davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MT)

I received an email From : Marcus by Goldman Sachs XXXX XXXX Same day transfers are now possible Customer since : XX/XX/XXXX Hi XXXX, Weve made an improvement at Marcus that could make moving your money easier : When you schedule a transfer of {$100000.00} or less by XXXX XXXX ET on a business day, Marcus will complete the transfer by XXXX XXXX ET that day. 
Theres no extra step, no extra box to check. You schedule the transfer at marcus.com or on the Marcus app, and we do the rest. 

This is also at XXXX XXXX XXXX Transfer funds between your Marcus savings accounts and a linked external bank account. Marcus will complete transfers of {$100000.00} or less made through Marcus by XXXX XXXX ET on a business day, by XXXX XXXX  ET that day. 

I confirmed in XX/XX/XXXX thru phone call with a Marcus rep that the {$100000.00} limit was per transfer, not per day. 
On XXXX, before XXXX EST ( 2hours before the cutoff time ), I authorized at marcus.com 3 ACH transfers of less than {$50000.00} each out of my marcus savings. 
My external bank XXXX ( apy 4.00 % ) did NOT receive the funds until Friday XXXX. I had called and alerted XXXX  to watch for these funds, but they DID NOT ARRIVE UNTIL Friday XXXX, 2days later. 
I earned 0 % interest for those days. I believe an issue was the delay caused by a call I received from a Marcus rep at ~ XXXX XXXX est wed XXXX, to discuss if I really wanted to move my funds out of Marcus and why I was doing this. I explained to the rep to please get these transfers submitted ASAP as it was then minutes until the cutoff time. He insisted on continuing the conversation. 

I called Marcus.com several times on XXXX and in the following week, waited thru very long hold times, and explained the situation in every call and with every rep and manager/supervisor. I requested a credit into My Marcus savings ending in XXXX of the 4 % interest on the total amount transferred for {$34.00} Marcus supervisor XXXX at XXXX XXXX stated a customer sevice credit could be given and gave case # XXXX. This request has since been denied. 
One Marcus rep said they did not need to honor the email nor the faqs. I am requesting the {$34.00} credit here.
Consumer complaint received 2022-12-09
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. (TX)

FCRA violations : accounts are not mine XXXX  XXXX  A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-09
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. (TX)

FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX Account status Closed Age of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: American Credit Acceptance, LLC (AL)

On XX/XX/2022 I became aware of a fraudulent hard inquiry on my XXXX Credit report from American Credit Acceptance. I called American Credit and informed them that I had not applied for credit. I filed an FTC identity theft report and a police report with local law enforcement. On XX/XX/2022 I mailed via certified mail copies of the FTC and Police report and a letter stating that I was a victim of identity theft and that the inquiry on my credit report from American Credit was not valid. American credit received these documents on XX/XX/2022. American credit responded that they would not remove the inquiry in clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCF Intermediate Holdings LLC (AZ)

Speedy Cash - XXXX XXXX was asked on 4 different occasions to send me a copy of the payoff in the mail which did not happen. 

I then made it clear to XXXX XXXX XXXX- Collections Supervisor that she would not appreciate this lack of cooperation if this concerned her as the consumer. 

She then consulted with someone to finalize the absolute necessity of submitting documentation to the consumer should the consumer ask for it. 

The amount paid in full on XX/XX/2023 was {$470.00}.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

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 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 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled XXXX transactions with a total of {$510.00}, another of XXXX transactions of {$120.00}, and a final one of XXXX transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a bedridden individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almost XXXX XXXX  at XXXX  one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2022-12-10
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. (FL)

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 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX Account # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 which antedates the report by 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MS)

This complaint is being filed due to Comenity Bank XXXX XXXX XXXX has fell to correct the inaccurate late payment that being furnished to XXXX, XXXX, and XXXX in regard to this account. I have made multiple attempts in trying to resolve this matter privately. I have shown Comenity Bank XXXX XXXX XXXX the error in the reporting of this late payment, which they have fell to correct, which is a violation under the FCRA. This will be my final attempt in resolving this matter before filing a complaint with the XXXX for arbitration. Comenity Bank XXXX XXXX XXXX has defamed my character by placing this inaccurate information on my consumer report.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Hello, I was supposed to receive a {$220.00} bonus for opening an account at Chase Bank. I have maintained the minimum balance and completed an ACH transfer to my account. I called customer service in the last week of XXXX, and they said to wait. It has been two weeks since the bonus was supposed to come in.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VW Credit, Inc (MI)

I was working with XXXX Volkswagen to purchase a new vehicle. I was waiting for the vehicle to be imported. My intent to purchase changed and I no longer needed a vehicle. The dealership pulled my credit on XX/XX/XXXX without getting authorization. 

I emailed the dealer several times over the course of the year, called and left 2 voicemails, and did not get a response. 

Today I called VW credit to dispute it and report the error and they told me I needed to contact the credit bureaus with a letter to dispute it. 

They should not have been able to pull my credit in the first place.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I have a Coinbase account they made the mistake and they have locked me out of my account. I call coinbase there customer service is horrible. I transferred out some funds to cover some bills, Coinbase sent it to my savings instead of my checking. I sent the money back to coinbase so I could send it to my checking done, but a day later i try to use my coinbase debit card and it is declined. I call coinbase they tells me I owe them XXXX dollars, i look at my checking and saving and sure enough the money is still in my savings account i try to send it and my bank accounts are unlinked. I link them and send them the money and I wait for it to clear. I call them and they still have my account blocked that was XXXX XXXX coinbase customer service says they will escalate but they will not get a supervisor or manager or will they supply you with any other phone number or email. I call every other day and nothing they always say the same thing we escalate, they will email you but no one ever does.they make it seem that I did something wrong when its coinbase fault I am no computer wizard I paid them there money it cleared my bank and they still have my account blocked, they verify me and give me the run around. Today XXXX now they say until XXXX XXXX I am afraid that the little I have they are trying to steal it or misappropriate my funds I am already a XXXX citizen and I feel they are trying to take advantage of me. Can you please help me
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, I am writing to dispute the inaccurate and unverified information on my credit report, which has been reported by your agency. Specifically, I have been informed that my address has been reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX my current address being XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 

As a consumer, I have the right to accurate and complete information on my credit report. The inaccurate reporting of my address is a violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate information. Your agency has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning me, violating this section of the law. 

Furthermore, Section 609 of the FCRA requires that consumer reporting agencies maintain strict procedures to ensure that only authorized parties can access my credit report. Your agency may have violated this section by disclosing my credit report to unauthorized parties, as I have never authorized any access to my credit report for any reason. 

In addition, Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ) requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that your agency has reported my address information inaccurately may be a violation of this section as well. 

Finally, Section 216 of FACTA requires creditors and debt collectors to properly dispose of sensitive consumer information. If the creditors who provided your agency with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

This inaccurate and unverified information on my credit report has had a significant negative impact on my life. It has caused me to be denied credit, which has prevented me from purchasing a home, a car, and other necessary items. It has also resulted in me paying higher interest rates on loans and credit cards. 

Therefore, I am requesting that your agency investigate the inaccurate and unverified information on my credit report and take the necessary steps to remove it immediately. I also request that you take steps to prevent this from happening in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I contact someone on XXXX to buy their ticket concert and after I send them the money they refuse to transfer the ticket and block me. And I wanted to dispute the payment but the company said I cant since it an authorized transaction but it was a scam so I need help with report and recovery of my fund. it was XXXX $ and then XXXX $ so XXXX $ in total
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

Dear sir/madame, This is not a duplicate complaint, I am providing new information. Citibank keeps holding my money since XX/XX/XXXX without any explanations. 
After multiple escalations, including attorney general of New York state, Citibank replied on XX/XX/XXXX, that they now can't locate the wire and asked to provide wire transfer references ( despite the fact it was provided multiple times previously ), which I did. And Citibank again went on mute, simply ignoring mutiple requests from the remitting party ( eXXXX and XXXX XXXX ) as well as my inquiries. Attaching all the documentation here again, hope this will help moving the needle. 

It is more than a year now that I'm trying to get my well earned money back to my account in the US at eXXXX XXXX XXXX 

XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I opened my loan in XX/XX/XXXX with XXXX. I paid it off around XX/XX/XXXX. My account has vanished on my report. I paid every month on time for over 4 years and it isnt showing at all.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2022-11-24
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. (FL)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove these items right away! 
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