davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/year> made deposit of {$11000.00} XX/XX/year> called and checked on why the deposit was not in the account. I was told the money would be in my account in the next hour. 
the money never came in the account called the bank back same day, put me on conference call with the writer of the check. was told the money would be in the account in the next XXXX hours. still not in account after that time. 
XX/XX/year> called again was told there was nothing they could do and they would hold the check until XX/XX/year>. 
finally went to a branch of the bank they fixed the problem and the money was in the account within the day. 
this is only a recap of what I went through. I was lied to several times over.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (MN)

On XX/XX/year>, I submitted my second application for a XXXX XXXX store card through their website. Surprisingly, I received a denial letter from Comenity Capital Bank, which handles XXXX XXXX 's store cards. The bank stated that my credit score is XXXX from the scoring system. However, the denial reasons were cited as " lack of first mortgage account and lack of real estate secured loan information. '' I find this reasoning perplexing and unfair. I have properties that paid off a decade ago and I do not need a loan. It's unreasonable to deny a store card application on these grounds. Additionally, I had a XXXX XXXX card for years, but it was closed by Comenity Capital Bank due to lack of usage during the pandemic.
Consumer complaint received 2024-03-18
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 (CA)

This is in regards to dispute claim XXXX with Wells Fargo for {$290.00}. I filed this dispute because the services were not rendered by the merchant, even though I signed a receipt for the services. I paid for XXXX  XXXX and cancelled because the teacher was unprofessional, unprepared, and even ended class one hour early to go meet her friends. I am not paying for this charge and want a full refund. Wells Fargo did nothing to help me in this situation.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

On or about XXXX of 2022, I tried to open a credit card with Best Buy and I was denied, yet wasnt given a reason as to why I was denied. All I was told was, there was something wrong with my I.D . I didnt think anything of it, I just accepted it and moved on, although I thought it was strange as I had really good credit and shortly after I was approved with XXXX other credit cards. Then recently, I saw a post on social media about Citibank being sued for denying applications for people of Armenian descent. I thought, wouldnt it be crazy if Best Buy was a Citibank card and to my surprise, it was! Maybe thats why there was a, problem, with my I.D .
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CCF Intermediate Holdings LLC (AZ)

A TitleMax employee is sharing all my loan information, address and phone number to my estranged family members which happen to be very good friends and or family of said TitleMax employee. I have screenshots of my sister in law telling me about having knowledge of my loan, late payment, loan information and my address. They have broken my privacy protections.
Consumer complaint received 2023-12-04
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: CCF Intermediate Holdings LLC (DE)

On XX/XX/2023, speedy cash responded stating the issue had been resolved. However, the hard inquiry remains on my credit report and has continued to cause negative ratings against my profile for the last 3 months.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (SC)

Repeated calls everyday, to the point I had to block the number. All hours of the day. 
They started calling from a new number. I have told them multiple times to stop calling and they tell me I will be put on a no call list and they call again the next day.
Consumer complaint received 2024-07-08
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: Chime Financial Inc (GA)

I purchased a flight with XXXX XXXX for XXXX tickets total of {$870.00} in XXXX XXXX. The flight was scheduled for XX/XX/XXXX. 

I had to cancel the flight in 10 minutes within the 24 hours of the flight and filed a refund request with XXXX XXXX. Received a response that they would refund a certain amount due to the cancellation. I filed with Chime my bank a dispute due to my cancellation which was due to a medical emergency for my mom who had XXXX XXXX. 
I had to travel to South Carolina and was not able to travel to XXXX which the flight was set for. 
Chime has declined my refund request 4 times in which Chime is saying they find no fault. I have even submitted documentation showing the refund request with XXXX XXXX. 
Now XXXX XXXX stated that Chime did a chargeback and they cant refund me directly however Chime never gave my money back. So if they received a refund they never gave it to me! 
Months later I am still waiting for my money to be returned back to me! 
I have been with Chime since XXXX and I never had such an issue before but if they are stealing money that is not theirs they need to be held accountable for.
Consumer complaint received 2023-11-22
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

Chime without warning closed my account XX/XX/2022. This account was my main account that i receive my direct deposits. When they closed the account this caused my direct deposits to be returned to the sender and ultimately caused me to miss rent payment and other bills putting me in a financial hardship. I feel that the reason that chime closed my account is due to me filing several unauthorized transactions on my account. I had about {$6900.00} charged on my account spread out over the past year that i dont think that chime was happy about resulting in the closure of ky account. I didnt get my money back from these unauthorized charges let alone balance in the account. Im hoping that i can get assistance in filing a classaction lawsuit and legally pursue chime and be reunded for the unauthorized transaction and checking balance.
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NV)

Did not receive proper notice to dispute debt of {$510.00} total. 1st balance owed is {$260.00} and 2nd balance owed is {$240.00}. Both are with same collection company.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit score with Tansunion suddenly dropped from XXXX to XXXX with no reason given. It was very surprising because I had THREE positive changes in my usage of credit, total debt and available credit with no negatives reported with the drop in my credit score. My XXXX  score is at XXXX.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

For years, I have been making payments from my XXXX XXXX XXXXXXXX account, which were posted instantly. However, after switching to XXXXXXXX XXXX, I have consistently experienced delays of over 7 days. My most recent payment, made on XX/XX/year>, is taking 17 days to post, causing significant inconvenience and financial strain. 

According to the information provided by Apple Card, " payments can be put on hold if youve paid using a new payment method or by check, or if youve previously made payments that were returned. In the future, payments made with XXXX XXXX are usually available immediately. '' None of these conditions apply to my situation. I have been using the same payment method ( XXXXXXXX XXXX ) for several months now, and there have been no issues with returned payments. Nevertheless, payments were not available immediately. 
These delays have affected my ability to fulfill financial commitments, as funds remain unavailable for an extended period. I have contacted customer service multiple times, but they have been unable to resolve the issue due to a lack of authority. 
The current situation is untenable, and I can not afford further delays.
Consumer complaint received 2022-05-24
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: AMERICAN EXPRESS COMPANY (PA)

Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NY)

This is my third attempt in submitting a complaint to the CFPB dating back to XX/XX/XXXX and the company continues to close my complaint using other ( XXXX ) and duplicate ( XXXX ) without providing a response. On XXXX day XXXX, I received multiple text message and phone calls regarding my lowes credit card account with Synchrony Bank. When I returned the call and spoke with the representative as well as escalated call to a manager, I was advised to mail front and back of my id along with a copy of a utility bill to a XXXX XXXX XXXX FL. My account was placed in a special queue. No questions were asked. No transactions were discussed. The handling was disturbing and sketchy. No letter was provided until I requested a letter of explanation. I used my Lowe 's card in XXXX to begin my holiday shopping in store and made a few purchases online around XX/XX/XXXX, XXXX and XX/XX/XXXX. This included gift cards and pink tools/box for gifts and XXXX tree and trimming items for decoration. When I received this strange call and text messages on XXXX XXXX it ruined by holiday especially without proper explanation and delayed timing from my purchase activity. Even after sending USPS Priority docs requested, it took several weeks for Synchrony Bank to sort this out which was more disturbing. This was poorly handled on their part and I would like their management team to revisit this process and provide a detailed explanation on why this occurred ( poor turn-time, lack of information provided, multiples calls and text messages on a holiday, temporarily shut down my card pending escalation review, why send id and utility bill to a XXXX XXXX XXXX Florida, and why my complaint continues to get disregarded ). I previously uploaded an XX/XX/XXXX letter that I requested stating noticed some recent activity and want to confirm it was made by me, however when I called customer service they never once went over transaction details to confirm with me. Second letter dated XX/XX/XXXX that I requested outlined to send the utility bill, bank statement, current rental agreement and driver 's license to a XXXX XXXX in XXXX XXXX, FL. The third attachment was my USPS Priority Tracking Number XXXX confirming delivery on XX/XX/XXXX to XXXX XXXX, FL at XXXX. However it took forever for Synchrony to complete their review and re-activate my line of credit with Lowes. I am expecting a response and ask Synchrony and the CFPB for the third time not to close my complaint until a review is conducted and an appropriate response is provided by Synchrony Bank.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

The check I deposited to my Wells Fargo account on XX/XX/23 for {$5700.00} cleared. It even shows as cleared on my Wells Fargo statement. Yet Wells Fargo claims it didn't clear and that was cause for closing my account.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (KS)

I applied and was accepted for a milestone credit card in XXXX of 2023. Once I received and activated the card over the phone, I began using it. I quickly noticed that it was almost impossible to pay your bill in an efficient manner unless you called on the phone. I would call repeatedly and no one would ever answer the phone. I tried paying online and was promptly locked out of my account and because they don't answer their phones I have not been able to ever get my account unlocked. I even mailed a check to the address that they provided in their information pamphlet when the card arrived. The check was returned. It turns out that this company was purchased by another company somewhere along the way and I was never informed about this transition or given the information needed to contact the business in order to get my financials where they need to be. Now I have a negative hit to my credit because this company did not clearly state or provide a convenient way for their consumers to pay their bill. I would be happy to settle my bill in exchange for the negative non-payment notices to be taken off my credit report and the absurd amount of what I assume are late payment fees to be removed as well. This is not trustworthy of them to do to their customers. I have worked hard to improve my credit over the last XXXX years and this credit card has single handedly tanked it yet again. I will be hiring an attorney if this can not be disputed promptly.
Consumer complaint received 2023-12-30
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me remove these illegal accounts from my credit reports. 
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 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 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, I was rear ended. The other driver 's insurance company ( XXXX ) totaled out my car. They then took over financial responsibility for my vehicle. On XX/XX/XXXX, I got on a conference call with an insurance rep at XXXX & at USAA. The XXXX rep said they would send a check to USAA for the remaining balance owed on my car and deposit the remaining amount into my account. On XX/XX/XXXX, I checked my USAA account & noticed my auto loan was still open. I contacted USAA and told them the loan should be closed out. They told me they had not yet received a check from XXXX. I contacted the XXXX rep who had be handling the claim. He confirmed the check had not been cashed. I called USAA, spoke to another rep, she confirmed they had not yet received the check and said the auto policy number needed to be on the check. I called the XXXX rep back and asked if he had included that number. He had not included that number. There was no effort made on USAA 's part to contact XXXX to let them know they needed the policy number, nor was there any effort made on XXXX 's part to find out why the check had not been cashed. The XXXX rep re-issued a check, including the policy number. However, because of the time laps, interest on the loan accrued. I explained to the XXXX rep that because of the time laps interest had accrued, but he made no effort to make his mistake right by contacting USAA to find out the corrected amount due. I have explained the situation to several different people at USAA, and have even spoken with people directly in XXXX XXXX 's office, asking them to either request a check from XXXX for the remaining balance owed of {$59.00} or to cancel the loan. XXXX took over financial responsibility of my vehicle, and it is due to XXXX 's and USAA 's negligence and inability to community that it took a month and a half for USAA to get a check from XXXX. As it is XXXX fault there is an outstanding balance, I am not responsible for the amount due.
Consumer complaint received 2023-11-22
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. (GA)

I am submitting this complaint to bring to your attention a matter of utmost urgency regarding the compromised state of my credit with your institution. It has come to my notice that there have been recurring issues in preventing the unauthorized inclusion of items in my credit file, even when accompanied by an FTC fraud report. This marks the ninth attempt on my part to dispute items in my credit file resulting from an alleged identity theft. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), it is imperative that you promptly adhere to the mandated timeframe for the removal of any items in my file linked to alleged identity theft. The stipulated duration for such action is not later than four business days following the date of receipt, contingent upon the provision of ( 1 ) appropriate proof of the identity of the consumer and ( 2 ) a copy of an identity theft report. Im sending over an Identity Theft Report XXXX XXXX. For your reference, I have provided the following details : 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I requested from the three major credit bureaus XXXX, XXXX, and Experian to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting my credit.