davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (SC)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2024-10-05
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. (CA)

I am submitting this complaint regarding my recent dispute with Chase Bank concerning a refund for a product purchased from XXXX ( XXXX # XXXX ). 

I made the purchase on XX/XX/year>, and returned the product to XXXX as agreed. On XX/XX/year>, XXXX confirmed receipt of the returned item and initiated the refund process upon my cancellation of the dispute with Chase, as requested by XXXX. However, as of XX/XX/year>, I have not received the refund. 

XXXX claims that the refund was processed via their payment XXXX on XX/XX/year>, and indicated that the amount should have appeared in my account within 5-7 business days. However, after multiple follow-ups with Chase, I was informed that no refund has been credited or is pending on my account. 

XXXX has denied my dispute despite clear evidence provided, including confirmation from XXXX of the refund initiation and my bank statements showing no credit has been applied. I have communicated with XXXX regarding the missing refund, and they have stated that they have no further control over the situation and that it is now entirely in Chase 's hands. I have also searched my statements for any transactions related to the dispute, but none were found. 

Despite following their instructions, I have not received any resolution or clear timeline for when the refund will be processed. I am now left without my funds over a month after returning the product. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist me in resolving this issue with Chase Bank and ensure that I receive the refund that is owed to me. 

I have attached the following documentation : Complete email correspondence with XXXX. 
Credit card statements from the start of the incident to today, XX/XX/year>, showing that no refund has been made. 
Proof of return of the product to XXXX. 
Thank you for your assistance in this matter.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a bankruptcy being reported on all XXXX credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX. I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (NJ)

Zelle is a free service provided whereby Zelle provides a user interface for the institution to integrate with. 

The interface is the same for each institution - at least each institution that I use that offers the Zelle product. 

The interface is very confusing- it offers immediate transfers within limits, next day transfers within limits. 

When creating the request to transfer, the limits are stated but the disclosure is confusing. For instance, I needed funds to be transferred immediately. The disclosure did not indicate that the transfer would not occur immediately, until after I initiated the transfer. Then the transfer request result reported, " sent today, available tomorrow ''. Now I needed those funds transferred immediately. My only option now was to pay {$10.00} to reverse the funds and I called the bank ( XXXX in this instance ) and they told me that it take weeks to get the funds back after cancelling and they they could not help me - better to let the transaction go thru. The PROBLEM - because it was not immediately as expected - I now incurred fees at the other institution. If I would have know that this was not going to occur immediately, I would have went to the bank and made a withdraw and a deposit to the other institution. Deceptive. Not efficient. Not customer friendly. I would like my fees paid by ZELLE and XXXX- the bank should have a responsibility to make sure that a product they offer meet certain standards. 

While writing this complaint..XXXX XXXX called and totally did not care about the issue- very condescending. She just said- well it doesn't do that. OMG. What standards are companies- especially banks held to. If they need customers- they don't care to show it.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (TN)

On XX/XX/2022 I received a call which looked like it was from US Bank customer service about a possible scam or fraud on my US bank account using XXXX. I put the person on mute and checked the phone number to make sure it was a legitimate phone number, it was. It was the phone number listed on the XXXX search for US Bank customer service. The woman on the phone told me that it looked like there was a {$2000.00} charge with my XXXX account. I did not know what XXXX was at the time, I had never used it before. She asked me to open my mobile banking app and that we would look at it together. Thinking that it was someone from the actual US Bank customer service line, I opened my app. After opening the app, she asked me to click on the XXXX button at the bottom of the screen. When I did this my phone made the sound that sounded like money was being sent kind of the whoosh sound and immediately {$2000.00} was gone from my banking account on authorized by me. As soon as it happened she got very sketchy and immediately got off the phone. I hung up and immediately called my local branch and they helped me put a hold on my account and I went as soon as I could and reported everything. I was told to make a police report and have done that. I have been fighting US Bank since XX/XX/XXXX, we have open four different claims on this incident. US Bank tells us there is nothing that we can do except to sue the person that did this, I have no idea who did this because they called from a number that was US banks. I am at a loss of what to do now.
Consumer complaint received 2022-06-21
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Student Loan Solutions, LLC (FL)

I had a private education loan from XXXX  XXXX XXXX, I took the loan out in XXXX. I was able to keep up with the loan for several years but with a job loss I got behind. The debt ended up getting charged off and fell off my credit report around XXXX. In XXXX I relocated for work from XXXX XXXX to XXXX Florida in XXXX. XXXX I was sued by XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, representing Student Loan Solutions LLC. They stated, XXXX  XXXX XXXX assigned their interest in agreement to Student Loan Solutions in XXXX. They had one attempt to collect the debt XX/XX/XXXX they sent a collection notice to my address in XXXX, XXXX months after I moved. The collection notice is from XXXX And XXXX... Which I will add is owned by XXXX of the board members at student loan solutions. Here is my case information https : //hover.hillsclerk.com/html/case/caseSummary.html, if you go to doc XXXX there is an in depth break down of information I was able to put together. Such as proof it was a private loan. A screen shot of Student Loan Solutions own website advising they are not affiliated with any banks that they are an independent company that specializes in the development and administration of documents to assist debtors with the necessary paperwork needed to complete federal student loan consolidation and or forgiveness process. Their company profile is a passive debt buyer. I also was able to find out that all the collection agencies which all have names that read as if attorneys, are all owned by different board members of student loan solutions. The attorney is filing a suit a month every month against people, since XXXX. I have attached a copy of my filing to the court.
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I went to capital one to buy XXXX thousand euros XXXX dollars I left the bank ( 20 minutes later I made the cancellation throw a phone call to the same location, they told me that my XXXX will be refund in 5 days!! It is exactly 3 months and they didnt put my money back ), I so many time I call the bank I speak with a least 5 supervisor etc the only answer it they still have a investigation, or some time they just tell me they dont know how long it will take!! It is look scan and feel frustrated, ( the bank told me the problem was that those type of transactions cant not be canceled, but they did it their employee did it over the phone!! I mentioned to the bank if you never call me to pick up the euros how is the process ( you order the money and the bank take 3-4 days to call you and tell you the money is ready ) I never receive the call because the transaction was cancelled!!! The problem is they are holding my money more than 3 months I am pregnant I am not working I need to cover my needs!! The bank dont wan na admit they internal problem! And I like a customer I am paying the consequences!! They line are recorded the only need to verify XX/XX/XXXX XXXX at XXXX approx to conclude the problem and refund my money, for my surprise today the banco put back just XXXX dollars not my XXXX ( they still XXXX thousands dllars, who can hear my complaints I am desperate!! It is the worst bank
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX   for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX  XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted Gap  ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX XXXX  in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX  XXXX  and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 is inaccurate. 

XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " XXXX, XXXX, and TransUnion, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with XXXX where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' XXXX has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' TransUnion and XXXX are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, TransUnion and XXXX should update my credit report in their system with that of my credit report with XXXX. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

Complaint I had a hacker hack into my XXXX shared account with my dad, and all my other bank accounts ( XXXX XXXX and XXXX ). XXXX XXXX and XXXX were very helpful and fixed every problem that happened. XXXX on the other hand let a hacker get into my account and let them mobile deposit an electronically made check that was for {$2500.00}, the check was deposited it into my account within 24 hours and on XXXX. A check that wasn't even endorsed by me was let through into my account without my knowledge, after the holiday when the check later was found out as fake the XXXX called me 6-7 times in the same day and have demanded and harassed me for about two months now for the {$2500.00} for the fraud check that was not even deposited by me. The VP of the branch listed above was named XXXX XXXX and she was the one I talked to about everything, after visiting her and her being of no help she gave us the name XXXX XXXX who was the vp of all the branches in the area. Now they have withdrawn {$2000.00} from my paypal account without my permission. I called paypal and they do not understand why or what is going on and suggested I contact the bank since they were the ones to do this. I have NO access to my XXXX  account they have locked me out of them I also have not contacted the bank as I feel as if this may be someone internally. I have filed two police reports regarding the situations and currently working on an attorney.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX, XXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation