davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. ()

I possess a XXXX XXXX account along with an associated ATM card. Unfortunately, the card expired in 2021, and I never completed the registration process for online access. It wouldn't go through. Additionally, I have permanently relocated from the U.S. 

My primary aim is to restore access to my savings account. Despite multiple attempts, my calls to customer service have resulted in receiving a singular instruction : to correspond via mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Regrettably, my written inquiries have gone unanswered for several months. 

I am earnestly seeking direct contact with specific personnel who can assist me in reestablishing access to my account. Rather than continuing to send letters with no response, I am hopeful that a more direct connection can be facilitated. 

Your assistance in this matter would be greatly appreciated. Thank you in advance for your help.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

i have had a Checking and Savings Account with USAA Bank for over 10 years without any negative or overdraft in either of those accounts since opening. My checking account been at a XXXX balance since the the end of XX/XX/2024 with no current activities in four months. this account checking was being used primarily for when the VA pays XXXXXXXX XXXX this is the account they uses for electronic payments and I also had my XXXX XXXX  XXXX XXXX XXXX account linked to this USAA Bank account where i sometimes transfer funds. I checked my USAA account in XX/XX/2024 to see have a VA Electronic Payment had reached my account and found that my Checking Account had been involuntary closed without my knowledge. At this time I called a bank representative to see why my account was closed. He informed me that a letter was sent out after 45 days with no activities that the account would be closed in 30 days if the account have not been used and information was posted on my app that the account would be closed. I told him i haven't used the app but I haven't received a letter from USAA as notice of my account would close on XX/XX/2024. He looked back to verify the time the letter was sent out and found that the only documentation that was noted was on XX/XX/2024 when they closed my account. Not sure how a bank can take such drastic step to close a consumer account without any written notice in short time frame. As i stated i last used my account at the end of XX/XX/2024 so I'm not sure what was the urgent need to close my account without any written notification. I've submitted several complaints concerning unfair treatment while banking with USAA Banking and Insurance. it seems as if they single certain consumers out an harass them to stop banking with USAA. I've also seen where they discriminates with unfair loan practices.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TN)

I received an offer in my email stating that I would receive a {$900.00} total bonus by opening a Chase Total checking account along with a Chase savings account by meeting their requirements. I opened both accounts on XX/XX/2023 via the link embedded in that email and the coupon code for the {$900.00} was entered at that time. I waited and noticed that the bonus never posted despite meeting the account opening criteria. I contacted Chase through their secure messaging system in early XXXX to find out why my bonus had not posted. I was told that the I coupon code that I received was not attached to the accounts and there was nothing that could be done. I have no idea what happened during the signup process but I am 100 % certain that the coupon code was entered correctly. My personalized coupon that I received is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

- On XX/XX/2023 I used Wise money transfer app to send {$49000.00} ( Equivalent of XXXX XXXX ) to send money to XXXX, XXXX to a real estate broker - On XX/XX/2023 I got email that my money is sent successfully and will be available in 2 buiness days. However money was not there despite calling Wise customer support manytimes I was just told we had sent it. 

- On XX/XX/XXXX, I got email to send more documents and info about recipient which I shared same day. 

- XX/XX/XXXX. I got email that info is processed and my money will reach there in XXXX days - XX/XX/XXXX : I got another email confirming money will reach there for sure by XX/XX/2023 - XX/XX/XXXX : Another confirmation, I was assured, money will reach by XX/XX/XXXX. So I initiated another transfer of {$50000.00} to same recipient. 

- XX/XX/XXXX. Money was still not there, they asked me to wait XXXX more day. After 1 day, there was no money. 

- XX/XX/XXXX : I got different conflicting emails saying money is sent and another mail that its still being reviewed by Wise partner team of Visa Payments Ltd XXXX XX/XX/XXXX : I got email saying essentially that money is lost and if we can not trace it all your funds are gone we can not help. Their words in writing : " If you do not receive a response from Wise after 30 days, the trace is considered unsuccessful and the case will be closed. '' At the time of writing this compliant, still my money {$99000.00} ( $ XXXX ) is no where.
Consumer complaint received 2023-10-21
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. (MA)

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXXXXXX XXXX XXXX XXXX has violated myrights. 

XXXX XXXX XXXX, has violated myrights. 


15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make 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 which antedates the report more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I made a large purchase of XXXX $ to buy a business XXXX and never received the business under my name, no good and services, no the keys to the business or lease. I contacted the merchant and they told me they would pay me back and that was on XXXX. I have not been able to reach them after. I disputed the amount of XXXX $ ( XXXX XXXX XXXX, XXXX $ with my Chase bank and XXXX $ with my XXXX and nobody contacted me and on XX/XX/XXXX my claim has been denied. Im sending proof that the business bought is not under my name and no final contract has been signed as stated on the Purchase agreement.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Consumer complaint received 2023-12-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for this account. 
I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. 
I spoke with XXXX in the CEO member relations Dept. office on XX/XX/XXXX whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet, but I did received an email from XXXX XXXX the XXXXXXXX XXXX XXXXXXXX with an extension number of XXXX and have made several attempts to contact her and leave several VM but never received 1 call back. 

This account is a fraudulent account reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. 

I sent via priority mail the minute order by the courts along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which USAA has failed to properly investigate. 

This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. 
Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX, I arranged a career services agreement with XXXX XXXXXXXX. To pay for it, they use Affirm, a 3rd-party lending service. At first, things seemed fine, but my first meeting quickly told me that this was a scam company. XXXX  XXXX has had numerous FTC complaints ( including XXXX I filed ), has been published in several articles about predatory and dishonest tactics, and more. After having my first meeting with them, I chose not to engage with them again until I had a method to secure my refund, their services are horrible - no new knowledge was gained, and my meetings times to changed around aggressively, as if to make me miss these meetings on purpose. I went to 2 meetings total and I knew this was a fake scam for sure. XXXX 's defense for not refunding me was " you signed a contract '', which yes, but the contract also assumes the services provided are appropriate for the money paid, which they are not. 

Affirm then went on record yesterday, XX/XX/XXXX, saying they are refunding all customers who have opened up a dispute. I then called Affirm, ready to finally get a refund after fighting with XXXX for nearly a year, and they told me that because 60 days had passed, they weren't able to issue a refund. My issue here is three-fold : ( XXXX ) they published saying they were refunding all cases, no exceptions, with XXXX. ; ( XXXX ) I never filed an initial dispute with Affirm because I didn't know my powers and options once I was locked it, otherwise I would have immediately ( although others who opened complaints within 3 days still were told no refunds by Affirm! ) ; ( XXXX ) XXXX  is a scam company, and I'm seeking to finally get my money back from Affirm and end this nightmare.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/23, I was shopping online at Amazon.com. When completing the purchase of an item, the webpage displayed a promotion in conjunction with the item I was purchasing to apply for an Amazon Store credit card with Synchrony Bank and receive a credit towards my purchase.

I then applied for the card through the website in order to receive the credit, and was approved at that time. I then proceeded to checkout for the item and the credit was not reflected. I called Amazon and asked them to correct the error, and they said that I would not get the credit because the item was not sold by Amazon. I am still not clear what this means as the item was purchased through Amazon and the promotion was tied directly to the specific item I was buying and at no point was there any indication that I would not be eligible for the credit.

In effect, I was deceived into applying for and receiving a credit card through the false advertising of a credit. I believe this experience illustrates a clear instance of Unfair, Deceptive and Abusive Acts and Practices by both Synchrony Bank and Amazon and as a consumer we seek compensatory relief for the financial hardship I have experienced. I would not have applied for this credit card or purchased this item had Synchrony Bank been transparent that I would not receive the credit that they were advertising.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

I received an email on XX/XX/ from JPMorgan Chase & Company Bank saying that my credit card bill is overdue and it is overdue by 120 days. However, I do not currently have a credit card from Chase Bank. I have not had a credit card in over 2 years from Chase Bank. I called to see what was going on and why am I receiving this email. I found out that someone used my social security number under a different name to get a credit card. I have requested as of 2 weeks ago to have this taken off of my report and investigated. I was getting the runaround saying that I needed to call the fraud department because Chase Bank couldn't do anything. The fraud department said I needed to call back Chase Bank. I want this matter to be investigated ASAP. I also asked what was the name on my account so I can file a police report for credit card fraud and they did not give me the name on file using my social security number to get this credit card. Niw this is affecting my credit score and should not be on my credit report because I do not have a Chase Bank credit card.
Consumer complaint received 2023-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

This is an addendum to complaint XXXX. Prior to student loan payments resuming, I applied for the SAVE program to alter my repayment plan on XXXX. I was notified that my request was received but have not heard an update in months and no details have been provided by Nelnet or the Department of Education for the status of my request. Their website crashes multiple times whenever I try to post a payment that is directed to specific loans rather than their standard payment parameters, request information/contact from them or attempt to notify them that they incorrectly list my account as past due when I have only had 2 payments due and have made 3 full payments. Their phone customer service hours are limited making it nearly impossible to contact them via that channel and no effort has been made to return any my multiple emails. Several other users have reported similar issues and have also not received any contact from them or have been told the website just has a mind of its own. This is criminally negligent on their part and is negatively affecting my and many others financial wellbeing.
Consumer complaint received 2024-07-02
Product: Credit 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. (MI)

I made an online purchase of {$220.00} for several items in XXXX. I returned them to the store prior to the due date XX/XX/XXXX of my credit card and within a few weeks of purchase. My previous balance was XXXX. I was told Macy 's sells for other vendors on their site and they call it market place in fine print on line with no other details. I should owe XXXX dollars but the clerk said because it is their market place, they ( Macy 's ) would have to mail it back and it could take up to 3 weeks for my credit ( s ) in full. I inquired about my account with a due date in a few days. Basically, I have to pay the Macy 's bill which I do not owe a penny because I returned the {$220.00} in full prior to my due date and within the time limit of XXXX interest. I was told once all of this takes place I would have to call Macy 's, and keep checking back, to have a customer service agent take care of fees. I was forced to pay Macy 's a minimum payment of {$29.00}, I have {$5.00} in interest and a balance of {$38.00} because it's not all mailed back. I am held hostage to a payment I do not owe, my credit tarnished if I do not pay and subject to the mail being on time, and interest fees and then finally calling again to get my refund which could take forever. If Macy 's has an agreement with a Vendor it is between them and not me. I feel Macy 's extorted money from me needlessly and should have provided me with the return credit as do all other stores. I have asked customer service to resolve, sent a message in chat and called with XXXX progress. This is a formal complaint. They have no business hanging my good name and credit over me because Macy 's is a " wan na be '' XXXX. There is no reason for me to waste my time going through the aggravation of getting fees removed when I owe absolutely no money. Bad Business. Bad Practice. Please assist in resolving this extortion policy