davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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: JPMORGAN CHASE & CO. (FL)

I went to a drive through window at XXXX XXXX while driving home from a trip. They handed me the wrong food, but of course you ca n't check the food there because you 're holding up a line so I did n't know that until I was well on my way. The food was unedible. I called XXXX XXXX ( I had to search online for their number, it is n't on their site ) but they did n't answer. Then I e-mailed but they did n't reply. I contacted Chase and they said they ca n't dispute an in person transaction for food because food can not be returned, even though XXXX XXXX committed fraud by providing me with the wrong order and still charging my card! A supervisor refused to change that decision.
Consumer complaint received 2017-12-13
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. (CA)

XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
Consumer complaint received 2017-12-13
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. (TX)

I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Transunion requesting verification of XXXX XXXX XXXX, XXXX, and XXXX XXXX Dealer services accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Transunion responded to each of my disputes saying the information was verified/updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Transunion has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Transunion has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Although this situation appears to be resolved I want someone at Bank of America to address my issue. 

Back on XX/XX/XXXX my mother unexpectedly passed away. She had a savings account at Bank of America and listed her children as beneficiaries on this account. She had other accounts there and we closed them shortly after. 

As it pertains to the savings account in question, we were told in order to close out the account and pay the beneficiaries, we needed to fill out a " Beneficiary Letter of Instruction '' and have the document notarized. We were  also told that the money would not be disbursed until all the beneficiaries notarized documents were received. 

On XX/XX/XXXX all beneficiaries completed their forms and had them notarized. The forms were taken to a nearby branch of B of A and they were faxed to the Estate Unit in XXXX, FL. 

What was interesting to begin with is that my mother had four other bank accounts at other banks. Beneficiaries were able to walk in to the local branches of each bank, show identification, a XXXX XXXX and leave out with their checks. 

Around XX/XX/XXXX all beneficiaries received a letter asking again for the XXXX XXXX and a Beneficiary or XXXX form which they already had. I called and told them they had everything they were requesting in the letter. I was placed on hold for the rep to research the issue. I was then asked if my mother deposited social security or pension checks in this account. The answer was no to this question and they could have answered this question themselves had they taken the time to review the account 's deposits. I was then told that was the issue delaying the disbursement. Since I answered this question, I was told the checks should be cut in a week. 

Waiting patiently for the check, another letter identical to the letter dated XX/XX/XXXX was sent and received XX/XX/XXXX. I called the XXXX XXXX and expressed that we are attempting to grieve as a family but the constant issue with disbursing beneficiary checks was getting taxing. I was again placed on hold and told the checks were cut XX/XX/XXXX.

Today is ( XX/XX/XXXX ) and beneficiaries are finally starting to receive the checks. 

What I do not understand is : Do they have any level of compassion that a family has lost a loved ones to take them through bureaucracy to stretch out the disbursement of checks for nearly a month when other banks can do it in a matter of an hour? We were treated like con artists attempting to hijack money out of a stranger 's account rather than listed beneficiaries who supplied the first time all pertinent information. 

If they are going to have an XXXX XXXX handling this function, should n't they act with the same level of compassion and resolution delivery as other banks? 

Why are they sending supplemental letters that have nothing to do with the processing?
Consumer complaint received 2017-12-14
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. (GA)

RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Consumer complaint received 2017-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I have a student loan through nelnet I am permanently XXXX and have been since 2009 I submited papers for this to be dismissed due to being XXXX I am getting the run around on completing this process This is the last yr since i applied for the dismissal there is a 3 yr monitoring process i am told. 

And all i am getting is the same questions name address social security number But no completion
Consumer complaint received 2017-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I contacted Transunion on XXXX at XXXX am get and spoke with XXXX XXXX in the XXXX Special Handling department. I advised XXXX that due to a glitch in Transunion 's system in XXXX of XXXX and XXXX XXXX I had inquires to be removed and added back without a 5 day written notice as federal law requires. XXXX refused to remove the hard inquires from my credit file permanently and stated that they do not have to provide written notice when adding them back. This is causing an undue hardship as it caused my credit score to drop drastically do to their glitch. I feel that I am continuing to victimized by Transunion due to their negligence. Please help me get this resolved and those inquires removed.
Consumer complaint received 2017-12-14
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: CITIBANK, N.A. (MN)

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a CBNA credit card. While the account was not established the application left a fraudulent related inquiry on his credit report. We have sent an official dispute of this inquiry to CBNA however they are continuing to report the data. This is now a violation of his federal consumer rights under the FCRA.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC (VA)

First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM
Consumer complaint received 2017-12-04
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. (TX)

I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

My friend and I both have coinbase accounts. He gave me the corresponding email linked to his account so I could send him some ethereum, but he had n't realized he gave me the wrong email ( he gave me XXXXXXXXXXXX address when he XXXXXXXXXXXX address ) until after I had sent the transaction. The email that the transaction was sent to was not a valid email/not in use at this time. So, my friend created the gmail account and corresponding coinbase account to retrieve the funds, but they were n't there either. My account shows the transaction as Complete, but when running a report of my transactions it does not provide a transaction id. Spent an hour & a half on hold before getting ahold of support and when I told the guy that there is no transaction id and it 's like the funds disappeared into thin air he just said " Yeah, I do see that, that is weird. '' Then he just hangs up on me! I 've sent emails to all support staff email addresses that are publicly available. I 've tried contacting them via their XXXX support, their individual employee reddit accounts, posting on their subreddit and no one is replying in order to resolve this issue. I do n't have my funds, my friend does n't have my funds. 

So, to summarize, I XXXX ETH to that XXXX account on XXXX/XXXX/XXXX XXXX AM. It shows as XXXX in my account and the funds were deducted from my ETH wallet. They have not arrived in my friend 's account or the account of the gmail address. No transaction id exists for the " XXXX '' transaction. Was told by phone support " That is in fact weird '' and hung up on. 

Previous Case # s from attempts at getting support via their email system XXXX & XXXX. 

XXXX 's solution was " Reasons your transaction might be pending can be found here. 
Known delays and further information can be found on our status page. '' Which I already knew and had explicity stated that the transaction was already displaying as COMPLETED, plus there is no sign of a transaction id. 

XXXX 's solution was " If you sent digital currency from your XXXX account to an email address by accident, your funds will be returned to you in 30 days if the funds remain unclaimed. If the email address has not already been claimed, you could do so to ensure the funds are returned to you. '' Which I already knew and had explicitly stated I wanted to get MY funds back sooner than having to wait the 30 days. Since there is no transaction id I 'm left to believe that the funds are being held by coinbase. 

As it stands right now they 've stolen this money as far as I 'm concerned ; hence, why I 've decided to make this report.
Consumer complaint received 2017-12-14
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. (FL)

I called Trans Union Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know.

I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2017-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (MO)

US Bank is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call onXX/XX/XXXX, XXXX, US Bank employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As of XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX, balance reported by US Bank for period ending XXXX is {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both US Bank and XXXX. Both state the other company is disputing the account or originated the dispute.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX XXXX repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every year
Consumer complaint received 2017-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates has repeatedly tried to collect on a debt not initiated by me. It currently shows 'opened ' XXXX XXXX, XXXX with a balance due of {$1100.00}. 

They have re-aged someone 's debt that they originally attributed to me in XXXX. The original debt occurred more than 7 years ago. The address is not mine and the credit cards seems as though it was originally for a business account. 

I contacted PRA through my lawyers. 
They sent my lawyers documents regarding the debt being owed but not of me originating it. I have a common name but I never had an account with PRA. 

PRA has misrepresented and repeatedly 'corrected ' it to the credit reporting agencies on many occasions since I first noticed it and started disputing it. 

Now, the original owner of the debt is listed as XXXX XXXX. I currently DO have an account with XXXX XXXX that is not and has never been delinquent. 

Several times PRA 's erroneous report has been removed from all 3 of my credit reports only to reappear AFTER the allotted legal deadline. Once it appeared 4 months later! 

I am ready to go forth with a full fledged lawsuit but understand that I should ( must? ) file with CFPD first. 

I need Portfolio Recovery Associates to submit a removal to all 3 credit reporting agencies immediately. I did qualify for the class action lawsuit against them but declined not realizing PRA was still practicing their unlawful tactics.
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ XXXX