davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TomoCredit Inc. (MN)

In XX/XX/year>, my TOMO credit card was unexpectedly blocked. The credit line for this card is {$1000.00}, and it currently shows a credit balance of - {$1400.00}. This negative balance indicates that there was a refund of {$400.00} from a merchant, which means TOMO Credit owes me this amount. Despite this, I am unable to access or use my card. 
I have made numerous attempts to contact customer service department to resolve this issue, but I have been met with automatic replies that do not address my concerns or provide any solutions. The lack of effective customer service and communication is unacceptable. 
I urgently request the following actions : Immediate unblocking of my TOMO credit card so that I can use it again. 
Confirmation and processing of the {$400.00} refund that is owed to me. 
A direct response from a customer service representative to resolve this issue as soon as possible.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my third complaint against TransUnion and in each response they only show they are congenital liars. 

For over the past two months, I have been unable to get my TransUnion credit report via my paid {$14.00} a month TransUnion XXXX XXXX. For one month I had been unable to log in and they did correct that. But they have never corrected an issue that persist until even today : When I try to update my credit report via my paid TransUnion XXXX XXXX, it is never successful. When I click on " I Agree '', the progress wheel rotates for over 20 minutes but the report never materializes. However, if I pay them an extra {$30.00}, the report materializes immediately. 

If TransUnion can not fix this issue, I intend to file suit against them in XXXX XXXX XXXX XXXX w/o further notice. 

TransUnion must solve this issue.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

When adding a bank account to Venmo, you have to verify the bank account. Understandable. But you add money into my account PLUS you subtract the money from my account ( and I use those transaction amounts to verify the bank account ). Problem is, I don't ever remember giving you permission to REMOVE money from my account. Maybe I don't remember giving permission, but I don't think I gave you permission to take money OUT of my account.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Last year XXXX I had fallen on a hardship losing my job and being evicted I explained to capital one of these matter so they reduced my APR from XXXX percent to a XXXX percent rate and the monthly payments was reduced to XXXX a month the original payment was XXXX form XXXX of last year I was able to pay the affordable payment of XXXX a month but a couple of months later they raised it back to the XXXX I told them I could not afford that because Im still in a hardship and I was paying the XXXX month faithfully so I told them to come and get the car and could it be a voluntary repo but as time progressed thay put a repo on my name they sold the car and got good profit from it and trying to stick me with a bill for a car that I tried to keep with an affordable price
Consumer complaint received 2022-09-19
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. (FL)

I have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the XXXXredit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted as soon as possible : XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX. Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (TX)

On XX/XX/XXXX and XX/XX/XXXX I contacted Best egg through their websites online chat as well as spoke with XXXX of the reps over the phone to cancel autopay and revoke XXXX authorization. However, on XX/XX/XXXX Best egg attempted to withdraw a payment for {$50.00} which is processing from my XXXX  XXXX XXXX checking account after I revoked authorization back on XXXX and XXXX. I would like the payment returned to my account and for them to stop withdrawing payments from my account. I informed all reps during my contact with them that I would be mailing in payments instead. I also sent an email to them today on XX/XX/XXXX to inform them that I revoked their authorization.
Consumer complaint received 2024-01-11
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: JPMORGAN CHASE & CO. (CA)

I pre-ordered a TV on XX/XX/2023 through Amazon.com with an expected delivery of XX/XX/XXXX. The TV was actually sold through a company named XXXX. They provided a USPS tracking number which I can track through Amazon. On the day of delivery, I received an invoice and a letter claiming XXXX will reach out at a later date to deliver the TV. 

After contact XXXX for a refund, the person on the phone refused and said they would call me back, which never happened. Amazon support would not refund me because the amount exceeded the support agents refund limit and had to escalate. 

I decided to dispute the charge with my credit card providerChase. Because XXXX provided a tracking number for the invoice, Chase has decided that the transaction was valid and not their problem. 

I eventually received my refund, but now Chase is re-billing me the amount, claiming that they front-ed me the amount charged and are trying to get their money back. They also point to my refund from Amazon in my statements as the credit provided by Chase during the dispute. I appealed the decision and provided an email from Amazon indicating they refunded the amount, but Chase has denied the appeal and will not respond to further appeal attempts.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (GA)

Hello, I have a XXXX credit card through Alliant Credit Union. This card offers 2.5 % cash back provided XXXX meets certain conditions. I had accumulated {$2600.00} in cash back through out 2023. On XX/XX/XXXX, I redeemed the entire cash back amount earned of {$2600.00} for a statement credit on my card. By first week of XXXX I had still not seen this statement credit come through. I called Alliant Credit Union and they confirmed that there was no statement credit yet. They transferred me to " cardmember services '' and the agent informed me that it can take up to XXXX billing cycles ( 2 months! ) from the time of the order to show up on my statement as a credit. 

She also informed me that had I chosen to deposit the cash back amount into my checking/savings account at Alliant Credit Union that would have taken only a few business days. However, since I had already placed the order they did not have a way of cancelling the order and change the mode of redemption. All of this seems like another way to hold on to MY earned cash for up to XXXX more months. I do not see why it would take that long for them to issue my statement credit. Nowhere along the order path was I informed it would take that long and nowhere was I informed there was an alternate method of redemption. I would like to not wait for another month ( I have waited almost a month now ) for my statement credit in the amount of {$2600.00}. 

Thank you XXXX XXXX
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES (WA)

I have a student loan with Great Lakes. In requested a {$0.00} dollar payment plan in XXXX as I was unemployed and working with a XXXX ( XXXX XXXX ) and unable to make my {$650.00} dollar loan payment. I sent them a request and copy of my pay stubs from XXXX XXXX. The repayment plan was never initiated ( although XXXX did ). I then changed employers three months later to another XXXX ( XXXX ) and submitted another request for a {$0.00} based payment plan. Upon their Great Lakes request I sent them a copy of my pay stubs and that requested was still pending as of XX/XX/XXXX. Again I contacted them about my pending application and Great Lakes stated they needed a copy of my Income Tax Return for XXXX which was faxed to them on XX/XX/XXXX at XXXX from the XXXX Office # XXXX. As of today I am still waiting for the payment plan to be approved. Every time I log into my account with Great Lakes it gives the status that my application is being processed. They recently put my account in forbearance but I am being charged over a thousand dollars in interest that would not have occurred if I had gotten the payment plan ( which the DOE / XXXX ) stated would be {$0.00} a month based on my income for 1 year and no interest accrued. It seems to be that Great Lakes is pulling a XXXX XXXX to get additional money from me that I ca n't afford. Can you help?
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (NC)

To Whom It My Concern Dispute Center In reviewing my Equifax Credit Report on Friday, XX/XX/XXXX, I noticed my score changed from XXXX to XXXX by dropping XXXX points from previous credit reports. The drop in score is due to my XXXX XXXX account needing to be listed on my Equifax Credit Report. 

Since XXXX XXXX did not list my account on the Equifax report, the report showed a fair credit score versus an Excellent score. Earlier this year, I experienced the same problem with XXXX XXXX not reporting my credit information to Equifax, and it took months to rectify the situation. 

Since I am self-employed, my credit score assists with my borrowing capital. Please report XXXX XXXX on my Equifax credit report immediately to alleviate any problem with my XX/XX/XXXX credit report. 

XXXX XXXX XXXX XXXX  XXXX notified me by letter on XX/XX/XXXX, stating that they verified that the above-referenced account is reporting to my credit file and advised that I contact the credit reporting agencies directly to assist with my request. 

On XX/XX/XXXX, at XXXX XXXX I reached out to Equifax and spoke with XXXX XXXX Equifax representative identification # XXXX. He stated that I must contact XXXX XXXX to resolve the problem.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

i ask why their is adverse effects on my account .That made my account go higher than I expected in the beginning of the insurance policy. My policy went from XXXX to XXXX dollars in one month. I asked the reason and never got any response from company or any statement with how it added to XXXX.
Consumer complaint received 2017-02-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC (FL)

Me and my family and constantly contacted by API collection services a man called XXXX XXXX is threatening me that police officers are going arrest me. He has also told me that they are going to garnish my wages. He also said that there are court dates I have no appeared to. I called my local clerk of courts and its false. Ive done XXXX Police reports in XXXX Florida XXXX is report number XXXX and XXXX. I donot recall asking for a XXXX payday loan and i want the calls to stop API collection XXXX XXXX XXXX Extencion XXXX Also if you call them its always fast busy
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : - XXXX CO DA XXXX Balance : {$0.00} DEPARTMENT OF CHILD XXXX Balance : {$940.00} DEPARTMENT OF CHILD XXXX Balance : {$0.00}
Consumer complaint received 2024-01-11
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. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TX)

My closed and repayed loans are now causing my credit score to go down. I have disputed this and have the screen shots of the loans saying repayed and closed as well as the 2 currently open saying in good standing. This issue has brought my score down significantly in the past month.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (GA)

On about XX/XX/XXXX of XXXX. I was trying to do a payment transaction with a XXXX  on XXXX. He was selling furniture for about XXXX dollars.. I didn't have the full amount of money at the time so I did a small transaction for him to hold the furniture. I sent him XXXX dollars and I was supposed to pay the rest to him but the XXXX of XX/XX/XXXX. I notified the guy on XXXX cause I seen something damaged and he said there was no damages to the product. So late in the day I reach out to him again and he blocked me from communicating via XXXX XXXX. I noticed the bank and the file a report. I just checked my account and gave the money back to the guy who took the money and I never received any produce. Let alone anymore communication. Chase bank has a claim number XXXX on file in the claims department. This is not the first time chase bank reverse a claim for something that wasn't delivered to me. This issue happened in XXXX with a refrigerator that was not signed by me. It was delivered but not to my house and it was signed by someone without my name Chase has my signature and XXXX refused to refund the money. That was XXXX dollars as well. Now my bank account is negative because of this current issue. Can you please help me out? My number is XXXX
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

I received text message overnight ( while sleeping ) that said a Chime account was setup. I then checked email and had receive

d two emails stating account almost there and a debit card would be mailed to me. I called number on email, after checking it was a number that belonged to the company. Kept disconnecting me after I said " Fraud '' and it said transferring to customer service, though it said it recognized my phone number ( for security purposes ) when I called. I tried choosing stolen card. The automated system also said they would send new card and proceeded to list my address. Chose needed help setting up and finally got human. They wanted complete spelling of my name, last 4 of my social, and d
ate of birth. I declined. They said they didn't have access to account information when I said you have texted, emailed and called me, so you have this information ( and their auto system said my phone number and address ). They said I should get their app to get account number. I declined. They would not assist in closing the account, but proceeded to tell me to check credit reports and identitytheft.gov. I see online they have asked many others for same when they stated fraudulent account setup, they also ask for drivers license picture and picture of you with that license.
Consumer complaint received 2022-12-21
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. (MI)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2017-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn (NY)

Sir/Mam, This letter is a follow up of the complaint i submitted last XXXX XXXX, 2017, with case # XXXX, against the Collection Company Mullooly, Jeffrey, Rooney & Flynn. 

One night around XXXX a man just knocked the front door so loud as you can feel the vibration of the wall and i was terrified as if there is a lunatic or drunk man outside of the house looking for a fight. I was stunned and shocked from my sofa as i was half-slept and tired just got home from work. When i go out to check a man in his XXXX or XXXX about XXXX XXXX male at first, introduced himself as a delivery guy and his looking for miss so and so, my mind was still in state of shock from this very loud knock from the door. When i ask him what is the delivery he cant answer me directly and it made me so confused and XXXX off for he woke me up for nothing. And then when i ask him why do you knock the door so hard, he begin intimidate me by introducing himself as a government employee and he is looking for a certain person in the house. everything is not clear he just showed up to intimidate and misrepresent everything by conflicting who he really is. And it happened again knock on the door so loud and it happened again and again from XX/XX/XXXX to XX/XX/XXXX. And also i received multiple phone calls from unknown callers to my workplace and it is embarrassing. Calls like every hour and sometime multiple calls in an hour, it depends on their mood to annoy people. 

please help me they already holding my {$5900.00} of my savings from XXXX XXXX XXXX, i know its illegal to take someones money for someones debt. I dont know these people, to whom i own the money and how much money i owe. Upon reading through the site of consumer protection bureau im a victim of phantom debt and usually the victims are small people like me who have no knowledge of the law. 
And also i called the XXXX XXXX they say the collectors is looking for like {$2900.00} but they take away more than what they looking for but XXXX XXXX give me unclear answers and more confusions. 

hope you had a very good XXXX. 

Thank you from the bottom of my heart.
Consumer complaint received 2024-04-07
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. (CA)

XXXX XXXX shows on my consumer credit report. 
Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Terminated Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$2100.00} Credit Limit : {$2100.00} Past Due : {$0.00} Payment Status : Current This is a violation of crfp reporting of an open account that is terminated under my name with the credit balance {$0.00} that was not opened by me and is not in their system as an Account owned by me. XXXX  XXXX fraud specialist said on XXXX verified over the phone that it does not belong to me but still reports on my consumer credit report. And they will not delete the record as it's not an account in their system and they said to contact the credit union reporting it.