davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MO)

In late XX/XX/XXXX, I received a letter from JP MORGAN CHASE BANK stating the bank had made a decision to close all of my accounts, except for my XXXX loan account. I went to my local branch, but no one there could ( or would? ) tell me why this decision was made. I had XXXX checking accounts, XXXX credit card account and an XXXX  loan account with Chase. Also, many years ago, my XXXX had made me the XXXX  on her Chase checking account so I planned to utilize that money for her care, as she started struggling with XXXX. After Chase informed me they were closing my accounts, I then tried to transfer money out of XXXX of my accounts, using the online service, but that was not an option. I tried to go into the branch and get money from either my checking or from my XXXX checking, but was told by the cashier that I could not get cash from either my accounts nor from my XXXX  account. This was in mid XXXX. My XXXX  is now XXXX XXXX XXXX and she is in a nursing home ) and needs clothing and other items as she lived in Texas  until XXXX and needed warmer clothing for XXXX XXXX. Finally, after 3-4 trips to the branch and finding the mobile app was no longer of any use to me, my accounts were actually closed in late XX/XX/XXXX. However, my XXXX  account was closed before my accounts were. Her money just disappeared from the mobile website. She had over {$4000.00} in her account. I called the Chase XXXX # again in XX/XX/XXXX and told them I was going to file a complaint with OCC. XXXX days later, in mid XXXX, I received a check for all of the money from XXXX checking account via an Express XXXX delivery to my home.. Today is XX/XX/XXXX and I still need to know what Chase did with my XXXX  money and how I can access this money for her care. Also, why wont anyone there tell me why these decisions were made?
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (MA)

During the beginning of the pandemic I applied for an Apple Card but shortly after being approved for the card I was laid of from my job at the time, meaning I did not have a source of income. I had no savings or anything and I was only relying on this one credit card. 

I tried making the lender aware of the problem and asked for the late payments to be removed and they said they will do it and its been almost two years and the late payments still showing up on my credit report.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

My family moved into XXXX XXXX XXXX on XX/XX/XXXX. The building was " XXXX ''. My lease was for {$1400.00} for the unit, and {$100.00} for parking each month. The terms of the lease that I signed included that I needed to give at least 30 days written notice of intent to move out. I gave XXXX days notice via email to the building XXXX on XX/XX/XXXX, XXXX told me that I needed to give 60 days notice, however that was not a term of the lease I signed. I paid all of my rent and parking fees through the whole period. I have documentation of that. I tried to schedule a walkthrough with the building before I left but they said to just leave the keys inside the apartment. I took a video on XX/XX/XXXX at XXXX, the day we moved out, to show the condition of the apartment. It was very clean. I was not contacted by XXXX regarding any owed debts at all after I moved out. I then got a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. They said I owed {$1100.00} ( XXXX # : XXXX ) from XXXX. I requested validation of the debt and they mailed it out on XX/XX/XXXX and I received it on XX/XX/XXXX. It included vague charges including " Charge- gross potential rent '' and " Charge - parking other '' and " Charge - Damages ''. There were no details of the specifics of what was owed. I do not owe those debts. There was also a security deposit of {$1200.00}. It was never returned to me and it is not clear why it was not used for any of those alleged debts.
Consumer complaint received 2024-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I was recently incarcerated for getting in a car accident and hurting someone else due to reckless driving. I recently was released from prison and am trying to get my life back on track and I did a credit check to see where I am at and to my dismay I see someone has opened multiple accounts in my name and I have like 40 hard inquires over the course of couple months. I noticed an account opened on XX/XX/XXXX with XXXX XXXX XXXX, On XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Midland Funding LLC XX/XX/XXXX I contacted all of the above and all of the response was that they were attempting collect a debt that is attached to my name and ssn. I am not aware of how any of these accounts were opened and my incarceration is clear public record. It was impossible for me to have opened these accounts at these times and all I am trying to do is get my life back in order and get my kids back with their mother full time after my life has been uprooted with the biggest mistake of my life.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

I would like to bring to your attention that during the period in which this account was allegedly opened, I was XXXX to XXXX, XXXX, and therefore, it would have been impossible for me to initiate the application process or approve any associated transactions. 

I am requesting a thorough investigation into this matter to rectify the situation promptly. Please find attached copies of my XXXX orders, which serve as proof of my location during the time in question. Additionally, I have included any supporting documentation that may aid in your investigation. 

I insist on the immediate suspension of the account in question to prevent any further unauthorized transactions. I also request that you provide me with detailed information regarding the steps being taken to investigate and resolve this matter. 

Please keep me informed of the progress of your investigation and provide me with written confirmation once the issue is resolved. I understand the seriousness of identity theft and appreciate your prompt attention to this matter. 

Thank you for your immediate attention to this urgent matter. I am available at the contact information provided above and am ready to cooperate fully with your investigation. 

Sincerely,
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC (CA)

I initiated an " instant '' transfer via Betterment 's XXXX payment service from my savings account with Betterment last Wednesday XX/XX/2024. Since it was advertised as instant I expected this payment to either be instant or at the every least within XXXX hours. I saw nothing come into my account but it was immediately withdrawn from my Betterment account since which time I have had no access to my own money for over a week now. On Friday XXXX XXXX I received an email saying Betterment needed an additional verification via a different account to the one I used with their Plaid instant payment service. I then sat on the phone for nearly XXXX hour doing this with them in what felt like a very shady and weird verification system which involved me having to call another bank with them on the line. Their customer service representative XXXX then confirmed that the money would hit my account XX/XX/XXXX after I completed this " additional verification ''. XX/XX/XXXX rolls around, no money in my betterment account, no money in my other savings account. I call them again XX/XX/XXXX. The next customer service rep XXXX agrees that Betterment should not be holding my money and apologies but nevertheless says they are still holding my money. Today, XX/XX/XXXX, I receive an email saying that they are still holding my life savings and will transfer it in some more days. Betterment are acting in bad faith withholding money from their clients, that is customer money and unjustly enriching themselves with a hold that goes on more than a week where they withdraw Money from the client account and keep it for themselves. Betterment refuse to put the money back into my account with them, and the money is nowhere to be seen in the account I asked to 'instant " transfer it into over a week ago. Betterment is either unjustly enriching itself with their " partner banks '' holding onto client money or just plain stealing. It's not for Betterment to loan itself customer money and hold it XXXX for days on end.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : SHELLPOINT MORTGAGE XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

ON OR ABOUT 3 MONTHS AGO, I SPOKE TO XXXX, EQUIFAX AND XXXX IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.
Consumer complaint received 2024-01-09
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Subject : Dispute of XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX Department, I am writing to formally dispute an erroneous entry made by XXXX XXXX XXXX on my credit report. This entry, which negatively impacts my XXXX XXXX, suggests that I have an outstanding balance on my XXXX account. However, this claim is incorrect as I have never received any billing statement or communication regarding this alleged debt. 

I first became aware of this issue upon reviewing my credit report from XXXX on XX/XX/24. To my surprise, I noticed a negative entry from XXXX XXXX XXXX indicating a missed payment. I was never notified of any outstanding balance, nor did I receive any billing statements or reminders from XXXX XXXX XXXX, which would have allowed me to address any legitimate debt promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies in my credit report and request an investigation into these matters. I firmly believe that this entry is a mistake, possibly due to a clerical error or miscommunication. 

I kindly request that you investigate this matter promptly and remove the inaccurate entry from my credit report. This error has unjustly affected my XXXX XXXX and could potentially hinder my financial opportunities. I expect a response within 30 days, as mandated by the FCRA. 

Please note that i have been unsuccessful with getting XXXX to resolve the matter. 

Please send me written confirmation of your receipt of this letter, the results of your investigation, and the subsequent actions taken to rectify this issue. If further information or documentation is required from my side, feel free to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your immediate attention to this important matter.
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2023, I went to Wells Fargo at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I wanted to wire transfer a couple of securities to my XXXX XXXXXXXX account. The XXXX told me that they can do it but will not do it for me.
Consumer complaint received 2024-01-09
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IA)

On XX/XX/XXXX I purchased a refrigerator from Home Depot using my store credit card that had a promotional interest rate of 0 % for 24 months on purchases of {$1900.00} or more before taxes and fees. My purchase met this requirement and I had qualified for the 0 % for 24 months and confirmed this rate at check out. I then set up automatic payments and paperless statements and kept my account in good standing. Knowing that the 24 months would be coming to an end this year I checked my account online to see how much I would owe on the last payment so that I would not have to pay interest. I then discovered my account balance seemed higher and then discovered there was an error and the 0 % was only applied for 12 months instead of XXXX. I then called the customer service number XXXX on XX/XX/XXXX and spoke with a customer service representative, their supervisor and their manager and explain the situation and told them I no longer cared about the promotional rate and asked that they reimburse the interest that should not have accrued in the first place until after 24 months. They told me that because it was 60 days past when the promotion expired they couldnt do anything but they could waive this months interest fee. When the accrued interest charge hit it was {$760.00} therefore I did not feel their offer of waiving around {$50.00} was adequate since this was an error with their system and not what was agreed upon when the purchase was made. The Home Depot credit card is through Citibank.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

I requested a report from lexis nexis. I received a letter with a code to access the report. The code did not work. I contacted and spoke to a rep who told me he tested the code and link and that it worked, however it would not work for me in three different browsers and he never asked what link I was following or what code I was using so I don't believe he was being truthful. I went back online to re-request the report and after providing much information the site gave a message stating it could not process the request and to try back later. I attempted to file a complaint directly on their site and received the same message. I believe I have wasted enough time trying to get information that is about ME from a company who is reporting information incorrectly and causing my insurance quotes to triple!! I hope someone here can prompt them to do the absolute minimum which is their XXXX job!!!
Consumer complaint received 2024-01-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (UT)

Was told by my mother someone called her about something with a loan for me. Was continually asking her about my place of employment. She refused. 
I got the number from my mother ( who is sick with XXXX and in immense pain ) and called XXXX with XXXX. I told him he XXXX no longer contact my mother and to take her off my contact list. He said he could not do that. I told him that was illegal and he proceeded to tell me that what I was saying was silly. I explained she was going through XXXX treatments and only THEN did he offer to remove her number. This is NOT a game.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

US Bank offers a reward point system as their " cash back '' on credit cards. These points are transferable to cash, or redeemable via a US Bank portal, however to redeem to cash, you can only do so in units of XXXX points. All promotional materials for US Bank credit cards note that you can receive " cash back '' for rewards spending on their credit cards, but there is no where, including in the card member agreement, that tells you that the redemption can only occur in units of XXXX and that you must have a minimum of XXXX points [ equivalent to {$25.00} ] to redeem points. This is deeply misleading to consumers as nowhere in promotional material does it suggest that redemption of rewards would be restricted like that, and then once you have an account, you need to constantly spend in order to achieve certain points totals, and unless you exactly mete out spending, there will always be 'superfluous ' points that can functionally never be redeemed for their cash value.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (FL)

I sold my business, XXXX XXXX XXXX XXXX on XX/XX/XXXX. First Collection Services has been calling me countless times this year about a bill due to XXXX XXXX advertising. 
I explained that I sold the business and four people I talked to gave me the name of someone who signed the contract that 1. is not me 2. was signed a year after I sold the business. 
I have explained this many times and they have called me on XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and XXXX and left messages in spite of my explanation.
Consumer complaint received 2023-07-15
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (MS)

XX/XX/year> I sent a affidavit of truth for violations of the truth in lending act and 15 usc 1635 right to rescission of the contract, and failed to go by the tila.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexis nexis are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the XXXX court of XXXX, ga, which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report. Thai bankrupcy is also fraud because I never applied for bankruptcy so its not my bankruptcy