davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
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: BARCLAYS BANK DELAWARE (CT)

Starting on XX/XX/year>, I was fraudulently charged by a merchant named XXXX XXXX XXXX XXXX XXXX XXXX I initially purchased a software package for {$1.00}, but I was charged {$56.00} without my authorization. Following this, I was charged twice per month for varying amounts : {$19.00} and {$98.00}, on the same day each month. These unauthorized charges continued on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not agree to any of these recurring charges beyond the initial {$1.00} offer. I did not receive the " {$1.00} '' software package, and I was never charged {$1.00}. 

I have contacted the merchant multiple times via email and phone but have received no response. They provided my credit card company, Barclays, with fake documentation, including a fabricated Terms of Service and refund policy, which I can prove through screenshots showing the URLs provided by the merchant lead to 404 errors ( pages that dont exist ). Additionally, they have not provided any valid proof of authorization for these recurring charges. 

I filed disputes with Barclays three times, but they have sided with the merchant each time, despite the clear evidence of unauthorized charges and the fabricated documentation. I have also submitted complaints to the Wyoming Attorney General 's office about this merchant. 

I request that all these unauthorized charges be removed from my account and that Barclays conduct a thorough investigation.
Consumer complaint received 2024-07-22
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: FactorTrust, Inc. (WA)

I am a survivor of debt bondage, a form of human trafficking where I was coerced into accumulating debts. This situation has left derogatory marks on my credit report. I am currently receiving assistance from a representative at the XXXX XXXX, a dedicated organization for human trafficking survivors. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to trafficking upon filing an official claim.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

my identity was stolen and someone got a hold of my PayPal account and used my account to make unauthorized purchases. As a result of this there was a negative balance of {$1000.00} in my PayPal account and multiple other transactions. I call and informed PayPal of this over 3months ago and it still hasn't been resolved, now they fully locked my account and sent it to a collections agency. I have been calling all day to try and fix this issue and they just keep transferring my around to different department, I have talked to the collections agency, the PayPal credit dept. and many other department but no one is doing anything, I even requested to speak to a supervisor and they told me a supervisor will give me a call back today and im still waiting on the call. They have not even informed me of the results of my fraud claim or given me any updates. This is beyond ridiculous I have never seen nothing like it, horrible customer service, they are either misinformed and dont not what their doing or just transfer you to another department just to get transferred back somewhere else.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

In XX/XX/2024, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/2024, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/2024, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX  They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already disputed this with the other two bureaus and they promptly removed the account. TransUnion appears to be ignoring my requests. This company is intentionally reporting both my status and payment history inaccurately, so that it keeps my payment history 30-60 days late and will never allow my score to improve. They have gotten their collateral back, voluntarily I might add, so this should be marked as a closed account and/or a voluntary repossession. Not an open and delinquent account. This is purely unethical and very bad business practice.
Consumer complaint received 2024-07-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (TX)

Untimely Default failed to Respond to qwr Acceleration and foreclosure Referral - failed to provide even info they promised sent substitution of trustee sale with illegal lawyer and improper form conflict of interests deceptive and wont reveal that there are no beneficial owners and that they are making a false claim on a time barred debt which i have tried to settle many times since being accelerateed when current and my payments were never credited, then XXXX transfers, all was witnessed by XXXX now, Transferred to nationstar when i asked boa and sps who they were from finding a deed of trust to nationstar which was placed 11 months after XXXX  transferred and was met with a transfer to nationstar, first assignment was placed not to secure any injury to trust but to come after me specifically and placed after this fund had revoked registration by sec, and paid all holders from future losses there is a greater risk to anyone serviced by nationstar from the forclosure era and financial crisis era we are the unprotected unsettled victims
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chime Financial Inc (NV)

A Food stamp, card was proceeseded to get food and drinkes. Business bank did not get the real, science data to procees an see fault of The accounting. There I did talk to run, of people working. An " none would see, " truth of the purchases through not a Chime bank card. More than XXXX was purchaseded then through an other, in. XXXX. I got XXXX placeded through a credit bureau. 

The other, in XXXX occurded through E-mail and Phone Call. Business bank does fraudeleant, tactics to use for The future of there an business to create, creditor procees an problemes for me through XXXX credit bureau to gain, more through otheres. There an again, XXXX dollaeres was reporteded. Then to XXXX  credit bureau was a negative, mark through My credit, file. XXXX through XXXX was a to do for the scenerio of the action.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/year>2024 I attempted to withdraw {$1000.00} from my Ally Checking account at a XXXX XXXX ATM ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA ). The ATM displayed an error, " We can not help you at this time '' and did not disburse the cash. I tried another XXXX XXXX ATM and the same error was displayed. 
The next day I saw that the {$1000.00} charge was on my account and lodged a complaint with Ally Bank. 

On XX/XX/XXXX, Ally informed me that 'The merchant provided documentation that shows the transaction was authorized ' and that they were not refunding the {$1000.00} ( {$1000.00} with bank fee ).
Consumer complaint received 2024-07-01
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Since we opened the account, every large amount of check has been put on a XXXX day hold. They claim the hold is done randomly ; however, they have done it with every check for the entire time we opened the account. They then give the check an additional hold after XXXX business days and say it is random for every check we deposit. They held a cashier 's check on a XXXX day hold after telling us it would go on after XXXX business day because it was a secure deposit. We then call and get the run around that it's random and nothing can be done. We ask other Chase customers in our area who are doing similar business, and they tell us it never happens to them. We called Chase, and they mandated that we get the customer who paid us on the phone so that they could verify the check from them. So, every check we deposit over a certain amount to run a business account is held. Then we have to get the customer to verify us with Chase because Chase thinks every check we deposit is us committing bank fraud. Today, they are declining our business debit card as they believe it is fraudulent. We have been deeply affected by this. Our customers think we are untrustworthy because our bank does not trust us, but Chase has no problem trusting our customer 's verifications over the phone when they verify. They also have impacted our business function because we have to wait to complete our cabinet orders, which pushes our jobs out and creates a domino effect of loss of trust and lost profit due to funds not being available to pay bills on time and pay contractors and loss of jobs due to being stalled every single time by the chase. No one has a valid explanation. They repeat the same thing. It's random. It's part of our policies, and we apologize for the inconvenience. Nothing else can be done. 
Meanwhile, you just gave a bunch of regular account holders XXXX advances on personal accounts and didn't put a hold on their funds that they didn't even have. It's impossible not to feel like we are being racially profiled because we are a minority-run small business when every single transaction is randomly put on a XXXX day hold. How are we supposed to run a small business without the funds paid to us by our customers? This has had a financial and deeply emotional toll on our officers, and we feel like we can not get any resolution, empathy, or help from anyone at Chase. We need answers. The truth and chase should be sanctioned for discrimination for this.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (PA)

I am writing to raise a concerning issue about my credit report. I have discovered fraudulent accounts and inquiries that have been included on my credit history without my permission. These entries have inflicted considerable harm to my credit score and financial standing. 

To address this issue, I have disputed these entries with the relevant creditors, companies, and lenders. They have confirmed that the entries were not authorized by me. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) to report this incident of identity theft and have attached a copy for your reference. 

The existence of these fraudulent accounts and inquiries has had an adverse impact on my credit score, making it challenging for me to obtain credit and financial opportunities. This has caused significant distress and hardship for me and my family. 

I urge you to take swift action to remove these unauthorized and false entries from my credit report. Please prioritize the resolution of this matter, as the ongoing presence of these inaccuracies continues to harm me and my family.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/year> a check for {$15000.00} was deposited by XXXX XXXX ( located in XXXX NC ) through a third-party, XXXX. The check was approved and paid by Wells Fargo on XX/XX/year>. On XX/XX/year>, the exact same check was again submitted to Wells Fargo for payment. Wells Fargo approved and paid the check and a new {$15000.00} debit was charged to my account on XX/XX/year>. I contacted Wells Fargo and XXXX XXXX on the morning of XX/XX/year> to report the error. Since XX/XX/year>, I have made numerous calls to Wells Fargo to expedite the refund of my money with no satisfaction. Promises were made to refund the money, promises were made to expedite the claim on their end, although no action has occurred. On XX/XX/year>, XXXX ( the third party processor for XXXX XXXX ) confirmed they electronically transmitted the {$15000.00} replacement funds to correct the error of my check being submitted twice and paid twice by Wells Fargo XXXX After receiving this information, I again contacted Wells Fargo today to confirm the receipt of the XXXX refund and again requested an expeditious refund of my money. I was told no refund could be made at this time. I requested a name and phone number for a division executive, vice-president, anyone who would help with this matter and I was told there is no one with a direct line for consumers to contact for assistance. I have spoken with individuals at Wells Fargo from customer service, then the claims assistance center, and finally with a resolution XXXXpecialist within claims. The resolution specialist is the person who refused to provide contact information for anyone above his level.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

The company on several occasions has denied the use of my credit card until I respond to an email that the company sent to me asking if I approve the purchase. 

The company sends identical email verifications for purchases and returns.
Consumer complaint received 2024-05-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AR)

My card was stolen and charges were made fraudulently without my consent. I dont understand how my funds were stole, because I have a security PIN number that I never shared with anybody. The card company has blocked me from checking the update of my dispute, and my funds has not been recovered.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (WA)

THIS IS NOT A DUPLICATE! 

After a lot of research, I determine the issue and immediately sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a month or so ago. 

I paid the credit card off immediately. XXXX XXXX stated this will be removed from all XXXX l credit reporting agencies. I asked what XXXX will do on my credit report. Was told they will update my account as paid accordingly. I called & spoke to a rep about when they will update my account & have a satisfactory reporting as per my understanding. The rep was less than helpful & uncooperative saying I need to put in writing ; she cant tell me over the phone. However, I did send them a letter and as of today, they gave jut responded. Also, as of today, my credit report has not been updated. To say they are a XXXX chance card, this reps behavior was not displaying that. 

I can go into the logistics about what happened and the cross of communication and them not updating my information ; but now, my focus is on getting my reporting updated & correct. 

They are hindering me from accomplishing this.
Consumer complaint received 2024-09-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

This company calls consistently. I understand that my payment is late, I am very much aware but the excessively overwhelming phone calls are unnecessary. My cosigner also receive calls and we get emails. It is overbearing. As early in the morning to as late as they can they call and multiple times per day from different phone numbers.
Consumer complaint received 2024-07-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (VT)

This is a notice and request. 
First, Rushmore just inherited a loan that has numerous unresolved complaints. There is a noted dispute on the correct amount being reported. So I am not sure how that affects them other than they should be notified the loan they have may not reflect current/accurate financial history and billing. 
Second, From some of the outstanding issues, we are seeking their assistance in looking at the account history and identifying who from Rightpath Servicing was connecting with the case worker for the XXXX assistance program for the state of Vermont. She no longer works there and her information has been passed to a new rep, however, I would like to have a record of all the communications from RightPath to this individual. There should be MANY, since we were approved for this assistance and are under the impression that RightPath has intentionally delayed this transfer to bring the balance current in effort to collect on late payments and other additional costs. ONLY the records related to RIGHTPATH regarding COVID to the state of Vermont and their communications with her. No other information is being requests, and asked to leave out of this request. Please forward this information to : XXXX XXXX  XXXX, Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VT XXXX
Consumer complaint received 2024-05-21
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. (MI)

I was a victim of unauthorized inquiry reporting, and this is another request to remove the items from my credit file resulting from these unauthorized inquiries. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you must remove these items no later than 4 business days after XX/XX/XXXX. I have included this report in my previous complaint and am including it again. Additionally, the information you provided on these items is unknown to me and has been deleted from other bureaus, which leads me to question their accuracy : EXPERIAN : 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 XXXXXXXX : XXXX XXXX. This communication serves as your final warning. If you do not remove the listed items from my report, I will initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. Please remove the items resulting from unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX I have made a charge for a luggage at the XXXX counter in XXXX for my domestic leg XXXX XXXX ) flight. According to the Barclays XXXX XXXX XXXXredit card the first luggage on the domestic flight portion is free. At the XXXX desk I was told that the discount will come as credit from the Barclays Card directly. Unfortunately it didn't. 
On XX/XX/XXXX I called their XXXX based customer service and the agent was extremely rude and unprofessional. She not only would talk over me but attempted to reroute the call to the XXXX instead of disputing the transaction. She also indicated that the dispute term is only one billing cycle making me ineligible to dispute the purchase when it fact the federal law mandates at least 90 period for dispute resolution. Subsequently I requested to speak with the supervisor in the US however after a long hold I was told that nobody is available to speak to me. 

It is very disturbing that Barclays ' Card prevents its members from disputing the purchase and instead it wants them to deal with merchants directly. This is not what the federal legislation protecting customers dictates and it shows a very bad faith play by the bank.