davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a repeated plea for the furnishers XXXX XXXX XXXX XXXX  and XXXX XXXX to produce information used in verifying the fraudulent accounts, however I have not received any information from either party since XX/XX/2023. Section 623 ( a ) ( 6 ) states that a furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher knows or is informed by the consumer that the information is correct.

I have not informed the furnisher that the information is correct. Therefore if the furnisher knows, then the furnisher is obligated by law according to 12 U.S. code 5533 to give the consumer their rights to access information upon request. My rights are repeatedly being denied and ignored.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/scrub>XX/XX/XXXX Hello.. I had been a member of chase for XXXX  year and so, I get done With my IRS, My tax payer provides me My Return tax Check Which Is from XXXX XXXX By XXXX and The amount Is XXXX $ As soon as I receive It I go Into The Chase app And Virtually deposit my check, After a day gone my account was put on Restricted And they told me that They try and call the number on the check and They dont answer as If they verified It already. I give al call back to XXXX XXXX and their response was. They called In the next day In the morning Soon as XXXX am and Verified the check, I had a whole situation Where I had XXXX XXXX on the phone And tried to Put chase On a three way and all They could say Is that They cant be put on a phone call with somebody else It's Their policy, I Went to the chase bank branches for the next 3 weeks at least once a day to speak to a different Manager or Member so My issue could be resolved and all there was To It, All I had was the same answer over and over, Chase responses to this was, XXXX XXXX Is not registered In their system and can not get In touch With them, as If the company was fake, At least 1 Member told me that theyve seen check from XXXX been verified for different customers and never had issues, I even had XXXX appointments With my tax maker and chase and could still not Get any responses, I couldnt even get the check back, they would not provide me my check back, My account closed, Couldnt Create another one and My business with chase was over and still have not got back my IRS Funds
Consumer complaint received 2024-04-03
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. (MO)

These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. Please remove these from my credit report.
Consumer complaint received 2023-12-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

I received an email from my credit report showing I had a collections from a company I didnt know. I called the number on my credit report and they said I had applied to get an apartment and took the deposit back. I own my home and knew it wasnt me that applied. They told me I needed to send proof of where I live and file a police report.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I went to Experian.com to request a FREE Credit Report. Once I submitted the request the website asked me for my credit card information. The website said my credit card was needed but was not going to be charged for anything since I was only asking for a FREE credit report. I went ahead an submitted my information and got my free credit report. 

On XX/XX/2022, I woke up from an email alert sent by XXXX XXXX notifying me of a purchase made without my card being present. I went ahead and checked my XXXX app and saw a pending charge of {$24.00} from XXXX. I had not used this card in several weeks so I immediately went online to check who this company was and after a XXXX search it came out that it was Experian. I immediately called my credit card company, XXXX XXXX, to notify them of this fraudulent charge. I did not sign up for anything through Experian and only requested their FREE credit report so this should have never been charged to my account. 

I went ahead and checked my Experian account and saw that my account had been changed to a $ XXXX service. Again, I never agreed to this when submitting my credit card information and Experian said my credit card would never be charge for their free services. I had to change my account back to a free account. Again, I had never changed my account and Experian did it themselves without my permission.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (GA)

I would like to file a formal complaint with Chase Bank ( business ) and they transaction company WePay they are holding funds from a transaction made at my business. I have a small self employed business and I had a customer pay with credit card on XX/XX/2024 Because this was a larger job with an amount of XXXX WePay is holding the funds. After contacting chase they told me to resolve it with Jp Morgan WePay I have contacted them through email because they are an email only company and there is no one to call. they asked for specific information like details about the transaction, receipts and customer information and I gave them everything I had. They then asked for the payers phone and address I gave them the customers phone number but could not provide them with an address because that is not a requirement that I ask my customers when completing a transaction I believe that is personal and private information and some customers would not feel comfortable, sharing that with a business. After stating that, I only could provide them with the customers, phone number and name which I did. They insisted on holding my funds and went as far as to cancel my business account which I have had to almost two years and they said they are keeping my money for 120 days. After doing some research after my frustration, I realized there were hundreds of other customers who were having the same issues with the same company and have the same complaints. I would greatly appreciate if you could help with this.
Consumer complaint received 2023-01-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

These creditors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/2023 I deposited my paycheck of XXXX into my business checking account with Chase bank. I was not aware that three fake checks had been written and cashed in three different states : California, Illinois, and Nevada. My state of residence is Arizona. Chase then froze the account and has kept all of my paycheck. This has caused undue hardship where I cant feed my XXXX while Chase does nothing to finish this investigation nor do they seem willing to give us our money back. All I know is a person was caught with more fake checks and was arrested in California. Beyond that Chase has not communicated at all. I have called at least once a week since this happened. I have also started seeking legal advice and am in the process of finding a lawyer that will take this on pro bono. It is now XX/XX/2023 and I can no longer be patient in waiting for chase to give me my {$15000.00} dollars back. They have ruined my credit score and my wifes credit score.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

The issue is that I have been trying to work with our lender since XXXX to work out a modification on our home. I was dealing with XXXX XXXX XXXX at first and they never would do one. XXXX XXXX XXXX sold the servicing to Nationstar in XXXX of XXXX. So we started the modification game all over again. The reason I call it a game is you send all the paper work they request and they say there are pages missing. They call and leave you a message, you call back and talk to voice mail never a person. I know that in the state of Georgia that there is a statue of limitations on signed contracts which is 6 years. Nationstar advertised the property for foreclosure sale on XXXX XXXX XXXX. I was at the courthouse for the sale to see if it would be sold. In Georgia the listing has to be cried-out on the courthouse steps. This was not done. Which I have confirmed is illegal, and I do have witnesses. I am still living in the house. They have now listed the house with a realtor to sell the house.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

A scammer pretending to be a seller asked to send money using XXXX. An email was sent that the transaction needs to be of {$500.00} for business account. Sellers send {$500.00} with the option that I refund the {$300.00} overpayment. Received email from XXXX indicating the process. I never received the money and They received my payment.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

Recently on XX/XX/XXXX I obtained my credit report before applying for a mortgage, I noticed that I had activity on my credit report going back all the way to XXXX from someone obtaining loans and 2 open car loans in my name through a company called " XXXX ''. I do not have possession nor any knowledge of these things. As I investigated further, I have numerous erroneous addresses that I have never lived that along with jobs I have never worked at listed below. 

XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Jobs I have never obtained : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (FL)

I was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from my credit 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 They do not belong to me, I will never authorize them
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citibank XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Called and spoke to XXXX says she is not allowed to give her employee number.

I have 2 Citibank credit cards. Each one has its delegate statement to make payments. I called today ( XX/XX/24 ) to make a payment on my XXXX card for {$83.00} and gave me a confirmation of XXXX. Their automated system gave me the balance for the other card that I have XXXX. I called the office to ask them why didnt my payment get credited to the correct account and they told me that there is nothing they can do. So 1 credit card XXXX has No payment and the other car XXXX has 2 payments. This is the 2nd time this banks system failed me. This same thing happened to me with this same bank applying 2 payment to the same account. Someone needs to do an audit on them. I should not have to keep calling g them back to fix something that their bank messed up. Look at all the customer complaints filed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaints closed in last 3 years XXXX complaints closed in last 12 months Enter XXXX XXXX  Rating is XXXX XXXXXXXX XXXX XXXX New York address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Email this XXXX phone number : ( XXXX ) XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (GA)

Received notice of Collection Added to Credit Report XXXX on XX/XX/XXXX. 
from IQ DATA INTERNATIONAL for {$89000.00}. I called the company and was very upset that these charges were put on my acct and I had no chance to dispute prior to. XXXX was acting as if she were there to assist and also agreed that the amounts were off and only had a Balance Forward which she couldnt verify because of Company change. I read up and contacted them back on XX/XX/XXXX and asked why didnt I receive debt verification letter and was told that they didnt have to. I also asked when I moved in and I was told 4 different dates. Also asked when the last time a rental payment was received and that was incorrect. When I first initially got on the phone with XXXX, I ask him since I never received validation of debt tell me where the balance came from because my info was totally different, XXXX was beating around the bush because he wanted to know what info I had. He then said that they had a full Ledger. I wanted detailed information in which he couldnt provide and he than began to be upset and unwelcoming. He put me and hold and they hung up, called about 6 more times and also hung up. I then spoke to a manager and asked why wasnt I given proper notice, I told him it was unfair a deceptive because they hadnt verified any charges were accurate. To unknowingly add amounts that were clearly a red flag shows the lack of accountability and credibility with IQ Data. My rights were violated and I will seek the proper roads to have this Company Penalized.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (WA)

My name is XXXX XXXX, my XXXX XXXX XXXX, was paid off in XXXX, I have called many times to have the lien released, I never received a title, and they refuse to resend it. When I go to the dmv, the car still shows as Hyundai motor finance owning. This car is 100 % paid off. Theyve confirmed it again and again and I never receive any documents I need to either get my title or lien release. This is fraudulent and causing me hardship. VIN XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MO)

On XX/XX/2023. I sent LexisNexis a letter requesting my personal information to be updated and a security freeze be placed on my Consumer Report, and also to opt-out of them disclosing future information until further notice including the C.L.U.E report!

I also requested a updated copy via mail of my Consumer Report and I have yet to receive any of the requested information.
Consumer complaint received 2024-02-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I purchased a Visa Vanilla Gift Card in the amount of {$500.00} on XX/XX/2022 at XXXX  # XXXX in XXXX, CO The card is invalid. 

I have made multiple phone calls, sent multiple emails, been given two different claim numbers requesting information from me ( photos of gift card front/back, receipts, picture of my ID ). All of this information has been provided, no one at the company responds. 

I tried to return the card to XXXX, they don't return gift cards. The XXXX Manager told me multiple people have come to them with the same complaint about this company Vanilla Gift Card. 

Recently I heard on the news there is a class action law suit against Vanilla Gift Card.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

According to the Federal Law passed on XX/XX/XXXX, The law states that a debt collection agency can not report to the credit bureau without first communicating with the debtor. This agency, named TRANSWORLD has violated the law by posting in all 3 credit bureaus beginning on XX/XX/XXXX and reporting ever since without ever sending a letter to me or allowing me to dispute the claim.
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, the following creditors listed below have violated my rights. 
15 U.S.C 1681 section 604 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 consent. 

Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$710.00} Name : XXXX XXXXXXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$760.00} Name : XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$400.00} Name : XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$570.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$530.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00}
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Hello, I noticed {$58.00} and {$48.00} being taken out of my Wells Fargo bank on a monthly basis, since XX/XX/2023. I thought the withdrawals were going to my health insurance XXXX XXXX plan but when I called XXXX them they said it wasn't them. The XXXX was going to a fake XXXX loyalty plan and the {$48.00} was going to some life insurance, Called XXXX, that I didn't sign up for. When I Explained this to my financial institute Wells fargo, roughly a week ago, they did some research then refunded a portion of the money and then stated they can not refund any more money because they cant get anymore from the group that stole my money. THIS DOES NOT MAKE SENSE TO ME. I thought FDIC covers you if you are found to be a victim of fraud. They honored some of the money so it is obvious to me that I am right and some one took my money under their watch. Can you help me?
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc. (IN)

I have talked to this company multiple times in XXXX, XXXX and XX/XX/2023. The first time I spoke to an agent who said that he agreed I do not owe this money and they would take off the balance owing and negative reporting information on my credit bureaus. The second time I spoke with an agent I explained that nothing has changed or taken off all 3 of my credit bureaus. This was supposedly for eyewear that I paid cash for and never used this company for credit. 
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Consumer complaint received 2022-02-24
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)

I reached out to Experian to ask them to investigate items on my credit report, because information that was being reported was inaccurate and inconsistent, and I am entitled to a 100 % ACCURATE credit report. They responded within a few days and stated that the accounts were " verified ''. Experian failed to do a complete investigation of these inaccuracies and remove them.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

I had applied for Discover in 2020. I got approved. My account was closed on XX/XX/2020. XXXX was only {$12.00}. I paid my necessary balance on time. Was told it was a business decision. No valid reason. Just speculation and I consider it bias as well as unfair. Even discriminatory. I would like to mention it was through the link they did for XXXX business promotion that year! Then a month later after I get the card, it gets closed! Very peculiar situation. I saw my credit score drop XXXX points. I want retribution for the amount of time and hard earnings they took from me.