davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

date : XX/XX/year> XXXX amount : {$7200.00} I deposited money ( {$7200.00} ) into my Chase account using an ATM but the ATM just ate my money and showed a white screen saying that there was a problem with the transaction. It never gave my money back and only gave me a receipt ( attached in the documents sections ) saying that " To be sure your deposit went through, please call us at XXXX. '' I went straight into the branch and addressed this issue and the person I spoke to just said I should call the number on the receipt because they can not deal with this issue. I came back home and called the number right away and filed a claim providing the details on the receipt and the Chase representative told me that they will investigate this and get back to me within 10 days. I received a letter yesterday that they have done research and on the letter it said : '' We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' but also that " No adjustment will be made to your account at this time. '' which seemed to be giving two opposite information. They say the transaction was processed/authorized but I was seeing no money added onto my account. So I called the customer service again today and they were saying that the claim actually got declined and the only thing they could do is to do another investigation. I was told that even if in the second review if they can't locate the fund then there's nothing they can do because only the back office and technician is in charge of this investigation and Chase themselves can take no other action on their discretion. This was problematic in two aspects. First, the amount that I deposited is not a small amount but how can they not locate this money. If they have done the investigation correctly, the difference they are seeing in the ATM should be apparent because it's such a large amount. Secondly, Chase representative was not able to resolve this issue making an excuse that this is dependent on the investigation result they get from the back office and technician and if the money is not found from there they there's nothing they can override. I am really bothered by this because the way they operate in how to locate such fund can not be an excuse to not being able to make any reimbursement when such incident has happened using Chase ATM. Even if the back office and technician can't locate the money ( which I really don't understand why they can't ) Chase should have my back protected and reimburse the money that I deposited. The money that I deposited is a really big amount for me and I meant to transfer it to a brokerage account for investment and thus I am eager to get my money back by raising this issue through the Consumer Financial Protection Bureau.
Consumer complaint received 2024-07-15
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (FL)

I was contacted by Ally collection department today, which is XXXX XX/XX/year> the agent whom I spoke with from the collections department attempted to collect the payment I had asked why hadnt I been contacted by the complaint that I filed for with the CFPB he told me that the complaint looks as if it was closed out on XX/XX/XXXX and it stated that it was completed. I have not received a letter and I have not spoken to anyone at the corporation as to how they were going to resolve the initial issue where they were sending me emails after a payment was already posted stating the payment hadnt been made, which prompted me to make additional payment which one of the payments would clear because I only had funding available for one and the other would come back is NSF, once the other came back more than once due to their negligence, they would close the account out and no longer allow me to make payments using the banking account. I have ran out of accounts to use because of their process and have asked that they add my banking account back so that I can make a payment without receiving a late fee was informed that this would happen on multiple occasions and it never happened which is causing me to collect assess of fees. Ive spoken to management and Ive spoken to about 16 agents nothing has been done.
Consumer complaint received 2024-07-07
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Payfare International Inc. (CA)

I made a purchase on XXXX for {$48.00} originally on XX/XX/year>, and when I saw that one of the items wasn't going to arrive before XXXX XXXX I canceled that item right away. the amount was then adjusted to {$25.00}. I then called XXXX customer service, and they said the authorization hold would go away after 10 day, and the money would be put back but it wasn't. I then called customer service again after the 10 days, and they said that the authorization hold was up, and that the funds should have been put back by the XXXX of XXXX. I then called the number on the back of my dasher direct card to get help, and I got the run around saying the money was there, but it never appeared back in my acct after that hold was adjusted.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (TX)

I've made multiple attempts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These inaccuracies have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Consumer complaint received 2024-07-18
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (IL)

Navient sent over the school misconduct application because the complaint sent said I meet the criteria to receive an application. After submitting information and evidence I am now being informed of my denial without facts or reasoning. Navient did not provide the specific criteria why I now don't receive a discharge or refund for school misconduct when I meet the criteria to receive an application. Please see below from Navient ; We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc. (VI)

XXXX XXXX reported a {$28000.00} debt to all three credit bureaus without providing written documentation or validation to verify the debt 's authenticity. Attempts to contact them via email at XXXX have been unsuccessful as the email is blocked. This inaccurate reporting has significantly impacted my credit scores adversely.
Consumer complaint received 2024-07-02
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Atlanticus Services Corporation (KY)

Their was a credit card account opened on XX/XX/year>. From XXXXfortiva in the amount of {$4000.00} with XXXX already used. Soon as I seen it I disputed the account I will call the company first thing in the morning as their close at the time of writing this.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (GA)

Hard inquiries are illegally being shared on my Consumer Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (GA)

Hard inquiries are showing on my Consumer Credit Report without my consent. This is causing harm to credit worthiness by violating my rights under 15 USC 1681 ( b ) 2 Permissible Purpose- any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ). in accordance with written instruction of the consumer to whom it relates, and also under 15 USC 6802 - Obligations with respect to disclosures ; a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt Out - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( B ) the consumer is give the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. I did not give XXXX XXXX, XXXX or XXXX ) permission to share my information, nor was I give the opportunity to OPT OUT of having my information shared with consumer reporting agencies. This is a clear violation of the rights and I have a right to my privacy.
Consumer complaint received 2019-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I bought tickets from a man who created a fake profile on XXXX, and was unable to cancel or get my transaction refunded by PayPal when I discovered the man was a fraud. Since he was a fraud, I did not receive the merchandise that I paid for. I contacted PayPal but they were unable to refund the purchase, even though I didn't receive anything. Not sure if there is anything that can be done, but the man who is practicing fraud is XXXX XXXX and his email is XXXX XXXX
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (AZ)

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

The bank I'm reporting on is First Citizen 's Bank  XXXX XXXX, NC, XXXX routing number XXXX. 
Our normal monthly mortgage payment of {$160000.00} was inadvertently drafted on XX/XX/XXXX, the same day as our {$210000.00} mortgage payoff amount. This was due to transaction timing, and while I don't have heartache with the extra {$16000.00} having been drafted, I DO have a problem with the fact that the statement reflects a refund on XX/XX/XXXX, but the refund was in the form of a check DATED XX/XX/XXXX, but not MAILED ( postmarked ) until XX/XX/XXXX. We did not receive the check until the following week, effectively giving the bank a nearly one-month float on the overpayment. 
Since we do our business banking with them and the {$16000.00} payment was electronically drafted, the bank could have processed the refund electronically the next business day. 
I wonder if this is a routine practice with First Citizen 's Bank. If so, then consumers are being unfairly denied access to their funds, and potentially lost interest. 
The fact that the check is dated XX/XX/XXXX, the day after the overpayment, by not mailed until XX/XX/XXXX makes it look like they are concealing something on their books.
Consumer complaint received 2024-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

A few weeks ago, the XXXX XXXX XXXXXXXX published an article about my student loan lender Navient, formerly XXXX XXXX. In a nutshell, XXXX XXXX XXXX and others had accused Navient of engaging in predatory and misleading lending practices. The article included included a link to an official form from Navient to apply for a discharge of your loans. After filling out the XXXX page form and pleading my case, I was denied. The response from Navient was this : " Your loan type does not meet the criteria for you to receive an application, because the funds were sent directly to you ( not your school ). '' My mother and I have been struggling with this loan for over a decade. The interest rate is oppressive and I would no have accepted this sum of money had I had any idea of the nature of the agreement I was entering. I believe I was duped into taking on his loan without the proper time to discuss the agreement with my family. I was XXXX XXXX XXXX at the time of signing this agreement with very little knowledge of the financial system. 

I would appreciate any help in this matter.
Consumer complaint received 2023-09-15
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. (TX)

I have alerted TransUnion repeatedly ( starting months ago ) about this fraudulent account with XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, Phone # ( XXXX ) XXXX. I have NEVER heard of this bank, lived in XXXX, nor opened an account with this bank. I have requested TransUnion and the XXXX XXXX XXXX  to submit me proof of their findings -- person ( s ) who provided confirmation of investigation with direct telephone number ( s ), original application with a wet signature, and other pertinent information provided. 
Today, I received a letter from TransUnion stating that they previously completed this investigation ( untrue ), while requesting documents ( letter from courthouse, billing statement, letter from IRS, and other items listed on their letter ) that I do not and would not have because this is NOT my account.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC (WI)

I called to pay they said they didnt have it went to another agency I asked for a recall letter showing no longer there they denied sending any letter I disputed with XXXX  and they verified I still owe but company still states they dont have the debt
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Foursight Holding LLC (IL)

My original car loan was with XXXX and the gap insurance was with XXXX. I refinanced the loan with Foursight Capitol and XXXX for gap insurance. XXXX paid to Foursight Capitol the amount of {$640.00} for gap insurance. Recently the auto was a total loss in an accident. XXXX paid the insured amount for the loss. Foursight Capitol claims there was no gap insurance. The amount of {$640.00} from XXXX was cashed and kept by Foursight Capitol. Foursight claims I have no gap insurance. I called Foursight on XXXX at XXXX for a management callback from XXXX. I called back at approx XXXX pm after no callback. I called Foursight back at XXXX after not receiving a callback and was assured I would receive a callback.I received no callback that day. I called Foursight again on XXXX. 

Foursight said a XXXX did not want to talk to me. I accessed the Foursight website on XXXX after the phone call. I left a message on their website stating I wanted a management callback. I received no response. I called Foursight back at appox XXXX and asked for a XXXX. I was told by the agent that a XXXX would not speak with me. I want to know what happened to the {$640.00} that was paid from XXXX and cashed and kept by Foursight Capitol. I can get no answer from Foresight Capitol.
Consumer complaint received 2024-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

XXXX XXXX reached out with a bill that I was not present nor did I sign anything with my name. XXXX XXXXXXXX XXXX. Again i was never their to sign paperwork or give my contact. However, This third party collection service Phoenix Financial Services sent mail to me. Informing that I owe {$520.00} for the date of service XX/XX/year>. Also Misspelled my name but they have the wrong person.