davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I made a wire payment to my American Express Account ending in XXXX for {$610.00}. This wire cleared my bank and was received successfully by American Express. They did not apply this ON TIME payment and then reported my account late and my score drop XXXX POINTS!!!!! 

They are completely negligent and I have sent proof to XXXX and they simply remained unchanged after XXXX. What is happening!!??? Why are all these massive institutions so corrupt and never accountable.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX of XXXX, I opened a XXXX XXXX account with American Express. They proceeded to charge me a prorated annual fee, despite my husband being on XXXX XXXX and the XXXX XXXX XXXX preventing them from charging me these fees. I reached out to dispute it and they denied me my request because they filed it under the XXXX. Then, in XXXX of XXXX, they charged me another membership fee of {$XXXX}. I reached out to American Express again to contest the fees and inquire as to why they were charging me fees while the XXXX protects my spouse and me. 
Since then, I have been declined at least XXXX times, with American Express saying I am ineligible for the coverage for reasons varying from me not being married to someone on XXXX XXXX to my spouse not being the primary cardholder. However, I have provided a Statement of Service and a marriage certificate to show that my spouse is XXXX  and I have been married to him since XXXX. 
The exact verbiage in the XXXX XXXX states " Federal law provides important protections to members of the XXXX XXXX and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the XXXX XXXX and his or her dependent XXXX not exceed an annual percentage rate of XXXX percent. This rate must include, as applicable to the credit transaction or account : the costs associated with credit insurance premiums ; fees for ancillary products sold in connection with the credit transaction ; any application fee charged ( other than certain application fees for specified credit transactions or accounts ) ; and any participation fee ( other than certain participation fees for a credit card account ). '' As a dependent, I should be protected and would like the fees charged so far to be refunded immediately. There is nothing in the cardmember agreement or XXXX XXXX that says an XXXX  service member has to be a borrower on a loan in order for their dependents to receive the protection of the XXXX. 
I am happy to provide the paperwork that shows my status as the dependent of an XXXX  service member. 
Thank you for your time and attention to this matter.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

On XX/XX/XXXX at XXXX I went to the USBANK lobby in XXXX to make an {$800.00} cash deposit. The machine was throwing out the money ao I walked into the the bank and asked an employee if the ATM machine was working? She responded, " Yes, put it in quick and press Enter. '' I went back to the lobby and did as she said. However ; instead of giving me a receipt of the deposit it gave me a MACHINE ERROR RECEIPT. I went back into the bank and explained and showed them the receipt. XXXX looked at the machine and it was logged up now. He filed a report and he told me that I would have my money in XXXX to XXXX  days. Its been 10 days and still no deposit. When I called the bank they tell me it takes 45 days for an investigation to be completed and that I AM not the only customer at USBANK with an ATM issue.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am wanting to know why my credit score dropped for a purchase that I made in the range of {$2900.00} on XX/XX/year>. My credit line is {$15000.00}. I paid the complete charge on XX/XX/year>. 

My credit score came down by 6 points.

I dont see why my credit score should have dropped at all. 

Its like I am being penalized for using my own credit / credit line. I was well below the 30 % usage that professional credit experts suggest to use. 

Please help me understand. 

Thank you.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2024, I reported fraudulent charges to my checking account to Chase Bank. The bank said they would submit a claim and cancel my debit card. I advised the bank I needed to pay a bill using my debit card, and the bank advised me to first pay the bill and then dispute the fraudulent charges. I followed the bank 's instructions, paid the bill, and then disputed the fraudulent charges that triggered the bank to issue a new debit card. The bill payment was posted to my checking account on XX/XX/XXXX, and then Chase created a pending transaction in the same amount -- triggering my account to be overdrawn. I later learned the pending transaction ( in the same amount as the bill payment ) was triggered by Chase Bank, not the merchant to whom I made the payment because my debit card was reissued. Saturday, XX/XX/2024, visited the Chase branch at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and spoke with XXXX. Because the amounts are identical, with one transaction posted and the other pending, XXXX suggested disputing the posted payment. We submitted a claim while I was in the branch. XXXX also shared the claim would be processed and my funds would be returned by Tuesday, XX/XX/2024, and provided my with a printout of the XXXX transactions. The funds were not returned. I contacted XXXX customer service at XXXX and recounted the events that resulted in my account being overdrawn to XXXX. I asked that the dispute claim be completed and the funds returned to me. XXXX advised she could not do that and transferred me to XXXX. XXXX advised the dispute claim for the posted bill payment was not completed. I asked to speak to someone who could facilitate the return of my funds ( now held as a pending transaction for 3 business days ) and I was transferred to XXXX. XXXX explained the claim would not be processed because the merchant to whom I made the bill payment would be unpaid. XXXX also advised there was no clear timeframe for the pending transaction " to resolve '' and any timeframe he gave would be an estimate. It has been 5 calendar days and 3 business days since I raised this issue with the bank, and the funds have not been returned to my account.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (IL)

I had called money lion to confirm my account was in good standing with them which they confirmed days pass I active my card add {$200.00} on the card with no problems my account balance become positive {$200.00} I try to use my account card wasnt working I called money lion they tell me my card is restricted even though I was allowed to add the {$200.00} and I had to wait a business day for it to clear off my card this was Friday so I had to wait until Monday. Monday came at XXXX they took the {$200.00} out of my account to cover a negative balance I never had made up a false transaction to steal my money then I called rep had me on whole for a while to find the negative transaction which she couldnt find because this account cant go negative she said she will call me back which she never did they is basically scamming people of money
Consumer complaint received 2023-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

I opened an Apple Savings account ( Goldman Sachs, GS ) in XXXX of this year ( XXXX ). I funded it with money from various other savings and checking accounts ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I own due to the better interest rate and advertised ease of use offered by GS. 
I am now trying to access some of those funds by transferring them to my checking account ( XXXX ) but I am being told I can not move those funds. I am told I can only move funds back to were they came from originally, for XXXX  days post initial deposit. I no longer use the original savings account ( XXXX ) I used to move most of the funds to GS. Moreover that XXXX account is not " linked '' to my GS savings account so I can not initiate a transfer. 
This GS savings account was promoted as transparent and easy to use. I planned on using this savings account as an emergency fund, easily accessible and with funds available to me within a reasonable amount of time ( XXXX business days ). I spoke with customer support today ( XX/XX/XXXX ) who told me that I would have to wait XXXX more weeks to access my funds without other recourse. Asked to speak to a XXXX but I would have to wait another XXXX business days, without resolution in sight. 
My funds are being held hostage by GS. 
Moreover I placed the order for transfer on XX/XX/XXXX and lost out on XXXX  days of interest while by money was still being held by GS. This ought to be fraudulent and extortion.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: William D. Meeker Enterprises, Inc. (FL)

Misreported tenant data to third party websites show me as the person in which judgement was against for the properties with XXXX XXXX XXXX. 

It shows XXXX properties with judgments against me. 

These were not Personal Guaranteed this was a business debt. 
I'm not who the judgement is against, the business is! 

I've been denied for multiple apartments because of this. 
Attached is proof of the fact they were business debts.
Consumer complaint received 2019-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing , inc. is the mortgage servicer for my property. They escrow payments and are supposed to pay taxes and insurance. My insurance company billed them and they did not send out the payment. SPS stated they did not receive the bill or have information. SPS customer service rep stated they received the information but the insurance issues are handled by another department. They said they do not have the information. I gave them the former year 's policy and told them where to send it. They said they need valid coverage. The coverage wasn't valid because they didn't pay it. I said I can pay it but they should send me my money that was escrowed. They were not helpful and stated it's my responsibility. My loan documents state they are to pay the insurance on the loan.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, my account was used to make a fraudulent purchase through XXXX to a fraudulent business identified as XXXX XXXX XXXX. XXXX sent an invoice receipt showing the purchase of XXXX shipping containers in the amount of {$3500.00}. I contacted Wells Fargo immediately to report that the charge was a scam and the company info on the invoice was not that of an actual company. The website listed XXXX is a bogus website with contact information and what information is available, it does not match the product type on the invoice. The email address listed is a bogus email which returns failed to sender and the address isnt valid. The physical street address listed on the invoice is also fake, coming back to a completely different business whom I contacted and they have never heard of this company or the name XXXX XXXX that was on the invoice as the alleged sales person. Wells Fargo had this information, submitted the claim to VISA for fraud and was returned on XX/XX/XXXX as charges authorized and a reversal of temporary credit being removed from my account on XX/XX/XXXX. I contacted Wells Fargo requesting further assistance and was just told numerous times I would have to contact the merchant, even though I explained over and over again that the merchant cant be reached because they are a scam. They claimed that XXXX investigators validated the charge however because the charge went through square, square only validated that a charge was made and there is no proof from either entity that can be provided at this time that the merchant is in fact valid or that any information is available to contact them. I have contacted Visa who put this back off on Wells Fargo, I have spoken to XXXX different people at Wells Fargo who are clearly incompetent in the handling of the claim and refused to listen to the information I was providing them. I explained on multiple occasions that I did not authorize a fraudulent charge and that we have not received any goods, nor services, from this alleged merchant, and that the merchant does not in fact even exist. Still I got no where and asked multiple times to speak with a supervisor. One agent told me there wasnt a supervisor which I know was complete garbage, another agent told me they would have to escalate it to the XXXX branch which could take XXXX business days, and another agent told me they would take my phone number and I would receive a call back from a supervisor. To which none of these have happened. I am absolutely furious that I stand to lose {$3500.00} for a complete fraudulent scam and neither Wells Fargo, XXXX  nor visa has any care in the world to assist with this. They have just passed this off on to one another. 

Please take note of the invoice I have attached that I received to my email. The address, company info and email address to this company are fake and a quick XXXX search of the address shows proof that this company does not exist.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Correspondence was sent to Bank of America ( registered agent : CT Corporation ) and they have not responded with the information requested. Dated for XX/XX/2024 along with certified mail item number:XXXX XXXX  XXXX XXXX XXXX asking for validation. The second correspondence was dated for XX/XX/2024, certified mail item number : XXXX XXXX XXXX XXXX XXXX. The company did not respond with the requested information.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (IN)

I

want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PR)

I attempted through live chat and phone call to reduce the predatory interest rate they've been charging me on my credit card ( 29.99 % ). I've been a customer for many years and have a clean payment history for 12+ months. Agents refer to some system that denies them but would not provide me any information.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANCO POPULAR DE PUERTO RICO (PR)

They reported two accounts that are not mine and one has more than 7 years and they don't send me the method of investigation, take more than 30 days or more to replay me they have multiples violation and they don't do the right thing and deleted this accounts from my credit report
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

On XX/XX/year>, I sent {$14000.00} to XXXX XXXX XXXX XXXX XXXX based in XXXX, XXXX as the final payment for my wedding venue coming up in XXXX weeks through the Wise payment platform. In total, I paid {$15000.00} including service fees. I was told that the money should get to the recipient within XXXX days but after XXXX weeks that is yet to happen. I have been in contact with Wise customer support multiple times asking them to help with tracking this with no success. They mentioned that I have to follow up with the recipient and their bank which I did. The recipient and recipients bank confirmed that they have seen any money and they provided a screenshot of their online banking as proof. I really need help tracking this money or returning this money as my wedding is coming up soon and I need to make this payment
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (IL)

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dowler Law Firm, PLLC (AR)

The Dowler Law Firm Date : XX/XX/2024 Amount : {$460.00} Writ of Garnishment Attached Plaintiff allegations and interrogatories to Garnishee 1.The garnishee is indebted to the defendant ( s ) and/or has control or custody of property belongings to the defendant, including but not limited to banking accounts ; and/or 2. Defendant is employed by and receives wages or other compensation from Garnishee ; and 3. Plaintiff is entitled to garnish Defendant '' s wages, accounts, and/or property from Garnishee pursuant to XXXX XXXX. XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (PA)

Hello, I contacted Chase for a dispute and they initially categorized it as fraud. In their defense, I did not think the charges from XXXX XXXX  were initially mine until I received more clarification from the date of service. Long story short, I was overly charged by an app that had technical issues and was recurring charges to my chase credit card. Chase sent me to their disputes department instead after having a terrible experience with their fraud dept. All documentation is attached that was sent to chase and the unanswered attempt to XXXX.