davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (NY)

I am the owner of an XXXX  account at Citibank, and I asked for help in an investigation on an incident of theft of money from my account, and for that money to be returned. 

A few days after XX/XX/2024 ( I do not remember what day exactly ), when I logged into my Citibank online account, I discovered hat {$2500.00} had been stolen from my XXXX  account. 

I immediately contacted Citibank, and the representative explained to me that they need my personal presence at the bank for an investigation. On the evening on the same day, I received a letter in an envelope from Citibank in the mailbox, which contained the report of a withdrawal of money from my account that happened on XX/XX/2024, confirming the mount of {$2500.00}. 

The next day, I went to a Citibank location for help. Unfortunately, the Citibank that I went to did not have an employee who had access to an XXXX  account. What the bank employees could do to help me was to make a phone call to the XXXX  Helpline number ( XXXX ), for me to explain the situation about the theft of money and start a case to investigate the incident ( Case # : XXXX ). Over the phone, the XXXX  representative promised to send me additional papers that would help my case. 

After 10 days of waiting for mail from the XXXX  to arrive, I got nothing. So, I called the bank again ( on XX/XX/2024 ). A bank representative confirmed the case is open and that the papers have probably already been sent to my postal address. 

On XX/XX/XXXX, I called the XXXX  help line again, and once again, they couldn't help me On XX/XX/2024, I received a letter in mail that included a copy of the check in which my money was stolen, a check that I DID NOT write. 

I made a complaint to the XXXX  investigation through FAX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, explaining that over the many years of owning an XXXX  account in Citibank, I withdrew my money many times, and that I know that it is a difficult matter as it takes some time, and that they HAVE A COPY OF MY SIGNATURE IN THEIR DATABASE ( how it looks like ) The check that withdrew the {$2500.00} had a signature not in my handwriting, and not even close at all to my signature ; just a simple script letter with a squiggly line, when I always sign my check in my full last name. 

I have called the XXXX  again ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX to get an update on the investigation, to which they responded with that they do not see any activity with my case at all, and that the deadline for my case to close is on XX/XX/2024. 

Overall, I made multiple complaints, and gave 2 months for the investigation to occur and send me my money back, but sill to this day, nothing. No money returned, and no progress on the investigation.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

i opened a usaa performance first savings account with XXXX dollars onXXXX. on XXXX XXXX dollars was fraud transfered back to my checking account. i did nor authorize this. this special account was supposed to have XXXX fraud protection. that is how usaa advertised this account. the bank refuses to refund my money and will nor respond to the savings account.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (AZ)

XXXX XXXX offered to my daughter the computer and claimed that I get it in XXXX payments. Since she is the one paying for it and going to college, I helped her letting she use my card. Now I got hit by XXXX points on my XXXX XXXX. XXXX and the XXXX  Card should never let it goes through without increasing my limit. Thats what I tough it would happen since I have many other credit cards with a higher limit. Sad. Not fair because I work really hard to have a good credit and this will affect it.
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (KY)

After debuting the letter, LVNV Funding LLC now resurgent capital services are calling threatening and send sending threatening letters to collect a debt that they refused to validate at my request and the amount. The credit limit was XXXX and I asked them to cancel card due to interest rate. No response from bank or collection agency. This violated 15 USC 1681 and 1692.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NV)

Dealing with an error of chase causing my business account to be closed. The result of a check being issued. After major financial setbacks and receiving the check I was unable to cash it because it did not have my name on it. The chase manager was unhelpful and not able to show compassion or offer any assistance. Besides the obvious explanation. I have been unable to reach the office and representative supposed to be assisting me or answering any questions I will now be seeking legal action as well this has been a big set back with my business banking and financial stability
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I deposited {$2000.00} in XXXX at my local Chase ATM. The ATM froze and gave an error message and prompted me to call the number to ensure my deposit was processed. I called immediately while in the parking lot. The deposit never occurred so I opened a dispute with Chase for {$2000.00}. They gave me a temporary credit. After investigation, they reversed {$880.00} from my account which ultimately tells me the ATM only received {$1100.00}. I am missing {$880.00}. I am a XXXX XXXX with high loans and I am devastated that Chase would do this to me. Every dollar counts. Please help.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I deposited a check at Wells Fargo for {$15000.00}. The receipt I was given stated that a portion of it would be available the next day, on XX/XX/2023, and the remainder would be available on XX/XX/2023. The funds were not available the next day. I contact Wells Fargo, which claimed that I would need to contact the business that wrote the check. Eventually, I spoke to Wells Fargo with a representative from the business 's accounts department on the line. Though the business was able to confirm that they had written the check and that the money had been removed from their account, the Wells Fargo representatives insisted that it could not be attempted again until XX/XX/2023 at the earliest, and that I would receive the funds no sooner than XX/XX/2023. The inability or unwillingness of Wells Fargo to attempt to rectify this situation, even with the cooperation of the other side of this transaction, is disturbing to me, as they also were unable to return the check to be cashed elsewhere.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On Wednesday XXXX 2024, I deposited a check that was mailed out to a payment for work that I would be starting soon. I was unable to make the deposit in the Bank ATM and the bank was already closed so went home and deposited VIA MOBILE I had just actually received a new card from the bank after the 3rd try in getting me a new card since I had recently reported a bunch of transactions on my account that I had no idea of what they were for and who made them. Used the card on the Thursday the XXXX no issues until today Friday the XXXX when I went to my nearest gas station after work and my card was declined called the bank and was told my account was put to termination due to the bank not being able to verify the check I had deposited asked for more details on this and was told they had sent out a letter explaining the reasons but they could not tell me those reasons over the phone. I found it highly insulting for a bank not to have the decency of at least reaching out to their customer and explaining what the current issue was and at least give him more options then just closing my account. I even got an email stating my deposit had been accepted so I am not sure what really happened with Citi Bank, but Citi Bank needs to hire employees with more customer service skills and more knowledge in dealing with customer questions.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, XXXX, and Equifax, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. 

The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. 

Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, XXXX, and Equifax are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. 

Despite these legal mandates, I have observed that XXXX, XXXX, and Equifax continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, XXXX, and Equifax comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023 I SUBMITTED I CONTACTED BANK OF AMERICA TO ADVISE THEM THAT I DIDNT NOT RECEIVE ANY OF MY BENEIFITS ON MY XXXX UNEMPLOYMENT CARD. I NEVER RECEIVED A CARD BUT I RECEIVED A W2 FORM THAT STATED I HAVE RCEIVED XXXX IN BENEIFITS WHICH I NEVER DID. BANK OF AMERICA FILED A CLAIMED ON MY BEHALF XX/XX/2023 TO INVESTIGATE THE FUNDS. 10 DAYS AS GONE BY AND BANK OF AMERICA HAS NOT ABIDE BY REGULATION E THAT STATES AFTER THE XXXX DAY IF THEY HAVE NO CAME UP WITH A DECISION THEY SHOULD CREDIT MY ACCOUNT WITH A PROVISIONAL CREDIT OF THE AMOUNT IN QUESTION AND YET THEY ARE TELLING ME TTHAT I DO NOT QUALIFY AND THAT REGULATION E DOES NOT APPLY TO THEM. 5-6 CLAIM MANAGEMENTS THAT IVE SPOKE TO SAID ALL OF THE SAME THINGS WHEN ITS THE LAW TO PROVIDE PROVISIONAL CREDIT AFTER THE 10TH DAY OF FILING THE CLAIM AND NOW IM GOING THROUGH HARDSHIP WHICH I EPLAINED TO THE COMPANY BUT YET THEY SEEM TO NOT CARE TELLING ME I HAVE TO WAIT TIL XXXX 2023 TO RECEIVE ANY UPDATES DUE TO I HAVE NOT RECEIVED ANY UPDATES SINCE I APPLIED AND NOW IM HAVING HARD TIMES. I ATTACHED A WRITTEN AFFIDAVIT AND POLICE REPORT TO GET THIS PROCESSED MOVED FOWARD.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I signed up for jetblue plus card when booking a flight as I was offered XXXXXXXX XXXX points and XXXX credit off the flight I was booking if approved and spent XXXX dollars and paying the XXXX dollar annual fee. After applying was told decision could not be made immediately. Next day I was told I was approved and was able to book flight and get XXXX credit. However even though I spent the XXXX needed and paid the annual fee, I was never given the full XXXX points offered but rather XXXX. I contacted barclay who told me they can do nothing to contact jetblue, who tells me I need to contact barclay they can not do anything. And between tons of back and forths im told either yes this should be fixed I need to wait a few weeks and nothing happens or that I did not sign up for the XXXX points offer even though Ive showed them I clicked that exact offer. As promised due to their deceptive practices, you can see I am not the only one this has happened to I decided to cancel this card, but this needs to be reported and I still do believe Im owed the points as Ive had the card more than a year and have spent thousands on it, but have been only given less than half of what was promised and still owed XXXX points.
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

This is insane. I deposited a check through cash a check feature on PayPal. I even paid a {$5.00} fee so I could get the $ in 10 minutes. Hours later I realized I got an email telling me check was accepted and to void the check and submit picture of that. Then I was told check failed. This is unbelievable. Now I have a voided check and no money. I needed if hours ago. How can they tell someone check accepted and to void it and then not accept it?
Consumer complaint received 2023-06-09
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. (NV)

This is my tenth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-20
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: BARCLAYS BANK DELAWARE (FL)

I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. 
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. 
- on XX/XX/2022 I faxed a letter to I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. 
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. 
- on XX/XX/2022 I faxed a letter to Barclays AAdvantage Mastercard credit card with corresponding documentation on explanation letter - Barclays AAdvantage Mastercard first declined the reimbursement with excuse that I had payed the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was payed before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase. 
credit card with corresponding documentation on explanation letter - Barclays XXXXvantage Mastercard first declined the reimbursement with excuse that I had paid the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was paid before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for, I always pay my statements in full in order to avoid interest and late charges - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am unable to get my free credit report on the transunion website. I'm able to get the other two ( XXXX and XXXX ) on annualcreditreport.com, but transunion won't comply.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

I have three collection accounts with Harvest Associate. I sent a request for validation of these accounts several times to this agency. They refuse to send me anything. I have medical insurance and met all of my deductions. This is against the law. These are Erroneous accounts
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Consumer complaint received 2023-06-09
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Last year in XX/XX/2023 I was looking for an apartment due to change in my work location and long commute to my new office. I visited XXXXXXXX XXXX XXXX XXXX in XXXX, WA to ask for an application. They told me to submit an application online for background check and pay non-refundable {$40.00}. When I tried submitting an application on their website, I had to pay {$260.00} refundable deposit in addition to {$40.00} application fee to submit the application otherwise the website wouldn't allow me to submit the application. After I had submitted the application the apartment managers did not get back to me for almost 10 days. Then my son who lives out of state and is an XXXX XXXX XXXX  advised me not to move into that apartment complex as it is unsafe with reports of vandalism in their parking lot. I called the apartment and requested refund of my refundable amount paid by me. They said they will send me a XXXX check. Instead of mailing the check their accounting office started claiming that I owe them {$260.00} They started sending me fraudulent emails and texts this has led to financial harassment. Now they have reported against me through Columbia/Genesis . It is showing as an unpaid debt on my XXXX and XXXX credit report. I never bought or used any service from XXXX XXXX.