davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit reports, ive noticed many random inquiries and have been trying to get them removed and am getting no luck but have submitted the following to XXXX and have attached that report for further review. I would really like to get all thes hard inquiries removed from my credit report as soon as possible. 

Fraudulent inquiries reported : 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 2023-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (WA)

The company claims I owe an apartment complex nearly {$3000.00} when I asked them for a breakdown or proof of why they are attempting to collect this debt, and for them to properly verify this is for me. They said they can't pull up any information. I called the phone number provided many times over the years as this has been haunting my credit score, and even the apartments listed on my credit report as IQ international data, seem to have no idea why I have this negative balance on my credit file as they do not see anything on their end. They just claim I owe them nearly XXXX dollars and theres nothing they can tell me other than that. 
I do not agree to pay this for I do not feel I owe anyone anything without a reason. 
Please help me clear this off my XXXX reports..
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

I made a purchase at bestbuy with a promotion for 24mo no interest with bestbuy credit card. The promotion was expired at XX/XX/year> that I need to pay full amount to avoid interest. I paid it off XX/XX/year>. However, Best buy count my payment toward to another purchase that is under the promotion expire at XX/XX/year>, which cause the bank charge me {$3100.00} of interest that I shouldn't pay. There is no reason I paid off the one expire on XXXX but not paying the one expire at XXXX. I call the bank and the supervisor told me that she is unable to revert the interest, which is ridiculous to me as it is completely their fault. They force me to pay the interest of {$3100.00}.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XXXX XX/XX/2023 I attempted to make a domestic transfer to my account at another bank XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ). The size of the transaction required the use of a XXXX XXXX, which I posses and used. For some reason - not yet established - the final step after using the code of the XXXX  crashed at " processing '' stage. 
I reached out to customer service by telephone and on XXXX multiple times since then, explaining the funds were required by XXXX XXXX. 
Multiple interactions have failed to have me connected with a technical person who could possibly determine the problem- I am always fobbed off with 'I am raising a ticket, someone will contact you within 5 business days '. To date, nobody has, and I am losing the use of my own funds. 
Is Bank of America unable to pay back deposits at present? 
I even bought a new XXXX and tried different computers, but nothing works, and the Bank shows no interest in speedily solving this problem. 
XXXX my phone is a cellphone in XXXX. The account is in the name of an LLC which I control.
Consumer complaint received 2024-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION (GA)

Dear Sallie Mae, I'm writing to you with a heavy XXXX, still reeling from the sudden loss of my beloved grandson, XXXX XXXX. Just XXXX months after we paid off his student loans in full, he was taken from us far too soon. As his co-signer, an arrangement between my grandson and myself was implemented as he was employed within his field of study. The plan was that he would assist in monthly re-pay installments if I agreed to re-finance my home mortgage to pay off his student loan debts in the amount of {$170000.00}, in XX/XX/2023. It was a sacrifice we made with love and hope for his future, but little did we know that fate had other plans. 

As we navigate this devastating loss, I'm not just asking for a refund of the loan amount, but for your compassion and understanding. XXXX 's passing has left our family in a state of grief and financial uncertainty. My husband and I are now XXXX and XXXX XXXX XXXX, respectively, and are struggling to make ends meet. The burden of recouping these losses would be crushing. 

I implore you to consider the extraordinary circumstances surrounding XXXX 's death and our situation as a family. We've already endured so much pain and sacrifice to ensure his education was paid off. Now, we're left with the weight of this unexpected loss and the financial strain that comes with it. 

I understand that Sallie Mae has guidelines in place for death discharges, I'm begging you to consider our story and the human impact of this tragedy. XXXX 's life was cut short, and his memory should be cherished, not weighed down by the financial burdens we're now facing. 

Please, I beg you, consider our request for a refund or any other possible alternatives that can alleviate our financial burden. I'm begging you, please consider our request with an XXXX XXXX and mind. We've already lost so much - we've lost our beloved grandson, we've lost our peace of mind - and now we're facing financial uncertainty. I'm asking you to show us compassion, empathy, and understanding. 


Thank you for taking the time to read our story. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (MN)

I am a multiple year customer and a good one with US Bank. 

I was attempting to purchase a car and placed a XXXX check drawn on XXXX XXXX XXXX from XXXX XXXX XXXX into my account. This was a certified check. The teller told me the funds would be available that day, instantly. Instead of depositing the check immediately, the teller waited until after XXXXXXXX XXXX  to finalize, or something along these lines. None the less I thought the money was in my account. It was not. 

When I called in to figure out what was going on the agent told me that they placed a hold on the check for 9 days and that I was a high risk customer. When I inquired why that would be, she changed the subject and then eventually disconnected the call. When I called back I was told that they were sorry but there was nothing they could do and that's the policy. SO my payment to the auto dealership was returned and reported to XXXX as a bad check. The bank also refuses to remove the XXXX fee. I did not write a bad check and due to this I have now lost the car I was going to buy as the dealership will not do business with me. 

This is a huge issue for me and not only am I now DAMAGED emotionally, I also have no car and no way to get to work to make a living. I will be suing unless US Bank will pay damages. I will also be forwarding this to the local media as well as making the BIGGEST stink in the world about it as is my prerogative. Legal discovery will commence as soon as this

has been filed with the CFPB. Your teller lied to me and now I have no car, fees, and I may lose my employment. All due to US Bank.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

My checking account was closed by Chase on XX/XX/XXXX, I went to the branch and asked one of the banker. He told me the refund would be issued within 10 business days. But it has been more than 30 business days, and I still receive nothing in my mail box. 

I'm totaly fine with the account closing stuff, and I gave the 10 business days they claimed that they needed. Yet the check was still not issued. I've been lending money from my friends since that account was the only account I have, and the money in it was the only money I have. The extended time was really causing me tons of trouble, and brought many inconvinience in my life, I can't even affort for the XXXX XXXX  XXXX fee. Everyday I am worried and anxious about when can I get the money and pay for my " loans '', that really damaged my emotion status. 

I will take no excuse for Chase to still holding my money. I already gave them the 10 business days they told me at the first place, and they can't just change their words every time. Chase Bank is holding my money in hostage without explaination, this is conversion/theft considering how much profit they'd be making if they hold 1000 consumers accounts like mine in hostage!!
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

On XX/XX/XXXX at approximately XXXX XXXX  XXXX, I contacted Jefferson Capital Systems , LLC in regards to the debt from a XXXX account. I have not had XXXX in over 6 years and now Jefferson Capital Systems decided to buy it out on XX/XX/XXXX so showing as it is a brand new account. They were able to verbally inform me that I have not had XXXX since XXXX and that is when their account was opened, however, they informed me they were unable to provide me with any documentation showing me that, as I would need to contact XXXX. 

I contacted XXXX ( which is now XXXX ) on multiple occasions via chat, in-person at a retail store, or via phone. I have been told by every representative I have spoken with that they were unable to provide me with any documents and were not able to see my XXXX account due to XXXX now being non-existent or the account being too old and closed for several years now. 

I have an issue with not being able to receive any supporting documents regarding having XXXX since XXXX, yet they are claiming all of this information on my credit report. This has now caused me not to be able to receive a student loan to finish my Master 's degree due to it stating it is a brand new account and not over XXXX XXXX XXXX. I even tried gathering documents for school purposes to show this account has been closed since XXXX and they would not even provide me any supporting documents. How is Jefferson Capital Systems gathering all of this information, yet when I call XXXX, I am being told they can not gather any of my account information due to XXXX no longer being existent since they merged in XXXX or the account has been closed for several years now? 

I do not believe it is fair enough to have this on my credit report when this happened over 6 years ago and now all of a sudden a debt collector comes in and reported it as it just opened, when that is not the case. Jefferson Capital Systems is also refusing to provide me with any documents. Again, which has now caused me to not being able to continue my education until this matter is fixed.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase Bank in XXXXXXXX  XXXX  to cash my payroll check from my employers account there. I submitted my drivers license and my social security card as two forms of ID. The teller advised there would be a XXXX dollar fee. She asked me to sign the back of the check then she stamped it and put through the machine. After a few minutes she excused herself saying that she had to get an override. She came back several minutes later and explained there was no available to do the override and my two choices were to take a seat and wait or come back tomorrow. By this time it was after XXXX. I stated that since she stamped my check it won't be accepted at a check cashing service so took a seat and waited about XXXX minutes. Then a man approached me and asked me if I spoke to my employer, who I was already on the phone with. The bank would not disclose why they rejected the check so I confirmed with my employer that funds were available and there should be no problem so the bank guy told me to get back in line and try cashing the check again. Again they said they couldn't cash it and to come back tomorrow! My employer ended up having to wire my paycheck to my banking account which won't post until Monday morning. I want to know for what reason they did this. I am now late on my car payment and other obligations that will result in late fees and I want to know why this happend.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (CA)

I have an own known account in my credit from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX XXXXn my name before. I was not contacted about the debt from the creditor. I just happened to view my credit and saw it. I have reached to them via mail and have not received a response. I also filed a complaint with the XXXX  and the XXXX. In addition, I do have a police report on file with my local police department. I am requesting the fraudulent account/dats be removed immediately.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

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.

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 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 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

Hello my name is XXXX XXXX On or around XX/XX/XXXX I opened up a business account with Chase and my funds are being held for no real explanation. Your employees are telling me that they can not verify my funds through XXXX XXXX XXXX who has been around and open for decades.. XXXX XXXX  issued my company XXXX XXXX XXXX a check for {$1100.00}. I opened up a business account with that check with Chase. Chase is suspended my account and closed it amd told me they will be sending me a cashiers check with the remaining funds with no explanation why. So today I called for in update, and are holding my funds hostage because they are saying they cant reach XXXX XXXXt to verify when I gave them three advancement and I have spoken with XXXX XXXX  five times today about this matter. XXXX XXXX says Chase has not contacted them about this matter and the funds have been cashed. at this point, I need to speak to someone important, someone thats in charge of this because this is not good business. I have received checks from XXXX XXXX  before and never had a problem cashing it with another bank until I changed banks and made chase my new bank. I guess I was wrong about you guys being a better bank to conduct my business with. You employees are saying they are going to hold my money for two years and I wont be able to get it back. I dont understand how this is fair when XXXX XXXX  has told me that my check was cashed. You cant just hold someones funds? XXXX an someone please contact me at XXXX or XXXX XXXX XXXX  at XXXX ( XXXX ) XXXX. I will be filing a Complaint with the Consumer Financial Protection Bureau if XXXX cant get this matter resolved. 
Sent from my XXXX to chase.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

deposited a check to chase bank. they froze my account closed it.. telling me they could not validate check with the business phone number on the check in their database. 
they will not release the funds in the amount of {$5200.00} till i supply them with a valid number that appears in their system. but the check is valid the check was issued by XXXXXXXX XXXX XXXX XXXX XXXX florida through a XXXX bank in IL i spoke to an associate at XXXX bank named XXXX XXXX XXXX who was able to validate the business with me but chase will not call the bank the phone number on the check is XXXX the check number XXXX issued XX/XX/year> from acct ending in XXXX routing number XXXX chase originally told i had to come into the branch with two valid ids then id fo in theyd tell me i had to call a number id call they tell me i have to go into a branch then started with the excuse they couldnt validate the number then they did but still decided they were closing the account and would mail me a check between XXXX business days so i waited but never received when i started calling them back they gave me the same run around i went into the branch they said theyd mail the check in 7 days this time but theyd review to ensure the check wasnt cashed then i get a call that i have to call a number i get the number to chase and again they couldnt validate the business number to the check maker. the number. is valid its just not showing up in their data base and they dont call to validate over the phone.. they just go by a database of business numbers that is clearly not up to date and or in accurate
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CA)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1994 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
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)

XXXX XXXX-debt collector Original creditor- XXXX XXXX Amount- {$2400.00} XXXX XXXX is stating that this account was opened in XX/XX/XXXX but It was in fact opened in the year XXXX. Which makes it over XXXX XXXX XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.