davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (GA)

ON XX/XX/2023, I CONTACTED US BANK TO REPORT A SCAM/FRAUD THAT HAD TAKEN PLACE ON XX/XX/2023. AT APPROXIMATELY XXXX XXXX, WHILE SHOPPING AT XXXX OFF XXXX, LOCATED AT XXXX XXXX XXXX, XXXX, GA, I WAS UNEXPECTEDLY APPROACHED BY XXXX ADULT, XXXXXXXX XXXX XXXX WHO ASKED FOR MY ASSISTANCE IN BEING AN UNBIASED WITNESS TO THEIR XXXX GAME. THEY HANDED ME A PLATE SWITH 3 BOTTLE TOPS ON AND A WHITE BALL ON IT. AFTER PLAYING, THE BAD ACTORS ATTESTED I HAD WON {$2000.00} FOR GUESSING WHERE THE BALL WAS, THOUGH I WAS NOT INVOLVED IN THEIR GAME. THEY ASKED ME TO PROVE I COULD COVER THE {$2000.00} BY SHOWING MY ACCOUNT WORTH AT LEAST {$2000.00}. I SHOWED THEM MY ACCOUNT WITH THE FUNDS IN IT. THE BAD ACTORS TOLD ME TO TRANSFER FUNDS INTO AN ACCOUNT AS AN ESCROW FOR THE SAME AMOUNT IN CASH IN ORDER TO GET MY WINNINGS. AFTER ASKING A CASHIER TO CHECK IF THE FUNDS THEY HAD WERE REAL, I DID SO. THE MAIN BAD ACTOR THEN STATED I WON {$6000.00}. HE HANDED ME THE {$2000.00} AND ASKED TO TRANSFER ANOTHER {$4000.00} TO THE BAD ACTORS ACCOUNTS. ONCE I DID SO, HE HANDED ME ANOTHER {$6000.00}. THE BAD ACTOR CHANGED WHAT HE STATED AND SAID IT WAS TOO LATE TO GET THE FUNDS BECAUSE IT TOOK OVER XXXX MINUTES AND SNATCHED THE MONEY OUT OF MY HAND, STATING THEIR WAS A TIME LIMIT. I REPORTED TO THE CASHIER THAT I HAD BEEN SCAMMED OUT OF MONEY AND TO THE XXXX XXXX POLICE DEPARTMENT. WHEN I ATTEMPTED TO GET MY FUNDS REFUNDED FROM THE BAD ACTOR 'S ACCOUNTS, MY CLAIM WAS DENIED BY US BANK WITHIN 48 HOURS.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase is withholding funds in suspense from a newly opened account. They did this because they claim that they can not verify the source of a deposit. They are holding {$28000.00} that we now do not have access to. 

In XX/XX/2023 we opened a business checking account with Chase Bank for our company, XXXX XXXX XXXX XXXX XXXX XXXX This is a registered XXXX in the XXXX of CA, operating as a sole proprietorship under XXXX XXXX. The account was opened with {$100.00} in cash and shortly after opening the account, we deposited a check from our primary customer, XXXX XXXX XXXX in the amount of {$28000.00}. XXXX XXXX XXXX is a single member XXXX in good standing registered in the state of Wyoming. The owner of this company is XXXX XXXX XXXX, husband to XXXX XXXX. XXXX XXXX XXXX performs administrative and support services for XXXX XXXX. We expect to expand the customer base of XXXX but for now, the primary client is XXXX XXXX. 

Shortly after depositing the check from XXXX XXXX, Chase sent us a letter stating that they have suspended the funds and wont release them because they claim that their fraud department can not verify that XXXX XXXX XXXX is a valid entity. XXXX and XXXX met with the Chase branch manager and gave him XXXX XXXX XXXX XXXX XXXX, the letter from the IRS assigning an EIN as well as bank information from XXXX XXXX bank that the check was written from. XXXX XXXX XXXX is also easily found on the Wyoming Secretary of State website as a valid entity. Despite all of this proof, Chase still claims that they can not verify the validity of XXXX XXXX and will not release the funds. We have provided more than sufficient proof that XXXX XXXX XXXX is indeed a valid company in good standing. The branch manager claims that there is nothing that can be done. They will not even send the funds back to the account that made the check. They have taken our money with no possible resolution to release the funds. 

The branch manager admitted that we are not the only customer that this has happened to and that the system that Chase uses does not work, but there is nothing that he can do.
Consumer complaint received 2024-07-25
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. (CA)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is being reported as delinquent XX/XX/2024 to all XXXX  credit agencies. As you can see from my upload this account has XXXX balance and was closed in XXXX.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO Bank, N.A. (CA)

( CFPB 's dropdown options don't fit this situation. ) BMO is in the process of replacing credit and debit cards for former Bank of the West customers. However, they are doing so in ways that harm those customers. 

BMO recently sent me a new credit card that was identical in appearance to the last one I received, even though it was for a different account. Thats not the way Bank of the West did business. I had four cards through Bank of the West ( two personal and two business ), each of which was different in appearance so that I could easily distinguish between them. BMO refuses to provide cards with a different appearance. So I now have two that look identical. Presumably, I will end up with four identical looking cards. That puts me at risk for using the wrong cards, mixing business and personal expenses and inadvertently using credit or debit cards when I intend to use the opposite. 

BMO has also been wrongfully declining transactions, causing me a great deal of frustration. They denied a recurring annual transaction with XXXX, making me waste 40 minutes on the phone to resolve the matter. They declined a transaction at the veterinary clinic, supposedly because they believed I had requested a new card. I never requested a new card. They were in the process of issuing new ones to former Bank of the West customers, but had not yet done so. Again, I wasted time trying to straighten it all out. Then they declined a transaction at XXXX XXXX, supposedly because I entered a wrong PIN number. I should have been able to reenter the PIN number for a successful transaction. But BMO wouldnt let me. Then I wasted almost another hour trying to straighten that mess out. That was after a horribly aggravating experience just trying to get through to a live person at a phone number that wouldnt let me past the phone tree no matter what I did. I finally called a different number ( for the credit card line ) and had to be transferred to a different department for debit card issues.
Consumer complaint received 2024-07-25
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my second notice of these fraudulent accounts on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (VA)

On XXXX, XXXX, XXXX of 2024 ( last week ) I used loan payoff instructions provided by my lender, at their web site, mrcooper.com ( Nationstar Mortgage dba Mr Cooper ) to pay off my loan. After the first payment was rejected I worked with my sending bank to ensure that I had typed everything correctly and that the wire was sent. They assured me that the wire was received at Mr Coopers bank but inexplicably sent back with no reason or explanation. I then called Mr cooper and was advised to try again. I did so, this was also accepted and then sent back the same day. After a number of hours on hold and on the phone with Mr Cooper, I tried a third time on XXXX. This was also sent back. At this point, I have a case number from the lender, but have received no response. Additionally, interest is accruing that I should not have to pay.
Consumer complaint received 2023-04-25
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. (PA)

I will need to improve my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's essential to have a good credit history to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I could not do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character by the 15 U.S.C. 1681 statute. 

I tried to remove these problems multiple times and they will not take it off. I tried contacting XXXX but the company is not listening to me.
Consumer complaint received 2024-07-25
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. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-25
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. (FL)

Good afternoon. I am writing to dispute two collections listed on my credit report, which I believe to be incorrect. The collections with the numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are XXXX accounts listed as derogatory accounts on my credit report with you every single XXXX of those accounts were listed in the bankruptcy XXXX XXXX filed in XX/XX/year> they should not be separate. I am told by my attorney from the XXXX XXXX. Also, I am told that due to XXXX, it has been over XXXX years since my XXXX XXXX, and I can request that it be removed from my credit report because the filing had to do with XXXX and not being able to work. You also have several of my addresses and phone numbers wrong. I have no idea about living in those places I never lived there and I never possessed those phone numbers. I feel like this is impacting my credit score immensely and I have worked very hard for the last XXXX years to rebuild my credit, your attention to these issues would be greatly appreciated. I dont wan na have to take further steps. Its hard enough trying to get things right and stay on top of them. You also have me listed as an a.k.a. XXXX XXXX that is a credit card that my name has been misspelled. It has nothing to do with me. I dont go by nor have I ever gone by XXXX XXXX please remove that.. Thank you. 
XXXX XXXX
Consumer complaint received 2024-07-25
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (TN)

I have a private student loan serviced through Navient, with a co-signer, from XXXX. Had the co-signer not been paying the loan off it would have been part of the predatory loan settlement brought by several AGs a couple years ago. 

The co-signer is my ex-step father whom has been paying the loan for over 10 years, and was told by a judge in his divorce with my mom that he is responsible for it. As a single mom, who is already in a legal fight to get paid the child support/alimony I'm owed, I am unable to make payments on this loan. He has been the only one to ever pay on this loan. Now that he is no longer married to my mom, he intentionally stopped paying the loan so that he could try to work a settlement deal with them. Despite being a XXXX. This is where I am finding it hard to understand if this is legally available for Navient, because on the promissory note it states we are both jointly & severally liable for the full amount. They told me today that they approved him for waiver based on him letting them know I can pay it, despite the tax return information I have provided. 

While I have heard of a co-signer release, I have never heard of a co-signer waiver. Navient has just approved for the co-signor to pay a percentage of the loan off to have his name removed without affecting his credit, then leaving the remaining balance solely on myself even though I have provided evidence of not being able to afford payments. Nor would I be approved for a loan without a co-signor, currently. The supervisor even made a comment to me about whether or not I knew this would affect me being able to take the bar if I dont pay it, once they remove him. Once the co-signer pays the 70 % of the current loan amount, more than double of the original loan will be paid back to Navient. Even more, they offered to settle the loan for less than what they are accepting for the co-signor waiver. 

I have searched everywhere on the internet for information regarding co-signer waiver, cant find anything. I have tried to reach out to the top executives at Navient ( CFO & Chief Legal Officer ), regarding this issue, I have requested a signed copy of the original loan agreement, and no-one will email/call me back. While I have been provided the promissory note, they will not provide me with the full signed loan agreement. I was yelled at over the phone by a case manager saying they can do it but not explaining how, legally, where it is stated in the loan agreement. I feel like this is wrong, and was hoping you could maybe point me in the right direction.
Consumer complaint received 2024-07-25
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. (RI)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX  XXXX XXXX account number XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters keeps changing the date of this loan they say I made. I do not owe this debt. I ask for proof my signature something to prove this is a valid loan they say i got online. I am on XXXX XXXX why would i take a loan out. I even ask the credit bureau they keep saying its validated but i never get a copy.
Consumer complaint received 2024-07-25
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. (NY)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-20
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: CL Holdings LLC (GA)

JEFFERSON CAPITAL SYST is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account JEFFERSON CAPITAL SYST XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report. My credit report will show the incorrect balance this collection agency is reporting. They added {$650.00} on top of the balance that I had with the original creditor. I find it necessary to sue you for actual damages and declaratory relief under the FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 I made an online balance transfer with a Citi bank card to be received by XXXX so that I could avoid the high APR rate. It took some time for the transfer to go through and when it finally did, I noticed that my XXXX account had not been paid. I immediately reached out to Citi bank only to be told that indeed by transfer had gone through and XXXX XXXX  had received the funds. Unfortunately, that is not by bank. It's been a over a XXXX  and many a phone calls and heartaches. I have visited local branches of Citi and XXXX XXXX  with the information that Citi provided me with. They claim that I made the transfer and that it is my mistake because according to them I entered the wrong account number. I find it hard to believe that I entered XXXX numbers wrong and that those numbers would match the expiration date and that the security number would match. I now find myself paying my XXXX card and the Citi card. I am at my wits end.