davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXX Department XXXX Equifax XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to Gramm-Leach-Bliley Act ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, Experian/Equifax/TransUnion. This dispute is made under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with XXXX XXXX XXXX. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the Gramm-Leach-Bliley Act, I am requesting that [ XXXX/Equifax/XXXX  ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I closed a joint account at XXXX XXXX XXXX XXXX, and opened a single account on a phone call. The bank rep never told me I had to change the funding account and when Ally Bank tried to transfer {$300.00} to that new single account, it showed as a closed account. This was XX/XX/XXXX, and I was told originally it would take XXXX hours to unsuspend the account. Then I was told it takes XXXX business days, and after that, I was told today they need a couple more days twice now. the latest being today. 
In the mean time I cant pay any bills from my XXXX XXXX XXXX account, because I need to transfer the money from Ally. 
They just keep moving the time needed to resolve this issue every time I talk to them. I can't believe it would take this long to unsuspend an account ion the XXXX century!
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2019-05-01
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. (VA)

A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said collection agency, the requested records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. 

As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent me an credit monitoring alert and email stating that the debt listed was not changed because the company " certified '' ( with no paperwork ) that the information reported was correct. 

Experian is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report on their and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (TX)

My payment was declined by my bank for insufficient funds. At this point, I did not receive any email or communication from the lender ( despite being enrolled in paperless communications ). 13 days after my statement was due, I get a text message from a third party collector saying I owed a payment. I promptly paid the balance but was charged a late fee. 

Not receiving a communication from the lender when a payment fails is a deceptive practice I would like to get corrected.
Consumer complaint received 2024-06-07
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. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : Bestbuy/Cbna XXXX  XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report Sincerely XXXX XXXX
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OK)

In XXXXXXXX XXXX XXXX I received a mailer from Chase Bank which said if I opened a checking account and had funds placed in the account by direct deposit, they would pay me {$300.00} within 15 days of the direct deposit. So far two monthly direct deposits have been made and Chase Bank has not paid me {$300.00}. I have called Chase, emailed Chase, spoken to local Chase employee XXXX XXXX ( XXXX, Oklahoma branch ) and his branch manager and they are unable or unwilling to resolve this matter.
Consumer complaint received 2023-12-01
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: EQUIFAX, INC. (VA)

I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation
Consumer complaint received 2024-02-09
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: BARCLAYS BANK DELAWARE (CO)

I purchased a ticket for {$240.00} from Frontier Airlines on XX/XX/XXXX. On XX/XX/XXXX someone accessed this reservation and canceled it. I requested a full refund from Frontier Airlines, and they would not grant it. I specifically told them I did not cancel the reservation and asked them what country the cancellation came from, and they would not provide that information. 
The reservation was purchased on a Barclay 's Frontier Airlines Mastercard. Once the charge was listed on my account, I disputed it. On XX/XX/XXXX, I called Barclay 's to check the status of my dispute, and the customer representative indicated they had rejected it. The representative said that I should write Barclay 's Billing, Disputes and Fraud department to notify them that this was a fraudulent charge. On XX/XX/XXXX, I wrote and sent Barclay 's that letter. On XX/XX/XXXX I received a letter from Barclay 's dated XX/XX/XXXX stating " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. ' This statement did not state anything about Barclay 's fraud protection, which as far as I can tell is non-existent despite their claims otherwise. On XX/XX/XXXX I canceled the Barclay 's Frontier Mastercard and sent Barclay 's a letter stating that I dispute their implication that there was no fraud, and that I would not be paying the charges and any associated fees, and that they should pass that information along to XXXX, XXXX and XXXX. I will note that all I was asking for was fraud protection. Frontier Airlines has a system with very little security, such that someone was able to access my reservation and cancel it. Barclay 's Frontier Airlines Mastercard should protect its customers from this type of fraud.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (NY)

I filed a report with your office Money lion did contact me and told me that a refund of XXXX was sent to my bank there has been no payment made the gentleman I was dealing with requested I show him screenshots of my accounts I complied still did not receive a refund! I still have an account with them how hard is this to put the money in the account???? The amount was XXXX and I told him that he said the price is no negotiable? I have bells palsy and me stressing is making rhis worse. Action needs to be taken today. This is just sad.
Consumer complaint received 2023-12-01
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-07-07
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: BARCLAYS BANK DELAWARE (CO)

Barclaycard 's dispute process is broken and unusable. Any dispute is filtered through a few limited questions that don't cover many cases with no opportunity to comment. The only document upload provided is .jpeg - seriously? Barclaycard is, presumably intentionally, making a dispute almost impossible. They must try to wear down customers via horrible web portals, limited options, obscure communications. If and when you talk to an agent there is a language barrier as they must be using low cost labor from overseas with very basic XXXX skills.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank has kept my money and won't return it. 

On XX/XX/2024, I wrote a check for {$7000.00} to my wife so she could withdraw it from the bank and deposit it into her account because we were moving and she needed to pay rent and the security deposit. The check was correctly filled out, and she cashed it at the teller. The same day, {$7000.00} was deducted from my account, and after a few days, the money should have reached her account, but that wasn't the case. 

Her account was blocked for receiving a check of that amount for the first time, and everything was completely frozen. She couldn't even withdraw the money she previously had in her account. The next day, we went together to a Chase Bank branch to resolve this, presenting both of our IDs, passports, and bank cards to solve the issue. However, after more than a month of trying to resolve this, Chase Bank still hasn't resolved it. 

We went to different branches trying to explain in person, " Look, it's me. I'm here myself in front of you. I wrote a check to my wife, and she is here next to me. We are affirming the case in person, and you are blocking and holding our money. '' Only one executive was able to unblock the account, but the {$7000.00} is no longer in the account. It's neither in her account nor in mine. They say the fraud department is complicated, but they do nothing but give excuses. 

Our money has been held for over a month, and the money is lost. I don't have it, my wife doesn't have it. The bank has kept our money. 

They claim to be the best bank, but all I see is that the bank has scammed me and kept my money. 

Being a bank customer is a relationship of trust, both from the bank towards me and from me towards them. In this case, Chase Bank has completely broken that trust in a negligent manner.
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and request the immediate investigation and removal of certain fraudulent accounts that have been erroneously appearing on my credit report. These fraudulent accounts are not a result of any legitimate financial transactions, and their presence on my credit report is causing significant harm to my financial well-being and creditworthiness. 
The fraudulent accounts that I am disputing are as follows : XXXX - XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX  XXXX - PLEASE DELETE!!! 
I request that you initiate a thorough investigation into these fraudulent accounts as per the provisions of the Fair Credit Reporting Act ( FCRA ) and promptly remove them from my credit report if they are found to be inaccurate or fraudulent. Additionally, please provide me with written confirmation of the investigation 's progress and the results once the investigation is complete.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

XX/XX/year> - called Marcus to update my phone number on my account as I lost access to prior registered number. Was told it would not be possible as the system was not allowing them to do so. Was told I can not use my state ID to verify myself either as NY State doesn't permit it. Was given no alternative but a case was opened and told I'd receive help in 1-3 days. No one helped. 

- A transfer request I made from Marcus account to my newly linked XXXX account was cancelled by Marcus. 

XX/XX/year> - I call back and ask for an update. Am told to wait an additional 1-3 days. 

- I try to withdraw some money from my Marcus account to my XXXX XXXX account which is already linked and been used for transfer several times before. That is denied and the error message says to call customer care. 

XX/XX/year> - I call again and am told my number change request has put my account on review and no transfers can be made but the issue is being worked on. I am frustrated and request to close my account completely. I speak to multiple representatives including a supervisor and have been on the phone for a hour now. Supervisor tries to make a transfer and thus close the account. That doesn't work because I'm told the account is still under review given the phone number change request. I am told there's nothing that can be done at the moment until their review is done and to give it 1-2 weeks. 

- I receive no updates or communication from Marcus. 

XX/XX/year> - I attempt again to make a transfer from my Marcus to my already linked XXXX XXXX account and it is not possible. I call Marcus customer care again. Am told I can not speak to someone other than the supervisor without authenticating myself at the number on the account. I re-explain that that is the whole reason I'm calling! I am told a new case will be opened and someone will call me at my new number in 1-3 days. 

It's been over a month with no way for me to transfer my money out of Marcus.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is 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 2023-11-30
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. (PA)

XXXX XXXX Equifax, is in violation of code ( XXXX XXXX XXXX Permissible Purpose ) I did not authorize these inquiries below, nor did I give my written consent for these inquiries to be on my credit report I demand that these fraudulent inquiries be removed immediately! Also, I demand that XXXX XXXX Equifax, provides my written signature stating that I authorized these transactions. If not, I demand them to be removed. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX
Consumer complaint received 2024-07-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC (CO)

In XXXX of 2023 I got a payday loan from Cash Aisle of {$900.00}, I was making payments ( which were random and different amounts ). For unrelated reasons, in about XX/XX/year> my account attached to my payment plan for the loan was closed. Obviously, I need to contact them to change my payment info so I can continue to make payments. However, when I try to log in it says incorrect info ( even thought I am pretty sure that I am entering the correct password ). If I try to reset my password it says that my request failed. Ive tried emailing them and calling them and have received no answer back. I have not even ever received an email from them or anything ever. There is no communication and it is impossible to get in contact with the company at all. I know the interest on my loan is continuing to add up everyday and when I literally can not contact them I feel powerless and hopeless. I dont know what to do next!!