davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
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. (WI)

Chase Credit Card refused to allow me to file a dispute against XXXX XXXX for my dissatisfaction with the goods XXXX XXXX sold me, unleaded gasoline. The gasoline was " bad '' the past 2 times I filled up at this particular gas station, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX, ( XXXX ) XXXX it caused the Engine Malfunction Light to illuminate in my car. 

I called Chase today, XX/XX/XXXX, and spoke to a " XXXX '' and " XXXX '' who refused to allow me to file a dispute on the charges of {$35.00} on XX/XX/XXXX, and {$30.00} on XX/XX/XXXX, both for the gasoline purchased at that XXXX XXXX XXXX. I explained to them that the gasoline from this XXXX XXXX XXXX  caused the Engine Malfunction Light to turn on in my vehicle two times, both times shortly after filling up my gas tank with this gas. 

When my tank got low after the first fill up XX/XX/XXXX the Engine Malfunction Light " Check Engine Light '' went off. It was off until I refilled the gas again at the same XXXX using the same pump on XX/XX/XXXX and thereafter the Engine Malfunctiom light once again became luminated. 

Chase refused to allow me to dispute either chargeand will not allow me to dispute the charges unless I, the consumer, PROVE to Chase that XXXX  sold me " bad gasoline ''. 

I don't have to do that for anything else I dispute, the gas station is no exception. If I am dissatisfied with the goods sold to me and I paid that on my credit card, 15 USC 1666i and the Fair Credit Billing Act, Section 170, I am allowed to file a DISPUTE. 

Instead the impression I got was that Chase was on XXXX XXXX side and believes consumers DO NOT HAVE A RIGHT TO DISPUTE GASOLINE, yet I do not find that exception in the law.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (PA)

In 2020 I fell into financial ruin due to losing my job on more than one occasion. I also had to move out of my parent 's house during the COVID lockdowns due to a very toxic and unhealthy living situation and a XXXX XXXXXXXX issue. When I moved out of my parent 's house, my bills more than tripled and I was unable to afford to pay all of my bills which led me to only pay the essential bills first. I collected unemployment and got government assistance for food, energy, and Wi-Fi.
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage loan had been serviced by XXXX and I have been making {$2000.00} payments for years. I got notification my loan was sold to Shellpoint mortgage servicing. As of XXXX I will be making payments to them. 
I sent payment of {$2000.00} for XXXX as I always do even though my mortgage is only {$1200.00} on XX/XX/2019 through online banking. and the money went through. I sent XXXX payment of {$2000.00} on XX/XX/XXXX exactly the same way as it is on auto pay. 

shellpoint lost my XXXX but they did get the XXXX payment. I have called 6 times and talked to many different people. I have emailed the proof my " bank statements '' and proof from from my bank that each payment cleared my account and went into their account. XXXX went to XXXX and XXXX and XXXX when to shellpoint. they say they didn't receive the payment that went out XX/XX/XXXX on auto pay. 

They received my email but only send me generic responses and no one has contacted me. they have had my {$2000.00} for 2 months now and they are trying to tell me that I'm going to be late. 

I have all proof and documentation and they say they record the conversations. 
so I would really appreciate if you can investigate this company that is trying to take advantage of me and help me try to get to the bottom of this.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

I was in the final week of closing on a property in Texas. The house was supposed to close on XX/XX/XXXX in Texas. On Monday, XX/XX/XXXX, I was emailed ( along with my lender ) at XXXX and asked for contact info for the buyer. The display name of the email was the same person who I have been working with at XXXX XXXX based in XXXX. The actual email was " XXXX '' which is different from the real email of XXXX XXXX contact. The loan XXXX for my lender responded with my name, email and phone number. About XXXX minutes later, I received an email asking me to wire the funds to close on the property, without anyone else on copy. This email came from the loan XXXX as the display name, but it was actually the same gmail noted above. I responded to their email multiple times and they provided the wire instructions. I wired {$100000.00} to Fifth Third bank, however, did not list the beneficiary as the scammer requested. Instead I put XXXX XXXX on the recipient 's as the receiver account name. I used the account number provided on the scammer 's wiring instructions PDF. When at closing to sign documents, I told the closer that I wired the closing funds. The closer called the title company, and title said they didn't receive it. Then I contacted my loan XXXX, and he said he didn't provide the wiring info. That's when I looked back at the emails and realized it was a fraud. I contacted XXXX XXXX that day ( XX/XX/XXXX ) to recall and reverse the wire. I also submitted an XXXX case to the FBI the same night and have been in contact with an agent. He said the resolution needs to come from the banks, but that the scammer 's account was frozen, and the money is held by Fifth Third Bank. A few of the XXXX address in the different scam email headers are XXXX, XXXX, XXXX Since this happened, I have visited XXXX XXXX ( multiple branches on XXXX, XXXX, XXXX, XXXX ) and called the recipient bank ( Fifth Third ) multiple times. I called XXXX XXXX XXXX wire department every day for the first XXXX weeks, and called the consumer complaint department many times. I have called XXXX Fifth Third branches ( including the one where the account holder is ) as well as the general customer support. XXXX has tried numerous times to contact Fifth Third Bank. According to XXXX, Fifth Third Bank has not responded or even acknowledged receipt. XXXX then closed the recall due to Fifth Third not responding. During a visit and a follow up call to XXXX, I successfully reopened the recall case and asked to escalate. I also filed a complaint with XXXX XXXX for closing the case after about XXXX weeks of it being opened. When I contact Fifth Third, they will not give much information since I do not have an account with them. They said they do respond to messages and are unsure why XXXX would claim Fifth Third hasn't responded. I am also filing a police report and will be emailing the XXXX teams at both banks today.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I received two emails from Citlibank informing me they reduced my credit limit on two cards I have with them by a significant amount. My Citi Rewards card limit was reduced from {$6500.00} to {$1900.00} and my Citi Double card limit was reduced from {$6300.00} to {$1800.00}. These accounts are between 3-4 years old and have always been in good standing with payments made every month on time. 

Recent payments I made on these cards on XX/XX/XXXX of {$4300.00} and {$4200.00} respectively reduced my credit utilization on these cards to below 30 % which would improve my credit score. Now that Citibank has decreased my limits it raises my utilization on those cards to over 95 % which hurts my credit score. My recent large payments to them constituted 66 % of a 0 % balance transfer promotional offer made months ago that was effective through XX/XX/XXXX and XX/XX/XXXX. I was on target to pay the entire balances off long before the promotional rates expire. You would think this would be a plus, not a minus. 

I called Citibank to ask why they reduced my limits and they would only tell me there was something on my XX/XX/XXXX XXXX report regarding balances I had with two other creditors. They would not give more specific reasons why they did this or which two other creditors they were referring to. They told me to call XXXX and ask them why, which I did, and XXXX could find nothing whatsoever derogatory on my XX/XX/XXXX credit report that would explain why Citibank took this action. All my payments to all my creditors have been made and on time. 

I have been in process of improving my credit score for several weeks. Citibank lowering my credit limits will cause my score to decrease while I am earnestly making efforts to increase my score. I am worried my other credit card companies will now follow suit, lowering my credit limits, and that my credit score will keep decreasing instead of increasing. I would think Citibank has to give me a reason for their actions and give me an opportunity to appeal their decision as I see no valid reason for them to do this. If I had only made the minimum payments on these cards at 0 % interest they would not have been legally permitted to lower my credit limits and charge me over limit fees, so by me making large payments and them subsequently reducing my credit limits it seems they are punishing me. This does not seem right.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I fell into financial ruin in 2020 due to losing my job on more than one occasion and having to move out of my parent 's house due to a very toxic living situation and a XXXX XXXX issue. My bills more than tripled when I left my parent 's house and due to no job and little income, I was forced to choose which bills to make a priority and pay those. I have received countless emails and my extended family has been receiving phone calls. They even contacted my mom 's past places of employment.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (MO)

XX/XX/XXXX I was contacted by a XXXX who stated my full social security number over the phone. This person said that I took a payday loan out in XXXX for {$500.00}. I know nothing about this and never took out a payday loan that was not paid back in full. They also left a message on my phone stating they will mail me the information to my address. I am terrified because how on earth did the get my social security number and address. The number that they called me from is XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I initiated an international wire transfer from Chase to XXXX XXXX XXXX XXXX ( XXXX ) in the amount of usd XXXX. Confirmation code issued was XXXX. 
The wire had the wrong account number and the funds were apparently returned by NY XXXX XXXX  ( XXXX XXXX  ) to Chase on or about XX/XX/XXXX. 
Since then, I have been calling the bank to ask about the status of deposit of my funds back into my account ( account XXXX. XXXX Chase ) and they keep saying that the funds will be deposited within the next XXXX hrs. I have attempted to resolve this issue through the local Chase branch in XXXX CA ( XXXX ) XXXX and through the wire transfer customer service line XXXX. Each time I call I'm told that the funds will be in the bank any time. I called over XXXX times. 
XXXX XXXX. For your reference is XXXX
Consumer complaint received 2023-12-29
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. (GA)

The Department of Education/Student Loans has been cancelled. Therefore, the stated balance is incorrect and should be reported as {$0.00}. I also, have had problems accessing the TU credit report that is under my name and have been met with a continuous barrage of password changes and re-creations of an account that already exists.Therefore, I can not gain access to further dispute these facts.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

RE : XXXX data breech ... .XXXX transferred the credit monitoring service over to Experian in XX/XX/2019 for a free one year period. That period has now expired and Experian has " automatically unfroze '' our Experian credit reports, without any option by us. Now, to refreeze our credit report, or unfreeze, we have to send in multiple documents and wait weeks before they process the freeze. The same process is involved to unfreeze. They discuss the option to do this online but it DOESN'T allow it, nor will they let you do this via phone. The only TIMELY way to essentially do this is to PAY for their monthly service of {$24.00} after the promo month. This is such a racket that I can not begin to digest how they justify doing this to the XXXX MILLION of us involved in the Equifax data breech. This is beyond acceptable and should be investigated and they should be FORCED to comply with FREE security freezes that are TIMELY!!!! Don't believe their XXXX about " online '' of " via phone '', they wont do it and insist on sending the paperwork in. Oh, and the info you have to send in via snail mail includes SS #, drivers license copy, etc. Seriously, if this info gets stolen in the mail, you have further exposed your sensitve data. Forget about talking to an actual human being from Experian, that is impossible. Try it..Does n't work..
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. 15 USC 1681A & 15 USC 1681B CC XXXX Last reported XX/XX/2023 {$2400.00} Reported balance
Consumer complaint received 2024-10-31
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-06-11
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: PREFERRED CREDIT INC (TX)

XXXX. 

{$2000.00} is the " past due '' notated on credit report. 

I have disputed this with the credit reporting agencies several times to no avail. If anything, the company take punitive behavior toward me in regards to what the report to the credit agencies. 

At once point, this company, sent someone to my front door in XXXX XXXX, TX to intimidate me into paying a debt that isn't mine. I found that to be completely unacceptable. No one has the right the come on my property and intimidate more or should I say attempted to intimidate me. I asked him politely to remove himself from my property. This has never happened to me before and was way over the top. 

The company in question is Preferred Credit, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX, phone number is XXXX. 

The continually harass me about a debt that isn't mine to begin with is completely unacceptable. I want this to end and to have all information removed from all three credit reporting agencies ASAP!!!
Consumer complaint received 2019-06-10
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. (TX)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2019-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-06-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. XXXX XXXX received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.