davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I made an online international wire transfer from Chase Bank to an account of XXXX at XXXXXXXX XXXX in the Philippines in the amount of {$92000.00} at an exchange rate of XXXX which should have been converted to {>= $1,000,000}, however, the transfer was rejected. I then received a phone call from XXXX on the XXXX around XXXX telling me that I needed to resubmit the transfer online because it had been rejected. I then resubmitted the transfer for a second time but that was also rejected. The representative stayed on the line while I resubmitted the transfer for a XXXX time which then was completed successfully. I asked him at what rate the transfer would be received, and he told me it would be received at the rate at the time of the completed transfer, which was at XXXX on the XXXX. XXXX called me on the XXXX to say they had not received the transfer and wanted proof that I had sent it on time. 
Then on the XXXX, they called me again to say that the amount received by XXXXXXXX XXXX was actually XXXX. XXXX and XXXX Bank also claims that they didn't receive the transfer until the XXXX and is requesting that I pay the difference of XXXX or they will impose penalties on the balance. I went to Chase Bank ( XX/XX/XXXX ) in XXXX XXXX XXXX Fl, and spoke to XXXX. I asked her to explain why the funds were debited from my account on the XXXX and not sent to XXXXXXXX XXXX until the XXXX. I also asked where the funds had gone to since it was debited from my account on the XXXX, and I also asked at what rate was the funds sent. She replied that she did not have any information about this, but she will email the department responsible ( since there was no way to contact them by phone ) and would give me an update. The following Tuesday ( XX/XX/XXXX ), since I did not hear from XXXX, I decided to visit the bank again, where I spoke to someone else who said she would call XXXX, ( since it was her day off ) and follow up with me. She called me to say that the wire transfer department had not responded as of yet, but she will keep me posted when they do. I didn't hear anything more from the bank, so the following Tuesday, ( XX/XX/XXXX ) I went back to the branch and left there with no answers again, and this time a banker said she would follow up with the previously sent email and call me. This was never done. I did receive a call from customer service after that visit, where the person said that she would follow up on the emails and escalate the claim. Since then, haven't heard anything else. Today, XX/XX/XXXX, I called customer service to see if anyone there could give me some answers, but I left there even more confused.
Consumer complaint received 2024-09-10
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected privacy and confidentiality under 15 USC 1681 XXXX XXXX  XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX  XXXX - Account number : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency make make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My unresolved dispute amount is for {$220.00}, the amount needed to make this complaint whole again. 
* I booked air travel on XXXX XXXX, XXXX to XXXX, CT, Confirmation Code XXXX, for XXXX XXXX XXXX ( flight # XXXX ) * I booked a reservation through XXXX XXXX for XXXX XXXXXXXX XXXX XXXXXXXX of XXXX for XXXX XXXX XXXX ( Confirmation Number XXXX ) on my Capital One Master Card for {$580.00} * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  to Check In for flight on XX/XX/2022 * Received e-mail from XXXX XXXX on XX/XX/2022 at XXXX XXXX  that flight # XXXX on XX/XX/2022 XXXX to XXXX, CT was cancelled. 
* Called XXXX XXXX on XX/XX/2022 and received full refund of payment for cancellation of reservation XXXX ( XXXX XXXX  ) * Called XXXX desk to obtain full refund for cancellation of reservation XXXX since cancellation of XXXX XXXX flight was beyond my control. Booking.com/reservation desk only refunded {$340.00} to my Capital One credit card. 
* Called and started dispute with Capital One credit card for remaining amount of {$240.00}, the amount remaining from XXXX XXXX  refund due from {$580.00} charge to my credit card. Was issued a credit for {$21.00}. 
* Capital One continues to discharge the amount due to me {$220.00} for a refund of a reservation that was cancelled due to circumstances beyond my control.
Consumer complaint received 2017-01-11
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc. (AZ)

Chrysler Capital with collaboration with XXXX XXXX XXXX of XXXX XXXX and XXXX had processed auto-financing documents in a knowingly false manner. I am a service member of the United States XXXX XXXX and what they did was unethical, immoral, and illegal. I was presented my financial agreements in a false manner. Down payment information and trade in value were improperly valued.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

On the XXXX of XXXX after i called condeut or way to go card company who issues my unemployment income because the card that i had received a few days earlier was not working properly because most of my attempts to use the card were declined. I had called multiples times that day. Every time incalled i was on hold for no less than 2.5 hours. I spoke with 3 people during the duration of the day. The last call which was late i was told by a male worker that I needed to transfer all of my money to another account because the card company that was issued for my unemployment is worthless and that best bet is to transfer to personal bank account or paypal, XXXX XXXX  or XXXX because anything is better than the way to go card. I was not able to use the card during the time that i was speaking to him because the atm said that i had reached the max number of transactions for that day. He said that around midnightnight i should be able to transfer money. He said funds would transfer immediatly. He also indicated that if i transfered atleast {$1000.00} i would have that as a backup if my transactions continued to be declined. At around XXXX I transfered {$1000.00} to my girlfriends XXXX card. The next morning no money was on that card. I called way2go card and they explain that on their end it says the {$1000.00} was successfully made. I still have never recieved the money transfer even though it showed on the way 2 go card that it was a successful transaction. I continued to call both companies being money was gone from my account and never put into another. More than 1 week passed and after talking to multiple people, being on hold for up to 4.5 hours, hung up on after being on hold and a 48 hour hold ( white listed ) which i was told by way 2go was something they do make my card work better and ensure no fraud has occured. i wad not able to its use my card for 2 days. Last week when i called to report that the money was still not on my card i was put on hold and a supervisor returned to call told me that it can take up to 10 days and that on that day if money still was not on XXXX card it would cancel the transfer and the money will be in the way 2go account. On the 10th day i was told that the request to transfer never processed and {$1000.00} was never taken from my account and the only reason i diff not see it was because i spentnn it all. There transaction report has a list of places i had gone. Strange thing is that i was unable to use card for 2days however there records show a continous amount of spending even during the time my card was not working they also NOW show that on the XXXX transfered andnmoney was never moved. Im confusedthat for more than 10 days several people all were rude tried to tell me that they show that my money transfered out of this account onto the account i requested. I am fully aware that files can be altered. All i want is the {$1000.00} that is mine
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I am lodging a formal complaint against Midland Credit Management , IncXXXX ( Account Reference # XXXX ) for severe violations of my consumer rights. I requested debt validation under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Instead of complying with this legal requirement, Midland Credit Management , Inc. sent irrelevant verification documents that fail to meet the validation standards. This is a blatant attempt to mislead and deceive me. 

The company also unlawfully reported this account to credit bureaus without providing proper validation, violating 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). These actions have damaged my credit report and financial standing. 

Furthermore, despite my explicit directive to cease all communication, Midland Credit Management XXXX Inc. has continued to contact me, egregiously violating FDCPA 1692K. This persistent harassment, combined with their failure to validate the debt, demonstrates a flagrant disregard for consumer protection laws. 

I demand the immediate removal of this account from my credit reports. Midland Credit Management , Inc.s actions are not only unlawful but also deceptive and harmful. I expect the CFPB to take swift and decisive action against these violations.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MS)

There were several attempts from the creditor to have me apply for additional money, without indicating how much would be allowed to me and why I was denied. This was a request from both XXXX XXXX XXXX and the XXXX XXXX XXXXi for a XXXX XXXX loan. I was denied without a reason for the denial and the request hit my credit report more than XXXX times. I was also advised to submit a XXXX twice, without having an approved credit line. I would like this malicious account removed as I was not advised that this would be considered a hard inquiry to negatively impact my score whether approved or denied.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (DE)

XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX  C Balance was reported as XXXX starting on XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX starting on XXXX XXXX XXXX  XXXX Balance was reported as XXXX on XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX RADIUS GLOBAL SOLUTION balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX C Balance was reported as XXXX on XXXX XXXX XXXXXXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance XXXX as of XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I am an authorized user on the account for over 15 years and I did my and you checking account from XXXX XXXX XXXXXXXX. I process the payment in full just like American Express money and it said it with the account on hold for seven days and stopped all my charging privileges suspended my account. Ive already filled out the verification for multiple times and provided and support regarding this. I spoke with both XXXX and XXXX who were Extremely rude and XXXX use the wrong pronouns to describe me it was extremely upsetting! I went ahead and XXXX processor verification form and they continue to like the entire process, this has been genuinely upsetting. If American Express does not want to get paid them please let me know and I will no longer process any payments and do business with you again. Also because I promised a payment in full you guys ended up taking the money out of my checking account and refused to process it towards my spending power, if you guys dont want to get paid then please just refund me my money instead thank you. XXXX was also very condescending
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (RI)

Hello, I have tried several times to contact and dispute false debt on my credit report, I have submitted paper work and proof and it is still reporting on my credit which it extremely low because of this. There are XXXX midland collections, they are not mine, XXXX XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Can you please help me?
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, 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. (AL)

I have disputed unauthorized inquiries on my credit several times to Equifax and the companies who did the inquiries with no luck getting them removed. I have explained that I am a victim of identity theft and submitted an FTC report to back it up. Equifax refuses to remove the inquiries on my credit report that I did not authorize. 
The following inquiries are fraudulent and show the action taken for each XXXX : XX/XX/XXXX XXXX XXXX  XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX  XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX ALLY FINANCIAL Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX CAPITAL XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed XXXX NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN
Consumer complaint received 2019-08-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (MO)

I am working with a debt consolidation company in regards to this debt. Check n Go has been aware of this since XXXX 2019, yet they continue to harass me at work. I am a XXXX and they are interrupting instructional time. Ive asked them to stop calling me and to communicate with my debt consolidation company who is working with them to settle the debt.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MN)

Citibank is charging me a {$25.00} per month service fee. I should not be charged this fee based upon my combined balances. I have already called Citibank about this fee. They have admitted it is a mistake in their systems ( my accounts were not " linked '' ... even though they are linked ). They seem to be able to correct their system error and I have to call customer service every month to get the fee taken off. No one seems to be able to fix the underlying system issue
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALTERNATIVE DISPUTE RESOLUTIONS (AZ)

Called and left message saying that they needed to serve me legal paperwork. They said they would be at my house between XXXX and XXXX that day, and if I could not be reached, they would show up to my work place. They told me to call XXXX. When I called that number to inquire the name of their company, they refused to tell me, and instead attempted to get my address and social security number info. I am relatively sure this is an illegal practice, as they are implying they are officers of the court and can legally serve me.