davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: ALLY FINANCIAL INC. (CA)

Back in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Department called me regarding suspicious fraud charges on my account # and I confirmed the following as fraud. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX When I received my statement, they had reversed a charge that was actually legitimate and I immediately advised them of same. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX After numerous phone calls, and a letter written in XX/XX/XXXX, this still remains unresolved and I am making payments and incurring interest to date. At this point, they owe me money. 

My Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

My credit cards were charged multiple times, which accumulated to a large sum, to two companies I have never heard of before. Upon noticing these charges I called Chase to report these charges as fraudulent. Chase denied my claim and is claiming me responsible for all the charges. Upon calling back, I was told that the charges were made in XXXX and look like travel-related charges. I have never been to XXXX, as I reside in the United States, and have not traveled in the past year due to the covid pandemic. Despite this, the Chase representative told me they are holding me responsible because " I did not report it fast enough. '' ( I had reported it 8 days after the charges started occurring ). Chase pledges that they will " not hold their customers responsible for any charges they did not make '' however, in this case, they are not investigating the fraudulent charges committed on my account, and are purely basing the case off of me not reporting in time, which was only 8 days after the fact, and after researching it states that customers have up to 60 days to report fraud. 

I asked the Chase representative I was on the phone with : " So if any of your customers received fraudulent charges, but did not report immediately you would hold them responsible for the fraudulent charges? '' to which the Chase representative replied " Yes '' I find this extremely negligent and unprofessional, as it seems like the representative is saying that Chase does not even care to look into the legitimacy of the charges and is purely basing their claim off of the customer being able to constantly monitor their account and notice such charges in time. This goes completely against their message that they " do not hold their customers responsible for charges they did not make '' as the representative clearly admitted that they will if their customers don't report immediately, regardless of whether or not the charges were actually fraudelent.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Looking to change incorrect data on my credit report. I reached out to the Equifax, about the incorrect information that being reported. Unfortunately, I was robbed back in XXXX, The insurance company paid a substantial amount of the car. The remainder balance was XXXX. Which XXXX XXXX decides to offer me s settlement agreement of XXXX XXXX To my understanding I though things were updated based on my consumer rights.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (AL)

was working on my credit and saw this inquiry for AMEX made on XX/XX/year>. I reported that it wasn't mine and they confirmed they have no account or traces of an account linked to me.
Consumer complaint received 2024-01-11
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (VA)

I am writing to file a formal complaint regarding a collection account labeled TRUIST XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Lately USAA has been coming after me 1st by wanting to cancel my Auto Insurance. I have been a customer for about 40 years. Today I called usaa credit card services and came through authenticated through the voice prompts. The man that answered the phone appeared hostile and asked many questions to authenticate me. I answered all their questions correctly. He told me that I failed authentication and was going to hang up the phone and he did. USAA is targeting me because I am a conservative a Republican and I love and Adore the XXXX XXXX XXXX. This has to stop. I'm being attacked!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NV)

These companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c nothing was provided.

15 USC 1681 E ( B ) STATES I HAVE THE RIGHT TO MAXIMUM POSSIBLE ACCURACY.

( CHARGE OFFS IS CONSIDERED INCOME.INCOME BY LAW IS NOT TO BE FURNISHED TO A CONSUMERS CREDIT REPORT AS INCOME THIS IS INACCURATE. ) in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY. 

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 6802 ( B ) ( c ) A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC PERSONAL INFORMATION TO A NON AFFILIATED THIRD PARTY UNLESS THE CONSUMER IS GIVEN AN EXPLANATION OF HOW THE CONSUMER CAN EXERCISE THAT NON DISCLOSURE OPTION.
Consumer complaint received 2024-01-11
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

This is many years later about Navient. I previously filed complaints about XXXX XXXX in XXXX. 
I started getting harassing calls first from someone twice and they said that they are calling from " XXXX ''. Then they said that they have a client that is working with me that would like to talk with me. Then they transferred it to a man, without even waiting for my approval. The man said that he is calling about my Navient XXXX XXXX XXXX. I told him that it is over. Then he called and left a message using scare tactics. His voicemail said that he is working for Navient and he needs to get my work authorization. I didn't call him back. 

Why didn't I call hem back? Because those Private Loans were charged in XXXX and they passed through through four years of California XXXX XXXX XXXX. Then they kept on emailing me and reported my credit for another 10 years. After 10 years Sallie Mae/Navient dept was over and I never paid for them. They removed the debt from my XXXX XXXX XXXX Credit Report XXXX XXXX. 

I checked my Credit Report today and I found out a wrongfully charged old debt that said " It was paid at XX/XX/XXXX ''. That is a lie. I never paid them and they are being sneaky and they are scamming me. They have no transaction to approve my payment to them on XX/XX/XXXX. They basically set the clock back to reactivate my old loans. I want Navient to take responsibility for their wrong doing and remove their newly activated loan. 

Here is a screen shot of Navient 's stupid lie and reporting! 

NAVIENT Exceptional payment history {$11000.00} Balance updated XX/XX/XXXX Account info Account name NAVIENT Account XXXX Original creditor- Company sold- Account type Education Date opened XX/XX/XXXX Open/closed Open Status Open/Never late. Deferred, payments begin XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$4000.00} Paid off 0 % Monthly payment {$0.00} Last Payment Date XX/XX/XXXX XXXX Months Responsibility Individual Your statement-
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Federal Credit Control, Inc. (OH)

I was looking at my most recent credit report and noticed a company I have never done any business with reporting a collection account with a balance of {$2300.00}. I do not know who First Federal Credit Control is and have never given them permission to access or report anything to a third party using my informtation. I demand removal of this account as it has caused an extreme amount of damage to my profile resulting in credit denials based on this false info.
Consumer complaint received 2024-01-11
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. (NJ)

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

THESE ARE THE ACCOUNTS 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX # XXXX I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They must be XXXX because everything is inconsistent.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (GA)

This is to update my statement for XXXX After reading my statement for XXXX I realized that I was highly upset when i wrote it and that it was Incomprehensible. I couldnt even understand it. Lol On XX/XX/2024 I Used Remitly to make a transfer to pay for a service in the XXXX XXXX At XXXX XXXX  XXXX I requested to transfer {$200.00} to her bank account in XXXX. We saw the notice that it could take XXXX days to deposit to her account. We both realized that was unacceptable. I read on the receipt You can cancel for a full refund anytime unless the funds have been picked up or deposited, but i couldnt find a cancel button. 
So around XXXX XXXX XXXX XXXX after making the transfer request, I called the XXXX number to cancel. The agent put me on hold while he checked to see if he could cancel it. 
When he returned on the phone he said that he could cancel the transaction, & told me to allow up to XXXX XXXX for funds to be back in my account. 
I still needed to pay her & not until I thought the bank deposit transaction was canceled, I submitted a new transfer request at XXXX for {$200.00}. Only this time it was to be sent through XXXX XXXX for cash pick up. The receipt said it would be ready for pick up at XXXX ( That transaction is correct and not in dispute. 

Then on XXXX XXXX I noticed the bank transfer didnt look like it was canceled. I called and was told it had not been canceled because at the time I tried to cancel, the money was on its way and it could not be canceled at that point. That the agent was wrong for telling me he could cancel the transaction. When I spoke to the manager I was told the same. Because the money was on its way, it couldnt be canceled. I showed them the consumer rights statement on my receipt that reads You can cancel for a full refund anytime unless the funds have been picked up or deposited. Neither of these things had happened at the time I called to cancel. 
The receipt shows I made the transaction at XXXX and the money wasnt deposited in her account until XXXX. XXXX hours after I called to cancel it. 
Ive circled in red the highlights of time and the consumer rights statement.
Consumer complaint received 2023-04-26
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. (PA)

These collections and inquiries are not mine and are reporting incorrectly. I demand that these accounts below be removed immediately from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC (FL)

Ars LLC says I owe {$200.00} from XX/XX/2020 I am unaware of this account and I have had this removed from XXXX and XXXX  credit bureaus, but XXXX  says they did an investigations as well as XXXX  and XXXX  and this charge belongs to me according to them. 

Please have these removed from my XXXX  credit report as they do not belong to me.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A 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 an account without my written instructions.

I have filed disputes against these companies several times and each time they come back as verified without validation or corrections. This has caused me many denials and much stress.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (NV)

I deposited funds into my business checking account at the US Bank location in XXXX, NV via cashiers checks on XX/XX/year> so the funds would be available XX/XX/year> for me to withdraw via cashier checks. Being XXXX XXXX XXXX XXXX  I knew the certified funds would be available next day. At the time of the deposit, I was not given any notification of a pending hold on my deposited funds. Prior to going into the bank on XX/XX/year> to withdraw my deposited funds, I checked my balance which reflected an available balance of the previous days deposits. The bank employees told me my request was as over their limits and they contacted a back shop employee that in turn declined my cashier check request stating the funds werent available. I had a long discussion with the asst manager who seemed to understand my dilemma but didnt have the approval limits within her institution to process the transaction. I had her contact another back shop person to ask if I would be able to get the cashier checks the next day. Upon her next call, she reiterated the funds were all certified funds. The back shop personnel told her it would be available XX/XX/year>. I told the in person bank employee if they couldnt guarantee the funds for tomorrow that I would wire the funds out to one of my other banks that could take care of my request for checks. The employee told me I didnt have the funds available to wire. I reiterated my available balance reflected I had more than enough funds and she followed up with, well your past the cut off. I explained I would Wire the funds in the morning if they couldn't figure out how to approve my cashier checks. 
Requested funds for cashier checks = {$320000.00}, please see attached account balance available.
Consumer complaint received 2023-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX, XXXX, I did a foreign wire transfer from my Chase bank account to my personal XXXX  bank account ( XXXX XXXX ) of XXXX XXXXXXXX that never arrives. 
On XXXX, XXXX I contacted Chase Bank and they told me that they already sent the fund, however, my bank never received the money. 
I already did a wire transfer to the same account in XX/XX/2023 without issue so the receiving account numbers were corrects and I knew something was wrong because the first time, it took less than a week for the funds to be transferred. 
They launched a recall request - inquiry number XXXX but to this date, my money hasn't been retrieved. 
On XX/XX/XXXX, I followed up and they told me they were still working on it. 
On XX/XX/XXXX, same thing and finally on XX/XX/XXXX, they close my case, saying that their severals attempts failed and asking me to contact the benefiiciary ( but I am the beneficiary! and my XXXX  bank never received the funds ). That is unacceptable that my funds were lost by Chase and I believe it is their responsability to refund me for the loss.
Consumer complaint received 2024-05-23
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: FIRST PORTFOLIO SERVICING INC (FL)

A new card was opened in my name XXXX XXXX XXXX Card and a purchase for over XXXX was showing on a statement for a XXXX XXXX. ( XXXX XXXX XXXX ) I contacted the company to dispute it. They kept it on my card. I asked to show any proof that this charge was made by me. Any invoices, receipts or ID upon checking in. They never provided it to me. I then closed my account and disputed with three credit bureaus and the response was that the information they have is correct but never sent it to me. It has been over 3 years and I still dispute it and put the remarks down. This was not made by me and as a vacation rental purchase ID is required to use any platforms when paying for this.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have submitted to the credit bureaus a late payment for XXXX, but my payment is not due until XX/XX/XXXX. Today is XX/XX/XXXX so how could I be late for a date that has not passed yet which has impacted my credit score. Also I have made a payment on XX/XX/XXXX in addition to intentions of making a payment of on XX/XX/XXXX as well.
Consumer complaint received 2024-05-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: FIFTH THIRD FINANCIAL CORPORATION (CT)

My mortgage was with XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a welcome letter from Fifth Third Bank. On or about XX/XX/XXXX I called Fifth Third to inquire about a HELOC, at which time I was informed that they do not provide this to Connecticut residents. I then asked what the process was to pull equity from my home again I was informed that also was a service not offered to Connecticut residents. Upon further questions about why not the representative informed me that no other mortgage service was provided for my state. I was informed that the only service was to pay my mortgage. 
I was never informed prior to the sale of my mortgage to Fifth Third, that these services would not follow my original mortgage. This is my formal complaint. This appears to be a violation of the Federal Trade Act.