davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

We are a small contractors company, XXXX XXXX XXXX, XXXX License # XXXX specified on bathroom remodeling and tiling. 
I got a bid from XXXX and started remodeling its 2 bathrooms. 
After the first bathroom completion, the customer made 2 successful payments using his credit cards and covered the cost of the job. 
Last XXXX  XX/XX/2024the customer made payment for progress on the second bathroom remodeling on that time up to XXXX %, or {$XXXX}. 
The job was completed on XX/XX/2024, and a final payment of {$XXXX} was made using his credit card again ( but a different account ) on XX/XX/2024. 
All transactions were made using the XXXX online banking system : XXXX. 
The first email I received at XXXX am XXXX, from XXXX XXXXXXXX, threatening that my account would be canceled, and the transaction ( {$XXXX} ) would be on hold unless I will not provide information ( invoices, and other documents supporting payment ) until XX/XX/2024 
I immediately replied ( on the same day ) by email and sent a copy of an invoice and correspondence with my customer regarding this payment. 
Despite this, onXX/XX/2024XXXX  notified me by email that all transactions were on hold for 120 days. 
No reasons or explanations were provided. 
I sent an email with the request : to refund money to my customer, but Chase declined my demand, saying that " funds placed in reserve can not be refunded. '' For me and my small business, {$XXXX} is an essential amount of money and can impact my financial stability. 
Please advise and help me with this problem! 

Thanks in advance. 
XXXX XXXX, XXXX XXXX XXXX. 
Cell phone : ( XXXX ) XXXX I
Consumer complaint received 2023-11-10
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. (NC)

This is XXXX XXXX with a dispute for consumer reporting agencies- TransUnion, XXXX XXXX XXXX. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).
Consumer complaint received 2023-09-05
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. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

There's an erroneous debit on my checking account. I tried calling to discuss this but USAA 's automated system isn't operational and doesn't recognize anything other than very simple requests. I then tried the chat system. THe banking people forwarded me to their insurance division since it was supposedly an insurance charge. They spent time verifying it wasn't an insurance charge and sent me back to banking. Went through this again and then they said I had to call in to dispute this. But their phone system won't let me through. So no way to resolve and already wasted an hour and cant get through to them
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Holding Company, Inc. (MO)

I signed up for the avant credit card via XXXX recommendation based solely on the advertisement of 6 months of on time payment history and you would get a credit line increase. I signed up in XXXX and have made more than one payment every month since, all on time and more than minimum. I then requested a credit line increase and was denied. I called to complain they said they took note and did not honor the advertisement.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (IL)

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-09-28
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. (OH)

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 attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pressler & Pressler, LLP (NJ)

Private information sent to a friends address. There is no reason at all for my personal mail to be sent to someone elses address just to get in contact with me especially a debt collector. Thats illegal
Consumer complaint received 2023-11-10
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. (PA)

The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both Exquifax and XXXX are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (OH)

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 attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One XXXX credit card ) -opened XX/XX/XXXX, charged off XX/XX/XXXX and sent to XXXX XXXX XXXX XXXX XX/XX/XXXX. The total amount in collections is {$520.00}. The account # is XXXX. The card was mailed to the address : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. The account is currently marked as " in dispute '' with XXXX XXXX XXXX. A claim has been made with them. A police report with XXXX XXXX XXXX XXXX Department was also made on XX/XX/XXXX with Detective XXXX XXXX XXXX. Complaint # XXXX. Subpoenas have been sent to Capital One by the detective for copies of charges that were fraudulently made by someone other than myself as well as to XXXX for documentation of the email and account that was given as information to open up the account.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (NV)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF ED/XXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

TRANSWORLD SYSTEMS INC illegally acquired a fraudulent debt that was obtained from reliant energy. 

I reported to XXXX that I did not reside at the address they had on file. My lease confirmed this. 

They said I still had to pay the debt. I disputed this for years. Until I contacted the collection company and they said if I just paid the debt they would stop reporting it. This was in writing. They also doubled the debt to make this promise. 

I then had a to fight with them after i paid them. This was because they were saying the charges were reversed. This caused me to owe my bank. As of today I have paid over {$800.00} for this debt. That I could originally prove wasn't mine. I am angry most because its still on my XXXX and XXXX. Reporting the wrong amount. I just learned of this complaint process but i am filing a civil action against this company.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I have sent the company a request to settle the loan with endorsement of coupon acceptance for value in accordance with the bill of exchange Act and have given them the opportunity to do business in good faith. They have not responded in good faith and have no intention whatsoever of making any kind of payment. They have made a statement of intent to collect after acknowledgment of receipt of my payment in full and in accordance with Ucc 5.1, bill of exchange act and 15 U.S. Code 1602 - Definitions and rules of construction, 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I have informed the company that they are in fact in violation of the law and I was told that they have found no evidence of violation. Furthermore I am currently in good standing with the company and have sent to the company for title but to avail I have not received a response.
Consumer complaint received 2023-06-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I hereby lodge a formal complaint against XXXX Bank and Portfolio Recovery for practices that I assert violate the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My understanding, in accordance with the agreement I signed with XXXX Bank, was that all disputes pertaining to my account would be settled via arbitration. However, to my dismay and without my permission or involvement in any arbitration process, XXXX Bank assigned my loan to Portfolio Recovery, a collection agency. Their subsequent response confirmed my suspicions ; they no longer held the debt, which had been passed on to a collection agency. I contend that this act not only breaches our contract but also infringes my rights as a consumer. 

Upon discovering this issue, I promptly reached out to XXXX Bank, expressing my intention to resolve the debt directly with them. Yet, despite my eagerness to do so, XXXX Bank declined my request to pull back the debt, which, in my opinion, was sold in an unlawful manner. Moreover, during this transaction, XXXX Bank disclosed my personal information to Portfolio Recovery without my approval, an act I insist violates FCRA Section 604 ( a ) ( 3 ) ( F ), which mandates limits on the dissemination of consumer data absent a legitimate business necessity. 

Subsequent to this acquisition, Portfolio Recovery has subjected me to harassment, exerting pressure to collect the alleged debt. They have called my phone multiple times within work hours, even going as far as contacting my workplace directly. They went ahead and threatened to report the debt to credit agencies if I failed to comply. In order to halt further harassment and potential damage to my credit report, I reluctantly felt compelled to pay Portfolio Recovery. 

I firmly believe these actions contravene FDCPA Sections 806 ( 5 ), 805 ( a ) ( 1 ), and 807 ( 5 ), which respectively prohibit causing a telephone to ring or engaging in telephone conversation with the intent to harass ; communicating with a consumer regarding debt collection at their workplace ; and threatening to take an action that is either legally impossible or not intended to be pursued. 

In view of these issues, I call upon the CFPB to delve into these matters and enact suitable measures to protect my consumer rights. I further implore XXXX Bank to erase this account from my credit report immediately, as I am convinced it was sold and reported to the collection agency in error.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF ED/XXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED  XXXX Balance : {$200.00}
Consumer complaint received 2023-09-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-09-05
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: Paypal Holdings, Inc (TX)

There was a transaction I did not authorize to XXXX XXXX XXXX XXXX and I was denied a refund. I did not make this purchase and as we know fraudsters are getting better and I have not received any tickets which further shows this was a fraudulent transaction. 
I submitted a fraud claim and was denied on the same day this transaction happened. Please refund my money immediately! 


Transaction ID XXXX Transaction date XX/XX/2023 XXXXXXXX XXXX PDT Merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (TN)

There was a transaction from XXXX  wherever that is for {$220.00} on the XXXX XXXX I got y'all to contact them since they wouldn't answer the phone. They finally contacted me about 7 days ago. They said they would send questions for their investigation, and I would have 10 days from the date of that call to return it if I wanted a provisional credit while they do their investigation. I have gotten no letter, and I have e-mailed them twice with the email I had to ask for with no reply.
Consumer complaint received 2023-12-31
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (CO)

I dont have the dates and amounts because wisely has blocked my online access to my account after I reported fraudulent activity. They finally sent me a new card and went over transactions on the phone that i disputed totalling over {$3000.00} Then required id verification which I submitted my id, social security card, marriage license and still they say my id is not verified because my name is under my prior married last name which my account was previously under and my direct deposits that come to that account are under that name. My wisely accounts under my new married name which they changed with the same documents they are denying now. I cant view charges after my phone was missing then returned to me. Someone had taken money out via cash app since my logins were saved. Wisely told me Id take 90! fays to resolve but has not contacted XXXX XXXX  or anyone and denied the dispute. In XXXX I lost my card traveling and called wisely right away when I noticed a charge come through. They denied the disputed charge. My card was used online to book a hotel and wisely denied the dispute. None of which they investigated at all but find nothing wrong with the charges. They refuse to give me online access or mail me documents regarding my account.
Consumer complaint received 2023-11-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (TX)

Debt collection has been calling me continuously 2 times a day for the past couple of months even though informed them not to contact me. Because I didnt answer they proceeded to report the debt to my credit that was already there since XXXX. Now I have two different collection agencies on my credit trying to collect the same debt. One collection debt was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (NV)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}
Consumer complaint received 2024-04-25
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2024 I was purchased an item on XXXX. Tracking information is updated on the item with XXXX. The seller charged tracking information to make it look like the package has been delivered when it hasnt. 

I contacted PayPal credit report the seller as fraudulent. Ask for the money back, but on XX/XX/2024 the money was charged back to my account. They said they will go to seller coz the package was delivered. 

A similar situation of fraud happened to me before, I lost the dispute when the seller charged the tracking information ( initial tracking was fake ) and they showed item is delivered. When I reported the item not delivered. I lost my dispute and money.