davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX I applied to the Apple Card by Goldman Sachs Bank. The following week right after I was approved I inquiry and requested my SCRA benefits being applied to this account since I am a military in XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX I was denied the benefits, and their reasoning was that they only grant the benefits to service members that apply for the card before being ordered to XXXX XXXX. Basically since I applied for the card while being on XXXX XXXX I do not qualify. I sent my military orders and even a memorandum signed by my commanding officer stating that to the date of the request I was actively serving as a service member, because at first the military order alone wasnt enough for them. Which it makes no sense, they were asking for another military order on top of the one that I currently provided which that tells me that they dont know how a military order works ( My current military XXXX XXXX order runs until XXXX ). I never had this bad of an experience with another mayor bank. Currently I have the benefit applied to 3 other accounts in different banks and never had a issue. 

After it was denied, I requested the policy that they used to disclose and determine who qualifies to the SCRA benefits. I requested the policy via email and by mail. They never replied. The information of the bank on the topic is very vague on the internet and out of the 3 times that I called no one could tell me what was their policy. They stated that a supervisor informed them that I was not qualified but could not provide the policy or regulations they guide themselves to this types of process. Still I am waiting for the document that discloses who and how any service member qualifies for this particular benefit and how they based their decisions. 

To my understanding, the requirements to receive the SCRA benefit applied is only to provide a military order proving my current XXXX XXXX status. I would appreciate if you can help me to get to a resolution to this issue, weather it is a document informing the actual requirements or to actually get the benefit applied. 

Thank you.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

This is to report a case of my being shortchanged of {$100.00} by a Bank Teller. 

I am reporting this matter in order to be made whole of the missing {$100.00}, and to inform authorities of a fraudulent behavior of a teller and of a need for Bank corrective action for this kind of teller malfeasance. 


On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bills from Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX. I was served by the Teller XXXX XXXX. Of the total, {$1300.00} in XXXX XXXX XXXX  were of the older bills, so I requested the Teller to replace them with fresh/new XXXX XXXX which are better accepted abroad. 

When I received the new bills, it was only for a total of {$1200.00} instead of {$1300.00}. I pointed this out to the Teller, who instead of checking if the total of the older bills I gave him was {$1300.00}, questioned me about what I did with the missing {$100.00}. Then he said he can not check the total amount of older bills I gave him. 

I reported this matter to the Branch Manager, by the name of XXXX XXXX. I showed XXXX XXXX the total amount of cash I have, {$1900.00} of fresh/new XXXX from the Teller, and my folded {$100.00} bill in my wallet which I had going into the Bank. The Branch Manager said he can not check the video surveillance nor can he check how much of the older bills I exchanged with the Teller. He said he was going to get back to me after the end-of-day Thursday, XX/XX/XXXX. He did not call me back. I followed up with him in person on Friday, XX/XX/XXXX, but all he said was that he reported the matter for investigation by Corporate and that their cash balance at end of day did not have a discrepancy. What he could not say was what if the Teller, instead of putting {$1300.00} into his cash machine, simply put {$1200.00} in and slipped the missing {$100.00} aside for his own benefit. Such action would not have been caught by a tally of branch cash at the end of the day. We also asked XXXX XXXX if he can show us proof that he has indeed escalated the incident to his management, and he said, he can not give us such proof. 

For the record, I and my husband are long-term checking account clients at Chase Bank and have withdrawn cash using the Teller services on many occasions over so many years including at this particular Branch. This incident on XX/XX/XXXX is the first time we have experienced a shortfall in the cash that was given to us by a teller.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (CA)

They call me one day on the phone in XX/XX/XXXX and said I owe {$9200.00} they said it was a rent bill from XXXX of XXXX. I told them thatXXXX I had never receive any information from that company say that I owe this money No email, No phone Call. So I ask them to let check on the amount they was saying I owe and she said ok and the next day it was reporting to my credit report .They did not work with me they did not give no time to check out, gather paper work or to work out a solution with them at all I feel my right was very VIOLATED by this company
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (TX)

Dear Sir Sir Wise Company Closed My business account without any notice and mail. Sir I know that I accept his terms and conditions. Then Tell me what the illegal activity in my account that they closed my account so i just want to know give me any valid proof that they have in my account so they closed. that a illigal action that they are closing accounts without any reasons.
Consumer complaint received 2020-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

I'm trying to link my account to an app that is used for helping out with finances. I'm not the best when it comes to finances and I desperately need the help. I am soon to be married and need to be able to get a grip on my money to better provide for my soon to be wife.
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: NEW YORK COMMUNITY BANCORP INC (IL)

We had an FHA loan through Flagstar Bank. During XXXX we had taken a deferment. Instead of adding the amount to the current mortgage, they filed a second lien against the property. We paid the loan off on XX/XX/XXXX and assumed that Flagstar would release the liens as is required. They never did but we did not find out until XXXX, XXXX that the lien for the deferment was still there. Since that time we have been attempting to the get the lien released. We have been in contact with Flagstar at least 7 times to get this resolved. We had also filed a complaint with the CFPB previously but because I used my sister 's email and not mine they wouldn't respond and the CFPB closed the complaint. It has been 8 months and the lien is still on the property. Attached is the previous CFPB complaint which contains the loan number and dates of complaint. It also includes the reference numbers we were given by Flagstar to " more eaiser track our complaint ''. Not only have they not removed the lien but we have never been contacted by them with updates as to what they are doing to resolve this issue.
Consumer complaint received 2023-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a hard inquiry from capital one back from 2022. The account was removed from my credit report but for some reason the hard inquiry remains. I need this hard inquiry removed asap. From capital one to all 3 major credit reports. The account was opened fraud.
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (NC)

Ive been a victim of true name fraud and ha had gotten most of the issue resolved. Experian has refused to remove the items even though I have given them documents from the other credit reporting agencies. Ive been disputing these issues for a few years now. The accounts are XXXX XXXX, XXXX XXXX, and XXXX   XXXX. I dont know what these are and want them gone. There are also the addresses of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never been affiliated with these addresses. There is also 30 different variations of my name on my file that they wont take off. And also a list of inquiries that I dont even have an opinion to request a dispute.
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

I may be a victim of a XXXX XXXX fraud As my suspicion grew - I informed my bank that its possible the XXXX wire transfers I sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are fraud companies - stealing my money and the funds are NOT going to a XXXX XXXX account This is because when I went to withdraw ALL my money out of that XXXX XXXX  account on XX/XX/XXXX I was NOT allowed to and it says my money of frozen for 45 days Here are the wire transfers that I sent from my Wells Fargo account in XXXX DC : On XX/XX/XXXX : I wire transferred {$15.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX called XXXX XXXX XXXX  XXXX The bank I wire transferred to for XXXX XXXX  account to receive my funds Beneficiary Name : XXXX XXXX XXXXXXXX XXXX  Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Beneficiary 's Account Number : XXXX XXXX Routing XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX On XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX XXXX ) On XX/XX/XXXX I wire transferred {$25.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX called XXXX XXXX XXXX  XXXX The bank I wire transferred to so they could send the funds to my XXXX XXXX  : Beneficiary Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Beneficiary 's Account Number : XXXX XXXX Routing Number : XXXX Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX XXXX ) On XX/XX/XXXX I wire transferred {$120.00} XXXX from my Wells Fargo account to this bank as directed by moderator of a XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX The bank I wire transferred to for the trading account : Beneficiary Name : XXXX XXXXXXXX XXXX  Beneficiary Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX 's Account Number : XXXXXXXX XXXX Routing Number : XXXX Bank Name : XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX  ) : XXXX Bank Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XX/XX/XXXX I informed my Wells Fargo bank and they have sent a recall to this Bank to return my funds - that case # with Wells Fargo is XXXX Federal ref # : XXXX
Consumer complaint received 2019-01-04
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. (FL)

In XX/XX/2018, I contacted XXXX to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block the accounts that are on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX .... Balance : {$6700.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX .... Balance : {$5900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX & XXXX XXXX Balance : {$350.00}
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

In XX/XX/2018, I contacted Navient to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I asked experian to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Experian also didn't produce any documentation proving that I indeed owed the debt. The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act. 
In response to my second letter, they stated that they would not re-investigate the collections account but they did not send me any form of validation or verification proving why I owed such debt.
Consumer complaint received 2019-01-04
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. (CT)

I asked equifax to inform me on the methods that they used to validate a collection on my credit report from XXXX XXXX XXXX. I also asked them to give me the information of anyone they have contacted at the collection agency to validate my debt. In the letter i stated that " Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification '' but I still believe that I received an automated response. Equifax also didn't produce any documentation proving that I indeed owed the debt. 

The debt was also removed from my account previously and then reinserted in XX/XX/2017 and I did not receive a written notice within 5 days of them reinserting the debt onto my credit file. I believe this is a direct violation of the fair credit reporting act.
Consumer complaint received 2019-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (FL)

some time on or about XX/XX/XXXX talk with a representative at chase card and explain that we had XXXX in the family in XXXX XXXX  which was my dad. so on or about I receive a Letter to contact the bank if I need help. and I explain the representative that I do not believe we need help and that I would be in to pay the past due on or about on XXXX  theXX/XX/2019. and that day I pay that past due balance XXXX and this was on the XX/XX/XXXX today is the XX/XX/2019 the account is close went there was an arrangement on the account # XXXX and there is a new payment for XXXX date for the XX/XX/2019. this account is not in the red as of this day. this company have always pay it bill. I believe it unfair to close this account that they agree to help us as of XX/XX/2019 by the letter that they send to us at the crop office.
Consumer complaint received 2020-09-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I have 2 collection agencies trying to collect a debt i dont owe. I disputed this debt numerous times but unfortunately the credit bureaus would not remove it. I just received another offer from a different agency than the one thats on my credit report. Since nobody knows who I should pay then it should be removed from my report until a fair investigation is completed. I dont owe this debt. I never opened any account with XXXX XXXX.