracking No. for last mailed doc- XXXX Thank you for your assistance in this matter. I look forward to your timely response.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

On XX/XX/year>, I filed my 1st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws EXPERIAN has violated. 

On XX/XX/year>, EXPERIAN responded with a VERIFIED AND ACCURATE response to my 1st complaint REPORT # XXXX On XXXX XX/XX/year>, I initiated my 2nd complaint with the CFPB ( Complaint ID XXXX ) asking EXPERIAN to send XXXX their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my 1ST complaint with the CFPB. 

On XX/XX/year>, EXPERIAN responded again with a VERIFIED AND ACCURATE response. 
REPORT # XXXX Today XX/XX/year> I am requesting for the 2ND time for EXPERIAN to provide me with your METHOD OF VERIFICATION in accordance with FCRA 611 ( 15 U.S.C. 168i ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


Once again, I am writing to request the method of verification for dispute initiated and the subsequent response received. The following accounts remain on my credit report, and they should be deleted. 
XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX EXPERIAN why have you not followed procedure in providing me with the original contract proving these accounts belong to me??? Furthermore, EXPERIAN you are in violation of Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), requires that [ w ] henever a [ C ] onsumer [ R ] eporting [ A ] gency prepares a [ C ] onsumer [ R ] eport it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The reporting of these accounts are inaccurate.

Provide me with your METHOD OF VERIFICATION or delete these accounts ASAP
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CRESCO CAPITAL INC. (TX)

I have been going back and forth with this company reporting many errors to my credit report and the credit bureaus seems to always contacting the company in question and verifying the information even though it has and still being reported incorrectly. 
I believe this is an act by XXXX XXXX to intentionally cause harm to me and my credibility. 

They are reporting that I had a highest balance of {$560000.00} which I had no such balance ever. And XXXX XXXX themselves, told the CFPB and I think the BBB the financial transaction they and I had. This reported highest balance is an error. There were never a balance that high. How can the highest reported balance be more than the initial amount XXXX XXXX XXXX alleged they lent me? This has never once been mentioned in the correspondence that XXXX XXXX sent both the BBB and the CFPB. I want them to be deleted from all my XXXX credit reports immediately for reporting errors. 

By law, this is not allowed and is against the law. 

Kind Regards, XXXX, XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

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

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

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MO)

I made a purchase online after receiving several print and email advertisements for XXXX  % XXXX  months for purchases over {$1900.00}. I made a purchase for {$2400.00} and entered everything I thought they needed to make that happen at time of purchase on XX/XX/year>. I logged into my credit card account today and notice that I only have XXXX months no interest for that purchase. I write a message to support and they respond with a lengthy message that inevitably leads me to hand typing in information that they already have so that I can request the terms I thought I already signed up for. I type the information in exactly how they wanted it, and then they respond with telling me to go somewhere on their site to look for a phone number to support so that I can call and speak to a representative. I call the phone number after locating it and it is completely automated with no way that I can find to get anyone on the phone. Frustrated I go back to the site and send them another message demanding what they are advertising. I have been through this mess twice now, which seems illegal. I've played by their advertised rules twice, and each time they have made it extremely difficult to get what they are advertising.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NJ)

Goldman Sachs Apple Card received a payment for {$15000.00} from me when I contacted them saying that the money was sent by mistake and needed to be refunded to my bank account on file. However, they have repeatedly refused to refund that money saying I can use it for purchases from apple but I do not wish to.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NJ)

We have been using U.S. Bank for the last two years but recently received a large deposit of {$300000.00} from one of our sales. When trying to purchase equipment and pay for operating expenses U.S. Bank put our account and funds on hold/closure with no information as to why, when we will receive our funds. We have called and contacted multiple times offering to come into branches, provide any necessary paperwork or go through any necessary verification steps in order to either reinstate our account or get our funds. This is a substantial amount for our business and we have reputation/ client contracts to abide to.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

I attempted to withdraw the balance of my account ( {$14000.00} ) with Marcus by Goldman Sachs on XX/XX/XXXX to my account at XXXX XXXX. This request was approved when I submitted the request and shown as a withdrawal on this account. On XX/XX/XXXX, this transaction was reversed in the account. When I contacted Goldman Sachs on XX/XX/XXXX, they told me that this was due to a " quick money '' violation. I was informed that because of this I could only withdraw funds if I was sending them to my XXXX account that I had initially funded the account with. This was to my confusion because the last deposit I made into the account was on XX/XX/XXXX - several weeks before my requested withdrawal. I also asked what they defined as " quick money '' and was told that they didn't have a timeline and it can vary. It's important to note that a key marketing point of these accounts " unlimited withdrawals and transfers ''.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FinFit Holding Co, LLC (FL)

I submitted a dispute to XXXX explaining : - The loan balance is incorrect and the loan duration -I provided XXXX with my previous consumer finance complaint in which XXXX XXXX XXXX they were behind in updating the credit bureaus. 
-My report has not been updated since XX/XX/year> with the correct information. 

I am only asking what is outlined as a right as a consumer per the Fair Credit Reporting Act my report must contain correct accurate information. This account listing incorrect information is affecting my consideration for other credit products. 

XXXX personnel explicitly ignored the previous documentation I provided outlining my information was incorrect for this account. They failed to complete their own investigation and checked a box and moved the file along. 

XXXX dispute results provided to me today stated they have confirmed the information on my report is accurate and that is false.
Consumer complaint received 2024-07-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CARD Corporation (CO)

on XX/XX/year> My card was working fine, I used it for a taxi to XXXX once at XXXX I took {$500.00} in cash to the customer service desk and loaded my XXXX XXXX card so i could pay my rent XXXX mins later i tried to use card to get back home and it would not work, I tried to login to my account and access denied. I called the card, XXXX  and it told me my balance but it wont let me use my card my card has been blocked as well as my account. Theyhave not once called emailed or mailed me any information on why or anythig.they took my XXXX cash to load my card then blocked me from accessing my own money. They tell me nothing.they have my rent money now i cant pay my rent. this is fraud and theft and wrong they should not be allowed to do this to XXXX. I want my money.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-06-08
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. (NE)

I recently removed my credit report and noticed an account that was reporting inaccurately. On my XXXX XXXX XXXX account XXXX, I have XXXX, 30 day late payment on this account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. The date in question is XX/XX/year> I am now requesting you investigate this account and update the payment to paid on time immediately. Thank you for your understanding and prompt action.