davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems Acct # XXXX Amount- XXXX I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS XXXX please have this company cease all collection activities this my last attempt to complain outside of court.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (WA)

I opened an account online with Marcus Goldman Sachs and my credit union would not transfer the large amount of money so Marcus Goldman Sachs suggested I mail them a check and it would just be deposited into my new account. 2 days After mailing my check that states my account number that funds were to be depositied into XXXX contacted me to inform me that they closed my account due to inactivity. I then was told the check would be mailed back to me and they confirmed my mailing address to mail back. A couple days after that I was shocked to find out they had cashed that check and I had no access to my money nor have I had any luck getting that money back or where they have put it. It is not in my account and I have called multiple times to ask if they can wire the money back but am told over and over again someone will call me back and nobody has yet called me back nor has the problem been resolved. They fraudulently cashed the check that stated clearly to be deposited into the account number on the check and have held my money somewhere?? I have lost out on investments and now will be unable to bid on a real estate deal that the money was to be used for and was ALWAYS intended to be kept LIQUID. It has been two weeks since they cashed the check and used for their own benefits as funds and I have had the loss of financial gain from it and time wasted trying to get anyone compatent from XXXX to resolve the issue. This was all my savings!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SC)

I Contacted Lexus Nexus on XX/XX/2024 requesting an investigation and review of information provided by consumer reporting regarding inaccurate and erroneous items on my credit profile. Lexus Nexus disputed the unauthorized inquiries on my file but claims that the collections items can not be disputed. There were 4 collections present that does not belong to me. I have disputed those items and a closed account. Lexus Nexus is in violation and incompliance of the FCRA 15 U.S.C 1681. The information on my profile is inaccurate and erroneous and I my resolution is for an immediate removal of those 4 collection items and removal closed account with XXXX XXXX XXXX.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NV)

Chime closed my account because of deposit reason said I violated the deposit agreement and I have not violated any agreement they made a mistake onu account because no one deposited any money into my account besides my employer and me reloading money thru XXXX there has not been any others ways that money was deposited money into that accounts they say I'm not XXXX any refund money from that account
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CO)

Chime closed my acct because I was depositing money into my acct from a betting site. They closed my acct and only sent me a XXXX out of a $ XXXX check after months of me calling them. Then they told me I should receive the rest at a later date but I never received anything else. It happen XXXX XXXX. Everytime I call them they just gives me the round around but as of XX/XX/XXXX, I still haven't received my money back
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Total Card, Inc. (TX)

Total Card Inc. took over when XXXX XXXX went out of business. I have not received a monthly credit card statement in over a year even though I have continually requested them. I have made my payments on time each month and have never been late. However, starting in XX/XX/year> they have failed to credit my payments properly. In XXXX I owed a balance of {$170.00} and since then I have paid {$120.00} and they show that I owe {$75.00}. I have sent them copies of all of the cancelled checks and basically they have chosen to ignore me. My balance due should only be {$50.00}. By the end of XXXX, my balance should be XXXX but the way that they are accounting for the payments I will still owe them {$25.00}. That means that starting in XXXX I will be past due on a bill where I will owe nothing. They are refusing to do anything about it.
Consumer complaint received 2024-05-09
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: Affirm Holdings, Inc (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact 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 severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist allowed me to pay {$35.00} for a stop payment and told me that deposit would not go through. On XX/XX/XXXX deposit posted transaction number Reference # XXXX the amount of {$660.00}. I demanded for this payment to be made available. As there had been no proper disclosure of a XXXX  party name XXXX  who processes cash reserve for Truist. I asked Truist to show me with my wet ink signature where I authorized the cash reserve to be taken from a deposited balance that the bank refused to process. Because of this refusal to process my request. The funds were deducted to re pay cash reserve. Cash reserve should have not authorized this transaction without my explicit permission in writing as the account holder. I asked Truist to cease and desist all collection activity as a formal investigation should have taken place for failure to provide proper disclosures. I was not able to properly dispute this transaction as valid and Truist stated there was nothing they could do to temporarily make this funds an available even after stated a hardship. The deposited funds were to be stopped but Truist never rejected to transaction instead took the money and has a hold on them.
Consumer complaint received 2018-11-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (FL)

I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. I obtained the credit reports and it said I owe {$190.00} to Caine & weiner co and originated with XXXX XXXX. Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX has committed fraud by selling this fraudulent debt to Caine & Weiner Co which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-11-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

Debt Recovery Solutions reported a medical bill in the amount of {$960.00} on my XXXX credit report without notifying me in XX/XX/XXXX. If they wouldve notified me, I wouldve had the chance to dispute the medical bill that is not mine. The same medical bill was disputed with XXXX in XXXX which was sold to Debt Recovery Solutions. As I stated in XXXX this medical bill is not mine and the billing error that occurred with the hospital is not my fault. Ive been with the same employer since XXXX and Ive always had medical insurance. Attached is a copy of the complaint that I filed in XXXX which has evidence that this bill is not mine and I would like it removed from my credit report and never reported again.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Someone stole my USAA credit card and charged {$17.00} on it. I contacted the USAA Bank who agreed to delete the negative information from my XXXX credit report and pay me {$22.00}. The negative information was deleted as promised but on XX/XX/year> the negative information reappeared on my XXXX credit report dropping my score XXXX points. 

I never received the {$22.00} as promised and now the negative information has reappeared. I continue to get letters saying that they don't know where to send the money. Whenever I call USAA I get the runaround. Meanwhile USAA is violating my rights under the FCRA. 

I have called USAA many time to tell them that my mailing address is XXXX XXXX XXXX - XXXX XXXX, XXXX, Va XXXX USAA is reporting fradulent information and refusing to pay me {$22.00}
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (FL)

On XX/XX/year> I notified GUARDIAN CAPITAL MANAGEMENT via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD. 

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT. 

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (NC)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2023-03-16
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX and Equifax credit bureaus must verify his item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MI)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' XXXX and XXXX are consumer reporting agencies and I'm indeed the consumer. I have the right to ensure that my private information isn't shared or breached which is backed by 15 USC 6801which further states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. '' CHRYSLER CAPITAL by definition under that title. 15 USC 1681 Section 604a sec 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CHRYSLER CAPITAL the financial institution and the Consumer Reporting Agencies XXXX and XXXX do not have my consent to furnish this information and they do NOT have my written consent either. Any and all consent to XXXX and XXXX, CHRYSLER CAPITAL whether it be verbal, non- verbal, written, implied, or otherwise revoked. 15 USC 166802 ( b ) ( c ) states that " A Financial Institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. '' CHRYSLER CAPITAL never informed me of my right to exercise my nondisclosure option. To add 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes in which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission which is against the law, 15 U.S. Code statute 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12CFR statute 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA continues to make changes to transfers without notifying clients. Money transferred by XXXX on XXXX is now being held without notice or good reason. The money clearly shows it's arrived in my USAA XXXX activity account. I routinely transfer funds via XXXX for convenience and speed of delivery. I am now overdrawn and delinquent because of a change unbeknownst to me. The rep could not answer " why '' or when the funds would hit my account. We need to stop letting Banks " hold funds '' unnecessarily in the name of " Fraud '' protections.
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX XXXX was trying to charge for old internet equipment that their installer took when we were getting our new fiber internet service hooked up with new equipment at our new home. Now sold it to TRANSWORLD SYSTEMS INC and put it on my credit.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Received notification on XX/XX/24 of my account being closed as they claimed my credit score was not worthy and stated it was at a XXXX. I filed a dispute on XX/XX/24. I have evidence that states my score is XXXX higher than theyre reporting, but now they will have damaged my score when the next reporting schedule happens. 

I have never missed a payment and had no outstanding balance at time of closure and have no recent ( >2 years ) derogatory marks from any of my other creditors that I currently have for revolving accounts.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have made multiple efforts to reach out to capital one for my spark credit card about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

At the start of XXXX I purchased a month-to-month service with XXXX XXXX. This would provide my house with internet on a monthly basis after payment. If I don't pay, I do not get XXXX. 

After relocating, they kept the Internet running without payment. I was not notified nor was I asked to provide payment. There was no contractual agreement that would allow for them to rack up debt for services rendered that were not directly provided to me. 

Without proper notification from XXXX about the Internet fees, a collection agency purchased my debt. I filed a dispute with them back in XXXX of XXXX and was not informed following this dispute. 

Skip ahead to XX/XX/XXXX, the debt is sold to XXXX XXXX XXXX 

I called XXXX XXXX XXXX XXXX my former disputes being ignored. They said this is out of their control and they would have to open up a claim. 

I demanded proof of debt. The man over the phone told me that this is not their responsibility ; that the burden of proof lies on me. That it is my responsibility to provide proof. I told him this is in violation of my consumer rights and that if the company feels they are owed money, it is their responsibility to prove it. This is where he told me " XXXX appreciates your business '' and hung up on me. No resolutions. 

I called back in which yet another irate employee told me they will send me an itemized statement from XXXX. Again, no proof that I owe them money -just a list of what XXXX claims I owe them. 

It has been over a year and I still have yet to see any documentation from any of these entities proving that I owe money to XXXX. I am being strong armed and neglected by these agencies and the only option they are giving me is to cough up the money.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I contacted Chase bank about my payroll deposit.This is because Chase bank advertises that with my secure checking account, I would get paid two days early.Long story short, I argued and complained to my employer because Chase bank lied and said that my employer has not deposited anything into my account.I learned it was a lie because my employer sent me the form showing they had already delivered the pay to chase bank.any ways, my payday was supposed to be XX/XX/XXXX Chase Bank held my funds and I did not have access to my payroll check until Tuesday XX/XX/XXXX around XXXX XXXX Chase Bank policy advertises that Secure Checking accounts will have access to funds Two days before payday and they advertise that they will not place holds on Payroll direct deposits.Its payday again and everybody else 's with Direct deposit has funds already available.Again my money is not available