davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (TX)

This is my several complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

On Monday XX/XX/2024 I received an email from JP Morgan Chase Bank stating " We sent your wire transfer '' of USD XXXX, I called the bank on the spot to freeze my account and to inform them that it is a fraud and to stop the wire, while on the phone another wire of USD XXXX went through. The money went to XXXX XXXX XXXX  in Delaware benificiary XXXX XXXX. I asked Chase to refund me because they are unauthorised but the answer was an investigation shoul be done and got a Claim # XXXX and Case # XXXX, XXXX. I called Chase several times with the answer that XXXX XXXX is unable to transfer the money back. 
I complained to my local Police and got a report # XXXX Thank you so much. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From on or around XX/XX/XXXX I had money that was suppose to be relief to me taken from me up until the middle of XXXX from a prepaid Bank of America card. I dont understand how Bank of America let someone who is not me take XXXX dollars over a period of almost 2 years. How is that even possible? Do they not ask for a picture id I just dont understand. Ive filed a claim to get my money back but there taking there sweet time when it should be a no brainer. 2 YEARS SOMEONE WAS TAKING MONEY THAT WAS MINE & THAT I DESPERATELY NEEDED. The proof is everywhere. I never authorized any transaction. You mean to tell me the Bank of America let someone fraudulently complete XXXX Transactions of money that was suppose to be mine. HOW? Do they not ask them to come in? yet everytime I call just to check the status of the claim I filed I always have to come in to prove my indentey what a JOKE!! can someone please help me ASAP Im currently in a serious financial hardship on verge of starvation and homelessness. 
XXXX XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX I mistakenly tried making a transfer to a relative through ally 's transfer system which doesn't allow transfers to accounts that aren't in your name. 

This got my online account and debit card blocked as it was flagged for fraud on XX/XX/XXXX. They sent me an email to call them to verify my identity which I did. 

From that date I have been calling daily, verifying my identity and answering all the questions. To this day they haven't reinstated access to my money and they refuse to give me an estimate time of when it will be resolved. 

I understand the antifraud system, and I welcome it but it taking so long it's unacceptable. I need my money to pay my bills
Consumer complaint received 2024-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

I had money sent to my via XXXX to an account with a positive balance. I sent that money over to my savings account and the next day ( XX/XX/XXXX ) my money was gone. I was told it was an error triggered by the system and that I would receive the money back into my checking account, which I recorded the conversation and confirmation of this just to be told the next day that everything is valid and that my money is gone because of negative account balance that was less than the amount I was sent via XXXX. My account balance was not negative and even if it was, there would still be a difference that I am owed which they refuse to acknowledge. Chase bank have done this to me before and I have evidence of them stating Id get my money back just to be told its gone the next day. Ive researched online and many people have had the same experience as me and its unacceptable. The least that can be done is to get my money back so I can close my account and bank elsewhere
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

This account was suppose to be fixed by the company. As they legally know they were not suppose to mark account as late. Very disappointed with Wells Fargo. Please fix by marking account as paid on-time never late or remove account from credit report.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (LA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC (FL)

I have been using Uprova to get by for a while until I file for bankruptcy. Often I pay the loan back early and sometimes take a new one for a larger amount. 

I've never missed a payment on XXXX of their loans. They always advertise the ability to reapply for a new loan once I pay off the old XXXX. While approval isn't guaranteed, one would reasonably assume that previous approval on XXXX or more occasions, and my credit score going up wouldn't result in an abrupt change. 

I paid off the loan today in a single payment of about {$1500.00}, and once paid off, was told I could apply for up to {$2500.00}. I applied for {$1600.00}, and for the first time ever, was blanket denied... told I could have nothing. 

The reason given was number of credit inquiries, which is patent nonsense ... .these are predatory loans for people without many other options, and I had XXXX new credit inquiry recently - that's it. My credit score also went up XXXX points. 

I believe there is actually an ulterior motive for the denial - because I've frequently paid off my loans early, they've lost out on potential interest. So they no longer have Interest in providing a loan.
Consumer complaint received 2024-05-29
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, XXXX and Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX Account # XXXX Open XX/XX/year>
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received a noticed from XXXX XXXX XXXX ( Reference Number : XXXX ), stating that they are trying to collect a debt for XXXX XXXX XXXX XXXX with the original creditor listed as Household Bank from XXXX of 2007. I contacted the original Household Bank and they told me that they do not have anything listed with my name and social listed on it, their records were transferred to XXXX XXXX. I called XXXX XXXX, who said that they also have no record of any debt under my name and social from 2007.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (TN)

Ally Financial continually calls both myself and my husband looking for his ex wife. We have told them numerous times that he has been divorced from her for over XXXX  years, and I have never met her. I have asked that they remove both my phone and his phone number, to which they have refused stating she is behind on her car loan and apparently its up to us to find her for them to have her make it right. This happens at least daily- and it does not matter the day or time. This is harassment and I would appreciate it if the calls would stop. Contacting people that arent related to this person and are in a completely different state should be illegal!
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to bring to your attention an unfortunate incident that has caused me significant distress and inconvenience. On XX/XX/2024 there was an error in debiting my bank account by your company in the amount of {$870.00} This error has resulted in considerable financial strain and emotional turmoil for me. The bank debited my account for a claim they never paid me for
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (OH)

on XX/XX/year>, Ally financial took out XXXX payments of {$190.00} and then caused my checking account to be overdrawn {$270.00}. 

I would not complain but this has happen in the past with ally financial shortly after accepting the loan. 

couple months ago I had money problems did not have the money in my checking and they made me go through XXXX XXXX to send payments to them.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one, I not sure witch company, XXXX  or capital one is reporting this information incorrectly, but on this particular account the monthly balances are the exact the ssme and there showing some payments not all of them the length of time me having its tottay wrong payment are missing I received the account, its almost like threre trying to rouing my life furthermore under the fair credit act i never agreed or signed a disclaimer to give out my information!! Can ths please be resolved immediately it is stopping me employment, transportation.andetc
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been unsuccessful in my attempts to be provided validation in connection with accounts listed on my credit report : XXXX. XXXX XXXX XXXX  {$2600.00} XXXX. XXXX XXXX XXXX XXXX {$570.00}. 

There are duplicate entries on XXXX report XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

There are duplicate entries on Equifax XXXX. XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX for XXXX sent correspondence in response to the validation request reporting a court-awarded judgment.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NM XXXX Incorrect XXXX : - XX/XX/1991 Incorrect Name : - XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Juno ( CapitalJ Inc. ) regarding their role in denying me access to my funds totaling {$1600.00}, which are stated to be held with XXXX XXXX XXXX XXXX  in a checking account ending in XXXX. This issue has persisted since at least XX/XX/XXXX, when Juno canceled two bill pay debit card transactions and subsequently canceled an ACH withdrawal. 

Upon questioning Juno about these incidents, their response was : " As of now, XXXX XXXX XXXX XXXX  has frozen all card payments. This is out of our direct control, but we are doing everything we can 24/7 to help unfreeze card processing. We are in contact with XXXX XXXX regulator, The Federal Reserve Bank XXXX XXXX XXXX, and are doing everything we can to get cards activated as soon as possible. '' Additionally, Juno stated : " The disruptions are due to issues with our banking services provider, XXXXXXXX XXXX XXXX XXXX. Juno is not responsible for the disruptions. We are closely collaborating with XXXXXXXX XXXX XXXX XXXX and our brokerage partner, XXXX XXXX XXXX, to resume normal service operations. '' I subsequently contacted XXXX XXXX who informed me that several months ago, their relationship with XXXX ended, and all accounts were transitioned to XXXX XXXX. They advised me to contact XXXX directly. 

As a customer, I find myself caught in a loop of blame-shifting between Juno, XXXXXXXX XXXX XXXX and XXXX XXXX. Despite this, my account was created with Juno, and I entrusted Juno with my funds. Therefore, Juno should be responsible to me as their end user. 

The freezing of my primary bill pay account has caused significant hardships and inconveniences. However, I am aware that detailing these would likely not impact the outcome, as it seems clear that none of the involved parties are prioritizing the resolution of this issue. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Juno ( CapitalJ Inc. ) takes responsibility for providing me access to my funds promptly. This situation is unacceptable and has caused considerable stress and financial difficulty. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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 2024-09-11
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. (CO)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My mobile park lot was denied from false allegations that was typed by XXXX that doesnt match on what it says on my transunion report. My credit score XXXX. and seem to not understand i was not approved. i am currently in the process of closing and this is the only thing that is holding me up. on their website XXXX. they suppose to support their XXXX XXXX as well stating thank you heroes. this is how they thank their XXXX XXXXr by denying me forgering a document to denied me entry onto the lot. i also have a XXXX son i want to give a good life for. that i also have written documents as well. they as in XXXX XXXX have said it was a background check that turned into a credit check denied ( which i have proof threw an email ) on the phone it have said to me and threw an email that was given to myself and to my union lawyer. false allegations just to deny their XXXX XXXX  is uncalled for and unfair. i have the document which states the false allegations towards myself in this compliant report attachment. see attachment. i have called the fraud department my reference # XXXX i have spoken to XXXX in the fraud department.
Consumer complaint received 2024-05-23
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. (NC)

I am writing to file a complaint against the XXXX major credit reporting agencies : XXXX, XXXX, and TransUnion. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action. 
Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts, re-aged accounts, and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner.

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections.

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA.

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-05-23
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/year> XXXX  XXXX Balance XXXX {$280.00} XXXX XXXX XX/XX/year>