davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

By XXXX of XXXX my Marcus Online Savings Account was closed, a savings account which I did not expect so I did not notice at first. I was also thrown off since I assumed only the unfunded account was closed at first. upon further inspection I knew that both of my accounts were closed. Calling from late XX/XX/XXXX and XX/XX/XXXX I had to call multiple times to know that my account was closed. I was told the funds were sent to unclaimed property. After searching the website with my information, my name, social security number, and address yielded nothing. Even calling on the phone line with a representative ( telling them my social security number and amount in the savings account ) did not yield anything, meaning it was not my manual search that was flawed. My calls in XXXX of XXXX did not assist anymore since even when I was finally authenticated and asked for an affidavit to be mailed to me it did not yield anything with the supposed case that was opened, nor told how it as resolved. Nor have I received anything in the mail other than 1099-INT document. Now in early XXXX ( most recently XX/XX/XXXX ) I have been told it is in fact a matter of unclaimed property again even though that was indicated for two months. The search on the state controller website and by phone line using my social security number still yields nothing. I did not receive a notice for unclaimed property nor a property number or any record of the them reporting it to unclaimed property despite my efforts of using their phone line over four months.
Consumer complaint received 2023-02-11
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. (PA)

In XXXX with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (FL)

I received a notification by XXXX that an account was open on XX/XX/XXXX by Jefferson Capital System a Debt Collector. I called the company and asked about the account that showed up on my credit report from XXXX. I was advised that this accounts were open in XXXX with a company called XXXX. I never open this account in XXXX. I filed a dispute with XXXX, which it was DELETED. I also filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report and replace my CREDIT SCORE that was taken away, due to this FRAUDULENT REPORTING. 

XXXX ) {$6800.00}
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Neon Newco Corporation (TN)

I received a NETSPEND Visa Debit card in the mail on XX/XX/2024. I have never applied for any account or card with XXXX, XXXX XXXX. It has a routing and account number listed in which I did not open or even apply for. I contacted Netspend at XXXX XXXX. It is an automated system and I was able to speak with " XXXX '' finally. It asks for you to enter your SSN, which I refuse to enter. I have had another bank account opened in my name previously with XXXX XXXX after being victim of a data leak. I am not sure why I have received this card and feel it is a huge risk to consumers to mail Debit cards unprompted. The representative said it was just an offer and the account was not open until I were to activate the card but these types of offers has potential to cause major issues with finances. I asked them to remove my name and address from any and all mailings.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I recently disputed fraudulent items on my credit report that were reported to FTC. According to Equifax their 'investigation ' sustained that these tradelines were accurate. This is impossible, as they are fraudulent and should not be reporting on my credit report. 
Attached, is the filed FTC report.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (GA)

XX/XX/2019 I booked a rental car from XXXX through XXXX for my parents vacation in XXXX. The total cost was XXXX USD including all taxes and fees as indicated on the confirmation ( attached ). This reservation was refundable. My parents and I could cancel it at any time before picking up the car. 

XX/XX/2019 My Chase credit card was charged {$600.00} by XXXX. Because I did not recognize this company and believed it is a different company from Dollar ( where I booked the car from ), I filed a fraud case with Chase immediately. Chase reversed the transaction and issued me a new credit card. 

Meanwhile, I contacted my parents and they told me what happened. XXXX represents XXXX in XXXX and the {$600.00} charge was made by the XXXX agent. 

When my parents arrived at the rental car company, the staff asked for my parents credit card and charged XXXX XXXX, including a XXXX USD premium XXXX XXXX receipt attached ). The staff did not ask my parents permission and explain the change details before she swiped the credit card. XXXX is not mandatory for rental cars in XXXX and the Chase Hyatt credit card does cover the same insurance. Therefore, my parents refused to sign the receipt and requested a full refund. XXXX agreed to refund the full amount of charge ( XXXX USD ) within four business days ; however, they never processed the refund. 

XX/XX/2019 I reach out to XXXX and XXXX since XX/XX/2019, to try to resolve the problem. Unfortunately, both companies failed to process the refund. A copy of all E-mail conversations is attached. 

XX/XX/2019 Chase turned down the fraud case and recharged {$600.00} on my credit card. The bank believes the transaction was not fraudulent and asked me to file a dispute instead. On the same day, I filed a dispute and submitted all required documents requested by Chase including the rental car confirmation page and bill. 

Since XXXX Chase reached out to me and told me that they were not able to process the dispute because the transaction occurred more than two months ago and the XXXX insurance was mandatory ( which is wrong ).
Consumer complaint received 2022-10-16
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. (CA)

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 XXXX5 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXXXXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Unauthorized use /fraud of my credit card for the total amount of {$3700.00}. Transaction dates, as shown on my account statement : XX/XX/XXXX through XX/XX/XXXX. 
All transactions were made out of state ( I live in NY ), and I didn't travel anywhere during that period, and physically had the card with me.

Once I received my monthly account statement, I disputed the charges and the fraud case was open with the company ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received a letter from Macys Fraud Investigation Department stating that I'm responsible for the charges in question.
Consumer complaint received 2019-11-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (AL)

Good Day, I am a XXXX year old woman who had no idea I owed this bill at all until I was trying to buy a house and they checked my credit and found out I had all these collections on amounts as low as XXXX!! and I had no Idea that I owed them. I asked the company from my loan officer and I contacted the lady who was in credit bureau department and asked her what these were for she informed me she was not a billing clerk but a collection agency and I told her I had not received and phone calls or written information for these bills and I asked her if they were for XXXX hospital and she said no the doctors and at XXXX ( XXXX ) you can not see the doctor without paying your copayment in the kiosk when you check in so she said she would send me a detailed statement that was on XX/XX/2019 and I have yet to receive it! I have 100 percent payments on time on, my report do you really think I would let a XXXX payment lapse for months I am furious I am to old to have my credit ruined by a company who does not do there job! They are showing two accounts paid and I have not paid them a dime so that must be in the system from XXXX doctors I am not sure but she gave me my acct number and I have sent checks in for everything I saw on there website and I am hiring a lawyer to take care of this injustice! I feel like everyone of those from AMSHER COLLECTIONS should be removed off my credit report and they should have consequences to pay for ruining a persons credit I have never had this ever happened to me I expect nothing less than justice.
Consumer complaint received 2024-01-19
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. (CA)

On going issue with all 3 credit reporting agencies I feel discriminated upon targeted to stay stagnated. I have reported and frozen and alerted my credit XXXX  of fraud and XXXX even breached my information. I have a supposed credit monitoring added to help but nothing has helped or been done I have disputed my soft inquiries and hard and most remain I mean one company is reported on my soft inquiries at the least 25 times to keep my score down. I have already explained that after my no which is also reported wrong it states I claimed no because of business failure which is incorrect and they know this and still report it. An account which was prepaid and never late is being reported as negative and I have reported this for years and still there and disputed the inconsistencies of wrong amounts reported negative and still reporting. I want a federal investigation as to how I and am sure many others are being oppressed by these reports and misinformation I would like it removed and rescored immediate action taken I only keep receiving letters for me to verify my information when I have asked them to verify with each company to provide the proof given to them to be able to even run my credit when I know no identity information proof was given because I havent applied for anything
Consumer complaint received 2022-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Capital One STILL has an account furnished on my report. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

On XX/XX/23, while traveling in Alaska on Vacation, Citibank began declining my purchase transactions. First amount was {$460.00} at XXXX XXXX in XXXX, AK. They messaged me to call them, which I did. I was angry because I provided them a travel notification. We finally got through the verification process, and I was told my card would be unfrozen. Tried the transaction again and it was declined. I tried another card that also would not work and eventually had to pay cash. I called Citibank back and escalated to a supervisor who refused to release my card. I asked for her manager and after a hold was told one would call me back. No such call occurred. Citibank left me stranded in Alaska as far as I am concerned. Come to find out the first woman, without my authorization, activated my new Citibank card. I have no idea where this card is since I was traveling on vacation, and now that I am home still do not have this card. Unacceptable that this happened and they were unable or unwilling to fix the issue. This was the second vacation in row they have done this to me. There will not be a third time. I am a XXXX year customer who will be closing every single credit account Citibank services . I have a great Credit Score and any Bank will take me in XXXX seconds. This is going to impact my credit reports but I will not allow this to continue.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-06
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. (IL)

I have been a victim of identity theft, where someone opened a bunch of credit cards/accounts under my name in XXXX without my knowledge or authorization, and spent almost {$70000.00} across different banks and retailers. The fraudsters started by changing my mailing address with USPS and I didn't become aware of the fraud until they opened a credit card with one of my actual banks. I haven't lived in the U.S. since XXXX, so don't check my U.S. credit report on a regular basis as I don't use my U.S. credit card. In XX/XX/XXXX, I checked my credit report and discovered that numerous credit accounts had been opened, with tens of thousands dollars posted as major derogatory. 

I had placed a freeze with all three major credit reporting agencies and disputed all the charges with them. I also contacted all the banks individually to report the fraudulent transactions in early XXXX. Within a month, all the banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) besides XXXX XXXXXXXX and Best Buy/CBNA ( Citi ) removed the fraudulent accounts from my credit reports. 

Best Buy/CBNA : I contacted them over the phone on XXXX XXXX, XXXX, about a fraudulent account with about {$4500.00} outstanding, requesting that the credit account be removed from my credit history as I never opened it. My case number with Citi/Best Buy is XXXX XXXX XXXX. XXXX months later, Citi, along with XXXX XXXX, are the only XXXX banks that have not removed the fraudulent accounts from my credit report and continue to insist that they are non-fraudulent.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo withdrew {$680.00} on XX/XX/23 and on XX/XX/23 from my checking account without any authorization from me. The bank put the money into my bank credit card account as if paying down a debt, which I did not owe. 
I contacted the fraud protection telephone number for Wells Fargo to get an answer why the bank did this. The bank representative would only treat the problem as a stolen ID issue and put me through the withering interrogation for that issue, and refused to acknowledge or explain my complaint that the bank had done this. 
Wells Fargo immediately closed my access to my accounts online. Their actions will include changing my account numbers, and are requiring me to contact every entity with whom I have a financial relationship to notify them of the change in account numbers. This will be an intolerable task for someone my age, on Social Security.I have tried to get back into my checking account using the instructions Wells Fargo shows online. But when I attempted to identify myself using my Social Security number, which they required, nothing happened to allow me in.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-06
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I received an email stating a confirmation on Home Depot Consumer credit card supported by Citi under my name and my account. But I never filed such an application for a credit card to neither Citi nor Home Depot. This is a fraud. I need Citi and Home Depot to remove this account immediately and get back to me a confirmation on such a removal. Till then, any expense and charge on the account or the card is not my responsibility, I will not be borne any expense and charge whatsoever Thank you for your help.
Consumer complaint received 2023-06-27
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish an 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 2022-04-17
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. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc (TX)

A company called XXXX XXXX  keeps trying to charge my card. They already took XXXX from my account that was not authorized. I do not have a XXXX account. This needs to be reversed immediately.