davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (MD)

( 1 ) On or about XX/XX/XXXX, my High Yield Savings Account with XXXX XXXX was frozen ( 2 ) There was no court order to freeze the account. 
( 3 ) On XX/XX/XXXX I called XXXX XXXX to inquire about why the account was locked. 
( 4 ) I was not given information but told I needed to speak with the fraud department. 
( 5 ) I spoke with XXXX who reset my login information. 
( 6 ) She then told me that I would not be permitted to make any transactions at this time. 
( 7 ). I inquired why that was and she informed me there was a review on the account. 
( 8 ) On XX/XX/XXXX, I spoke with XXXX. 
( 9 ) XXXX XXXX, the account would be on hold until issues were resolved with the external bank. 
( 10 ) I asked XXXX if there was a contact at XXXX XXXX. 
( 11 ) She told me XXXX XXXX who is the Bank XXXX. 
( 12 ) XXXX XXXX was contacted from my mother ( the account in question is joint ) ( 13 ) XXXX XXXX denied any involvement stating XXXX XXXX  " took no position. '' ( 14 ) On XX/XX/XXXX I called yet again and spoke with XXXX. 
( 15 ) I requested a copy of the recorded telephone conversations. 
( 16 ) XXXX told me " you have an attorney. '' ( 17 ) @ XX/XX/XXXX I called with an attorney and spoke with XXXX. 
( 18 ) XXXX was going to elevate to a higher level and " open an investigation on the investigation. '' ( 19 ) The funds remain inaccessible. 
( 20 ) American Express was not performing a background review. 
( 21 XXXX XXXX order to freeze funds ( that were already frozen ) on XX/XX/XXXX. 
( 22 ) On XX/XX/XXXX, there is a court order from the XXXX XXXX of XXXX XXXX. 
( 23 ) The order states " Ordered that the terms of the XXXX XXXX XXXX and XXXX, dated XX/XX/XXXX, are hereby affirmed. 
(

24 ) American Express is aware of the order to release funds. ( 25 ) American Express has refused to release the funds. ( 26 ) American Express wr
ongfully froze my savings account from XX/XX/XXXX, thereby causing financial damage. 
( 27 ) American Express continues to deny me access to the funds.

( 28 ) American Express will not release the funds unless I sign an agreement and release including a covenant not to sue.

( 29 ) For almost XXXX years, I have been unable to access my funds. 
( 30 ) Because I can't access the funds, I'm required to pay interest taxes.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XX/XX/2023 {$7000.00} was removed from my account without my authorization. U.S, Bank has refused to accept a claim, stating that I should contact the merchant. U. S. bank has refused to connect me to their fraud division or investigators. The party listed on the transaction is XXXX XXXX My research indicates that this is the former name of XXXX, XXXX XXXX publicly traded XXXX company. My attempts to contact this company have been unsuccessful. I have no relationship with XXXX XXXX, or XXXX XXXX whatsoever.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-05
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. (NV)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

I solicited the service of a company that advertised to provide an online trading platform for Stocks and Commodities. After using this merchant 's platform for well over a year it came to my attention that this merchant is not licensed to trade in these regulated financial markets and that the " trading '' platform I was using was a manipulated trading platform with no connection to any of the financial markets that the merchant had advertised to provide access. Furthermore because the merchant is not licensed and regulated means he can not provide a segregated trading account for trading, so, when my card was charged the money went directly into the merchants private bank account and not a segregated brokerage account. 

I requested my bank raise a chargeback for " Service not as described '' and my bank has refused to assist even though I have shown my bank on various occasions that my situation is explicit within MasterCard 's chargeback guidelines. 

The bank has informed me that because the charges are older than 120 days that they do not have chargeback rights. I told the bank that the service provide was ongoing and that I only cancelled my service on XX/XX/2018 and that according to MC the 120 begins from the last date of expected service. All of this is attached.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-18
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Account XXXX XXXX XXXX  XXXX # XXXX {$410.00} 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) - Account # : XXXX have 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 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Oh boy, where do I begin. 

So to start this whole nightmare off, my account was frozen for literally no reason for over a week. I could not access my money at all. Transfers were not working and online it said my account was suspended. No suspicious activity or any reason why that would have to be done.

Then I spend OVER 3 HOURS on the phone with them being transferred between departments and gaslit by one employee saying there was nothing wrong with my account and there's nothing he could do. I push him to talk to someone else because I know he's lying to my face. Well, the next person I talked to says my account is suspended but doesn't know why but I can get transferred yet again. I was on hold for hours and then what do you know, the line magically dies! I also tried to reach out on XXXX to get a response and nothing. 

I was forced to file a CFPB complaint after it became clear I wasn't going to be able to get my money. Never in my wildest dreams did I think I would have to fight this hard and lose hours and hours of my life trying to wrestle my money back from a shady bank.

I was finally contacted by someone now that I filed a complaint. By then I had figured out I could get money out of my account by making a credit card payment. I looked in my account, saw I had MORE than one of my credit card bills and paid it. It worked and I thought this whole mess was over.

I was wrong.

I get a message from my credit card company saying the payment was ACH reversed and I'm being charged a fee because of it. Now hang on... I had the money so why would they do this?

I go into Citizens and they're now saying I have insufficient funds which is NOT TRUE. 

Even if it was, they would need to refund the money which they have reversed for no reason. It shows a credit of the amount refunded, but is not reflected in my balance. Flash back a week in the future and it's still not there. This is scary, but I figure it's a bug. If you've ever used this garbage app, you know they're quite common.

So I paid an even lower amount and it is ACH refunded again. I'll now be charged {$60.00} worth of fees and AM STILL MISSING OVER {$400.00}. 

Since then I've emailed the chairperson from my last complaint to absolutely no response. It's been over a week. I am livid to be blatantly robbed by a bank.
Consumer complaint received 2021-03-19
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. (NC)

XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed a fraudulent account being reported on my TransUnion credit file by XXXX Bank, account number : XXXX. I have contacted XXXX Bank and they have not provided me the debt validation letter that I requested. They basically dont have any proof that this account is mine. Sent a letter to TransUnion, its been over 30 days and TransUnion has failed to respond, investigate and remove this fraudulent account from my credit file. They havent responded to my CFPB complaint nor to my certified letter demanding a full investigation and removal of this account. I sent a copy of the previous CFPB complaint, along with FTC letter, police report, notarized written letter explaining my request and a copy of my ID, social security card and utility bill proving my identity. Instead I received a stall tactic letter stating that it didnt appear that I sent the letter. Its a tactic that is being used by TransUnion lately to either delay their response or ignore my request. The Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX TransUnion has violated my consumer rights by not responding to my CFPB complaint on XX/XX/22 nor my letter. Im demanding that this XXXX Bank account remove from my credit file immediately.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Block the items that are reported in my file Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Freedom Mortgage Company (CA)

I have file XXXX  XXXX back in XXXX. The lender is not part of the XXXX  XXXX. I am current with my mortgage payments from the first day. I have never missed any payments or late on it. It just that after I file XXXX  XXXX ( credit cards issues ). The mortgage lender stop reporting to the credit bureaus. I am trying to fix my credit score, as a good client, I want to show that on my credit reports, so later on if I ever want to buy a new house it helps. I talked to the representatives regarding this, they denied, they would not do it because of XXXX  XXXX even though they are not part of it. Anyways, I want to know if it true or not. They can look at my payment history and see.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX account XXXX XXXX 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 act can not furnish an account without my written instructions.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$790.00}
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, the NJ division of taxation advised me I did not submit a tax payment in XXXX. On XXXX  I provided a copy of the check from my XXXX account that was cashed. On or about XX/XX/XXXX. I complained to my state senator who in turn contacted Nj division of taxation. Nj division of taxation requested that I ask XXXX XXXX where the check was cashed. Trowe price advised me the check was cashed by JPMorgan Chase and provided the routing number. JP Morgan Chase cashed my check which was NOT properly endorsed by the Nj Division of Taxation. New Jersey does not cash checks through JPMorgan Chase. It uses XXXX XXXX XXXX JP Morgan Chase does not respond to my calls because I do not have a checking account with them. They owe me {$2200.00}. Plus approximately {$200.00} in interest penalties that I have to pay NJ Division of taxation. 
PLEASE NOTE I DO NOT HAVE A CHECKING ACCOUNT WITH JP MORGAN. They improperly cashed the attached check which was payable to the NJDivision of taxation not to the individual or entity which endorsed the check.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I have a GAP credit card, for use at GAP-branded stores ( Gap, XXXX XXXX, XXXX XXXX, XXXX ). Nothing is wrong with that credit card account. However, on 2 separate occasions within the last year, Gap has opened a second credit credit card account ( GAP Visa - for use at any place where visa is accepted ) without my knowledge or consent. I did not apply for a Gap Visa, and I don't want a Gap Visa. I have had to log in and cancel the visa account and destroy the card.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX  from American Express website with the welcome bonus ( XXXX points ) they offer, during this process everything goes well and they do not give me any words/notifications that I am not eligible for this offer. But after I spent more than XXXX dollars for the spending requirement and pay in full price for the annual fee ( XXXX dollars ), I still did not receive any welcome bonus in XX/XX/2022, so in XXXX I politely contact American Express and they inform me that I can not receive the welcome bonus because I have another card from XXXX, but in reality I do not have any related credit cards from XXXX, this reason is not acceptable. I feel cheated and canceled the card and want to ask back for the annual fee but they refused to reimbursed my money back. I can not accept it because they can not give me an acceptable reason to decline my welcome bonus as well as to refuse giving me back my paid annual fee. If they do not want to offer me this welcome bonus, they should inform/warn me at the beginning when I applied for this credit card, instead of letting me know until I finished all the spending requirement and pay the annual fee. The credit card number for the card I am applying for is XXXX.