davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXXXX/XX/2023
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.
Consumer complaint received 2023-04-21
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MD)

I opened a Chase Checking and Savings account on XX/XX/2023 with a promotion that offered the following : 1. Receive a bonus of {$300.00} when you open a Chase Total checking account and have a direct deposit post to the account within 90 days. 
2. Receive a bonus of {$200.00} when you open a Chase savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
3. Receive an extra {$400.00} bonus when you complete both of the above bonuses.

I completed # 1 and # 2 and received the bonuses for both. After completing both I asked why I have not received the extra {$400.00} ( # 3 ) and they mentioned they sent it to my Checking account but it got sent back since they closed my checking account after 60 days of inactivity despite their terms stating as long as you have at least $ XXXX in either a savings or checkings account ( for me it was in my savings ) I wouldn't have to pay a checking account fee. I was not notified my checking account was closed. They have its been almost a month now and I have not received the {$400.00}. I've been in contact with their online secure communications group and they keep mentioning they will get back to me within 5 business days but they never do and its been almost a month.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (IL)

Signed up for a new savings account at Marcus by Goldman Sachs - I made a small deposit and received an email notification that my money was received in the account.

I followed their guidelines when signing up for the savings account. There is no minimum balance required. I have great credit etc as well. WHY AM I BEING REFUSED A SAVINGS ACCOUNT???

They closed my account two days later WITHOUT ANY NOTIFICATION to me. I spoke to a customer service rep. and a supervisor and BOTH refused to explain or tell me why my account was force closed. They told me they do not have to provide a specific reason. They also said they can't guarantee they will allow me to open up an account if i try again.

I WANT TO KNOW WHAT IS GOING ON AND WHY I, A CONSUMER AM NOT ALLOWED TO OPEN A SAVINGS ACCOUNT with MARCUS by GOLDMAN SACHS!!! 

I WOULD LIKE A RESOLUTION. I WILL ALSO BE SENDING EMAILS AND XXXX MESSAGES TO THE CEO, COO and other top executives until someone shows some professional courtesy and explains to me why my account was closed WITHOUT NOTICE and WHY it was CLOSED. 

PLEASE HELP
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

The date of unauthorized transactions was on XX/XX/XXXX and XX/XX/XXXX XXXX my mobile bank account was hacked into. They changed my password and wiped out my account totaling {$310.00}. I kept calling Wells Fargo letting them know what was going on simultaneously when this was happening because I kept getting emails. I had to close both my accounts and disable my online banking but this took various calls meanwhile my account was emptied out for their lack of protecting me as a client.Wells Fargo Takeover team reached out to me to confirm that my account was hacked. They advert have my phone scanned. I am XXXX  XXXX and require XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe makes me vulnerable to fraud. I did not authorize these transactions done through XXXX. I also realized they added their phone number and email. I filed my complaint and in two days they determined the case and closed the claim. I called many times to advise my account was being hacked and they did not secure my account then they denied my claim. Im on social security and these funds are for bills. I need this to be investigated.
Consumer complaint received 2023-06-02
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. (CA)

This is to inform you that the accounts listed below are reporting erroneously & are inaccurate.The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. Please provide me with all verifiable proof. 

XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — Store credit 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. (WA)

I had a special order from Home Depot in XX/XX/XXXX, which was charged on my Home Depot Citibank card. This order was to be delivered in XXXX of XXXX. It was never delivered. In XX/XX/XXXX I raised a Dispute with Citibank which they closed with no explanation and pointed me back to Home Depot. Inspire of my various attempts to reach Home Depot I did not get any response from Home Depot for over 6 months. Yet I had been paying my credit card minimum balance due each month thru XX/XX/XXXX. In XXXX I again filed a dispute with Citibank that the services have still not been delivered by Home Depot. At that point I had to stop making payments as I had no product for which Iw as paying for over one year already. Citibank started harassing me with collections calls multiple times a day, in the mid night and so on. Citibank also reported this to Credit Reporting agencies XXXX, XXXX and XXXX. Even though there is an active dispute with Citibank. The services from Home Depot against this transaction have still Not been delivered its end of XX/XX/XXXX. The amount is {$35000.00} approx. I m not getting any response from Home Depot still and Citibank is harassing me for the balance for a transaction which was never fulfilled or delivered. 
Kindly help me with this issue, Really appreciate your help Thank You
Consumer complaint received 2023-06-07
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. (SC)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX, XXXX XXXX XXXX Account Number XXXX JPMorgan Chase To Whom It May Concern, I am writing to formally lodge a complaint regarding the unsatisfactory service I received from one of your employees, XXXX, in the Claims Department. My experience with her was highly disappointing and has left me deeply dissatisfied with the level of professionalism exhibited by your institution. 

During my recent interaction with XXXX on XX/XX/2024, I encountered a series of unprofessional behaviors that significantly impeded our communication and resolution process. Firstly, XXXX repeatedly interrupted me and exhibited a dismissive attitude, which made it challenging for me to convey my concerns effectively. Moreover, she demonstrated a lack of patience and courtesy by abruptly hanging up on me, thereby terminating our conversation without addressing my queries adequately. 

Furthermore, I am particularly dismayed by XXXX 's handling of a credit reversal on a claim. Despite the claim being reopened by another manager for further investigation, XXXX failed to conduct a thorough reevaluation and unjustly reversed one of my credits without valid justification. This negligent oversight not only reflects poorly on her competence but also raises serious questions about the integrity of your claims resolution procedures. 

I firmly believe that the conduct exhibited by XXXX is unacceptable and does not align with the standards of customer service expected from a reputable institution like JPMorgan Chase. As a loyal customer, I am deeply disappointed by this experience and expect a prompt and satisfactory resolution to rectify the situation. 

In light of the aforementioned grievances, I kindly request the following actions to be taken : A formal investigation into XXXX 's conduct and the specific incidents outlined in this letter. 
A review of the claim in question to ensure a fair and accurate assessment of the credit reversal. 
Immediate disciplinary action against XXXX if found culpable of misconduct. 
XXXX that measures will be implemented to prevent similar incidents from occurring in the future. 
I trust that you will treat this matter with the seriousness it deserves and take appropriate steps to address my concerns in a timely manner. I appreciate your attention to this issue and look forward to a swift resolution. 

Thank you for your prompt action in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Company Name- XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX  XXXX , New Mexico Year of Loan- 2013 Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I was hit with overdraft fees of {$35.00} every single time something hit my account, multiple times a day, racking up hundreds of dollars of overdraft fees even when the overdrafts were for as little as {$4.00}.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says ... .. Law
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-18
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2023-10-12
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1XXXXXXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount of {$480.00} 2. XXXX XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} XXXX. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} XXXXXXXX XXXX XXXX account number XXXX opened XX/XX/XXXX in the amount {$1000.00} XXXX. XXXX XXXXXXXX account number XXXX open XXXX amount {$420.00} XXXX. XXXX XXXX XXXX XXXXXXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} XXXX. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} XXXX. 
XXXX XXXX XXXX XXXX bank XXXX account number XXXX open XX/XX/XXXX amount XXXXThese Items need to be removed I am a victim of identity theft.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/22, I filed four disputes with PayPal credit. 
Because four transactions were made without my permission as my XXXX account were hacked. 
2 cases were closed in my favor Case ID # XXXX and case ID # XXXX and it mentioned that Walmart issued a refund For those 2 cases of total amount of {$690.00} Till now PayPal credit is delaying and denying that and they still asking me for that balance. 
I escalated the dispute of the 2 other cases that were closed against my favor Case ID # XXXX and Case ID # XXXX In the total amount of {$450.00} All XXXX transactions were fraud!! 
And the reason that made the 2 first cases closed in my favor must be the same reason For all other transactions. It is fraud! 
PayPal credit keeps denying the claim and they ask me for the whole 4 transactions amount!! 
I am attaching the 2 dispute cases results that were closed in my favor I printed them out from my PayPal account and PayPal did not refund me till now
Consumer complaint received 2024-03-18
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.