davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (ID)

On XX/XX/2018 I wired USD {$400.00} from XXXX, Idaho to XXXX, XXXX via Western Union. The exchange rate on their website differed from the rate charged at the time of the transaction by 10 % which resulted in XXXX Euro difference on the transaction. ( See attached screenshot of the published rate and copy of the transaction receipt ). This charge was in addition to the {$28.00} transaction fee.

That same day I filed a complaint with Western Union. Western Union responded yesterday with a lame excuse.
Consumer complaint received 2024-11-16
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
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. (TN)

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. 

Account XXXX : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2018-06-04
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: CITIBANK, N.A. (PA)

Hi I have made XXXX purchase on XX/XX/XXXX and the same was not working/defective and i had to return subsequently. 
i was asking for the refund from citiback credit card and they are not helping me. 

I need your help here.. 



Below is the latest info from citiback for my {$390.00} refund amount. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Citi ( R ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. Please understand that Citi does not set these timeframes and we are unable to extend them or reopen a claim once this date has passed. We no longer have any options available to pursue a credit on your behalf through the dispute process. 
We regret that we are unable to assist you in this matter. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT ************************************************************************************************ I also providing further info that XXXX has settled the matter with citibank as below : -- -- - Original message -- -- - From : XXXX To : XXXX Cc : Subject : Re : Order : XXXX Date : Mon, XX/XX/XXXX XXXX XXXX Hello, We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Therefore, we will not be able to reimburse you. 

Please contact your card issuer for more information about reimbursement for this purchase. In the future, file an XXXX XXXX claim to resolve any issues related to XXXX XXXX purchases before contacting your card issuer. For more information, see our XXXX XXXX FAQ ( XXXX ). 

We can not help you further with this problem. 

Sincerely, -- - XXXX Account Specialist XXXX XXXX I also confirm that the seller has confirmed that he has approved to issue credit to me as below : Order ID XXXX : Message : Dear XXXX, We confirm that the refund has been initiated on XXXX and our system shows that we have fully refunded you {$390.00}. 
Please find the attached screenshot of your order. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-06-04
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: SYNCHRONY FINANCIAL (TX)

I did not authorize this creditor to run my credit I have never heard of them nor request credit with them.

Creditor Name : SYNCB/GAP Inquiry Date : XX/XX/XXXX Removed By : XX/XX/XXXXType : National Credit Cards/Airlines
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UBS BANK USA (NY)

I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time or it was dropped in the wrong address.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2018-06-04
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: MB FINANCIAL, INC. (NY)

I sent every month a check to you guys towards a payment for my account now I sent out a payment on XX/XX/XXXX as usual now I got a note from XXXX XXXX XXXX that they will close my account so what happened was that by the time the check was cashed by you my XXXX XXXX XXXX account was closed so you were not able to deposit this check now I didnt know about this until the following month so I thought I sent out my check and I thought that everything was fine so now the following month I figure out about it and I right away send out a check to you but that was to late if I remember correctly it was 1 day after the 30 days that you guys received my check
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm having an issue with Equifax not correctly reporting my trade-line with my car loan from XXXX XXXX XXXX, despite XXXX XXXX being able to correctly report the trade-line. Not only has Equifax not reported that I've made a single payment since XX/XX/2018, they are reporting that I am adding debt to this car loan, when in reality I've been paying it down with each payment. In return this damages my credit score and when I try to initiate a dispute with Equifax to fix it they ask me numerous ridiculous 'account verification ' questions about old trade lines and payment amounts including having an address in there for me that I've never, ever lived at and I've even told them that before. I know I answer these questions correctly, yet they still say they can't verify my identity and attempt to make me jump through multiple more hoops to submit a dispute. This is all to prove my identity when in the end this nightmare is simply because of the inaccuracy of the information on their end. And, naturally, it's virtually impossible to reach a real person to resolve any of this mess at Equifax. This is ridiculous and they shouldn't be allowed to have oversight over people 's credit reports if they can't report it accurately or have any accountability.
Consumer complaint received 2018-06-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute online for the inquiries I do not recognize back in XXXX. I called TransUnion on XX/XX/XXXX and they would not remove the inquiries on my credit report. I do not recognize these inquiries. 

XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

1. I was making a reservation ( XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX ) through XXXX XXXX XXXX ( which is one of the benefits for XXXX XXXX Card holders ) over the phone. 

2. A customer service representative ( CSR ) of XXXX XXXX XXXX, " XXXX '' guessed that I wanted to make a reservation for XXXX XXXX by XXXX XXXX for for XX/XX/XXXX to XX/XX/XXXX, instead of XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX.

3. Before she reserved the XXXX XXXX by XXXX XXXX, I found her mistakes and tried to fix the issue by emphasizing that " I want to make a reservation for XXXX XXXX XXXX, not XXXX XXXX '' and by providing the address of XXXX XXXX XXXX multiple times to her. Finally she seemed to understand that she should reserve XXXX XXXX XXXX, not XXXX XXXX. 

4. During the call, she told me that she would send me a confirmation email for the reservation within 15 minutes.

5. I received the confirmation email for the only XXXX XXXX XXXX ( attachment : XXXX ) with Case ID : XXXX and then I checked my XXXX account. I found her mistakes - she made two separate reservations - XXXX XXXX XXXX and XXXX XXXX - for XX/XX/XXXX to XX/XX/XXXX without my permission even though I emphasized that I needed the only reservation for XXXX XXXX XXXX, not XXXX XXXX to her multiple times during the call.

6. I called again the XXXX XXXX XXXX. After waiting more than 40 minutes to contact a CSR, the call is connected to another CSR ( Her name is XXXX ). She simply told me that she did not power to cancel the reservation because XXXX reserved XXXX XXXX with non-refundable rates ( even though I did not allow her to reserve XXXX XXXX ). 

7. Attached ( XXXX and XXXX ) are proofs that both of the reservations made by the XXXX XXXX XXXX using the email address in the attached file because the email address is XXXX ( not my address, XXXX ). 

8. A huge mistake by XXXX of the XXXX XXXX XXXX made me frustrated. No willingness by XXXX of the XXXX XXXX XXXX to help me under the frustration made me disappointed. 

9. I hope that the wrong reservation by XXXX will be fixed/cancelled within 24 hours because the reservation would start on XX/XX/XXXX.
Consumer complaint received 2024-09-20
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: LendingPoint Holdings LLC (NJ)

I am filing a formal complaint against LENDING POINT for violations of my consumer rights. LENDING POINT did not allow me to opt-out before sharing my personally identifiable financial information with third parties, including other financial institutions and consumer reporting agencies. This action violates my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and New Jersey state laws on consumer privacy and data protection. Despite notifying LENDING POINT that I did not consent to the sharing of my information, they claimed they had the right to do so according to their Privacy Policy. This contradicts the GLBA 's intent to protect consumer financial information and uphold the principle of consumer consent. I requested a complete accounting of my account, including signed documentation detailing who funded it and the true amount owed. LENDING POINT only provided a copy of the Promissory Note, failing to clarify the account 's funding and evidencing multiple violations of the Truth in Lending Act ( TILA ). Additionally, I informed LENDING POINT in my last two communications that all correspondence should be sent to a specific address. They have continued to send mail to an alternative address, which I consider an invasion of privacy. By sharing my financial information without consent, LENDING POINT is committing identity theft, as defined by federal law ( 15 USC 1681a ( q ) ( 3 ) ). Their actions aim to undermine my rights and collect on credit extensions through coercive means. In New Jersey, any contracts designed to commit fraud or exempt parties from their responsibilities are deemed void and unenforceable, aligning with the state 's strong consumer protection laws.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

While reaching out to JP Morgan Chase regarding fraudulent activity on my account, caused by a XXXX glitch, the physical credit card was cancelled with the intention of sending me a new card. I have been a happy customer of Chase for over 10 years prior to this situation. 

On XX/XX/2018 at approximately XXXX EST, before a new card was received, I was called by the JP Morgan Chase Collections department to discuss a 'Hardship ' arrangement to pay off the outstanding balance on the account. I spoke with the representative regarding the program and its benefits/pitfalls. During her disclosures I specifically asked, " Will this program 'Suspend ' my account ( meaning I would be able to use the account once it was in good standings ) or 'Close ' my account ( meaning I would have to re-apply for a credit card once my credit score was acceptable ). '' The representative quoted 'Suspend ' and in doing so I agreed to the terms of the 'Hardship ' arrangement.

In an attempt to purchase my first home I went to get pre-approved for a mortgage loan only to find out my credit score was so low that I couldn't be approved even with a co-signer. I requested more information and was told that my credit score no longer showed a 'JP Morgan Chase Credit Card XXXX ' With the hopes of getting more information, I reached out to Chase directly.

Initially Chase could not pull up my account because the card number I was using for verification had been cancelled and they had no record of the account ( Chase updated my account to show a card number I had yet to receive ). Once I verified my identity I was informed that : 1 ) It is company policy to 'Close ' the account when a customer enters into a 'Hardship ' arrangement EVEN IF a representative falsely claimed the account would be 'Suspended ' 2 ) There was no recourse to my account getting closed without my informed consent.

3 ) Chase does not provide copies of audio recordings or transcripts, they are for 'quality assurance purposes only ' and are 'Chase property, ' despite the fact that customers have to agree to be recorded to begin with.

4 ) Chase does not mail out contract agreement information, documents regarding the 'Hardship ' arrangement, or 'Right of first refusal ' forms.

In the last two weeks I have been repeatedly turned down when requesting an audio recording or text transcript of the conversation where I was offered the 'Hardship ' arrangement. 

Due to a lack of recourse I requested the 'Legal ' department or an address/name of someone I could send a formal request to. I ended up going through several departments with very little success until another Chase supervising rep ( ID : XXXX ) gave me the 'National Subpoena Processing ' address to request the audio recording. 

Important Information : Date of Offer : XX/XX/2018 Time of offer : Approx. XXXX EST Rep. ID # : XXXX National Subpoena Processing Mail Stop : XXXX XXXX XXXX XXXX XXXX . 
XXXX IN, XXXX
Consumer complaint received 2024-09-06
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-06-04
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. (KS)

XX/XX/XXXX I received an alert that my loan with XXXX XXXX XXXX is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.