davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: JPMORGAN CHASE & CO. (NJ)

I ( merchant ) used the Chase quick accept tool to accept 5 {$100.00} visa prepaid cards. J.P. Morgan uses we pay to facilitate the transactions. It says in the documentation that I should receive the funds the same business day however that didnt happen. I called the next day to ask for a status and they said that sometimes it can take up to 5 days if they investigate. On my chase app the charge showed as Completed. A few days later i was told that my merchant account is closed and they are holding the funds And will POSSIBLY release them in 120 days. They will not give any explanation. I went to my local chase branch and spoke to my banker and they wouldnt provide him with any information either. So now chase is holding the funds minus the service fee for 120 days or forever. I have never heard of such a thing. I registered the gift cards online when i received them and they cleared without issue. They offer me the ability to refund the payee and I request that and this was the email. 

Thank you for the response and feedback. 

We apologize for the inconvenience, but we're no longer able to process payments for your account. 

We're held to strict guidelines on what we can and can not process through our site. After a standard review of your account, our Trust and Safety team has determined that we will not be able to provide you with our services.

All information regarding our review process is proprietary, so no additional information is available in these instances.

We apologize for any inconvenience this may have caused.

You may appeal this decision at any time by sending an email to XXXX. 

More about Merchant Appeals can also be reviewed via our Knowledge Base article below : https : XXXX Please advise if you would like us to refund the payments back to the payers instead of waiting 120 days. 

We wish you the best moving forward. 

Kindest regards, Yes please refund the payers. 

XXXX XXXX XXXX XXXX XXXX, Thank you for your response. 

I have submitted your refund request to our Trust and Safety for further review. That review can take up to 5 full days to be completed.

Should Trust and Safety need additional information from you, they will surely reach out directly via email. 

Once the review is completed, your refund requests will be processed. 

Please let us know if you have any further questions in the meantime. 

Thank you for your patience Kindest regards, Hello, Thank you for your patience in this matter. 

We apologize, however the funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from closure date. 

We sincerely apologize for the inconvenience this has caused. 



I have no access to the merchant services applications at all now. As a brand new business I dont have the extra money and cant loose {$500.00}. Now with that being gone the product that i purchased using the credit card can not be paid for in turn effecting my credit.
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (OH)

On XX/XX/23 at my restaurant my employee keyed in a transaction for XXXX in error. The correct amount was supposed to be for XXXX plus tip. The transaction was processed and the cardholder was assessed the charge for XXXX. The cardholder then disputed the transaction and was awarded the refund. The problem is the transaction fees that were paid to Elavon were not returned the the merchant ( XXXX XXXX XXXX of XXXX XXXX ) the fees totaled XXXX dollars for the month and shouldve been around XXXX dollars. When he reached out to Elavon they said they couldnt give him a refund because the money was already sent to visa and they would not be able to dispute despite the amount they were charged being incorrect.
Consumer complaint received 2023-10-17
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: OneMain Finance Corporation (GA)

i have called this company several times ( XXXX ) about the loan that was open when i locked i was locked up in jail from XX/XX/XXXX till XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TMX Finance LLC (GA)

Title pawn issued by XXXX XXXX, who does not hold a license issued by the XXXX XXXX XXXX XXXX XXXX XXXX 
No disclosures provided as required by TILA, even after I requested Loan agreement did not contain following disclosure as required by Ga law. The loan agreement shall contain the following notice in at least 12 point type immediately above the borrower 's signature : 'NOTICE This is a motor vehicle title loan agreement. It allows you to receive loan proceeds to meet your immediate cash needs. It is not intended to meet your long-term financial needs When using this loan, you should request the minimum amount required to meet your immediate needs and you should repay the loan as quickly as possible to reduce the amount of interest you are charged. You will be required to pay the principal and interest on the loan in substantially equal monthly installments. You should try to pay even more toward your principal balance each month. Doing so will save you money. You are pledging your motor vehicle as collateral for this loan. If you fail to repay the loan pursuant to this agreement, we may repossess your motor vehicle. Predatory Lending practices and violations of EFT by unlawfully providing a loan I did not request and depositing into my unsecure customer portal without my request, permission or knowledge, refused to withdraw upon my request. Upon notice of unauthorized withdraw from that portal on XX/XX/2022, has not concluded or resolved exceeding time allotted provded in the XXXX act, refused to return title after notified of right to rescind after disclosures were not provided in violation of TILA, refused to return title or void Contract or forfiet any funds related to contract as required by Georgia law. 7-3A-3.

87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4.

90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc. (TX)

I open an installment account with sunlit and I was not instructed properly about payments schedule and my mail got to me late and caused me to make a late payment I try to get it removed or work something out with the company after I made that mistake auto payments have stated and I have not made any late payments. I request that late payment to be removed since is affecting my credit tremendously and I am a single mother trying to get better housing for me and my kids but due to my credit score reporting a late payment been very difficult
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 this consumer sent a certified letter informng Equifax that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from Equifax requesting a copy of my identification and a copy of proof of m address! Equifax is stalling, while this company stalls my life is being negativly affected byt their false reporting!
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (ID)

I deposited a {$15000.00} cashier check drawn off XXXX XXXX XXXX XXXX XXXX in the ATM of Mountain America Credit Union on XX/XX/XXXX. Upon deposit {$1500.00} was released immediately. The remainder of the funds were released at midnight on XX/XX/XXXX. I used some of the released funds and in addition my paycheck was electronically deposited on XX/XX/XXXX. At approximately XXXX Mountain America fraud department called to inform me they put a new hold on my funds. They said this was due to a lot of fraud and they felt the check looked suspicious. I expressed to them in multiple phone calls to multiple representatives that they now have taken all my funds including my paycheck and have left me with no money. I am an over the road truck driver and am stranded now with no access to money. With the new hold of the entire check my account is now overdrawn by {$7800.00}. Due to the fact that I had already paid bills with the released funds. Theses funds should have been easy to verify as it is a Bank Cashier Check. They have had 4 business days to verify this check. They will not give me a date for release, but said it's could take as long as XX/XX/XXXX. That would be a total of 11 business days after deposit. This is excessive to verify a Bank issued cashiers check, and well outside thier normal release policy.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems Inc claims that I have XXXX XXXX XXXX XXXX account with an invoice number and I owe them {$290.00}. I have no idea what they are referring to. I never signed up for a corporate account with XXXX.
Consumer complaint received 2023-10-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I am writing to formally dispute an erroneous entry on my credit report, which has been reported by Credit Collection. According to my credit report, there is an outstanding debt of {$86.00} associated with my name. I would like to bring to your attention that I have never had any business dealings with Credit Collection, and this account does not belong to me. This incorrect reporting has negatively impacted my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to rectify this situation in accordance with the FCRA guidelines.

I hereby demand the following actions be taken within three ( 3 ) business days from the date of this letter : I request that the erroneous account be removed from my credit report promptly. Please notify all credit reporting agencies to delete this inaccurate information. Provide legal proof that I have entered into a business relationship with Credit Collection. This may include contracts, signed agreements, or any other relevant documentation substantiating the validity of this alleged debt. 

Failure to comply with this request within the stipulated time frame will leave me with no option but to escalate this matter. I am fully prepared to take legal action in my local small claims court to seek damages for the harm caused to my creditworthiness and any associated costs incurred due to this error. I have also kept a record of all correspondence related to this matter, including this letter. Please consider this letter as a formal notice under the FCRA, and provide me with written confirmation once the erroneous entry has been removed from my credit report. 

I kindly request that you treat this matter with the utmost urgency and provide me with a timely resolution. I have attached my police report to this letter, I am demanding that you remove this account from my credit report as soon as possible.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX ASSOCIATES IN Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX OF XXXX XX/XX/year> According to XXXX XXXX XXXX ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Payfare International Inc. (NV)

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XXXX made fraudulent transactions on my account. I disputed them and XXXX put the money on my account took it off and is withholding it the representatives will not listen or help me I filed a police report and sent it in with other proof they cancelled my card and issued me a new one and still will not give me my money back
Consumer complaint received 2023-10-17
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. (AZ)

To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc. (ID)

Card information was stolen and used. I filed a claim and some of the money was returned however they needed to " escalate '' my claim because there was some very weird charges like to pay taxes etc. that wasn't mine and I can not get a return call or answers. Also, One of the places that was card was fraudulently used agreed it was fraud and credited back my canceled card but the prepaid card company says I can not access that money because the card was canceled and they could not issue me a check for that money or transfer it to my replacement card that they issued me and that I could not claim that money. Fraudulent charges were from XXXX. I have attempted to request for a supervisor to contact me and have talked to the risk management department for the prepaid company. I have also spoken to many consumers that have had similar experiences with the same prepaid company. Perhaps this needs to be investigated further i.e. class action lawsuit.
Consumer complaint received 2023-10-17
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 ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX By using unfair trade practices XXXX XXXX XXXX car dealer sold my wife and I a lemon car which was unsafe to drive. Which almost led to the car accident my due to a complete transmission failure only 3 days after purchase. Secure one warranty company, whos contract car dealer forced me to purchased stating that its included with a car loan additionally for XXXX $ lied to my me and my wife over the phone by misleading and misrepresenting the contract formulation. Which had wasted us 2 whole weeks that car spent in a workshop recommended by the warranty company only to find out that XXXX XXXX is refusing to pay or fix anything. Car dealers website also were advertising that cars come with their 90 days warranty, which also was a complete lie. Car Dealer retrieved the vehicle from XXXX car shop at the end of XXXX telling us that they will do all repairs themselves and we didnt hear from them since. 

Westlake Financial and XXXX  XXXX warranty company and the car dealer put my family into financial burden and crisis. Im paying car loan, car insurance, XXXX rides to and from work. 
My transportation expenses exceed XXXX $ a month, my credit rating is dropping lower and lower, this is the worst car buying experience in my life. I still dont posses the car I purchased 4 moths ago. My wife and I barely was able to cover the rent last month and almost got evicted. Which would put us on the street with no car or any help. Our life turned to a XXXX XXXXXXXX. We were more than patient and understanding, my wifes health is declining now after all of these stress and shock, medical bills are adding up more and more. 
2 weeks ago I received a notice via mail from Westlake Financial ( dated 2 days after car sale ) that Warranty contract and GAP insurance were added to the car loan amount financed but were not included in the contract item list. In addition, car dealer made us sign separate agreement for a differed down payment with completely different company name, telling finance company that they received XXXX $ from us as down payment, no such agreement were included in the contract as well. 
Westlake Finance has no interest of helping me with the crisis they put me through, they only expect on time payments. Car dealer didnt contact me back for almost 2 months now, attempts to reach out to the dealer were unsuccessful.

I have a strong feeling that Im being scammed by the car dealer, finance and warranty companies using unfair trading practices, predatory landing and financial schemes. I ask for your help and guidance to restore my rights and protect my family and my familys credit.