davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking 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 2023-01-16
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: Experian Information Solutions Inc. (NY)

My name is XXXX 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 2023-06-11
Product: Credit card or prepaid 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. (AZ)

On XX/XX/2023 I purchased a car unit from a company in NY called XXXX The car unit was very low quality and did not operate as advertised by the company. I called the company and requested a return. They sent me a return order with the details. I returned the item exactly how they wanted. I paid for the shipping myself. According to USPS, the item was delivered back to them and received by an individual that went by " XXXX XXXX  ''. The tracking number ( XXXX ) was provided to the company and they said I would receive a refund within the next 24 hours but never did. 
At that point, I went to CHASE and requested my money back by disputing the transaction. I provided CHASE with proof that the item was delivered back to the company ( Merchant ) and was signed by an individual that went by XXXX XXXX ( The company name ). CHASE provided me with credit but then, later on, called me to provide more proof that I sent the item back. I told them I have already submitted an official printout from USPS and a conversation I had with the company where they said they would provide a refund but never did. The CHASE Rep said they would investigate and send a letter.

I had no doubt this was settled since I had paid USPS for a signed delivery and the delivery was made to the exact company it was meant to be delivered for. 
However, CHASE Member Services sent me a letter saying they are removing the credit because of the merchant 's claim that they never received the item. EVEN THOUGH I SENT CHASE EVERYTHING THAT SHOWS THE MERCHANT 'S CLAIM TO BE FALSE. I will attach all the documents here to whoever will be reviewing this. FOR THE BIGGEST BANK IN XXXX TO MAKE SUCH A SIMPLE MATTER SO COMPLICATED IS BEYOND INEXCUSABLE.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by XXXX upon completion of your investigation.
Consumer complaint received 2023-07-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 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 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 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol One has refused to comply with The State of New York 's 25 % interest rate on New York Based and registered Banks for which Capitol One is a State of New York Based entity operating as a financial lending institution. 
A payment of {$110.00} submitted to Capitol One ( the required payment request from Capitol One as posted on the bill ) applied {$22.00} principle towards the account holder bill and the rest in interest so the account holder only gets {$22.00} credit for a {$110.00} payment. 
The Account will take over 20 years to pay back {$3000.00} This is predatory lending and does not comply with New York State Banking Laws. 

Capitol One Has refused to adjust or correct this matter.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc ()

In XXXX this year, I was on a business trip to XXXX XXXX , USA. Due to work reasons, I needed to extend my stay in the US. I searched for hotels on XXXX and was recommended XXXX to book my room. After booking and submitting my PayPal information, I received notifications from my credit card bank indicating charges. I received two text messages indicating identical charges, and my total credit card balance decreased, which made me suspect a double charge. I immediately reported this to PayPal. Without my consent, PayPal canceled my payment to the hotel booking platform. However, I was unaware that my booking was canceled until the day before I was supposed to check in, when I checked the hotel information and found my reservation had been canceled. Since my hotel booking was non-refundable, I immediately called the hotel platform. The platform advised me to contact PayPal. When I contacted PayPal, they did not resolve the issue. I received an email from the hotel platform and immediately replied, requesting that my reservation not be canceled. I explained that the cancellation was done by PayPal without my consent. Despite my attempts, I never received a response from the hotel platform, only repeated identical email messages from them, which ultimately led to my inability to check into the hotel.

I have made multiple attempts to contact PayPal and submitted my refund request, but to this day, the issue remains unresolved. PayPal has never seriously investigated or understood the problem, merely inquiring about my order with the hotel platform. The cancellation of the order was not initiated by me but was processed by PayPal without my consent, leading to my inability to stay at the hotel. I now demand that PayPal refund the hotel charges for the stay I was unable to complete and apologize for their negligence in handling this matter.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (PA)

Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8600.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 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 2024-05-21
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. (PA)

I disputed this account over the phone with Equifax around two weeks ago and informed the agent I spoke with that I needed an authorized user taken off of my XXXX XXXX XXXX, XXXX account. I called to do this because the authorized user on the account ( my younger brother XXXX XXXX ) disputed this himself online to remove. They denied his dispute saying the account belonged to him. Same as with XXXX. They both said I would have to remove him myself. So I called both, first XXXX told me I had to remove him with the original creditor, which I did. XXXX has removed him from the account. I called back XXXX and they removed him from the report. Called Equifax and they said they would do the same. Now yesterday, XXXX XXXX my brother who lives with me received a letter in the mail from Equifax. Denying the request to remove him from the account AGAIN! So I just called Equifax and the agent was not really helpful, she could not understand that I took my brother off the account and they need to remove him. She spoke English very well but did not seem to comprehend it as much. So I hung up and am just handling it on the CFPB. 
Remove XXXX XXXX as an authorized user on my XXXX account and remove it from his credit report immediately. The original creditor has removed him already, you would have seen that if you did your due diligence and actually investigated the account as XXXX did. Which is weird, don't you both use the same databases? That's besides the point, remove him from the account. You should have removed him when I called and asked you to, he's an authorized user with no accountability for the account. You are a credit agency you should know this better than I do, I can't believe this has gone on this long. Call XXXX for your verification that you still have not done but lied and said you did. They will have no record of him on the account. Deleted.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting 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 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 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 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 2023-03-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  XXXX Account XXXX XXXX Account XXXX : XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

The complaint is about unfair charged fees at TD Bank. 
I have a checking account at TD Bank. I opted for paperless statement and had maintained my balance above the minimum requirement ( {$100.00} ) to avoid any fees. 

Without my knowledge nor consent, TD Bank changed my preference to 'Paper Statement ' on XX/XX/2014 and charged me a {$1.00} service fee. This charge brought my balance under the {$100.00} minimum requirement and TD Bank has been charging me a monthly fee of $ XXXX/month ever since. 

Right now, TD Bank has wiped out all my balances on the checking account and claims that I owe them {$48.00} in unpaid fees. 

I request that TD Bank cancel the {$48.00} they claim I owe them and return the {$100.00} original balance I had in the account.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (NC)

I applied and was able to open a XXXX XXXX XXXX had my money placed there and all of a sudden it was closed. I had to travel XXXX hours to the nearest branch, submit a birth certificate, license, ss card, proof of address. They still denied me and would not tell me why my account was still restricted. After speaking with XXXX different reps, the fraud department told me they would not send my money to me they would release it to the state in unclaimed. Everytime i call, I am placed on hold for hours and there is no reason my account should have been XXXX XXXX XXXX in the first place. I have provided them with a birth certificate, license, proof of address several times and they still refused to send my money.
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states " Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}. 
I have not lost hope for your company to understand my dispute. Hoping for a positive response. 
NOTE : At the time of purchase, retailer failed to provide their return policy. 
Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt. 
Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (AZ)

I was injured at my job. My job didnt pay me any workers compensation. They fired me. 
I was in a super small apartment. Instead of giving me a XXXX bedroom at {$1200.00}, XXXX XXXX XXXX  XXXX XXXX, il tried to keep me in my {$900.00} studio at {$1400.00} after fees for being month to month. My lease had already expired. I put in a XXXX day notice. I left XX/XX/22. 
In the year I had multiple break-ins theft and harassment happen. My car was broken into. Jewelry and identification and cards were stolen. When I asked to have my locks changed they didnt fix them. They left my door in splinters with a key that only had XXXX tooth on it. They added garage fees to the total when I never even received a garage key. 
I dont owe XXXX XXXX  anything.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am extremely upset! Bank of America is Charging me XXXX overdrafts fees in the amount of {$35.00} each. I get direct deposit, and the money comes in regardless a. They continue to still charge my account with extended overdraft fees, and it 's a lot of money for someone who does n't have {$250.00} to throw away in overdraft fees. I 've been told about Bank of America doing this to their customers, and I should have listened. Now I am the victim of it, and it horrible. XXXX item goes through, and your being charged so many fees! What a joke of a bank this is. I ca n't wait to close this account. WARNING!! Do not open an account with Bank Of America. This should be called the Bank of Fees for Americans!!!