davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NY)

On XX/XX/XXXX I initiated a transfer ( XXXX ) of {$3100.00} from my US account to my international account. 

On XX/XX/XXXX I received a notification that the transfer had been completed. As of XX/XX/XXXX, the money has not been delivered to the account. I have provived Remitly with copies of my official bank statement that show the money was never received.They claim that they spoke with my bank and that my bank told them the money was received. I asked them for copies of these communications with my bank ( They refuse to provide them ) because my bank told me they have not been contacted by Remitly, and they have not received any funds from Remitly. 

I have called Remitly on XXXX different occations and have been told different stories about what's going on, including : A ) The transaction is complete and I'm mistaken B ) My bank is closed ( lt 's not ) C ) Remitly will email their partner and get back to me ( they don't ) D ) Remitly is conducting an investigation and I'll hear back in 24-48 hours ( l never hear back ) I have checked with my bank multiple times and have checked the account multiple times. They money simply isn't there. My bank statements don't show the transaction anywhere and my bank tells me Remitly never transfered these funds. 

I have asked Remitly repeatedly to provide me with the emails they claim to have received from my bank stating the funds were deposited but they can't/wo n't. I have also asked to speak with the " internal department '' conducting the " investigation '' but have been told that I can't speak with them and that they will contact me once the investigation is completed. Each time I have been told that the investigation will take 1-3 days and I never hear back at the end of the 3 days. When I call or chat with customer service they repeat all of the above again. 

Last week I was told the final investigation would be completed and I would get a resolution today XX/XX/XXXX. When I called today I was told all of the above again and now they are supposedly conducting a new investigation. 

The {$3100.00} was meant to be a mortgage payment for my mom 's house. The bank is now charging late and overdraft fees because the money is not in the account for them to withdraw so Remitly is not only refusing to deliver/refund the funds but they are also costing me time and money.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-12-05
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: TD BANK US HOLDING COMPANY (TX)

The attachments explain in detail, I got furniture from XXXX and they went through TD Bank for the credit card. I provided all of the correct information to them and they will not remove XXXX as late. I show proof of giving them my correct address on the application as well as the fact that I had to provide my STATE issued license with the correct address. I was not to be billed until after I received my furniture which would mean, I would have gotten my first bill in XXXX, I even paid more than the {$75.00} minimum monthly payment in XXXX and again in XXXX. Had these late fees not been tacked on, XXXX would not have reflected late and I do my diligence to never be late on my bills. their error is negatively impacting my credit report.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NY)

I made an uninformed decision on XX/XX/XXXX, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand. This is for account XXXX. 

This CFPB complaint was submitted on XX/XX/XXXX and JP Morgan Chase still has not responded with evidence of indebtedness outside of the null avoid agreement. The only way this could be shown is through 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was no letter of written instruction produced from JP Morgan showing I gave them permission to furnish this fraud on my credit report. IT NEEDS TO BE REMOVED IMMEDIATELY.

Violations {$1000.00} per violation 1. Uninformed decision with no clear understanding 2. No evidence of indebtedness 3. No clear and conspicuous adequate notice 4. Inaccurate account close date on credit report 5. Inaccurate first date of delinquency on credit report 6. Failed 15 U.S.C. 44 {$6000.00} in violations
Consumer complaint received 2023-11-30
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)

EXPERIAN IS VIOLATING THE FCRA 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 




I DEMAND A COPY OF MY WRITTEN PERMISSION FOR EACH ACCOUNT, Swear under penalty of perjury you were present during the alleged debt Swear Under penalty of perjury each account is accurate and is mine. 

Please provide written wet ink signed documents bearing my signature for each account. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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. (IL)

I noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

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 2023-07-07
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: EQUIFAX, INC. (AR)

This is my 3rd attempts to file a case for Equifax Credit Bureau because they never cared about my request previously. They have unlawfully disclosed my personal and private information. Because of there wrong doing it seems to be a emotional distress and potential loses to me. I demand that you could help me correct these accounts : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00}.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked on my credit report and noticed that there is a late payment for XXXX days for my credit card account for XXXX XXXX XXXX in XXXX XXXX XXXX PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (FL)

Subject : Unauthorized Credit Accounts and Violation of TILA I am writing to bring to your attention a series of concerning incidents that have occurred while I was incarcerated in a work program by the FDC. It has come to my attention that several credit accounts were opened without my knowledge or authorization during this period. I would like to provide a detailed account of these incidents and seek your assistance in resolving these matters. 

Firstly, in XXXX, I filed a tax refund check with the IRS. Due to the verification of my identity, the refund was not released until XX/XX/XXXX. However, during this time, my checking account with your institution was closed. It has come to my attention that Navy Federal Credit Union did not return the {$5300.00} check to me. Instead, it was applied to my credit card account. I want to emphasize that I never signed any disclosure granting a security interest in my checking or savings account, nor is there any record to support this action. 

Furthermore, I took the necessary steps to protect my credit and financial information by notifying the credit bureau in XX/XX/XXXX about the fraudulent accounts that were opened without my consent. This was done in accordance with the proper procedures to block the information associated with these fraudulent accounts. 

It is my understanding that Navy Federal Credit Union 's action of applying the {$5300.00} check to my credit card account, without returning the funds to me, may constitute a violation of the Truth in Lending Act ( TILA ). I have taken the initiative to file a police report and an FTC report regarding this matter, which I have attached for your reference. These reports provide additional evidence of the situation and highlight the potential violation of TILA by your institution. 

I kindly request your immediate attention to this matter. I would appreciate a thorough investigation into these incidents and a prompt resolution. I request that you provide me with a detailed explanation of the unauthorized credit accounts, the handling of the tax refund check, and the application of funds to my credit card account. Additionally, I would like any charges or fees associated with these actions to be reversed, and the {$5300.00} check to be returned to me. 

I am open to discussing this matter further, and I would appreciate your prompt response within [ specify a reasonable timeframe ]. Please provide me with a written acknowledgment of this letter and a timeline for resolution. 

Thank you for your attention to this serious matter. I trust that you will address these concerns promptly and take the necessary actions to rectify the situation. I look forward to a satisfactory answer.
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/2023 I called this company made the payoff amount of XXXX to pay off this credit card and requested that this account be closed. I was given a confirmation number as well a verbal confirmation that I did not owe this company any more money and my account would be closed. I continue to get up 5-6 phones calls per day from this company trying to collect on a balance of now XXXX dollars of late fees. They are now saying that because I did not close my account on a certain day of the month Im responsible for service fees. Ive tried to explain my situation to several supervisors but no one is be reasonable. Or no one will resceach my conversation back on XXXX XXXX XXXX XXXX in which this company stated they record all calls.
Consumer complaint received 2024-05-31
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: GOLDMAN SACHS BANK USA (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PR)

I had the account with Navient, suddenly my account information ( name on the account ) was changed. I realized it when I got the documentation for filing taxes. I called Navient right away and they confirmed their mistake and assure me that it would be corrected before the tax day. As of today the information had not been corrected and now they are requiring a copy of my social security card. I refuse to send a copy of my card, now even more than ever after they made the mistakes of identities and placing me under a higher ID theft risk.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AZ)

Recieved notification on credit karma account about additional debt in collections. Investigating the debt I discovered the account was opened by someone who is not me, and accrued XXXX $ in debt before closing the account that was servicing two addresses after like 3 months. The account was through XXXX a utilities provider and they confirmed ive never had an account with them. The account was credit verified by XXXX with a mispelled name on the account, how it even managed to pass the check is beyond me.
Consumer complaint received 2023-12-05
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/XXXX  : I woke up to multiple text alerts telling me about potential fraudulent purchases on my Captial One XXXX credit card. The first text showed an international purchase of {$740.00} at company called XXXX XXXX. The text asked me to verify if I made this purchase. I responded with a text stating NO. At that point, that purchase was denied and my card was locked. I saw there were three more purchases from the same vendor ( XXXX XXXX ) that were pending ( {$76.00}, {$76.00}, and {$93.00} ). I immediately called Capital One and filed a fraud complaint about all four charges that morning ( XX/XX/XXXX   ). I was told that a fraud investigation would occur and that they would cancel my current credit card number, and mail out a new credit card. 

XX/XX/XXXX  : I received an email from Capital One stating I had a follow up letter about my credit card fraud. I logged into my Capital One account and read that Capital One 's investigation " found insufficient evidence '' of fraud and so I was responsible for the three fraudulent charges. I called Capital One and talked with 3 levels of management who stated that my physical chip card was used to make these purchases. I told them it was not possible because I'm the only one in possession of the card ( and still am ). The charges occurred roughly around XXXX ( AZ time ) on XX/XX/XXXX and I was asleep in bed. Capital One also stated that the purchases were for " Mens/Womens clothing '' and the sale was completed out of XXXX XXXX . I denied making any of those purchases but they said since the physical chip was used it had to be my card. I stated that obviously criminals can now make duplicate chips because I didn't make those purchases and was still in possession of my card. I tried to point out that the total of the four charges added up to {$990.00}, like the actual criminals were trying to keep it below a {$1000.00} threshold. Capital One asked me if I had used it to make a physical purchase at a swap meet or something similar that morning, and once I again I stated I did not because I was still in bed and it wasn't even daylight yet in XXXX AZ. They refuse to credit me {$240.00} for the three remaining purchases. I do not want to be responsible for these fraudulent purchases.
Consumer complaint received 2024-03-29
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. (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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-11-30
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. (DE)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account  Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX 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 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

My truck was totaled due to a vehicle fire and the insurance company paid the finance company for the truck. The next day after receiving the insurance check, they sent the remaining balance of {$400.00} to the collection agencyou which essentially hit my credit. They did so without informing me of the balance or giving me the opportunity to pay the balance.