davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (TN)

To whom this my concern. Looking over my credit report I noticed some serious inaccuracies on my account with UNITED AUTO CREDIT CORP account number : XXXX that was opened on XX/XX/XXXX. According to records I've provided in the attached documents this account was charged off on XX/XX/XXXX. Not only is this account reporting inaccurately going from 30-60-90 then to CO " charged off '' where is 120-150 months late this is inaccurate reporting and a violation of 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. As stated above this account was charge off on XX/XX/XXXX I recently notice the account mysteriously went from charge off to reporting as opened. I then got a notification that on XX/XX/XXXX UNITED AUTO CREDIT CORP had closed as can be seen in the attached document. This is a complete violation of my consumer report under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), data furnishers ( such as creditors ) are REQUIRED to report accurate information to consumer reporting agencies. Reporting a charge off account as open then closed is inaccurate because a charged off account typically indicates that the creditor has deemed the debt as uncollectible, and should not be change once as active or closed instead of charge off. This is misrepresentation or deceptive practice this creditor is deliberately misreporting the status of the account this is unfair practice under various consumer protection laws. A violation of the Federal Trade Commission Act 15 U.S.C. code 45, which prohibits unfair or deceptive acts or practices in commerce. This is also a violation of the Statute of Limitations on Reporting 15 U.S.C code 1681c this account was on course for seven year deletion on or around XX/XX/XXXX now this has been refreshed for deceptive acts of practice. I wish for this account to be removed immediately from all credit reporting agencies failure to do so legal action will be next course of action. I've also attach a XXXX  complaint that has been filed and a side by side showing how this account is reporting inaccurately across the reporting agencies.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I.C. System Inc., a collections company, has reported a debt to collect on my XXXX credit report on behalf of XXXX XXXX in the amount of {$200.00}. This account was opened on XX/XX/year>. The problem with this is that I didn't open this account, have no knowledge of this account, do not have XXXX XXXX service, and have not contacted this company for any reason.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Name : XXXX XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License Driver 's License Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I do not recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report.

Thank you for your assistance. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CA)

On Monday XX/XX/2024, I reported a fraudulent wire transfer of {$57000.00} to my bank, XXXX XXXX XXXX XXXX and to the receiving bank, Truist. Truist 's fraud department confirmed the wire transfer funds were received and available but refused to freeze the receiving account. On XX/XX/XXXX, Truist responded on the 7th day of being notified by our bank of the fraudulent activity, confirming " opening a line of communication. '' According to our bank, they were given 7 business days to replace. Our bank has stated they get another 60 days to fill out paperwork confirming funds are available, etc. This is negligence from the banks and are treating this with zero urgency. The funds were there when they were notified of the fraudulent activity.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/year> I was scammed by a " fake ticket '' seller. They requested that I send them funds via Zelle using the name " XXXX XXXX '' and email " XXXX ''. Within XXXX minutes it became clear the seller was not going to provide the concert tickets to me and I reported the fraudulent transaction to my bank ( XXXX ) who immediately contacted Zelle. 

Now look, I understand sending funds to someone I don't know can come with risks and I did some due diligence and accepted the risk this might be a scammer, but I work in XXXX XXXX XXXXXXXX for financial products and I KNOW that these types of scams happen at scale and can be prevented by the platform. Companies like XXXX ( XXXX ) and XXXX ( XXXX ) accept customer complaints, track users who might receive too many, and also can XXXX  funds/close accounts if the user reports the fraud fast enough with good documentation. Zelle refused to provide my bank with any information or recourse about the recipient, who is required to have a valid XXXX XXXX  Account. Why can't they provide me the recipients bank information so I can go to small claims? Why can't Zelle contact the recipient bank for accounts that appear to be fake? Why can't Zelle do a better job tracking these complaints, especially very fast ones so they can XXXX XXXX funds. I realize there can be abuse going both ways- but there must be a better method for tracking and providing information/dispute resolutions on its network. It can not just take ZERO responsibility to the fraud that occurs on it's platform. That seems unacceptable to me and the fact it's used by so many institutions and is a regulated platform makes me think they need to step up. 

In this particular case it's very obvious there are XXXX scenarios : XXXX ) The Zelle recipient uses their real information and scams everyone with the same account. In such a case, Zelle should provide me with that person 's information so I can take personal recourse ( e.g. small claims ). 

XXXX ) The Zelle recipient is opening fake bank accounts with false information and doing this at scale. In such a case, Zelle needs to alert the financial institutions, try to claw back funds/close accounts, or do a better job preventing their Zelle onboarding XXXX 

Zelle needs to do more this is not acceptable for a platform this large.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I get a call from portfolio recovery from a different phone number everyday for the past 3 months at least. They spoof my number to make it look like someone I know is calling. They call me multiple times in a day sometimes. Last phone number they called from was XXXX.
Consumer complaint received 2024-08-14
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

{$840.00} charged XXXX to Apple Credit Card from Goldman Sachs I first disputed on the XXXX ( XX/XX/XXXX ) because the banner showed up on the XXXX but charge was made on XXXX. Apple Card removed charge while dispute in progress. Then denied the dispute and charge was placed back on card. 

I continued to dispute the charge ( for which I had no knowledge ) very 2 months since XXXX until last month XX/XX/XXXX, at which time I was told there were no other options for dispute or resolution. In XXXX I requested proof of the alleged purchase and was told it was an " apple store purchase '' and documentation would be mailed to me. It was not mailed or emailed to me, which was confirmed on a call I had with the credit card company last week on XX/XX/XXXX. During one of the many ( every other month ) disputes I spoke with a Goldman Sachs representative who conferenced in an Apple XXXX employee who confirmed no purchase for {$840.00} was made in XXXX of XXXX. 

I did not make the alleged purchase for which my card was charged {$840.00}. And Apple Card and Goldman Sachs has not been able show proof of such transaction.
Consumer complaint received 2024-08-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2024 I made a payment to include the full balance owed on my XXXX XXXX XXXX credit card. I called to make the payment as I was unable to access my account through the online link provided on my statement email. I paid the full amount owed as per the representative on the phone. On XX/XX/2024 XXXX XXXX XXXX ( XXXX XXXX  ) charged a {$42.00} late fee to my account. That notification went to my email spam folder, and I did not see it. They proceeded to charge me late fees and interest until I was notified by my credit reporting agency that I had a card that was 90 days delinquent. The total amount accrued was in the amount of {$220.00}. I had been sent to collections and my credit score was effected by their inability to notify me. They made no attempt to call me by phone and did not send a paper record of the fees or the delinquency. The full amount owed was paid. The amount charged exceeds the new law which was passed that limit late fee charges to {$8.00}. I was not notified that any late fees would be charged to my credit card when my initial payment was made. The initial payment was also made less than 30 days from the billing statement as well.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Motor credit is reporting late payments on my account that need to be removed. I opened this account with Toyota and had a specific checking account that this came out of. We always have funds available in that account so my wife and I put it on auto pay. I got confirmation of the ACH being set up and left it as I figured it was set and done. Come to find out when I pulled my credit that there were several lates. I called Toyota and got current but they weren't able to tell my why payment was never drafted if auto pay was set up. I went ahead and set it again on auto pay and it didn't work once more so I got caught up again but this was not my fault.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

The information from the Debit card was stolen and used on XX/XX/year>. An XXXX  source charged the account XXXX XXXX. The owner of the account disputed these claims, which were denied by the bank due to insufficient evidence proving the charges were never made. The owner of the account has now lost XXXX XXXX  from an assumed safe bank account, and can no longer dispute the claims because they have exceeded the one time limit.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

I am writing to express my concern and dissatisfaction regarding a recent chargeback from my Zelle account via my XXXX  XXXX, [ XXXX ], that was processed without any prior notification or request for evidence from my side. The transaction in question occurred on XX/XX/year> and involved a transfer of {$900.00} from XXXX XXXX. To my knowledge, this transaction was legitimate, and I have the necessary documentation to prove it. However, I was surprised to find that the funds were withdrawn from my account without any prior communication or opportunity to present evidence supporting the transactions validity. This has caused me significant inconvenience and financial stress, as the withdrawal was unexpected and left my account balance insufficient for other planned expenses like paying my rent. My payroll check of {$1000.00} was deposited into my account the day {$900.00} was taken out of my account from Zelle for the charge back. 

I contacted my bank fraud department and explained that I was contacted by XXXX XXXX end of XXXX on XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wanted to host a gXXXX XXXX XXXX XXXX XXXX XXXX  After exchanging messages back and forth we came to an agreement of {$900.00} on XX/XX/XXXX. The agreement was they would Zelle me, since on the XXXX XXXX  there would be additional taxes and fees on top of the {$900.00}. I was doing them a favor by accepting payment via Zelle. Well the XXXX  party came and went with no issues or complaints. Then out of no where I get a charge back with no explanation. When I called my bank they gave me an email to send the proof I had. I sent all proof showing clearly us going back and forth on XXXX platform about how much I was charging and them agreeing to it. I have the proof needed to prove my case but Zelle never contacted me, never reached out. Every time I called they gave me no information nor tried to guide me to what I needed to do. 

I kindly request that you provide an explanation for why this chargeback was initiated without any communication or investigation. Furthermore, I urge you to review your procedures to ensure that account holders are properly informed and given a fair chance to present their side before such actions are taken.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: PayActiv, Inc. (NV)

I requested the earned XXXX XXXX on XX/XX/XXXX. i attempted to get the funds I beleive it was XX/XX/XXXX and the barcode that was supplied to me to take to XXXX was not working. I tried bot h the code in the app and the code that was emailed to me. I then chatted with XXXX  and they sent me another barcode and that one also did not work. So while I was at XXXX with the employee i messaged them again and they sent me an email and a number to give and neither worked and I was still unable to get my monies from them. At that point i was told that the issue would be escalated and they would contact me within XXXX hours. I asked what were the options I had at that point and the person did not have any answers for me. I then asked to speak with a supervisor and i was told there were none available and someone would get back to me in XXXX hours. I called them on XX/XX/XXXX and the person on the phone told me to try another XXXX. I explained what the issue was and she told me i should contact them while I was with the associate. I explained to them that is what i already did and she asked me if i could hold. when she came back she told me that i was no longer able to get the funds from XXXX, but to send a copy of my paystub showing the amount had been taken and it would be handled " right away '' when i asked what " right away '' meant she told me within XXXX hours. I sent the paystub on XX/XX/XXXX. I emailed XXXX to get a status and they sent a canned response that the issue had been escalated. I have sent numerous emails since then asking for a timeline and also what resolution would be sought and they have not answered. The closest thing i received was that the XXXX  would be transferred to my card, but i have no card on file with them so I am unsure what that means. I asked them and received another vague response about other customers also waiting for refunds and I was in the queue.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I closed my Chase account. We had been with Chase for many years. They had encouraged us to go paperless with the promise that would always have access to our account information. On XX/XX/XXXX we were doing our taxes and spent 4.5 hours with XXXX  linking our Chase and other accounts to download our information to file our XXXX taxes. All information came through from Chase and we decided to work on it Monday XX/XX/XXXX. On Monday morning all Chase information was still accessible. We worked on it a little then came back to it in the afternoon. Suddenly ALL our transactions and information had disappeared. I thought maybe I had pushed a wrong button. I called XXXX and they were baffled. After 3 hours with XXXX they informed us that Chase had cut off the link to them and labeled us with an account closed error code. 

We called Chase to ask what was happening. After an hour with Chase and 4 department transfers we were told that Chase had an internal memo on this account to route it to the fraud department. The fraud department told us there was no fraud detected on this account and they didnt know why it was flagged. We asked how we could get our account information which is our personal property and which we paid for in bank fees when we were banking in Chase. They said we had to go to a Chase bank and ask and no one at the Chase customer service phone departmenrt could help us. The bank branch said they could not help us and refused to give us our statements. We are not able to file our tax returns without this information. We believe it is our personal property and they have no right to withhold it for what seems like vindictive reasons when they promised we would always have access when we went paperless. We know they are required to keep our information for at least 5 years. Our account number is # XXXX Business name is XXXX XXXX XXXX XXXX XXXX XXXX. Our request is to be able to download our transactions to XXXX  for the year XXXX and up to the time we closed our account in XXXX. The availability was there 3 days ago and only after we updated the link with XXXX did it disappear. We believe Chase is acting with impunity to deny us access to our IRS required information and they need to flip the switch on and allow us to download all information they have until the account close in XX/XX/XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/year> Responsibility Individual Account Account Type installment Loan Type LEASE Balance {$4500.00} Last Payment Amount {$0.00} Original Amount {$4600.00} Past Due {$450.00} This is not my account. I've filed a police report, reported to the credit bureaus, reported to Koalifi,... it is identity theft. I've reported to my bank as well as disputed with credit bureaus. Koalifi did not verify info with ID, ... the product went to a location on the other side of the country.