davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (UT)

On the XXXX XXXX XXXX XXXX i called about Marcus by Goldman Sachs and requested my account should be closed, and my remaining balance of $ XXXX be sent to me, but till this very day and after more than 7 calls from me to them on different days. They keep on telling me the same thing every time, that the account is under review and i should call back in 3 days which i always did and they keep telling me the same thing.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was discriminated against by Bank of America when I went to deposit my cashiers check of over {$100000.00}. The bank manager told me they need to verify funds. I gave her the bank managers number for the verification. She verified and allowed the deposit. The system placed a hold on my cashiers check 5 business days. The next day they released {$5800.00} and 2 days later removed the {$5800.00} from my account after I paid bills. They caused my account to be overdrawn and my automatic payments could not be paid and I am unable to use my account because of the negative balance. I called the bank and they lied to me saying the bank took the money back because they placed a longer hold on the full amount pending verification. 

The following day I spoke with the bank manager about f the bank I purchased the cashiers check. He researched to see if they cleared the check. His system showed thw check was sent on XX/XX/XXXX and money was sent to Bank of America on XX/XX/XXXX. 

Bank of America has a hold on my money until XX/XX/XXXX and said it could be longer and not allowing me to use my account due to the overdraft. 

I received a letter from Bank of America stating that the hood was placed due to the information on the cashiers check saying funds might be returned. Upon me checking the back of the cashiers check from the scan I saw that it did not say the funds may be returned. 

I called the bank manager that issued the cashiers check and he confirmed that it does not say that on the check. 

I attempted to call Bank of America again to ask a legal reason for the hood and that the reasons they were giving were not true. They told me they have to have a supervisor call me back and I have not got a call yet. 

They are planning to have my money on hold for XXXX total days and that is over what they can legally hold. Bank of America was paid for my cashiers check on XX/XX/XXXX and holding my money illegally until XX/XX/XXXX.
Consumer complaint received 2023-11-29
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: WELLS FARGO & COMPANY (NY)

Payment Dispute : XXXX ( Wells Fargo ) card claimed we did not make a payment for XXXX statement. Enclosed is a letter from XXXX XXXX XXXX XXXX stating that the payment was made. 
I am enclosing a copy of our Bank statement for XXXX showing the withdrawal on XX/XX/2023 ( highlighted ) in the amount of {$3800.00}. 

CASE # : XXXX XXXX XXXX is the XXXX account holder. XXXX XXXX is also on the account and our Card number ends in XXXX.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I woke up on Sunday XX/XX/XXXX to XXXX fraudulent charges on my account. Because this was a Sunday and it was XXXX XXXX  I had to wait for the fraud department to open. Once they were opened, my husband called and reported the fraudulent charges and immediately his card was canceled. Because this was a holiday weekend, XXXX, we needed access to our money for groceries and XXXX shopping. We were told multiple times that my card would be available. That evening my card was declined at the grocery store. After calling the fraud department I was told that my card was also charged and now canceled. 

The next day was Monday and when we called to confirm shipment of our new cards we were told that we could not have them shipped to our home address as we hadn't lived at this new address for longer than 90 days. When it was requested to have the cards sent to a closer branch we were told a branch we NEVER banked at would be receiving the cards. 

It is now over a week and we haven't heard a thing from the bank. Our cards are no where to be found and access to our money is so limited as the holidays and our work schedules do not allow for XXXX XXXX banking. I would like the charges from XXXX reversed as Ive never been to XXXX. I didn't make these charges and {$400.00} is A LOT of money to be left without over XXXX.
Consumer complaint received 2023-08-27
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)

There are hard inquiries from several companies I do not recognize. 
Such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (FL)

I do not believe Equifax is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my report.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX NA XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-14
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: JPMORGAN CHASE & CO. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I ordered a bed online through XXXX XXXX XX/XX/XXXX. XXXX XXXX account # XXXX offered financing through Captial one Account # XXXX. Bed was never shipped and put on back order several times. Order was attempted to cancel numerous times XX/XX/XXXX, XX/XX/XXXX, XXXX due to non-delivery. XXXX XXXX said we would receive a full refund on XX/XX/XXXX. Capital one is still charging me interest and late fees on a product that was never shipped and never received. In addition, Captial one is reporting negatively to my credit report.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (TN)

I applied for a XXXX XXXX  credit card with Synchrony Financial on XXXX XXXX After many transfers, I was connected with one agent that asked me for ssn, my dob, address, etc. After recording my information he put me on hold for 30 minutes to confirm the information. After 30 minutes, I was disconnected. When reaching out to Synchrony C levels, I expressed my concern that it was odd behavior and potentially took my private data and used it in an illegal manner. XXXX expressed that that was odd behavior and not part of their process and she would look into it. A couple days later I got a notification from XXXX saying that an application was attempted to be opened from XXXX XXXX I sent XXXX and XXXX to the recorded call but they never got back to me. I've repeatedly tried to contact them to get an update on the matter, but nothing. No returned calls. No returned emails. On XX/XX/XXXX, I got a notification from my bank that there was an application sent to open a XXXX credit card.
Consumer complaint received 2023-09-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (VA)

I purchased a vanilla gift card for {$500.00} on XX/XX/23 at XXXX XXXX. Not even an hour later my funds were gone. XXXX transactions for XXXX. And the XXXX  transaction for XXXX. This took place XXXX hour after I purchased the gift card. I couldnt even call the merchant directly because they have no phone support only email. These people are experienced thieves. And worst is the vanilla gift customer service is no help. Only saying XXXX days for investigation and Im not even guaranteed the money back.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

On XX/XX/2023 I XXXX XXXX, XXXX XXXX used an XXXX atm in XXXX to withdraw money. I withdrew {$400.00} however the machine did not dispense my money! I immediately contacted CHIME XXXX XXXX XXXX, XXXX was told that the charge was pending and that Id have to wait 3-5 business days to see if The XXXX ATM Network would credit it back to my account. However on the third day I called and was told that the transaction had processed and Id have to file a dispute! I filed the dispute and within 2 days the claim was denied. I reached out to the XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX and advised them of this issue and it was then that the dispute department told me that CHIME NEVER CONTACTED THEM ABOUT THE ATM IN QUESTION NOR DID A CHARGEBACK AS PROHIBITED BY LAW TO LOCATE THE MISSING FUNDS!!!! I called CHIME support and asked for the documents used in the in the investigation. Upon receiving the denial claim XXXX XXXXXXXX and the reason for denial THERE WAS NO CONTACT WITH THE MERCHANT IN QUESTION NOR DID THEY ASK ME TO SUBMIT ANY SUPPORTING DOCUMENTS! I contacted chime again and had to creat a rebuttal XXXX XXXXXXXX dispute! MULTIPLE DISPUTE TEAM AGENTS AND SUPERVISORS informed me that I was eligible for a temporary credit! I called regular almost every other day most times everyday for at least three weeks! Upon the temporary credit due date I was informed that I was not eligible due to it being a rebuttal! I asked the representative to investigate and read the emails that chime had sent me confirming that Id have the provisional credit by the XXXX. Its the XXXX n multiple supervisors and agents can see that I am eligible for the credit and that it is showing bold red meaning it is overdue and shouldve been released! XX/XX/XXXX I am being told that they changed their policy and I dont get the credit! I shown and sent them multiple evidence of the promise from them to me reassuring me that the money would hit my account! Still to no avail all I received was apologies and sorries! Very disappointed n no longer trust chime!
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Funding Logistics, LLC (AZ)

A company known as United Funding Logistics headed by XXXX XXXX, known on XXXX as both UnitedfundingXXXX and on his personal account XXXX, where he routinely makes videos about people 's XXXX. When someone says something he dislikes about his company, he then discusses their XXXX  with his XXXX Million followers. He talks about the individual 's credit scores, showing his audience their actual model based scores, discusses collection actions and other negative credit events that the public should not be seeing. He uses this protected information to degrade these people. 

Recently, I reviewed his company after 8 months of use. It was not a shining review but was unrelated to seeing him post other people 's XXXX. He responded to my public review with " you're a liar '' and then proceeded to share information about a company attempting to collect from me that can ONLY be obtained or even seen on my credit report that he has access to. It is disgusting behavior. I didn't get in his mailbox and post anything I knew about him ... but this guy does this on repeat. I did not know when I hired his company that this is common practice for him. 

This guy is completely unchecked handing out XXXX and making a mockery of FTC guidelines resulting from XXXX and the like. No way is this guy CFPB compliant. Something needs to be done. 

His website is www.unitedfundinglogistics.com The address to his company isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MFP, inc. (FL)

XXXX XXXX XXXX in Florida is also known as Financial Credit Services. They are both the same Collection Agency. I have never received any notification by mail that I had any Medical debt with this Collection Agency ( s ). Therefor I did not even receive any notice of my rights to dispute. In addition, XXXX XXXX XXXX did not disclose any communication that this was an attempt to collect a debt. I did not know this company was reporting multiple and duplicate Medical collections until I pulled my consumer credit reports from all three credit agency 's. At that time, I took my legal right with XXXX, XXXX and XXXX and disputed them. Over the last 60 days they were deleted from Credit Reports only to find out GulfCoast Collection re-reported the same collection back on my Consumer Reports under their other company name, which now shows as an entirely new collection with XXXX and the others. This has reduced my FICO score substantially where I now find myself in a serious negative situation with banks and lenders not to mention it is impossible for me to now purchase a home. I am XXXX and even tried to resolve this directly with the company only to be treated unethically, unprofessionally and talked to in a threatening manner. They refuse to cooperate and work with me to resolve this matter in any way what so ever.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have made atleast XXXX calls a day to all numbers I have been able to find by other people having issues. The loan server is currently down or hacked and I have been unable to speak with anyone over the phone, the company has no known statements or resolution, and I am afraid that this will negatively impact my credit as this is out of my control.
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (IN)

I attempted to rent an apartment and was denied. Why? I went to check my credit report and to my surprise, I have XXXX XXXX XXXX, Advanced Collections Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX all have negative information to all the credit reporting agencies- XXXX, XXXX and XXXX. I wrote all of them letters demanding validation and proof of claim in accordance with Fair Debt Collection Practice Act, 15 USC 1692 and the Fair Credit Billing Act 15 USC 1666 et seq. You see I do not know or have any contract with any one of these collection agencies and never gave any of them written permission to report any information to the credit reporting agencies. This has violated me under 15 USC 1681 b ( 2 ). By doing this, they have committed identity theft under 18 USC 1028a. None of these agencies was able to provide proof and has ignored my request. Nothing was removed from my credit report. These agencies has caused damages to my mental and physical health. Letters were sent out to all of these companies on XX/XX/2023 and nothing was done. I continue to get denied when I apply for credit or rent an apartment. XXXX XXXX XXXX, Advanced Collectons Bureau, XXXX XXXX XXXX and XXXX XXXX XXXX has ruined my life.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Bureau of Northern California Collections Services Inc (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX  XXXX and Credit Collection Serv as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the Collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (AK)

Financed a XXXX XXXX XXXX through Chase Bank XX/XX/XXXX. First was told 90 days no payments which was not the case. Called to bring loan current and was told account was charged off and that I only had XXXX options. First surrender the vehicle or second pay XXXX $ on an {$78000.00} loan. Was also told that I will be receiving an IRS form 1099C showing that I received a payment of {$86000.00} even if I pay the loan in full. I was told this by two different supervisors at Chase financial. So the bank charges off {$86000.00} as a loss with the IRS, Keeps an additional {$86000.00} in profit if I pay in full and I have to show to the IRS that I received an additional {$86000.00} in income that I never receive.
Consumer complaint received 2024-03-15
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. (WY)

These are unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), which I have not approved or given written permission to furnish in my credit report.