davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (VA)

I receive d a letter last fall a dvising that my credit card account was being closed due to inactivity, which was great, because I was getting ready to call and cancel my  Chase Sapphire Visa  anyway. It had been nothing but problems and hassles and hidden fees [ like additional charges for paying off certain types of bills with your credit card - they likened it to taking a loan or gambling! That does n't even make any sense ] since I signed up for it and that was now  one p hone call I did n't have to make. I had already quit using the card, paid it off, and made sure to use/transfer all of my rewards points. Well, I notice an email abou t three weeks ago about a bill being due from Chase, which I found odd since the acco unt was closed. Lo and behold, I  see they have charged me annual fee on a card I was under the impression was closed, as well as interest charges. I have been speaking with their customer service reps via email for 3 weeks now ; it took forever to get any kind of real response, and they are stating that because the charge is from so long ago [ i.e. two months ] that they can do nothing to remove it. Well, the card SHOULD have been cancelled, and I 'm sorry, I do n't dig through my promotional email folder in gmail typically looking for things from closed accounts. They did finally formally close the account, but are still demanding I pay them the annual fee on a closed card [ which ALSO makes no sense ]. I asked to b e escalated to a higher supervisor and am still being told that NOTHING can be done. I am awaiting one more response, and have now threatened a BBB complaint as well as openly complaining about them on social media. I am hoping that contacting the BBB and you all will help. I know it 's only {$110.00} but it 's {$110.00} they do n't deserve.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NV)

I took a trip to XXXX, and afterward, I noticed several charges on my credit card that I did not authorize. I disputed the charges with Navy Federal and canceled my card, then ordered a new one. The conclusion they sent me by mail stated that the charges were accurate based on my account activity. When I called to ask how I could further dispute this, they asked me a few questions and requested reasons why the dispute should be honored, which I provided. However, the conclusion remained the same, which I am upset about because I believe I should not have to pay interest or charges that I never authorized. 

I felt I gave sufficient reasons for why the dispute should be honored. First, I rarely dispute charges after years of having the credit card. Ive only disputed charges twice : once for a refund that took too long ( for which I provided a receipt ), and the second time for a small charge of less than {$5.00}, where I was double-charged for a drink. Navy Federal has a zero-tolerance fraud policy, which they have not upheld. They also havent reached out to any of the merchants for more information, and Navy Federal provided the exact same reason upon the second review of my dispute. 

I tried reaching out to the merchants myself but had no luck. I informed Navy Federal that this could have happened before I left XXXX, specifically after renting a golf cart, where the company in XXXX requested a picture of my ID and credit card information. The fraudulent charges totaled around {$520.00} USD. 

I almost exclusively bank and borrow from Navy Federal Credit Union and have diligently paid on time or earlier. It is shocking that they wont honor their own policy, which has made me reconsider banking with them altogether. Their fraud department was far from pleasant to work with and seemed to take no action beyond simply reviewing my account activity.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently went over my credit report and noticed several entries on my credit report, which reflect closed, charged-off accounts with statements such as " Debt has been canceled by credit grantor. '' Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I have identified significant inaccuracies across multiple entries, including mismatched or incorrect dates for account opening, closing, and last activity. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, in some cases, raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Under my rights pursuant to the FCRA, I request that you : Conduct an immediate investigation into these accounts and provide written confirmation of their accuracy, including validation of all reported information. 

Correct any inaccuracies, including but not limited to : Consistent and accurate opening and closing dates. 
Consistent and accurate dates of last activity. 
Remove any unverifiable or inaccurately reported information from my credit report. 


Under my rights pursuant to the FDCPA, I request that you : If these accounts have been transferred to a third-party collection agency, I request validation of these debts under the FDCPA. Please provide : Documentation confirming that each debt was validly charged off and canceled by the original creditor. 
Clear information regarding the current status of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
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: SYNCHRONY FINANCIAL (GA)

Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I will include screenshots. I was enrolled in autopay, it did not allow me to set a date before the due date, so all of my payments were late. I received false information from the representative that it would adjust and be corrected. I noticed it was not corrected. I called again and set it up again. Now I am noticing I have been unenrolled in autopay. All I am trying to do is pay my loan on a fixed schedule, I have the funds to pay it off completely. This provider is impossible to work with, they give false information, the customer support is useless, the wait times are intolerable, the e-mail them option is broken as it does not allow for any punctuation ( or else it will give an error message ). Please crack down on these guys as this is completely unacceptable. Student loans are already predatory to begin with, I don't need to deal with predatory providers.
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX I paid XXXX XXXX for a copy of XXXX  XXXX XXXX XXXX XXXX XXXX. I was given a download link and registration number for the software, which I downloaded from XXXX  and registered. I then used the software for the next 10 months until XXXX notified me that the software purchased was not authentic. During this period the software vendor appears to have closed their business, so my attempts to contact the software vendor were futile. ( email attached ) XXXX assigned a case number ( # XXXX ) and sent me a letter stating that the software was not authentic. I then went to my bank ( Bank of America ) and because the debit card used was a Visa debit card, they investigated the case notifying me that I was within the deadline and issued a temporary credit on XX/XX/XXXX for {$910.00}. ( docs attached ) As of XX/XX/XXXX, the temporary credit has been withdrawn because the bank of XXXX XXXX stated that they were not notified within 60 days of the initial transaction per a notification letter from Bank of America. ( doc attached ) I would point out that : 1. ) I was not notified by XXXX that the software I downloaded from their site and registered through their site was not authentic until 10 months after the initial download and registration. This untimely notification unduly inhibits me as the purchaser from taking timely action against the software vendor.
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2. ) Because the vendor is no longer in business ( I presume ) I cant get their side of the story regarding the sale. It was suggested by yet another vendor that XXXX may have purchased a large site license from XXXX and then decided to sell off individual licenses. This may be what happened, but I ca n't confirm not can I comment on the legality of this practice.
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I would like to know what recourse, if any, I as a small business owner have in this regard. I have lost critical funding and although primary responsibility would naturally sit with the vendor who illegally sold the software they ca n't represent themselves. I would note they had a very good online reputation at the time I purchased from them. I also feel XXXX shares some responsibility to notify a purchaser at the time they register the software as to its legitimacy so that the end user can take appropriate and timely action.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to demand intermediate removal of fraudulent accounts listed in attachment from my credit report. Despite previous disputes and lack of verification provided, these accounts have reappeared on my credit report, Which is both unacceptable and violation of the Fair Credit Reporting act ( FCRA ). As Per the FCRA, credit reporting agencies are required to verify the accuracy of any disputed information and provide supporting documentation. To date I have received no proof that the listed accounts ( see attachment ) are valid, and I maintain these accounts are fraudulent, opened without my knowledge or consent. Please consider this my formal demand for removal of these accounts an investigation into how they were " verified '' without providing any documentation to me. Please provide me with a detailed explanation of the steps taken to " verify '' these accounts, including any documentation you received from the creditors claiming this debt is valid. Without proof of verification, these accounts must be removed immediately and permanently under the FCRA.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2024-11-04
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. (GA)

XXXX XXXX XXXX, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). Thank you for your attention to this matter.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WV)

I obtained an auto loan for a XXXX XXXX XXXX from Wells Fargo Dealer Services. I put {$5000.00} down. It was a five year loan, so originated in XX/XX/XXXX or so. In XX/XX/XXXX,  vehicle was towed, and I could not locate it. The towing company insisted on the title, which remained with Wells Fargo. They were unhelpful. I later learned that dishonest tow companies do this sort of thing, and apply for a salvage title. I continued to pay Wells Fargo through most of XX/XX/XXXX, but finally, defaulted, because a ) they would not assist me in proving title, and b ) there was only {$5000.00} or so left on the loan, and I thought they could retrieve their collateral. I occasionally question Items on all three credit reports. In the past, Wells Fargo sends in a proof of claim, and it stays as is. I did it again in XX/XX/XXXX.  WellsFargo Dealer Services reacted with XXXX, XXXX, and XXXX by moving the default date up to XX/XX/XXXX, changed the amount due to {$7000.00}, and do not mention my original amount due and paid. So, it looks as if I just defaulted on an entire loan. This violates the Fair Credit Reporting Act, and immediately reduced my FICO score by 40 points. I have complained to them, but do not expect any follow up action. Given their fraudulent credit cards exposed recently, I think that the culture there is rotten throughout. There is no way I can really be made whole. I am going to buy a share or two and attempt a shareholder 's derivative suit, as wells as sue in Federal Court for these violations, but know that I can not stand against this " too big to fail '' behemoth. Please assist. I am not alone here, just feel like it. I do not want money, but rather someone to stop Wells Fargo from consumer lending, and the Board of Directors answer for this rotten culture. The should be removed for fiduciary violations and corrupt practices.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing  about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.