davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

( XXXX ) I did not receive any services or products related to one of my transaction on XXXX XXXX website is XXXX XXXX and XXXX was charged {$330.00}. ( 2 ) Additionally, the website from which I attempted to make this purchase is no longer accessible, and I have been unable to contact the merchant for resolution. ( 3 ) But after an investigation by chase bank, I was still charged this fee.
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I opened a Saks Fifth Avenue Store Credit Card issued by Capital One on XX/XX/2019. My account was locked by " Saks '' for verification in XXXX so I had to verify myself with photo ID by visiting a local Saks store. After I visited my local Saks store in XXXX, AL, my card was successfully unlocked by showing my ID to the staff. Later my account was locked by " Capital One '' again for verification again in XX/XX/2019. By following their instruction, I faxed them all of the required documents including my SSN, Driver 's License, and my most recent paystub. Later, Capital One still decided to close my account and their reasons are : - Unable to verify personal documents - unable to verify personal data I am okay to get my account closed because it was a very bad experience communicating with them to solve my issue. However, before the card is locked, I placed orders worth over {$20000.00} during a Saks promo event in early XXXX and I made the payment right way in the store to cover those charges but the store canceled most of the orders. Therefore I had - {$15000.00} overpayment on my account before it was blocked and closed by Capital One. When I tried to retrieve this credit in the form of check, Capital One refused and they said the money in this account will be permanently frozen. They said it is because they can't verify my identity and there is no other way to resolve it. I just can't understand how they couldn't verify my identity with all the required documents I provided and just simply took away my money. 

Their Fraud Department manager even made a false statement by saying the money in a closed account will not be returned and this is stated in the Terms of Use, which is not true after I read the full terms of use for this card. The only thing saying about the balance of a closed account is : " If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account. '' I also attached their terms of use agreement in the attachment.
Consumer complaint received 2022-12-28
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: Hatfield, Inc. (NC)

On XX/XX/XXXX I requested my ACH authorization be revoked from XXXX XXXX ( Hatfield, Inc ). XXXX agreed and stated my account was unlinked and not to be charged but that repayment was still due. 

On XX/XX/XXXX XXXX charged my banked account via ACH for 5 {$10.00} transactions and one {$60.00} transaction. My account was never re-linked, and no new authorization was given. This mean they stored my information for months and used it to charge me almost 6 months later. 

I talked to XXXX who refunded {$50.00} but not the other {$60.00}, despite no authorization being given. I advised XXXX and provided the documentation from them that authorization was revoked, and they unliked my account on XX/XX/XXXX, yet they will not return the other {$60.00}.
Consumer complaint received 2020-03-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

I requested a forebearance earlier this year and asked that it be backdated to XX/XX/2019, as I was having some financial issues. Firstly, every time I tried to request it, the website, which is VERY misleading to even pay your bill, would tell me I'm not eligible. I kept trying and kept getting this message. Finally I decided to call them and they said that it was a glitch and j should have called to set it up. So I did, and requested it retroactive XX/XX/2019. But through numerous attempts to contact them and remediate this, I am still nowhere and they are not backdating to XX/XX/2019. I know they do this for many other customers but I am hitting a roadblock and also they reported me 30  days late back in XX/XX/2019. The responses I get are useless and noone has been able to assist and back date the forbearance. This is now 3  months later and still no response which I think is very unprofessional and biased.
Consumer complaint received 2024-01-02
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. (FL)

I am writing to formally dispute and bring to your immediate attention certain inaccuracies present in my credit report. Upon reviewing my credit report, I have identified fraudulent accounts, addresses, and personal information that do not belong to me. I kindly request your prompt investigation and correction of the following discrepancies : Fraud Addresses : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Fraud Accounts : 1. XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX Fraud Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX. XXXX I have never resided at the mentioned addresses, opened the listed accounts, or used the provided names and phone numbers. These discrepancies are indicative of fraudulent activities, and I request your immediate attention to rectify these errors in my credit report. 

I hereby demand the removal of the mentioned fraudulent information within 14 days from the date of this letter, in accordance with the Fair Credit Reporting Act. I explicitly state that I do not require a response from E-Oscar, and any communication regarding this matter should be directed to my address or email provided above. 

Failure to comply with this request may result in legal action to protect my rights under the aforementioned Act.

I have attached supporting documentation, including copies of my identification, to verify my identity. Please use this information to conduct a thorough investigation and update my credit report accordingly. 

I appreciate your urgent attention to this matter and expect a resolution within the stipulated timeframe. 

Sincerely, XXXX XXXX SS # XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (PA)

On XX/XX/XXXX, I checked my credit report through XXXX  and XXXX. There is a collection from Southwest Credit Systems ( SWC ) for the amount of {$66.00}. I called and spoke with XXXX, from SWC, and she informed me that the collection was from a case that opened in XX/XX/XXXX for a delinquency in XX/XX/XXXX from XXXX. She was unable to provide proof of the debt, and was unable to provide any information regarding any attempt to contact me for the past 5 years. 

XXXX transferred me to XXXX Fraud department where I spoke to XXXX. He was unable to provide an itemized invoice for the {$66.00}, but was able to direct me to a website for ID Fraud via XXXX. ( I am currently trying to obtain proof of residency from XX/XX/XXXX - XX/XX/XXXX, but COVID-19 is causing some of those resources to be closed ). XXXX also confirmed that my XXXX account had been deactivated in XX/XX/XXXX. 

I called XXXX billing and spoke to XXXX, who again was unable to provide me with an itemized invoice for the amount being " collected '', instead he transferred me to XXXX, in customer service, and she was able to create a collection dispute ticket ( # XXXX ). XXXX was also able to verify that my XXXX account had been terminated in XX/XX/XXXX, at which time the account was transferred into ( my then husband, now ex-husband 's name ) XXXX XXXX. XXXX confirmed that there had been a review of the account completed in XX/XX/XXXX, but she was unable to provide and itemized invoice for the {$66.00}, and she was also unable to confirm any attempt had been made to contact me in regards to collecting the alleged amount due. 

At this point in time, 5 years after the alleged delinquency of {$66.00}, Southwest Credit Systems has reported derogatory information on my credit report without attempting to contact me, and without proof or validation of the amount owed.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted TransUnion on XX/XX/XXXX about inaccurate information reporting on my credit report. It was sent with a delivery confirmation, so I know they received it and they have not responded with the 30 days required under FCRA consumer laws.
Consumer complaint received 2020-03-22
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. (FL)

XXXX  ( File # XXXX ) I received Investigation Results from XXXX dated XX/XX/2020 in response to a Public Record Dispute I submitted in XX/XX/2020. XXXX results list the Public Record as VERIFIED AS ACCURATE, which I know to be false and unsubstantiated. I have a letter from the US Bankruptcy Court NJ confirming they do NOT provide verification to any entities ( attached ). Furthermore, I also disputed the Public Record with XXXX with the evidence/supporting documentation I received from the Bankruptcy Court and XXXX has since DELETED the Public Record from my data report ( letter attached ). XXXX, Equifax, and other consumer reporting agencies look to XXXX for verification and, despite this, XXXX   insists this item was verified. And, this is not the first time Ive disputed this particular issue. 
XXXX Equifax ( Confirmation # XXXX XXXX I received Investigation Results from Equifax dated XX/XX/2020. Equifax mentions on their Web site that Public Records are verified by a third-party vendor, XXXX. XXXX has DELETED the Public Record from my consumer data report ( letter attached ). I submitted this proof to Equifax and asked that they do the sameDELETE the Public Record from my Consumer Report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), Dated, XX/XX/2024, I, XXXX XXXX, am writing to file a complaint against TRANSUNION, XXXX, and XXXX regarding inaccurate information reported on my consumer report. The inaccuracies include errors in my name and employment details, leading to challenges in identity verification by banks and causing me significant emotional distress. 

Attached, please find a letter demanding the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I just became aware that this debt with XXXX XXXX XXXX is still showing as a " collection '' item in my Experian and XXXX  credit report. I am trying to purchase a house and this incorrect reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( Experian, XXXX, and XXXX ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CITIZENS BANCSHARES, INC. (PA)

I had taken out a loan for a two behind equipment trailer. At the time of the loan I was told ( over the phone ) I would be billed XXXX XXXX for insurance. I told them I already had insurance and they ( XXXX ) told me to just email him the insurance card and he would remove it. I emailed him the same or next day and he even responded acknowledging the receipt of the document. Because this was a paperless automatic bank transfer loan I never really know what all the chargers were. For 20 months they billed me the additional {$39.00} per month until I realized it was for insurance. I made them aware and they had me resend the information. They are now only crediting me with 6 months of reimbursement rather than the full 20 months I was over changed. I had given them ALL of the information they needed but they are refusing the reimbursement of the remaining amount and have actually only refund a partial amount of the 6 months as promised. They refunded {$190.00} of the {$230.00} they said they would refund. So they still owe me a total of {$600.00}. 

They are claiming that the contract states 6 months and I agreed to the contract. My argument is I obviously ( proof by sending the agent the info he told me to and him acknowledging it ) thought that in sending him the information he told me to is that the insurance charge would be removed as that is what he stated would happen. I was told one thing and another happened. Bait and switch so that they can sell more insurance policies and get even more money out of the consumer. 

Attached is additional evidence has been found from XXXX stating that, on XX/XX/XXXX, the amount that they would be drawing via ETF was correct at $ XXXX. At some point they changed it without my approval.
Consumer complaint received 2023-02-17
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. (FL)

This is the third time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi Cards has been charging me a payment safeguard fee For years when I never signed up for this feature and they have been sued for it in the past for their misleading of customers and fraudulent charges for this service. Their letter to me after asking to hear or see documents/recordings of my enrollment in payment safeguard stated they were unable to fulfill your request to listen to the enrollment conversation and denied reimbursement of the fees. 

I never signed up or agreed to these additional fees and was either enrolled fraudulently or was grossly misled. 

The fees they have been fraudulently charging me equal well over {$1500.00} from XX/XX/XXXX til the end ofXX/XX/XXXX.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my XXXX  report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, Equifax, and XXXX  ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (MA)

Do not use Marcus for home buying deposit. Marcus is on its second business day of a wire submitted at Monday morning XX/XX/XXXX. I told them I needed the funds wired to my attorney 's escrow account because I was a first time home buyer and these were the funds to be used for closing on Wednesday XXXX XX/XX/XXXX. I was told that they may be able to make an exception but typically only wire back to personal accounts. They denied without explaining the exception, even though I asked. They simply repeated that they reviewed my account and will not provide an exception. The funds I was requested to wire are {$150000.00}. They then told me that despite the website language, extracted below, and despite my Marcus dashboard wire tracker stating the amount would be transferred same day XX/XX/XXXX, emails stating I could access my funds by wire same day, I would NOT receive the wire to my personal bank account until 1 to 3 business days. They would not explain how or what would make the process take 1 business day versus 3 business days. They explained that there are two internal back office teams who do two separate reviews, the second review of which as of the time of this writing is still not yet initiated as I've called XXXX times now to ask for the status. The money is not wired. When I ask for information, they have no additional information on what is being reviewed, why the review is taking so long, where in the queue my wire transfer is resting, or when it would be picked up other than to repeatedly tell me that over the phone they've explained that this process, even when an expedited request is initiated, it can still take up to XXXX business days. I'm at risk of losing this home deal and losing the {$52000.00} XXXX deposit because I entrusted my savings to Marcus who advertises that I would be able to access my funds SAME DAY! Instead, the funds have not moved, the first internal review was only just completed, and my funds ( {$150000.00} ) are far from being processed same business day. 

MARCUS " Accessing Your Money '' Website : https : //www.marcus.com/us/en/banking-with-us/accessing-your-money # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, our % XXXX % XXXX % XXXX % XXXX. 

Wire transfers let you send money between your Marcus savings account and accounts you own at external banks in the U.S., U.S. territories of U.S. Virgin Islands or American Samoa, or in/on a U.S. military base or U.S. embassy .

Heres what you need to know about wire transfers To send a wire transfer, please call us toll-free at XXXX, 24 hours a day / 7 days a week. Wire transfer requests made after XXXX pm E.T. or on a non-business day will not be processed until the next business day. 

Please have your Marcus savings account and external bank account information available. 

Wire transfers are subject to our wire transfer security procedures.
Consumer complaint received 2021-07-26
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. (TN)

I notified The company prior to XX/XX/XXXX of this year of financial hardship and then afterwords on XX/XX/XXXX I let them know of my unemployment that began that time and opted to take the unemployment insurance and I paid for on my loan. They did not process the unemployment insurance paperwork correctly ; so I reached out to them using several different methods and finally filing a dispute with you just previously. They contacted me and seemed like they were finally correcting the situation however upon checking my credit score and report again they have not done so, or they have changed it and then went back and reported it as a delinquent account after the fact.