davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (AR)

XX/XX/XXXX I tried to order a XXXX deal for {$540.00}. The charge was denied by Arvest. I called Arvest immediately, told we show no holds on your account the charge should be approved. This was a Black Friday deal, so we waited an hour for the charge to be approved. It was not approved. 

Phone call received from Arvest fraud department on Saturday regarding charge attempts. The system showed Arvest declined 6 attempts to charge my card. I told the fraud investigator with Arvest this was not fraud, but we already purchased a different XXXX so please do not allow the charge to go through. Arvest no worries it should not go through. 

Monday XX/XX/XXXX pending charge for {$540.00} shows on my account. Immediately message XXXX this will fall off and will not go through. Called Arvest call XXXX, but its a pending charge and should not go through. 

Tuesday XX/XX/XXXX charge cleared my bank and now is a transaction. Contacted XXXX told that transaction was cancelled. We do not see that you were charged. Sent screenshots of my card being charged for a service or item not supplied. We will have to send this to our supervisor. Called Arvest told call XXXX. At this time this is my first request from Arvest to dispute the charge. XX/XX/XXXX roughly XXXX. 

Wednesday XX/XX/XXXX reached back out to both XXXX and Arvest, continue to get the same responses. Request a dispute for the charge, okay we will email you. No email ever came. Arvest - call XXXX. XXXX - we dont see the charge this was cancelled Ill send to supervisor you will receive email. No email ever came. 

Since this time I have tried to get someone with both XXXX and Arvest to look into this without any luck. Multiple requests. 

Yesterday I went to Arvest. I was told my request on XX/XX/XXXX was finally put for an official dispute despite my first request being XX/XX/XXXX. We are now 14 days from my initial request. At this time I requested a provisional credit. I was told we will not look into this dispute until XX/XX/XXXX. This does not meet the requirements for an escalation. 

Per law - Under Regulation E, if a consumer files a written notice of error and the bank requires more than ten business days to determine whether an error occurred, the bank can take a longer time, provided it provisionally credits the amount in dispute to the consumer 's account. 

I want Arvest to change their policy regarding provisional credits as it goes against reg E and I want a refund from XXXX asap. We have had similar problems with fraudulent online charges with Arvest and they do not provide provisional credits despite the laws. This is not our first issue with Arvest regarding provisional credits ; they simply do not do them. 

I was charged for a service by XXXX not rendered. I am not being provided a provisional credit per law by Arvest. These are my two issues. 

Thank you.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (MN)

The credit card company charged me a fee of {$10.00} on XX/XX/2023 without any indication what that fee is for. Shouldn't they have to explain why they are charging a fee. What stops them from just charging fees all the time without explaining them and making customers dispute them. ALSO, there is no way to dispute the fee online. That is the reason I have to use the CFPB to dispute the claims. Seems kinds of twisted that they will charge a fee, not tell you what the fee is for and then make it difficult to dispute the fee or find out any information about the fee. 
How many others is this sort of thing happening to and they just aren't aware of it.
Consumer complaint received 2024-01-03
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. (FL)

In XXXX of XXXX the below listed account was removed from my credit file as an inaccurate entry. In XXXX of XXXX the account was reinserted into my credit file with a new late payment once again, erroneously. I requested that an investigation into the reinsertion of this account be conducted, and reasoning as to why a late payment on this account was reinserted to my credit file erroneously be produced to myself after the investigation. I received no response, and the account still remains on my credit file to date. This account has completed devastated my credit score and has cause me much embarrassment. I have attached letter that were sent to Transunion in order to remedy this situation, to which I have received no response. This is the only account reporting any delinquency in my credit file and this information does not match the other two reporting agencies as this account does not exist in my credit file. The account in question is listed below ; XXXX Account numberXXXX I have also requested that inquiries on my account be investigated, and if not provided information of accuracy be removed from my account and have also yet to receive any response from Transunion. The below entries on my credit file are the ones in question and I demand that they be removed if the credit agencies can not provide evidence of the accuracy and legitimacy of these inquiries. 

1. XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase Section 609 states that you need to provide the application that was filled out when this account was opened. The Inquiry was reported on XX/XX/XXXX 2. XXXXXXXX XXXX Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XX/XX/XXXX I have also attached letters in which I have reached out to Transunion in order to remedy the issue but have yet to receive and viable response.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service (NC)

Received a statement on XX/XX/2023 for an account I did not open nor authorize. The account balance is {$5900.00} of the {$15000.00} credit line. After speaking to the customer service representative, it was confirmed I did not authorize or use this money. They placed a stop on the account. I have notified the police and reports were filed. FBI were being contacted to report this fraud.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-12-13
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

NOTICED ERRORS ON CONSUMER REPORT AND MADE APPLE CARD/GS BANK AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. APPLECARD/GS BANK, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/2023 IN THE AMOUNT OF {$1800.00}, WHICH MEANS THE DEBTS 210+ DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (FL)

I logged in to pay my monthly bill to my Barclays View card ... which I rarely use. I was taken back by the large Balance of over 12 thousand dollars. There were 4 total transactions. 

1. Balance transfer to XXXX XXXX for {$7400.00} ( Wednesday, XX/XX/ ) 2. Balance transfer to XXXX XXXX for {$4400.00} ( Thursday, XX/XX/ XXXX XXXX ) 3. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/XXXX  ) 4. Balance Transfer Fee {$220.00} ( Thursday, XX/XX/ ) I immediately called to report the fraud. They assured me it would come off my account and they would investigate. The fraud did not come off the card... I had to keep calling. The 3rd or 4th time I called ( but this time with some assertion ) they finally removed the charges and apologized for their new system that was having problems and the complaint didn't go through. I asked if they could provide me with a name or any information of who this transfer went through to. They could provide me with nothing and said their fraud department would handle it. 

To note : I never received any emails about a balance transfer. I never received any physical mail about any balance transfers. I've done balance transfers in the past and I always receive some information. These charges just randomly appeared on my account out of nowhere and there is no documentation to be found about it. 

Fast forward to today ( XXXX  ) : I got a letter that concluded that " the activity was valid based on my credit report where the balance transfer was sent. '' So, they reinstated the giant balance and transfer fees. 

I called today as well ( XX/XX/XXXX  ) : I stated my issues with these findings and demanded more information. I demanded they let me know the name of the person who received my money. They could not provide that ... All they can provide is the last 4 digits of the credit card to whom received my money via balance transfer. The card digits do not match any of my cards or my wife 's. I even went into my credit report to make sure my identity wasn't stolen, and someone didn't open a card in my name with those last 4 digits. 

There was almost no information they could provide me with. I find this infuriating considering if they claim I set up this balance transfer, they should be able to provide me with all the information that I would have had to supply them with to make the balance transfer possible ... including the name of the person that received the balance transfer or proof of mail that was sent out to inform me that a transfer even took place. 
The only step the fraud dept representative could take was to start a " reassertion case, '' because I refused to accept the findings. He also informed me that I need to send a formal letter to the fraud dept with any information I can provide to help my case.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed 4 different disputes regarding 4 inaccurate late payments reporting on my XXXX XXXX XXXX XXXX card. The late payment dates are showing in the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. I have requested for the credit agency to provide proof of late payments or detailed method of their said verification ; if company is unable to provide confirmation, please remove all late payments from account and update the account to pays as agreed never late. The credit Agency has failed to provide proof/ evidence of late payments and removal of late payments/ history update. After multiple attempts, the credit agency is no longer allowing me to submit disputes. This is causing me a lot of financial distress.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I will send the letter regarding the question mentioned below to TransUnion. 


TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have checked the credit report issued by your company on XX/XX/2023. I would like to ask why you mention unknown regarding the rating of XX/XX/2023 on the XXXX  XXXX XXXX account starting # XXXX. 


Sincerely,
Consumer complaint received 2023-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MONEY SOURCE, INC., THE (TX)

I am writing to express my deep concern and frustration regarding the ongoing issues surrounding the closing on my house with my mortgage lender XXXX, putting my property at risk of foreclosure. 

Despite our contractual agreement and the initial closing date of XX/XX/XXXX, we have faced significant hurdles where the loss mitigation department was unable to get us a payoff amount as we sat at the table to close including missed closing dates on XX/XX/XXXX, XXXX and XXXX, we did finally receive the payoff XX/XX/XXXX, But now the primary point of contention arises from the final payoff amount, which, upon receipt after XXXX missed closing dates, was over {$10000.00} more than the previously agreed-upon amount dated for XX/XX/XXXX. The explanation providedthat taxes due in XX/XX/XXXX were deducted from my loan accountis perplexing, as XXXX XXXX has yet to confirm the receipt of the funds after XXXX full weeks. Despite assurances from the lender that the wire was initiated on XX/XX/XXXX, XXXX XXXX disputes this, highlighting a lack of coordination and transparency. 

Moreover, the title company has requested a federal reference number for the wire transfer, a crucial piece of information that the lender claims not to possess. This lack of documentation raises serious questions about the legitimacy and timing of the funds transfer, contributing to the confusion and hindrance of the closing process. 

It is essential to emphasize that the lender 's actions, or lack thereof, are not only causing financial strain but are also potentially putting my property at risk of foreclosure. This is not only an egregious breach of our contractual agreement but also raises legal concerns, as a lender is not permitted to obstruct or impede a closing for an account under contract, especially XXXX involving a cash buyer. 

I have discussed this with any dept that would answer and listen and I additionally sent a letter to every dept available to receive documents. Asking them to take immediate action to rectify this situation. XXXX is of the essence, and any further delays XXXX result in severe consequences, including legal action. I kindly requested a swift resolution, clear communication, and the provision of all necessary documentation related to the wire transfer. 

I have a cash buyer who might walk which will result in my house being foreclosed on scheduled for beginning of XX/XX/XXXX.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

My rights has been violated by National Credit Adjusters who appeared on my credit report in XXXX XXXX XXXX  I immediately sent them three different letters and I did not receive a response back at all. It has well been over 60 days and this erroneous and unverifiable reporting has been extremely detrimental to my livelihood as well as my families livelihood. I read that I have the right under FDCPA Section 809 that I can request to validate this debt within thirty days but I was ignored and none of my requests were fulfilled. National Credit Adjusters received my letter ( s ) on XXXX XXXX XXXX  I have attached previous letters and receipts.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The items listed are wholly inaccurate and incomplete, revealing a significant error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from XXXXXXXX XXXX XXXX legal department showing that such regulations in the XXXX XXXX XXXX Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such.

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA XXXX XX/XX/XXXX XXXX, I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. XXXX has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. XXXX XXXX XXXX Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

Sincerely, XXXX XXXX XXXX Customer CC : Legal Review
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (IL)

I was granted a divorce from XXXX XXXX on XX/XX/2024. The divorce decree CLEARLY states that i am not responsible for ANY premarital debt. I submitted a copy of the decree and a letter asking all debt be removed from my credit report. I jabe also filed online disputes wirh the decree documents attached. My disputes are being rejected from the XXXX, USBANK for a credit line that was CHARGED OFF for {$7500.00} approximately. This charge off should not be appearing on my credit report any longer according to the XXXX XXXX XXXX XXXX. All notations of this account should be removed from ALL 3 credit reporting agencies, yet they are ignoring the court order to hold XXXX XXXX solely responsible.
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OK)

My lease insurance agency is XXXX XXXX Deposit , my previous apartment complex is XXXX XXXX XXXX XXXX submitted a claim to my insurance agency, XXXX, and XXXX paid them via check on XX/XX/2023. XXXX XXXX cashed that check XXXX XXXX XXXX. So Im paying XXXX because XXXX paid that balance for me. TransWorld Systems keeps emailing me and saying I still owe about {$920.00} to XXXX XXXX and that I had to pay them to get the debt settled. The debt shouldnt be in collections in the first place. I spoke with XXXX via phone XX/XX/ and the rep told me that the account is not in collections and that they sent XXXX XXXXXXXX a check after the XXXX  submitted that claim to them. The TransWolrd Systems rep XXXX XXXX XXXX XXXX XXXX I spoke to, did not properly answer my questions in a way that I could understand and she sounded like she mumbled every time she told me that they would get into contact with [ insert mumbling here ] to get the situation resolved and I HAD to pay through them to get the balance settled. XXXX already covered the balance via check, that check got cashed, Im paying that balance off with XXXX. Im not paying {$1800.00} for a debt of {$920.00} that was settled with my lease insurance company. I was more confused after I hung up the call with TransWorld Systems. Im planning on taking legal action with XXXX XXXX and frankly, probably TransWorld Systems as well. Im sending the documents and letters to TransWorld systems to remind them of my rights as a consumer.