davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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: GOLDMAN SACHS BANK USA (OK)

My card was charged for {$1000.00} on XX/XX/XXXX by XXXX. I never ordered anything from XXXX and I have never heard of the company. I googled them and found a website that appears to be fraudulent. I tried to contact them asking why there was a charge on my card but the email they have listed for their support team is invalid. The website and company appear fraudulent and I should not have to pay this charge. I have proof that I tried to contact the company. I filed a dispute with the credit card company and it was denied. I reasserted the dispute and again it was denied. I asked the company for more information on why it was denied and they refused to provide any information so I asked for proof that they investigated it because I wasnt even able to get ahold of the merchant because they had false contact information listed. The card company did not provide any proof of investigation and did not provide any proof that the merchant even responded. I once again reasserted the dispute on XX/XX/XXXX and it was denied again today on XX/XX/XXXX even after I provided all the sufficient information. They have me submit the info via text so I asked them to confirm they uploaded all the information that I provided to them and they claimed it was all uploaded. I would be happy to provide proof of this conversation as well. I am not okay with a fraudulent charge that I did not make. And I should not be held liable.
Consumer complaint received 2024-02-29
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/year> two fraudulent charges were made on my Chase credit card. Chase 's fraud department immediately flagged them, and sent me a text message. I replied immediately that I did not make these charges, and they responded that the charges AND the card had been blocked, and that they would send me a new card. 

However, two charges for {$530.00} were allowed to go through to the card. I immediately flagged these charges again on the Chase portal, and they closed the card again and sent me another new card. 

Chase claimed that the laptops that were purchased through XXXX XXXX were delivered to my home. When asked to see any documentation they had proving that, they did not provide it. When asked to provide more information they could not. 

I contacted XXXX XXXX on my own, and was able to see that both fraudulent charges were actually picked up in story just a few hours after the charges. I submitted this as evidence to Chase, but they had already closed the investigation.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX XXXX and I was a victim of fraud with the scammers taking {$3000.00} this was taken from my account on XX/XX/2024. I noticed this when the amount was deducted from my account on XXXX XXXX and I contacted my bank Wells Fargo on XXXX XXXX to help me dispute my case and they said they were working on it when I went to the physical bank on XX/XX/2024 to gain access to my mobile banking account. On XX/XX/2024 I received a letter from Wells Fargo Closing my case, I followed up with the company and asked why they closed my case when I had just told them I was a fraud victim. The representative replied we approved the amount because you used your phone number. I had explained to them that the charge was made in XXXX XXXX when I told them I did not make a charge for that much money and that I was in XXXX, Texas at that time. I continued to ask to reopen my case until today I received an email about my case status and they still have it closed. After talking with another representative they transferred me to the person who wrote the email and worked on my case but they were not available and asked me to leave a message and I left a message on their voicemail. As of right now that is everything.
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (AL)

I have a checking account with BBVA Compass and they are CONSTANTLY charging me excessive overdraft fees. I have paid a few thousand dollars JUST in fees because they often are slow with my deposits showing up and the money shows up as not being there. I am not even enrolled in any kind of overdraft programs and I specifically asked not to be added. I would like a refund of as many of these excessive overdraft charges as possible.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year> Apple Card by Goldman Sachs charged me an interest fee of {$7.00} That was waived by their support and informed me I would be fine moving forward if I pay off the 2 monthly balance. I tried paying off the full credit card balance to avoid any future interest charges but I was unable to pay off the full amount as their system was not letting me pay it off completely. I paid the max the system allowed me to pay which was {$1000.00}. However, I was charged an additional interest fee of {$9.00} by Apple Card. I do not see how its fair for them to charge me an unavoidable interest charge fee since I couldn't pay off the full card balance. Apple Card Goldman Sachs support and management have gave me the run around with different agents giving me different reasons of what happen and none of them are able to understand and help waive that {$9.00} interest charge that was not my fault nor unavoidable. This is bad business practice from the company and they fail to understand my problems that was caused by their system issues.
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

During covid late payments was made on XXXX car loan and reported with all three Credit Branches. 
US CODE 1681s-2 Responsibilities of furnishers of information to consumer reporting agencys.
Consumer complaint received 2023-03-24
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: JPMORGAN CHASE & CO. (CA)

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
JPMCB CARD XXXX Date opened XX/XX/2016 Balance : XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (FL)

To whom it may concern : I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. 
These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

There seems to be a known technical issue with CitiBusiness Credit cards where transactions and statements for the month of XX/XX/2023 are not available, nor accessible through their online portal. 
I have spoken with technical support, and they have told me that this is an ongoing issue that is yet to be fixed. In the meantime certain customers are to do without a statement for the month of XXXX.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (SC)

I noticed a fraudulent loan and address on my XXXX credit report. I called XXXX to dispute the Affirm loan and addresses associated with the loan on XX/XX/24. I also called Affirm customer service to dispute the loan and address with them directly on XX/XX/24. The Affirm customer service representative asked for the phone number and email associated with the account. As I did not make the account, I do not have the phone number and email used. I offered to give the physical address associated with the account and the loan number, but the customer service agent refused to assist without an email address and a phone number. I asked to speak with a supervisor and the agent refused to transfer me.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Chemical Bank closed my money market account in XX/XX/2018 and no monies were ever sent to me or escheated to the XXXX XXXX XXXX. The account, a money market account would have rolled up by merger to either Huntington Bank or XXXX XXXX several years later- both organizations claim they do not have the money - but XXXX XXXX did provide me funds from the CD that was rolled up and said that the money market would have gone to Huntington Bank XXXX My account which was in trust from my parents who passed away in XXXX had trust ID that the folks from Huntington and XXXX claim that could have been confused with a personal social security number within the bank. It may have been distributed to this person ( unrelated and known by me ) by mistake. Since the trust id and ssn of the other person had the same number ( same digits though a hyphen would have been after the first two digits of the trust id ).
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to lodge a formal complaint against TransUnion for its failure to provide me with a copy of my Rental/Tenant Screening Score and Consumer Report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I contacted TransUnion 's SmartMove service to request a copy of my " ResidentScore. '' I was informed that I was not entitled to access this report unless I submitted a housing application. I explained that I am currently applying for housing and wanted to ensure I am fully informed of the information potential landlords are receiving about me. This is crucial for me to address any potential inaccuracies and ensure that I am not unfairly denied housing or subjected to higher security deposits based on this information. 

Following their instructions, I called TransUnion directly at XXXX, where I was redirected to another number, XXXX, to request my tenant screening report and score. Once again, I was told I could not access my report unless I had already submitted a housing application for screening. 

This runaround and ultimate denial of access to my own consumer information is frustrating and appears to be in direct violation of consumer protection laws that guarantee me the right to access the information that credit reporting agencies have on me. The Fair Credit Reporting Act entitles consumers to obtain a copy of their credit report annually, as well as under certain other circumstances, to ensure transparency and accuracy of the information that can significantly impact their lives. 

The inability to access this information prevents me from taking proactive steps to understand and, if necessary, dispute any incorrect information that could adversely affect my chances of securing housing. It is imperative for consumers to be empowered with the same information that potential landlords have access to, to ensure fair treatment and to prevent potential discrimination. 

I am requesting the CFPB 's assistance in investigating this matter and compelling TransUnion to provide me with a copy of my Rental/Tenant Screening Score and Consumer Report, as is my right. Also, I'd like to ask that the CFPB take any additional actions deemed necessary to ensure that TransUnion complies with all applicable consumer protection laws to prevent similar situations from occurring to other consumers. 

Thank you for your attention to this matter.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I had a credit card that was charged off in XX/XX/XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XX/XX/XXXX. A correction was requested on several occasions but the same information is being updated.
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I applied for an apartment in 2020. I never signed a lease, I just applied. I never paid a deposit. I never got an apartment number. I never got a key. Because I didnt sign a lease. I asked the collections agency to provide me with a copy of the lease that I supposedly signed and they wont.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

A charge was made on XX/XX/XXXX using my chase debit acct. I called to question the charge, the charge for {$89.00} was credit back to my acct., the card was cancelled and a new one was sent via mail.We tried reaching out to the merchant on the phone and e-mail provided but none were good. Someone answered on the phone but was someone else. We then knew it was a scam and a fraudulent web site. Today XX/XX/XXXX the charge was reversed towards my acct. I spoke w 3 reps from chase in regards to helping me w this matter but got no help. I dont know any company named XXXX and I didnt purchase anything from them. Ive explained when searching this merchant it appears as a scam. They said I cant file another claim Ive asked proof of merchandise been delivered and they can not provide that they said to contact XXXX which I cant get through to speak w anyone to help me. I live off one fixed income which is XXXX and {$89.00} is a big deal for me to loose. Please help me resolve this issue as chase wont. Thank you
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (FL)

Original loan ( which banks can not loan ) States they were paid Cash, I did not produce any cash but a check at closing. They say I received money, WHERE? Then in research I have tried to get Wells Fargo and XXXX XXXX XXXX who bought it supposedly in XXXX, has advised they bought the " Promissory Note '' and now its in a trust. I have not found any Leins, I have been forced to file a 1099 A to Wells Fargo and a 1099C to XXXX. Since all Payment Coupons are being Kept, not returned and a notice sent that states they do not accept these payments. No action has been done. When I call any customer service I get transferred all around. I have even attempted to contact these Corporations. Yet again I get barely any info and Nothing specific of what I have requested. Now Wells has been reporting on my credit Until XXXX when I filed a complaint thru XXXX, they have now closed it on XXXX.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I previously sent an inquiry about Chase Bank and some issues with my accounts with them although I had banked with them for 25 years. They summarily closed my all accounts and kept all of the funds I had ( about {$8000.00} ) without any notice or explanation. Below is the response which does not explain anything. But Chase Bank kept my money. 

Review the companys response to your complaint. 

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 PRODUCT Checking or savings account ISSUE Managing an account To this day I keep receiving emails about " transactions '' regarding accounts that have been closed. Attached hereto is an example. May I please has some answers to my questions? What is going on with my " closed ' account, my Professional Account under " XXXX '', the funds that were in these accounts and these emails I continue to receive??
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NM)

I am having repeated problems with XXXX primarily. They have changed the account infomariont of my XXXX XXXX XXXX tradeline now, FOR THE 3RD TIME! I've had enough of them. XXXX and now, EQUIFAX, had re-imputed the balance owed as {$490.00}. I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the 2nd time that XXXX has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with EQUIFAX as well. I OWE NO BALANCE TO US FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.