davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AR)

Hi there, I am a XXXX XXXX XXXX XXXX XXXX  and I opened a new Chase Checking account in-person at a branch in XXXX, Arkansas in an attempt to open my first bank account that was separate from a joint account I share with my parents. 

I made my initial deposit on XX/XX/2024, by way of a personal check in the amount of {$4600.00} that was comprised of my student-loan funds that were dispersed to a separate account. 

Presumably because the initial deposit was a personal check in a large amount ( {$4600.00} ) to a new account, the funds from the check were held, and by the time I was notified via mail that the funds needed to be verified, my account was closed. The check was written by my significant-other, who is a long-time Chase customer and verified the personal check he wrote by way of a phone-call from a Chase representative. When I went back to the bank branch on XX/XX/2024, I opened a new account with {$100.00} cash, and that account was also subsequently closed. Both funds have been returned to me by way of a mailed check. However, I have been informed over the phone that Chase bank has chosen not to do business with me and will not allow me to open a new checking account or credit card. The bank representative informed me that this " ban '' would last at least five years, but would likely last forever. 

I am reaching out because, especially at the inception of my career ( I XXXX XXXX XXXX XXXX last month and will be practicing law in XXXX XXXXXXXX as of this fall ), I really hoped to do business with Chase bank as my bank of choice. However, through no fault of my own, I am somehow barred from doing business with Chase. After countless phone calls with customer service representatives, I have not gotten an answer as to why I can not open an account. Not only am I interested in banking with Chase, but I am interested in several of Chases credit card offerings and other financing opportunities. It is my understanding that I am barred from these products and services as well. 

It is my hope that as a result of this communication I will be able to remedy this situation. I hope to bank with Chase and utilize Chase Credit Cards and Financing opportunities, and at this time, I am unable to do either of those things. 

I thank you in advance for your help, and I appreciate your attention to this matter.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

I hereby file a complaint about a data breach from Lopez, et al. v. San Andreas Regional Center Case No. 21-cv-386748 Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX have all refused to provide a credit report online because it was my child under 13 was involved in the data breach. 

I am filing a complaint since there is no monitoring or protection of credit score or credit history for my minor child.
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

I have a AAdavantage Aviator Red Mastercard with Barclays. On my XXXX XXXX XXXX billing statement, I was charged {$41.00} for interest. Per the statement, my previous balance as of XXXX was {$1900.00}, Per the statement, I made payments of $ {$1800.00} leaving a balance of {$100.00}. As a result, I was charged interest of {$41.00} which is approximately 37.97 %. This is significantly higher than the credit card terms.

On my XXXX XXXX XXXX credit card statement, I was charged {$47.00} for interest. Per the statement, my previous balance was {$3600.00}. Per the statement, I made payments of {$6500.00} or {$2900.00} MORE than the outstanding balance but, was still charged interest. 

In speaking with the Barclays representative, I was informed that interest begins accruing as soon as I make a payment. Specifically, since I make small payments multiple times up until the Due Date, interest began accruing as soon a s I made a small payment towards the outstanding balance. Based on the explanation which I confirmed with the representative, as an example, if I had a balance of {$10000.00} and I made a payment of {$5.00} immediately upon receiving the statement, interest would begin accruing on the remaining {$9900.00} even though I still have 22 days left before the due date. This clearly does not make any sense. 

Based on the representative 's explanation, if I make a payment on the first day of the 22 days prior to the due date, interest begins accruing on that day regardless of whether or not I've paid a significant portion of the balance before the due date.. However, if I wait until the actual due date, interest does not begin acrrueing until that date. 

So, based on the explanation, my XXXX XXXX XXXXXX/XX/year> statement continued to accrue interest despite the fact that I paid {$2900.00} more than the balance. 

There are clearly issues with the method in which Barclays is charging interest to customers. As stated above, a {$100.00} balance was charged {$41.00} in interest and the following month, I was charged {$47.00} interest even though the entire balance and more was paid.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, there is no law prohibiting consumers from utilizing third-party services, thus rendering your excuse irrelevant. In fact, the United States Congress recognizes the complexity of the entire process and grants consumers the right to employ a third party on their behalf, if they so choose. Consequently, your statement is disgraceful. 

I reserve the right to take legal action against a credit bureau for violations of the Fair Credit Reporting Act, and I am confident that I can demonstrate your failure to take reasonable measures to ensure the accuracy of my credit reports, as well as your current attempts to further delay the process. 

I acknowledge that disputes can be costly and it is your responsibility to prolong them, but please be aware that doing so carries significant risk. This letter, dated ( insert today 's date ), formally notifies you of my request to proceed with my original investigation and demands that you provide me with the results within 15 days. Therefore, I reject your " form letter '' in a legal and lawful manner, granting you only 15 days instead of an additional 30. 

I am deeply frustrated and outraged by your accusation, and I have thoroughly researched my rights concerning my credit file. I urge you to expedite my original request promptly
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

1. Wire of {$4500.00} sent on XX/XX/XXXX, recipient did not receive wire. 
2. Claim filed on XX/XX/XXXXXXXX  with Wells Fargo. 

I called Wells Fargo weekly and bank kept saying they're researching the status of claim. 
Today XX/XX/XXXXXXXX  I called bank again and they stated that recipient bank received the wire on XX/XX/XXXX and closed my claim!!! 

That IS INCORRECT. My vendor NEVER received the wire. So bank has to open a new claim for me. I've been a customer since XXXX and have sent many wires. This is unacceptable business practice. Over the course of 2 months, Wells kept telling me someone will call me to update me with status. NO ONE calls you back. I have to call and be transferred multiple times before anyone would look into my claim. 

This process is broken and I'm so frustrated!!!!
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I was contacted by a third party debt collector on XX/XX/year> about a specific account that I did not own. I didnt sign any contract or authorize any to sign anything on my behalf therefore I do not owe them. The amount in question is {$16000.00}. I requested a copy of the agreement to show my signature.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (CA)

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' So-Fi Technology is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' SoFi Technologies the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, SoFi Technologies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SoFi Technologies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I recently disputed sone information that do not me that was listed on my LexisNexis report. On XX/XX/year>, I was sent a Results of Reinvestigation letter. My Consumer NumberXXXX Case Number : XXXX. The results of your investigation stated We have reviewed the information from our XXXX XXXX XXXX XXXX and determined the data being reported as UNVERIFIABLE but yet you did not remove the information from my consumer file. Per the Federal Credit Reporting ACT 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) - Procedure in case of disputed accuracy. If, after any reinvestigation 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 agency 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 results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. LEXISNEXIS Did not remove this unverifiable information from my consumer file which is a violation of the FCRA. Im a litigious consumer and I will not hesitate to file a lawsuit for violations of the FCRA which I can received up to {$1000.00} per FCRA violation. I have attached a copy of my FTC Identity Theft report for the following items. Under SECTION 10 : XXXX XXXX XXXX XXXX. RECORD XXXX XXXX XXXX XXXX and RECORD XXXX XXXX XXXX XXXX. I do not know who this person is and why name is listed as a Secondary Policy .Holder. PLEASE REMOVE. Under SECTION XXXX : Insurance Policy Records RECORD XXXX XXXX XXXX. I never had a policy with this customer and dont know how I am listed as a driver on somebody else insurance policy. PLEASE REMOVE. SECTION 11 : Department of Driver Services Records RECORD 1 XXXXXXXX XXXX XXXXXXXX under Drivers License Operator Details I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. RECORD 1 Driver 's License Violation Details. I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. RECORD 2 Driver 's License Violation Details. I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. RECORD 3 Driver 's License Violation Details. I have NEVER EVER had a license in the State of TEXAS. PLEASE REMOVE. I implore you for the last time to get your records in order as he next time I will be filing a lawsuit for multiple violations of the Federal Credit Reporting ACT. I take this matter very seriously and I hope you will do the same.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Foris DAX, Inc. (CA)

I created an account with Crypto.com a few years ago and deposited {$5000.00} USD and signed up for their debit card offering. 

My account was recently locked out due to inactivity. To regain access the company shared that I need to share the last 4 digits of the phone number and ID document that I used to sign up. I provided the ID but unfortunately I no longer have a log of the phone number as it was a temporary number.

I shared this information with the company and they had me verify myself via selfie and my drivers license which I provided. 

But despite all this they are now coming back to me stating that they cant give me access to my account and funds unless I share the phone number. I repeatedly stated that I do not remember the number to which they now responded theres nothing they could do. 

Could you please assist with this case?
Consumer complaint received 2024-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (TX)

I used Remitly ( Ref XXXX XXXX XXXX XXXX XXXX ) to transfer money from USD to XXXX The service initially promised a transfer time of XXXX hours on XXXX XX/XX/year>. However, after debiting the amount from my account, I was informed that the transfer would take 4 days. There was no option to cancel the transaction after this change. This delay has caused significant inconvenience, and I am requesting a refund of the service fee and appropriate compensation for the delay.
Consumer complaint received 2024-06-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

I noticed an unauthorized payment of {$120.00} was made at XXXX this morning from Money Lion when I was assured by a XXXX XXXXXXXX that the autopay feature was turned off. I went to complain to someone else in customer service and was told nothing could be done.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I went to get gas on Wednesday XX/XX/year> and my transaction was stopped at just over XXXX dollars. I tried to use my card again to finish my transaction and it was declined due to insufficient funds. I was sure I should have had at least XXXX dollars in the account so I immediately looked at my online account and realized there were XXXX transactions that were unauthorized to make purchases on XXXX and to make purchases on XXXX both on their app platforms. Upon contacting the companys they informed me that the transactions were done online and the accounts that used my debit card were both registered to a name different then mine. After confiding this out I contacted Chime to report the unauthorized transactions and to file a claim .In less then XXXX hours they came back with investigation results denying and closing my claim.
Consumer complaint received 2024-06-16
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: CREDIT ACCEPTANCE CORPORATION (OH)

XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Acceptance Corp XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2024-06-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I made a payment to Citibank , N.A . for my XXXX account in the amount of {$29.00} on XX/XX/year>. I made it early, and on the first day that my statement cycled. Under no circumstances does it say anywhere that you can not pay TOO EARLY, or that you would get penalized for that. Well, they did NOT COUNT my payment for my minimum payment, and have now charged me a late fee, and are making me pay a double payment plus some because of this! This is not fair! I want the late fee waived, the payment reduced to just one payment owed for XXXX, and the XX/XX/XXXX payment to count for the XXXX payment. I also want them to show where it states that a payment too early in the cycle will not count for the minimum payment.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

They are reporting false information to creditors as well as I did not give consent to the information they are providing. i asked them to stop in which I found out they were still providing information to creditors and again it's false information. I've asked for them to remove numerous personal information and accounts which are impacting my life and this has not been done.
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX  XXXX Account Nuumber - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.