davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I received a Vanilla Visa prepaid card of {$300.00} in XX/XX/XXXX as a XXXX gift. I didn't think of using it right away as I wanted to save it for when I really needed some extra cash. On XX/XX/XXXX, I decided to use the card to pay for my bill, but I couldn't process the payment due to an insufficient fund. I checked the balance and found out that someone had hacked the card and stolen all the fund. They made three transactions : two of them on XX/XX/XXXX, and one on XX/XX/XXXX. I reported the issue to the gift card company ( InComm ) on the very same day. My dispute case is XXXX. On XX/XX/XXXX, they denied my case because the transactions were out of timeframe for recovery.
Consumer complaint received 2023-05-03
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. (NY)

Someone stole my personal information and open fraudulent accounts, which also led to me acquiring un-authorized credit inquiries on my consumer reports. 

To make things worse, TransUnion and XXXX duplicated some of the fraudulent accounts and reported some more than ones ( under different names, account numbers and varying balances ). In other words, instead of having one negative account reporting I would have two or in another instance three of the same account... all reporting negatively! It has been over 3 months of trying to resolve this identity theft/error reporting with TransUnion and XXXX, but all to no avail. 

I have even sent them letters from collection agencies stating that they have " terminated all collection actions on those fraudulent accounts after their investigations, '' yet, TransUnion and XXXX refuses to remove them off my consumer report. 

Additionally, a debt collector by name XXXX XXXX XXXX ( XXXX  ) who is furnishing one of the fraudulent accounts refuses to honor/accept my FTC fraud affidavit report and has insisted on demanding that I provide them with a " police report '', which according them is " the only way they will investigate and/or remove it off my credit report ... because FTC report doesn't mean anything to them ... anybody can make a claim using FTC and they respect nor accept it ... we refuse to accept it until you provide us with a police report ''
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

My savings account with Marcus by Goldman Sachs was initiated in XXXX as a rainy day funding source to be used when my busines checking account ran low. Over the years, transfering funds in and out of the Marcus Savings account was seamless until recently this XXXX. A request to transfer funds to the business checking was initiated and granted on XX/XX/XXXX. It was reversed XX/XX/XXXX without explanation and notification, causing an over draft of my checking account and fees charged for the reversal. A second request for a fund transfer to my business checking account XX/XX/XXXX was made and again, this was reversed XX/XX/XXXX without noticed and explanation. I was only notified about these reversals when my vendors and the business bank notified me that my account was overdrawn and checks that I had writen, along with my auto pay accounts have been nullified. I called Marcus on XX/XX/XXXX inquiring why the transfer requests were reversed. Marcus said there was some issues regarding the phone number on the account and I had to fill out an Affidavit of Identity that they will send to me. They said I should be receiving the form witXXXX XXXX XXXXusiness days. I called back XX/XX/XXXX when the forms never arrived. Marcus said it was too soon and I should wait the full 10 days. I called again XX/XX/XXXX and got the same response. And again XX/XX/XXXX and requested to have the form expedited to me which was to be sent out that day and to be received on the XXXX. XXXX said there was a mix up and they never sent the form.The affidavit of Identity arrive XX/XX/XXXX and I executed the form, had it notarized and returned it via XXXX for a next business day delivery. The return address and XXXX sticker was provided by Marcus. I called Marcus XX/XX/XXXX to confirm the package was receive and whether the affidavit was approved. Marcus had confirmed the package was received and the for was under review and they should be responding within the next 5-10 business days. I had asked if they can respond sooner, but the ples fell on deaf ears. I called back on XX/XX/XXXX, again with the same response, saying the affidait was still being reviewed and should expect a response within 7-10 business days. I called again today, XX/XX/XXXX and got the same response. Just to note, each one of my call, I was put on hold several times and none at Marcus could give me an answer on why it has taken so long. In the mean time, I have no way to access my funds in the Marcus savings account. I still do not know why the funds are frozen although my latest statement says the funds are still there and getting interest. To this date, the issue has not been resolved. I am very frustrated with this process and non-transparency on Marcus part. I am not allowed to have any discussions with the people reviewing the form and thier superiors. The persons answering the phones have no authorization to provide answers. I
Consumer complaint received 2024-05-13
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. (SC)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The negative rating on my account is of great concern to me due to its impact on my credit. It has already led to a loan application rejection and higher interest rates on my current credit accounts. This situation is causing me considerable financial and emotional stress, which will persist until resolved.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I call CitiBank XXXX XXXX Department stating my card is blocked and for them to fix my card. 

They state they have removed the fraud warning. I am then able to make the purchase. 

Later on in the week it appears that I am unable to purchase anything using the card despite the person on the phone assuring me my card would not be blocked again. 

XX/XX/XXXX I call Citi Bank and now to unblock my card and verify my identity, they want to send a letter with a CODE IN THE MAIL PHSYICAL MAIL??? 

I CANT EVEN SPEED UP THE LETTER ITS SO XXXX I WAN NA USE MY CARD NOW!
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (NY)

XX/XX/XXXX, Mercedes Benz reported my payment as late and refuses to fix the report. My car that I have is a lemon and i Am trying to do the buy back program so two of my car payments were moved to the back of my car loan. My payment is on time and not late but Mercedes Benz is still reporting its late even though they admitted it is an error and will not fix it. My credit score dropped XXXX points for this error. 

I have attached the loan agreement which states I was not late because the payment was deferred because of the buy back process.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

In XXXX, I had experienced a loss of income and got behind on my mortgage with 5/3 Bank. I applied for hardship assistance with them. I was instructed to make three monthly trial payments for XXXX, XXXX and XXXX, which I did. I was told that once I successfully completed the trial period, I would be approved for a modification and sent the documents to sign. When it came time to make my XXXX payment, I still had not received the documents. I called 5/3 Bank to find out the status. They told me to continue paying the trial payment amount until I received the documents, which I did. I finally received the documents in late XXXX. We signed them and sent them back. Our packaged was received and signed for by 5/3 Bank on XX/XX/XXXX. We have since made every payment under the new modification. It has been over three months and they have not updated my account correctly. They were even charging my account for property inspection fees after they had received my signed modification agreement. They are still saying we have a past due balance and we do not. My account should be current under the modification. Every time I call there, I get the run-around and nobody seems to know what is going on or is able to give me accurate information. Whenever I ask them for receipts or confirmations, they say they aren't able to send them. I even had to get XXXX XXXX 5/3 Bank 's investor involved.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had fraud on my acct. they credited because I never sent money to a cash app! Then they reversed, took back money, restricted and closed our accounts and are still holding our over {$4500.00} of mine and my daughters direct deposited money! 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XX/XX/XXXX I used my Capital One credit card to purchase tickets through XXXX. As a Capital One card holder, XXXX XXXX gives early access and competitive prices on concert tickets. I purchased four tickets. 
The tickets were transferred to me the week of the concert via XXXX XXXX. The seats I received were much better than the ones I originally purchased. I called XXXX XXXX to confirm that these were in fact the seats and they did validate them for me. 
I was not able to attend the event. I decided to sell them via XXXX on XX/XX/XXXX, the day of the event. I got confirmation that they were purchased. I transferred the tickets via the XXXX app. The buyer confirmed receipt of the tickets. A few hours later I was notified that the buyer was denied entry at the event for invalid tickets. As a penalty, XXXX charged my Capital One card the cost to replace the buyers tickets, {$500.00}, and an additional {$490.00} penalty for selling invalid tickets. 
I immediately contacted Capital One, XXXX XXXX  and XXXX. XXXX XXXX said the tickets looked valid on their end and needed to ask the buyer what happened. I emailed the buyer but there was no response. XXXX said I had to contact the venue to find out what happened when they scanned the tickets. I attempted to do so but I was not able to reach an actual person when I contacted the venue. It is just a recording on a loop. I sent emails to all the of the vendors involved and never responded. I made Capital One aware of all of this on a few occasions. 
Capital One denied my claims saying that I didnt upload the requested information. I provided all the information/communication I had exchanged with the vendors. I called and re-opened the dispute two additional times. I requested help with trying to understand what additional details were needed. In each instance, the person I spoke with was very sympathetic and understanding but they only took my information. I have not been able to get any details or guidance from Capital One about what evidence they would need. Im not an attorney. Im an everyday person trying to figure out this terrible, expensive situation. I feel like Im being revictimized at every turn to provide details I couldnt possibly have access to.
Consumer complaint received 2024-05-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (TN)

Around XX/XX/XXXX or earlier, I spoke with a customer service representative to request a payoff from my account. I was told that he was putting the request in. However, after a week I heard nothing. First off, this is a commercial lender and unlike other lenders, there was no way to request payoff automatically online without sending an email, in which you receive no confirmation or any info. 

After a week, I reached out to see where the payoff was and was told it takes XXXX to XXXX days everyday until XX/XX/XXXX, when the timeframe was mysteriously updated to XXXX to XXXX business days to receive payoff from the day of request online via email message.

I am two payments behind and have a buyer for the property, but this lender, Shellpoint Mortgage is intentionally not providing a payoff quote in a timely fashion and the sale of the property is now in jeopardy due to time restraints. Waiting XXXX weeks plus for a mortgage payoff is ridiculous. Shellpoint maintains that they don't take payoff requests via the phone and the fact that anyone who answers does not provide any type of status updates concerning your request indicates a lack of quality service to clients. Additionally, the employees there seem to take it personally if you ask questions often being rude, short, and curt providing responses such as " oh well '' " not my department '' " That's all I can tell you '' " You'll get it XXXX to XXXX days after the request '' " That department doesn't take phone calls '' " There is no update ''. 

In over 20 years of working with lenders, this is one of the most unbelievable experiences, if I myself was not personally experiencing it. I need the payoff quote today or I will be unable to pay this loan at all, perhaps that is the goal of the lender to intentionally cause additional financial hardships for customers who care about paying their bills ontime.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MA)

I am writing to express my profound dissatisfaction and grave concern regarding the recent termination of my account ( XXXX ). Despite meticulously adhering to all stipulated protocols to ensure the continued viability of my account, its sudden and inexplicable closure has compelled me to seek immediate redress through a thorough investigation. 

On the XXXX XXXX XXXX XXXX, at approximately XXXX XXXX, I diligently deposited the sum of {$800.00} into my TD Bank account at the branch located in XXXXXXXX XXXX As a result, Consequently, the account attained a favorable standing, subsequent to its previous negative balance of {$140.00}. 

Subsequent to this, a check in the amount of {$4000.00} was deposited on the same day. Assured of the favorable standing of my account by the Assistant Branch Manager, XXXX XXXX, who unequivocally asserted that the impending closure, scheduled for XX/XX/year>, would be averted, I proceeded accordingly. 

In good faith and reliance upon the managerial representation, I expeditiously engaged with the TD Bank Recovery Department to establish payment arrangements on the aforementioned day. Subsequently, I successfully negotiated monthly payment schedules, with deductions scheduled for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX as corroborated by electronic correspondence. 




To my dismay, notwithstanding the substantial deposits effected and the judicious establishment of payment arrangements, my account was summarily terminated on XX/XX/scrub>XXXX XXXX XXXX This unilateral action, bereft of discernible justification, stands as an affront, particularly in view of the account 's favorable balance and the confirmed payment schedules. 

I urgently seek elucidation on the following points : 1. The underlying rationale for the termination of my account, devoid of any outstanding liabilities post-deposits. 
2. The justification for the account 's closure notwithstanding the firm establishment of payment arrangements scheduled for XX/XX/year>, and XXXX XXXX XXXX 

This regrettable turn of events has occasioned substantial inconvenience and distress. Accordingly, I implore a comprehensive inquiry into this matter, accompanied by a detailed explanation and expeditious resolution. In light of the foregoing, I humbly request the immediate reinstatement of my account and the prompt retrieval of the funds therein. 

Your immediate attention to this matter is earnestly solicited. Anticipating a prompt written response within ten business days, failing which I may regretfully be compelled to escalate this grievance to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. Kindly refer to the attached documents for your perusal. Thank you.