davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

While checking my credit report, on XXXX I saw a collection from CEDARS BUSINESS SERVICES, a Collection Agency on XXXX. This is not my account or never lived in that area and. I made a dispute to XXXX online and by phone. I also called the CEDARS BUSINESS SERVICE and the representative told me to provide proof of residence for XXXX. I sent the proofs via email on XX/XX/24. And when I checked my credit again XX/XX/24. It said verified and updated as verified.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (OK)

On XX/XX/2024, at XXXXXXXX XXXX  I prepared to transfer my money from my XXXX checking to my savings account with Marcus, as I had just been paid according to my recent transactions. I had about {$710.00} in my Marcus savings prior. 

When I tried to log in through the Marcus app, the screen displayed that I needed to log out, and it automatically logged me out, not even a few seconds later. I was surprised but didn't think much of it since the app had a face ID login, and I tried to log back in like normal. When I put in my information on the username and password, the screen showed me that the username was not found. I tried logging in until a screen displayed a phone number to call and a text saying, " We've temporarily locked your account. Please call us to have it unlocked, '' which I did first thing in the morning. 

The person on the phone asked for my information, and I gave my personal information, to which they responded, " Please call us again when you have the correct information. '' I was shocked as I had emails and phone text messages from my Marcus account with the same personal information I had given them. I called again the next day, and this time, they asked for my secret code, which I still needed to remember as the automatic face ID login assured me I didn't need to manually memorize my information as they have a secure login system. 

I called repeatedly and still need help to unlock my account. I was told, " Please call us again when you have the correct information. " I gave up as I realized I had made a mistake in not manually memorizing my secret code. I also manually tried to reset my username and password through the app, which didn't work either. 

I didn't know what else to do but was puzzled when I still received emails from Marcus about my account. Then, I learned about CFPB from my manager, which is why I am writing this complaint. If Marcus recognizes my email and a savings account clearly tied to my person, why can't I log in and have access to my money? Could you let me know why I am not given any other way to prove I am the owner of my own account?
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

My credit card ( TD Bank ) last 4 digits XXXX was cancelled over two years ago. A recurring charge ( XXXX membership ) was still being added annually. I spoke to the vendor and they apologized and refunded in cash the amount due. regardless for two years I have accumulated late fees and penalties on a cancelled card. I offered to pay back the original fee, which was refunded to me by the vendor. This past XXXX XXXX I was told by customer service a hard copy invoice would be sent to me explaining the terms of payment and monies to be refunded. Also I was given an apology due to the fact that a cancelled card still had new charges against it. Now I am told that it was a mistake for the service rep to offer that, since TD bank does not do that. 

I am more than willing to pay back the original charge ( {$60.00} ). But not any late fees or penalties. I did what was required from me. The vendor apologized for the recurring fee after the cancellation of my membership. That is why they refunded my annual membership fee. I am more than willing to pass it on to TD Bank.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I recently applied for a XXXX XXXX XXXX XXXX of credit with XXXX XXXX  Application # XXXX Located on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX came back as denied - several days ago - date of denial - approximately XX/XX/XXXX from XXXX XXXX XXXX XXXX Reason - according to the XXXX at EXPERIAN XXXX XXXX XXXX XXXX  Credit card ending XXXX - balance - {$140.00} - due date XX/XX/XXXX - PAID - check # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  can a balance even make it on a credit report prior to date of delinquency?! 
XXXX ) XXXX XXXX Credit card ending in XXXX - balance - {$3600.00} - I don't even have a current or previous balance for this card # near this amount- I have a card XXXX paid {$3600.00} check # XXXX - also card ending # XXXX - XX/XX/XXXX - PAID - check # XXXX - {$2400.00} and card ending # XXXX - check # XXXX XX/XX/XXXX - PAID {$1500.00} XXXX XXXX  due date XX/XX/XXXX -THEY DIDNT EVEN GIVE ME THE CHANCE TO PAY IT SO i SUPPOSE THE CREDIT CARD BALANCE MUST BE PAID PRIOR TO RECEIVING THE MONTHLY STATEMENT IN ORDER TO NOT GET A BAD RATING - XXXX XXXX - SO THEN WHAT IS THE POINT OF HAVING A CREDIT CARD IF THE BALANCE MUST PAID IN FULL EVERY XXXX  TIME ITS SWIPED! 
XXXX ) XXXX XXXX ending XXXX - This is the XXXX XXXX XXXX statement I have ever received from this company to date - PAID - XX/XX/XXXX - check # XXXX - {$230.00} due date XXXX XX/XX/XXXX XXXX ) reference # XXXX - PAID - {$63.00} Check # XXXX to ACCT - XXXX - XXXX XXXX XX/XX/XXXX XXXX ) reference # XXXX - PAID - {$220.00} to XXXX XXXX XXXX check # XXXX - XX/XX/XXXX I am not sure why this XXXX is on XXXX report- I have photo copies of all these checks in pdf format but apparently I cant send them to you because as stated above " Do not include personal information, such as your name, account number, address, Social Security number, etc '' Yet throughout the multiple attempts I made to contact a " living '' human being at EXPERIAN to address these discrepancies on my credit report - that is the first XXXX  thing they request " for my security '' whether via telephone or e-mail is FULL SOCIAL SECURITY NUMBER XXXX XXXX ADRRESS AND XXXX XXXX EXTENSIVE PERSONAL IDENTIFYING INFORMATION IF YOU ASK ME I thought an individual was allowed to pay a credit card balance by due date BEFORE IT WAS CONSIDERED IN ARREARS AND WOULD REFLECT NEGATIVELY ON A " CREDIT REPORT '' XXXX XXXX For at least the past 6 or more years there has not been a single credit card balance I have not paid in full You can see how long ago the " XXXX XXXX XXXX XXXX' amounts were paid - IT IS BEYOND ME WHY IS XXXX IS EVEN ON ExPERIANS REPORTS - after the checks have been deposited into accounts Please help with this problem Thank You and Please excuse my frustration To me this is unacceptable business practice
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

I ordered XXXX XXXX hoodies and XXXX boots from XXXX The XXXX boots came and were delivered along with the photo from XXXX. The hoodies were shipped seperately and they were misdelivered-along with fedexs photo showing a different background and wrong address. I called SEVERAL times with a few case numbers given but they would not remove the charges even though all proof and documentation was sent to XXXX. XXXX even said for XXXX  to file a claim do they would get reimbursed and XXXX REFUSED.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

Citicank is stating that I have an account ending in XXXX, but I have no records of this account and it is not showing up in my Citibank website. I have called Citibank multiple times to try to resolve this but they have not sent me any information on this account. I have requested them to sent me all documentation showing how & why they believe this is my account. I told them I don't have any problem paying, but there is no statements, billing, nothing on this account. This has been going on since XX/XX/2018 when I first called them about this. I have also, called XX/XX/2018, XX/XX/2018 & XX/XX/2018 about this account and requested statements, documents, etc on it but have not received anything on it. Citibank reps have called me only to request payment on this account, and I again requested the information but have not received it.
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IA)

I received a AMEX gift cards from my employer. I find I can't use this card anywhere. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my XXXX unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my card in cash/check.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (OR)

This is another one of numerous corporate fraud complaint that i have submitted against Hyundai finance. After the previous complaint was settled, they called to apologized and adjusted the account to reflect the accurate amount. In XXXX, XXXX all outstanding balance of {$1400.00} was settled, which is in the amount of {$1000.00} paid on the XX/XX/XXXX, while another {$500.00} was paid on the XX/XX/XXXX and the balance should have been credit {$13.00}, while the account was brought into current. However, it does not reflect the outstanding balance credit of {$13.00}. Calculated debit {$1400.00}. Paid Amount ( {$1000.00} + {$500.00} ) = $ XXXX {$1400.00}. 

Nevertheless, after settled all the outstanding payment in XX/XX/XXXX Hyundai finance added additional {$370.00} to my monthly financed payment for the month of XXXX without any letter, nor call or notice. I contacted them to complain about the padded fees, after 3 days of avoidance to give reasonable reason for the illegal fess added to the account, they finally told us that it was for the re-possession fees. 

My car was never re-possessed at any interval and the fact remain that we never owned payment than 3 months, which does not triggered re-possession.They claimed that it was re-processed last year, XXXX in the month of XXXX. However, this is a lie. 
Additionally, there was not prior notice of re-procession. I have tried to reach them numerous times to remove the padded fees, but they told me they will never do that. Also, not viable explanation to support their story of just adding a fee of XXXX, XXXX to XXXX, XXXX. Right now the account is showing balance of {$840.00}, which is accumulated of the padded fees of {$370.00} + {$480.00} the real monthly payment. 

I feel like Hyundai finance does not want my account to be current, and this is why they lied and want to defraud me with additional illegal payment of {$370.00}. I want it to be noted that i feel like this is a retaliation towards the previous complaint i have submitted against Hyundai finance and they should be hold accountable with a heavy levy fees against them. If this goes unchecked i fear that Hyundai finance will justify the same reason to all their customers.
Consumer complaint received 2024-02-23
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 (AR)

My chime credit builder card was stolen on XX/XX/2024 along with my wallet and phone. Police report made. Chime was notified on XX/XX/2024 when I was able to get into account and found the unauthorized charges totaling XXXX police report provided to chime. They denied my dispute in less than XXXX hrs. I reopened dispute XXXX more times and was immediately denied. The information received by chime as the documents used to deny my dispute was my original dispute information and the police report. I am attaching the emails denying my dispute. As well as the documents they used for denial. They blacked out the info on those documents.
Consumer complaint received 2024-03-24
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. (FL)

Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Experian is invading my privacy, I have had adverse events that have occurred due to the reporting of inaccuracies. I have also attached a police report to show my personal identifiable information was stolen. 

I would like for all of the addresses listed below to be TAKEN OFF MY PROFILE. The only address is the address listed on my XXXX Identification which is attached Addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The name listed below is inaccurate and is not the name on my identification - XXXX XXXX XXXX I would like for all of the accounts with balances for account number XXXX taken off my profile as there was no written consent to repost said accounts. 

Account XXXX- needs to be removed as this is a potential negative impact which is an inaccuracy due to this account being paid off. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

I also received a notification on XX/XX/XXXX that I have a new address reporting which I have not ever been to the state of Virginia, nor do I know the people who reside at the address, this shouldn't be reporting on my account. DO NOT ADD THIS ADDRESS TO MY PROFILE ANOTHER INACCURACY. 

XX/XX/XXXX Experian has a New Address on your Credit Report. 
Experian has a new address on your Credit File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Source : Experian Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

XX/XX/24 : Chase Bank emailed me about opening a business checking account. I already had a personal account with this bank and signed up and was approved. I initiated a fund transfer of {$1400.00} from my Chase personal checking account to my Chase business checking account and also initiated the process to link my Chase business checking to my XXXX personal checking account. 

XX/XX/24 : I received an email that my Chase account was restricted for potential fraud. I lost the ability to log in to my Chase personal and business checking accounts. I called the Chase customer service number listed in the email and was told I could not be helped unless I had a debit card number for the business account, and to wait for my business debit card to arrive prior to attempting to unlock the account. 

Later in the day on XX/XX/24 I called the customer service line again and had my personal checking account unlocked. I was told by the representative the same information regarding waiting to receive a business debit card prior to being able to unlock the new account. 

XX/XX/24 : {$1400.00} was removed from my Chase personal checking account XX/XX/24 : I again called Chase customer service as I had not received a business debit card and needed access to my funds. I was told by customer service that my account was closed and that I could not have my account refunded. I was asked why my account was closed and was not given this information. 

I was told by the service representative that I could expect reimbursement in form of cashier check within XXXX weeks of account closure. This has yet to be received at this time and I still do not have access to my {$1400.00}.
Consumer complaint received 2024-02-22
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: CITIBANK, N.A. (WA)

I made a purchase in XXXX for about {$50.00} and I paid for the purchase in store. Macy 's created a credit card account without my consent and they charged on my credit card for {$34.00}. I wasn't aware of such an account. I was NOT contacted by Macy 's by phone or mail or email. After 2 years, I noticed a sudden drop in my credit score in XXXX with delinquency and noticed a new account on my credit report from MACYs. 

I called MACY 's and enquired. They said I missed a payment of {$34.00}. I was surprised as to what this payment is for and more shocking to know that there was an account on my name without any kind of notification. Macys never sent me monthly statements via mail or email too. I have asked Macys to close this account since I wasn't aware of this credit card account. 

Based on my simple google search, It looks like there are a lot of people affected by Macys by creating credit card accounts without their knowledge. This is very concerning about Macys and the CFPB should look into this aggressively to address fraudulent activities like this. I've been very diligent with my credit score for more than past 5 years of my stay in XXXX and this one fraudulent activity by MACYS is affecting my credit score. 

I kindly request prompt action and remove this from my credit report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This consumer reporting agency is reporting XXXX on my consumer report. According to the IRS publication ( ATTACHED ), CHARGE OFF is INCOME. DELETE THESE INACCURACIES IMMEDIATELY.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

My account was XXXX  and my funds werent spent out of my account after disputing and emailing of my necessary documents to the company a partial payment of XXXX was released and shortly after my account was frozen Ive been trying to contact the company I've been Adamantly working the phone and e-mail attempting to gain access to my funds at credit karma. It's been XXXX hours now. I have heaps of case numbers, tons of promises from their reps that the escalated dept. will email me within hours, sometimes they promise minutes, l 've been promised my account to be unlocked twice just 'as soon as this call ends Ive never received a email saying my account was being frozen please assist I have a XXXX year old to provide for and im currently with food, gas and necessities because my funds are being held this absurd