davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I made 3 transactions. One transaction for {$7.00}, one for {$7.00} and another for the same price. All 3 transactions were taking out of my account and my balance changed. I woke up the next morning and the transactions were at the top of the list and the chronological order was entirely off leading to those 3 charges as freshly new charges. I was charged with an overdraft fee for the 3 transactions. This has happened previously but I was granted a fee reversal. I ask for the fees to be reversed again but they denied me. I told them they should reverse the transactions due to resequence but they were not understanding. I have done my research and have seen that debit resequence happens often but many account holders don't notice. Resequening is totally unfair to account holders.
Consumer complaint received 2022-01-28
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: U.S. BANCORP (TX)

There is an inquiry about a XXXX credit card with USbank that has shown up on my credit report on XX/XX/22. I did not apply for this card and it was applied for under the incorrect name.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

I was contacted by mail by Dynamic Recovery Solutions on XX/XX/2021 about a debt which the original creditor is XXXX XXXX XXXX XXXX for XXXX and reference number:XXXX, and the current creditor mentioned is XXXX XXXX XXXX. They have received a mail from me requesting the validation of the debt on XX/XX/XXXX, but failed to provide to me the information requested which is considered as a violation of my rights because it has been more than 30 days since they got my letter. Not only they failed to respond to my request that I gave them 30 days to reply to and to delete the debt if they can not validate it, but also the amount and the status mentioned in the letter are not the same as what is in my credit report. They did not even change the status of the debt as under a dispute. I am now requesting a deletion of this debt since it can not be validated and some information dont match. 
Thank you!
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

I was managing partner of a medical practice that closed XXXX XXXX. We had a contract for a copier signed in XXXX of XXXX. My secretary notified US BANK of our practice closure date by phone. The copier was disconnected and moved to a different room in building after we closed. One of my partners made several calls requesting a final bill and pickup of the copier. We received a default bill in XXXX. Two certified mail letters were sent, one in XXXX, and one in XXXX. I received two letters back claiming they had unsuccessfully tried to contact me. I tried multiple times to contact the person that sent the letters and got voicemail only. I left messages to call my cell phone. I never received a call. I paid everything owed mid XXXX and sent certified letter with check requesting our relationship be finalized. The contract states they need 90 days written notice, or I can return copier, or I can purchase it. Have no idea how to " return a copier '' the size of the one we had and can't get a call returned to find out how. My retired partner recently sent me a XX/XX/XXXX bill he received for over {$1100.00} in charges for use of copier, late fees, and damage fees. 
I really do not believe anyone at US BANK was or is interested is resolving this issue. 
I am out of ideas. This all seems very unethical to me. I would appreciate any assistance you can provide.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: GOLDMAN SACHS BANK USA (NH)

I have contacted Apple/ Goldman Sachs many times over in the last two months to solve a problem I have with a bank transfer from XXXX XXXX Apple . 

XX/XX/XXXX I attempted to complete a bank transfer from XXXX to my Apple account to lower my interest from 16 % to 0 % for 18 months. 

The bank transfer was shown as completed on my XXXX XXXX XXXX Credit Card # XXXX for a {$2000.00} debit. 

The debit to my Apple Card did not happen so I called Apple ( as XXXX suggested ) and was told that they dont accept Balance transfers???? Okay, well then I thought that the {$2000.00} would then be credited back to my XXXX account. 

This attempt to transfer was on XX/XX/XXXX. I have filed 2 disputes with Apple and XXXX. Both banks returned the disputes accusing the other for the problem! XXXX says that Apple received the $ $ $ while Apple says that they never cashed the $ $ when they received it from XXXX Its been two months Ive been waiting for a resolution. Seriously, it is XXXX. Am I to assume banks cant work together, for the consumer, in solving what I consider a pretty easy dispute. Am I just supposed to roll over and say forget it? Im retired and really dont have that luxury. 

I understood, by my misguided knowledge of banking, that the money {$2000.00} that was debited on my card would be a credit on or near XX/XX/XXXX when it was denied. It really doesnt matter in this case that there was Proof of Payment but WAS THE PAYMENT ACCEPTED. It was not. 

I have documentation of phone calls since early XXXX to billing disputes that total XXXX minutes that I can verify by our carrier XXXX. 


The situation that needs to be settled is : Who has the {$2000.00}. XXXX or Apple? 
Who cashed it or didnt cash it where is it now? My XXXX credit card is showing a {$2000.00} debit, I NEED for these two banks to figure it out. 

I have also filed a dispute with the FDIC, as well. I will file publicly on XXXX and any other high profile website or other social media if I need to. 

What further action do I need to do to settle this? 

Please respond with acknowledgement of this email. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

I went to my mailbox and retrieved several pieces of mail in that mail was a XXXX debit card issued from TD Bank that I never applied for. 
Further inside of the mail was a statement issued from TD Bank of a returned check that was deposited to this account and an overdraft fee associated because of altered or fictitious check. 
This check was deposited in XXXX Maine TD Bank I contacted their fraud department and I have reported this they have intern began their investigation of this so now I am reporting this particular issue to you There are also several others within the mail which I will file complaints with also after I have contacted these companies to file complaints Check deposit date of XX/XX/2022 Check was identified as fictitious Check was drawn from bank labeled XXXX & XXXX for an amount of {$1900.00} & labeled as a XXXX  check On the signiture is the name XXXX XXXX XXXX and typed for deposit only
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To whom it may concern : Ever since I opened ( XX/XX/XXXX ) this Capital One Quicksilver Credit Card Account and being unaware and charged with some overburdening Fees/Charges associated with this type of credit card offer, I have been miserable with having to maintain this account ( ending in XXXX ). I was only financially able to finally pay off the entire credit card balance ( {$3100.00} ) on XX/XX/XXXX. 

On XX/XX/XXXX, I learn that I was charged another XXXX XXXX XXXX : {$25.00}. Again, this account was closed ( supposed to be completely Closed ) as of XX/XX/XXXX. I asked the representative at time off closing this account what is the Total/Full Balance/amount owed to Capital One associated with this account and it was two thousand nine hundred sixty two and sixty seven cents. I paid that {$2900.00} amount. 

As of XX/XX/XXXX and also discussed in a conversation with a Capital One representative, supervisor ( XXXX in XXXX, Florida ), my referenced account accrued interest ( {$25.00} ) for a billing cycle from XX/XX/XXXX - XX/XX/XXXX. I fully paid this account off and all matters ( fees, charges, balances ) involving this account up to and including on XX/XX/XXXX. 

In reference to Capital One, there is simply no way to explain nor justify charging a so called Customer any fees, charges, after an Account was " officially '' Closed except to strong arm, unethically abuse your ( Capital One ) financial abilities against the consumer. 

I would appreciate the CFPB to have Capital One reverse/eliminate this {$25.00} charge and once and for all close the referenced account. Thank you all for your assistance.
Consumer complaint received 2022-01-28
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc. (FL)

NationStar DBA Mr. Cooper Charges you for monthly inspections on homes that are less than 30 days delinquent ( they have 15 day grace period ) No inspections are EVER done! ( Iknow, b/c I AM also an inspector for these services. I also know firsthand they give sensitive information to minors at these homes. As I was witness to the only actual inspection I ever saw take place. 
, and that particular homeowner was less than 30days past due. I have inside information that there are multiple accounts where funds are being misrepresented and fees are being charged for services that are false they spam consumers with ROBO calls multiple times a day despite homeowners requests & / or filings that these calls are not necessary or rightly due.
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB (KY)

On XX/XX/XXXX, I made a purchase of two items on Wayfair.com for a total of XXXX USD ( Order Number XXXX ). I agreed to use the service of a company named Klarna, which offered to lent me the money for this purchase and allow me to repay in 4 bimonthly installments of XXXX USD each with no interest. 

I returned one of the items ( original cost of XXXX ) to wayfair shortly after and the confirmation of the return was received on XX/XX/XXXX by that company. 

XX/XX/XXXX, Klarna contacted me to let me know that a return had been reported and payment schedule paused. 

XX/XX/XXXX : Klarna emails that there is no confirmation of return from XXXX had been received. I responded with the information they requested to confirm such return. 

XX/XX/XXXX : Klarna writes that they received formal confirmation of return from XXXX and informs that a refund for the payments made will be scheduled for the next 5-7 business days. 

XX/XX/XXXX : XXXX issues refund for XXXX USD to Klarna and emails me about it. 

XX/XX/XXXX : Klarna takes XXXX USD from my account XX/XX/XXXX : I email and inform them of the mistake, and request a refund for the XXXX payments ( XXXX USD minues the cost of the XXXX item I kept, for XXXX USD ) XX/XX/XXXX : Klarna informs that a refund for XXXX USD has been issued and to expect it within the next 5-7 business days and ends with a note of " no outstanding balance due ''. 
XX/XX/XXXX : I email explaining again that the refund does not correspond to the amounts that must be refunded, and that instead, they just withdrew XXXX. They repeat the answer from the previous email and suggested me to contact XXXX for the return. 

XX/XX/XXXX and XX/XX/XXXX : Klarna writes requesting me to contact them only if I " have new information regarding this matter '' Klarna never refunded the XXXX mentioned or any of the rest of the payments made. 

Please help.
Consumer complaint received 2024-08-23
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. (FL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2019 Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2022-01-29
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: Continental Finance Company, LLC (FL)

This debt was sold from XXXXXXXXContinental Finance XXXX XXXX XXXX XXXX I know this because I called Celt/Cont to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX XXXX XXXX report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. 
Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Consumer complaint received 2022-01-29
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. (MD)

I am requesting a payment history of our closed mortgage account from XXXX XXXX XXXX. After an very long investigation, we found out that XXXX is reporting very different data to the XXXX credit bureaus. For Transunion the data has been changing still after the closing of the account. It is only reporting XXXX of the XXXX payments that were made. This is separate from reporting the accounts monthly status as good. The account balances to the credit bureaus are not accurate from month to month. The balances are higher than when the loan transferred to them in XXXX of XXXX. At that time the balance was {$190000.00} and after a total of XXXX consecutive payments starting from XX/XX/XXXX through XX/XX/XXXX, the monthly balances reported to the credit bureau 's have been higher than what is reported on the monthly statements. We have disputed this before, but they refuse to correct the wrong data. The main one is the Transunion account. The XXXX XXXX reports shows that out of the XXXX consecutive payments made, XXXX only reported XXXX ( XXXX ) of those XXXX payments that were paid on time Transunion. This action greatly affects the credit score outcome as well as balance history, in that it makes the account report that the balance has not decreased over time. The XXXX account is being used to cripple our credit reporting. We have documented that for the research that was done.
Consumer complaint received 2022-01-28
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ADIR INTERNATIONAL LLC (AZ)

Credit card obtained and charged without my knowledge or permission. I only found out about the account after checking my credit report. I had never heard of or nor shopped in the issuing store before.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (VA)

I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For BB & T ( Truist Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations XXXX XXXX Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX XXXX in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave XXXX XXXX Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX  Complaint And Attorny General
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (UT)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX, XXXX. XXXX
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (CA)

This information appeared on my credit report as a collection. I never owned this debt, I don't know either company. I never received a letter or information attempting to collect the debt to allow me to contest it as required by law. 

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/XXXX {$340.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Consumer complaint received 2022-01-28
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: Experian Information Solutions Inc. (FL)

I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.