davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (CA)

I found out recently that there is an account being reported on my credit that I did not consent to or was notified about this account is also not a credit transaction and is not allowed to be on my credit report I have attempted several times to dispute this with XXXX and TransUnion but they ignore my disputes and update the account with more false information such as addresses and debt amount.
Consumer complaint received 2023-09-22
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-30
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. (KS)

On XX/XX/XXXX, I was pressured into buying a timeshare which I quickly realized was a mistake. On XX/XX/XXXX, I submitted paperwork in accordance with the contract to withdraw authorization for withdrawals/debits from XXXX on my Chase Credit card . I also sent a stop payment order to Chase and locked my card on XX/XX/XXXX. 

In XXXX ( only ), Chase let a payment go through to XXXX. I have filed XXXX disputes and Chase has sided with XXXX even though Chase betrayed me as their customer. I will attach the documentation I have sent to Chase twice. 

I disagree with Chases ' resolution because XXXX violated a federal statute when they took money from my account without my permission. I provided Chase with proof that I terminated my permission to XXXX to take money from my account. However, XXXX took it anyway, even though they did not have a legal right to do so. Chase is now a participant to this act of fraud, as Chase is allowing them to steal money from my account that they did not have my permission/authorization to take. 

I expect Chase to issue a full refund to my account, as XXXX no longer had my permission to take the monies and I met the federal requirements when I submitted my termination of my authorization to XXXX in writing, which XXXX received more than five days prior to the payment draft date, as required. I met the burden of proof requirement for Chase to resolve this dispute in my favor, when I provided evidence to Chase that XXXX received my written termination as required by the federal statute. I expect to see a permanent refund on my account and I expect CFPB to support my case. 

This is the statement from the contract where I have the legal right to revoke authorization which I did on XX/XX/XXXX : " I may choose to revoke this Authorization : ( i ) by telephone at XXXX ; or ( ii ) in writing by mail to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. This Authorization in no way limits any right I may have under federal law to stop payment by contacting my financial institution. '' This is the second time I have sent this to you. Chase contacted me but literally the person who contacted me from Chae did NOTHING.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

An housing court record is currently displaying on my credit history. This record has impacted my ability to apply for apartments. I have lived in XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX NY XXXX from XXXX to XXXX. In XXXX, I settled an outstanding balance with Property owner XXXX XXXX XXXX XXXX. However, there is a record displayed on my credit record. I would like it to be removed so I could apply for apartments in the future. I was not able to have any record from XXXX XXXX XXXX.
Consumer complaint received 2023-09-22
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. (TX)

I sent the credit bureau a letter asking them to investigate all information on several accounts for 100 % accurate information. I also asked them to provide me with the following information items : *Pay off disclosure *Interest rate disclosure *Balance history *Payment history *Credit insurance This credit bureau has failed to respond to me within 30 days. I know that per the FCRA, the credit bureau has 30 days to respond to my letter, which they have failed to do. 

I sent this letter to the credit bureau via certified mail with the USPS. 
Here is the tracking # : XXXX
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC. (MI)

I opened an account with Ally Bank on XX/XX/year>. I reached out on XX/XX/year> because I received an error message when trying to enroll in XXXX. I started via online chat and was routed to the 1-800 number as the chat can can not support this kind of issue. The called lasted 30 mins. I was told this issue would need be researched by their XXXX team. Follow up in five days. Contacted them again via chat and phone on XX/XX/year> and the case was still being investigated. I contacted them again XX/XX/year> and a new case had to be started and an new technical would be investigating then a supervisor would contact me in two days. I received no calls, app notifications, messages, or voicemail. Reached out again on XX/XX/year> to ensure my case was being looked at and none of the note reflected all the past troubleshooting we had done. Called again on XX/XX/year> and the supervisor promised to follow up as we getting close to a month. No follow up gain. XX/XX/year> I called and the issue was being looked at. XX/XX/year> We created all new emails and reset all both my computer for the issue to still not be fixed. Today XX/XX/year> I called on my lunch to simply speak directly to the technical team ad directed. She kept me on the phone for an hour, missing my lunch, to finally get transferred and then hung up on by the supervisor. I have been extremely patient. They don't care to help their customers. They just waste time until you hang up.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra (LA)

Abra refuses to return my XXXX I held in an Abra wallet. In XXXX, I deposited {$3000.00} USD and held $ XXXX and $ XXXX in their wallet since then. They recently locked me out of my wallet and claim that I did not transfer my funds out before XX/XX/XXXX and therefore the funds are " considered lost ''. The value of that $ XXXX is anywhere from $ XXXX $ XXXX currently. I am attaching the initial transaction report ( and deposits ), but do not have more recent activity since they've locked me out of my account. 

Also attaching my correspondence with them via email.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I currently have unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Hello XXXX  Flight Transaction for {$1300.00} On XX/XX/2024 I bought a flight ticket with XXXX, ( also known as XXXX XXXX ) the ticket amount was {$1300.00}. I used my debit card ending XXXX and my Chase account was debited with {$1300.00} ( account screenshot attached ) In my correspondence after payment with XXXX my flight reservation was confirmed ( correspondence attached ) On XX/XX/2024 XXXX canceled my reservation claiming my " payment didn't go through '' even though my account was funded and debited immediately on XX/XX/2024 ( correspondence attached ) I mentioned to XXXX representative XXXX that my account was debited for the flight ticket {$1300.00} and sent a screenshot to XXXX his manager after which they claimed the amount will be refunded after XXXX - XXXX business days ( correspondence attached ) On XX/XX/2024 I made a transfer of {$73.00} into my chase account to make up the money needed to enable me buy another flight ticket for my scheduled trip, and bought directly from XXXX XXXX - flight ticket {$1000.00} After my XXXX XXXX flight ticket purchase, the balance in my account was $ XXXX ( a dollar and some cents ) I did no further transactions on the account awaiting the refund from XXXX  for {$1300.00} On XX/XX/2024 my account balance became {$1100.00} - I promptly reached out to Chase Bank teams on phone and at XXXX physical location to explain the error however, it was a sad experience and Chase Bank representatives were not helpful at resolving the loss of my funds On XX/XX/2024 my account was debited for {$1300.00} On XX/XX/2024 a refund of $ XXXX was credited into my account Missing/stolen fund is $ XXXX Request ; kindly assist to enable Chase Bank and/or XXXX refund my stolen money Hoping for a prompt resolution of this challenge Regards XXXX XXXX
Consumer complaint received 2024-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (LA)

CFPB Complaint : Credit Corp Solutions I am filing a complaint against Credit Corp Solutions , Inc. ( " Credit Corp '' ) regarding their debt collection practices for a debt they allege I owe.

Credit Corp has violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide debt validation information under 12 CFR 1006.34 ( b ) ( 5 ).

Credit Corp has violated the FDCPA by placing a collection on your credit report without giving you a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Credit Corp has violated the FDCPA by using false, misleading, misrepresentation, and deceptive means in their collection attempts.

Credit Corp has violated the FDCPA by furnishing an amount to a credit reporting agency without providing the required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

I request that the CFPB investigate Credit Corp 's debt collection practices.

I request that Credit Corp be ordered to : Validate the debt they claim I owe.

Provide a copy of the purchase agreement between Credit Corp and the original creditor.

Furnish proof that they are licensed and bonded to collect debt in your state.

Remove the collection from my credit report. 
Cease all communication attempts until the debt is validated. 


See attachments : Proof of ID, Address and CC : FTC REPORT NUMBER # XXXX CC : XXXX  SAG : in my State Louisiana SAG : in your UTAH Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Fraudulent hard inquiries on Experian and XXXX credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has multiple hard inquiries
Consumer complaint received 2024-07-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc. (CA)

It does not matter howe many times I try to check out, or what page ( store ) I'm checking out from I will NEVER get approved by Afterpay. I'm sure they confusing my information with other customers, otherwise there's no other explanation. I keep on sending emails and I keep on getting the same response. This is getting out of hands and I believe they're something ( human made ) overriding those decisions. It makes no sense I have {$600.00} credit line and never been able to use it. Credit score on the XXXX and clean and secondaries credit bureaus also clean. I have no idea what is going on. 

Account needs to be refreshed, overridden and manually set to approve me.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

Has violated my rights. Or list of inquiries 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 2023-03-11
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXXXXXX : {$360.00} XXXX  XXXX XXXX Opened XXXX. 
XXXX, XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  {$120.00} XXXXXXXX XXXX XXXX XXXX  : {$480.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

On XX/XX/2024 I sent {$4500.00} via Moneygram.com ( from XXXX, TN to Arizona ) for the down payment on a car I am helping my son purchase. This transaction was promptly cancelled by Moneygram. When I contacted them I was told there was " an issue '' and it was being investigated. I was then told I would receive a full refund ( XXXX + fee = {$4600.00} ) within ten business days. On more than one occasion agents told me the money had been refunded, another told me they tried to refund it but there was a restriction on my card ( my bank says No there is no restriction on this card and even if the debit card was cancelled the refund would still have been credited to my account ). Lastly, on XX/XX/2024 I was told my card way restricted and to contact my financial institution, which I did. There is no restriction. I don't know what else to do to get my money back.
Consumer complaint received 2024-06-12
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. (FL)

The XXXX XXXX XXXX Partial Acct # XXXX is not my account. I never open this account and it is still on my report. I called all 3 bureaus to let them know this account is not mine. It was open on XX/XX/2020 and at that time I was incarcerated. My release date was XXXX XXXX. I requested my credit report and saw 4 accounts that I never open. I immediately called these credit cards and cancelled them but this one was not removed and it is hurting my ability to purchase a home. The address were these cards were mail was an address close to the prison. I know an employee stole my identity to open credit. 
Here is the address the cards were mailed. If you do an investigation you will find that an employee from the prison lived or lives at this address. 
XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

After multiple attempts to correct my credit file with XXXX, I am submitting this complaint. The agency - XXXX XXXX XXXX  ( XXXX ), obtained old information ( XXXX ) from the now defunct DiTech company ; postXXXX. Subsequent to filing disputes, this information has already been removed from both XXXX and XXXX.
Consumer complaint received 2023-09-13
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. (CA)

in XXXX i took a look at my credit report, i found a couple items that are fraudulent. i contacted the credit bureaus and they instructed me to file a police report. I did everything that i was instructed to do, but they havent removed the fraudulent accounts.
Consumer complaint received 2024-05-21
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: AMERICAN EXPRESS COMPANY (CA)

I have had an American Express Card for a number of years. I've used it only for XXXX air travel which I've largely stopped since XXXX. My wife usually pays our bills and I found out a few months ago she's been paying a {$7.00} monthly fee. I thought the card was charge free and called, the charge was a monthly bill from XXXX. However I have no XXXX service. 
I called American Express, they indicated they couldn't help that I needed to take it up with XXXX I called XXXX but they had no record of me having a service contract with them and said they couldn't help. I cancelled my American Express last month. 
Now I ' m getting bills from American Express for XXXX charges AND a late fee. When I live chatted with American Express just know they said I needed to take it up with XXXX. 
Why should I pay for services I don't receive and late fees on top of it??? 

I've had a few false charges on my XXXX XXXX but never had problems getting them sorted out.
Consumer complaint received 2018-12-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (WI)

XXXX XXXX credit card ( XXXX ) has contacted people with the same last name as myself and left messages with them to find/call me XX/XX/2018. They have also violated tcpa by auto dialing my sons cell phone on numerous occasions in XX/XX/XXXX and XX/XX/XXXX. This matter does not have anything to do with anyone else. They are giving out personal information to third parties.
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (CA)

I purchased appliances through XXXX XXXX and was offered a 12mo deferred interest credit card via XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) for said purchase. The card and all of its associated information/documents arrived, and the first bill & documents arrived shortly thereafter. The billing due date is listed as the XXXX of every month. 
I emailed the company requesting a due date change to XX/XX/XXXX ( inquiry # XXXX ) requesting a due date change to the XXXX of each month and was emailed back 'the billing service did not allow that '. 
I subsequently phoned on XX/XX/XXXX to speak to a live agent to ask for and request the processing of this request. Again, I was told this was not allowed. 
I resorted to reading ALL of my documents to find where it was written that I could not request/receive a due date change and there is nothing written/documented, that was sent to the consumer, indicating a due date change is prohibited. 
On XX/XX/XXXX ( inquiry # XXXX ) another email request for due date change, also annotating that their card documents Do Not state this request is prohibited was sent. The response was 'call customer service ' On XX/XX/XXXX I phoned customer service, was again told that this is not a task that will be done, the system does not allow it, AND that fact does not have to be disclosed to the consumer. 
I'm not asking for a lesser payment, loan forgiveness, and any type of balance reduction. I'm simply requesting a payment due date change to the XXXX of every month to accommodate my payroll cycle. It's XXXX, in the world of technology, with a consumer who Wants to pay their bill, how is this not possible?