davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/2021 I deposited a payroll check for {$2300.00} into my checking account with Chase Bank. This resulted in my accounts ( checking, savings, and my kids checking accounts ) being restricted and then closed on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive my money from the bank, when I call to check on status of the check being mailed they say it has not been released to be mailed. 

I am now 30 days without my payroll check. Their initial statements of the check being bad caused me to leave my job for a week until I saw that the money was fully available in my account. 

I am now out my XXXX and Im getting charged late fees and reconnect fees from my utilities companies as I struggle to make ends meet without my payroll check.
Consumer complaint received 2021-12-22
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. (MD)

After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Four Directions Lending LLC (NV)

On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. The date was XX/XX/2022, for the amount of {$200.00}. More than 60 days after, I requested that West Side Lending stops debiting my account.
Consumer complaint received 2021-12-22
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: Alpha Recovery Corp (OH)

earlier in the year my ID and social was stolen out my car and my purse was trashed, i didnt think that they would use any of my information until i started getting letters in the mail saying i owe money ( {$2000.00} ) and ( {$120.00} XXXX XXXX XXXX they took out payday loans in my name XXXX XXXX & some app named XXXX XXXX? and getting XXXX letters from prepaid cards in the mail. to clarify i ONLY have XXXX XXXX XXXX. any other bank listed is not me. please help me im just so shook up because im only XXXX i dont want them distributing more of my information and ruining my credit. or them potentially making me go bankrupt. im really worried.i have the letters from XXXX XXXX  in person, my parents told me the best option was to contact you guys. thank you.
Consumer complaint received 2021-12-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/21 my card was charged for {$20000.00} at XXXX different apple stores in XXXX XXXX days after I lost it at a bar in XXXX. I filed a fraud dispute and was credited the amount during the investigation. The bank then returned and denied my claim because I visited the store where the fraud was done and a PIN was used. The amount was put back on my card and is still there now 6 months later with no update to the claim. My response was its a credit card which has no pin and anyone who owns XXXX products which is half the world is subject to going to an XXXX  store. I then filed a police report # XXXX for them to pull the cameras and realize it was not me. Since the police report has been sent over I am yet to get an updated response and removal of the fees. I have called a few times and still no update.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2017-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (KY)

Transworld Systems Inc sent me a debt collections bill in the amount of {$64.00}. I do not owe this alleged debt. I have called Transworld Systems Inc, and they have used abusive and hostile communication tactics. In addition, the Transworld Systems customer service representatives have repeatedly hung up on me multiple times when I have called them. Transworld Systems Inc has repeatedly violated the Fair Debt Collections Practices Act with their repeated abusive and hostile debt collections tactics towards me. I do not owe this alleged debt nor do I want any further communication from Transworld Systems Inc as they have repeatedly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection tactics.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo reversed a claim i reported of my card being used fraudulently. i have a police report that documents fraudulently charge of {$82.00} and {$240.00} from a Hotel in XXXX XXXX IN. My card was lost/stolen to use these funds. I ask for a refund ASAP PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX CARD XXXX PURCHASE AUTHORIZED ON XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX IN XXXXXXXX CARD XXXXXXXX
Consumer complaint received 2023-02-28
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX : - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX, XXXX XXXX XXXX IN 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 an account without my written instructions.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights under 15 U.S.C. 1681-2 ( 2 ) ( 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. 
On Wednesday XX/XX/XXXX, the case was brought before XXXX XXXX XXXX regarding RI XXXX XXXX Acct XXXX XXXX that was being disputed due to incorrect amounts, balance transfers that were time-barred and other issues. 
Per the enclosed court transcripts, between Myself, The Judge, XXXX XXXX XXXX XXXX XXXX and Special Assistant Attorney from Attorney General 's Office. XXXX  XXXX XXXX stated they have put a hold on any collection activities, including trying to collect money from me, shutting off services or reporting the account to the credit bureaus. I have repeatedly asked that the incorrect {$10000.00} amount be pulled from my credit reports. None of the credit bureaus have removed it, nor have they stopped falsely reporting it. 
Today, XX/XX/XXXX, XXXX am, I spoke with a customer service representative from the XXXX XXXX XXXX XXXX XXXX, regarding Acct # XXXX whose listed as reporting the false information, per my credit report. She told me that XX/XX/XXXX XXXX  XXXX Cancelled the Contract from their office, yet they have not stopped reporting it as a collection debt due, though they were legally advise to stop!!! 
I demand that this falsely reported account be immediately removed from all Credit Bureaus ; XXXX, Experian, XXXX and any others that might be falsely reporting this inaccurate information. XXXX, XXXX, XXXX and XXXX XXXX!!!
Consumer complaint received 2024-02-27
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (MA)

I found XXXX dollars of fraudulent charges. Called Direct Express they shut off card took 17 days to get a new card. The paperwork took even longer to get to me. With the new card they were suppose to put money lost back on card for me to use. They didn't do it. The money taken was every XXXX I had. Today when I called they said the money won't be returned til XX/XX/XXXX XXXX! I've had more problems with direct Express. I need my money. I'm on XXXX. Thank you.
Consumer complaint received 2017-06-10
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: DISCOVER BANK (TX)

During the month of  XXXX   XXXX ,  XXXX  i traveled out of town from   XXXX   to  XXXX   XXXX ,  XXXX . During this time i was gone from college for   XXXX   XXXX  . However a few weeks after i got back i got a letter from  Discover  saying i was denied a credit line increase request. I never authorized this as is why i claim it fails to establish " Permissable Purpose '' as noted in the FAIR credit reporting act. I have been with discover for nearly a year and a half. In the past i submitted an aplication in  XXXX  and my credit card application in  XXXX   XXXX . I have never had an issue with the company up until now. During the year  XXXX  i found an error on my   XXXX   credit report of a company named "  XXXX   XXXX    XXXX   ''. I had never had contact with this business as is why i disputed and placed alerts on all my reports. I extended the alerts and the companies are notified that i have to be contacted before extending any credit. After filing a previous complaint discover insists i made this credit line increase request. I will continue to dispute that i authorized the request because i did not apply for any credit. It is to the best of my knowledge to state i still have  those alerts on my files. I recently received correspondence from Discover Executive office of Customer Advo cacy, stating they will not remove that information.
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. (NC)

I have a Fraudulent Account on my credit reports for XXXX, Equifax, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : Medical Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$410.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$1800.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$900.00} Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I understand XXXX is being recognized as a national holiday and all major financial institutions are closed on today XX/XX/2023 but thus doesn't explain why I'm unable to make any purchases or withdrawals from my XXXX XXXX account which I have more than enough to withdraw without overdrafting. My card has been working just fine until today XX/XX/2023. I'm concerned in regards to any prejudice or financial criminals making my financial life difficult. I visited XXXX different arms the air MESSAGES were for me to contact my financial institution, due to XXXX I'm unable to contact anyone. I have absolutely no way to get gas nor any other emergency purchases if needed. I'M stuck unable to purchase or withdraw during a national holiday due to no fault of my own
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

A student loan that was taken out in XXXX and went delinquent in XXXX is now being incorrectly reported on my credit. The accound was paid and that even currently shows on my credit report. This month the account was incorrectly reported on my credit by XXXX Bank. This account was paid years ago. However XXXX is reporting it charged off from the date THEY took over the account. In XXXX XXXX suspended all student loans and it was then transferred to XXXX. XXXX took it upon themselves to incorrectly report the date they took it over as being charged off. This is breaking the law. I want this info removed from my credit report effective immediately. I hope the CFPB can look into this way of reporting that Truist is doing as it is going again the FCRA. The the delinquent charge off was in XXXX and is well beyond the 5 year of statue of limitations.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (RI)

Chime has had a hold on my card for {$300.00} they said it would be released within 7 days, but have yet to release the funds to me. Ive tried contacting them over 6 times and have gotten hung up on 4 times because they are unwilling to help or release my funds within the timeframe they told me.
Consumer complaint received 2023-04-05
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. (SC)

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 2022-12-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (PA)

My name is XXXX XXXX. I've worked hard as a mother, sister, daughter and professional. My linked in is XXXX XXXX I woke up XXXX XXXX morning o find my husband dead XXXX XXXX XXXX. Since I have been dealing with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during this time I was evicted illegally. Since I have been homeless in XXXX XXXX. I was XXXX  robbed XXXX  and XXXX XXXX. With no access to family or a phone I used XXXX XXXX  phone. He kept my information. Set up anytime alerts changed all of my contact and login information on an account that I have had since XXXX. NetSpend allowed this to happen. Allowed this felon to take {$14000.00} from me. Because I used his phone and we lived in the same area they found no error. I submitted a police report. He used his name to send XXXX XXXX His name on XXXX and over XXXX, on XXXX. It is winter I have nothing no home no money no food no winter clothes. Please help me get the money back I need to use to start over with my XXXX XXXX XXXX son.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I initiated a bank to bank transfer from XXXX to Wells Fargo on XX/XX/XXXX. The money was debited on XX/XX/XXXX and XX/XX/XXXX, it still did not reflect. I called Wells Fargo and they told me that I can cancel. I cancelled and then called to XXXX to ask about timeline for returned funds. XXXX representative on XX/XX/XXXX told me that he sees that it was cancelled and it will take 1-5 business days to be returned. 

Today ( XX/XX/XXXX ) I called XXXX and they said they don't have any funds. Wells Fargo said they don't have any funds. {$6000.00} is missing from my account ( stolen practically ) and I was told to file some paperwork to dispute it by fax or mail. 

This is basically fraud committed by banks to steal someone's hard earned money.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (GA)

on XXXX XXXX, I received at my private residence, a debt collection letter from a company named credit control. I have never done any business with this company, I haven ever authorized them to contact me. They are sending harassing letter about a debt I do not owe. This has caused me great stress as I do not know how much information they have on me. Why they have this information and who are they furnishing this incorrect but also PRIVATE information to.
Consumer complaint received 2021-12-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (FL)

the bank offers an extra day for us to make the deposit and once again I felt cheated. I had an account to be debited today and they send an email saying that there is this period and they don't give the extra day at all. my account came back, I lost my service and I will still have to pay interest because the bank says give it a day and even sends an email confirming it but nothing happens. are playing with the consumer. this is already the third complaint that I make here and after solving all this because I felt aggrieved, I'm going to look for another bank because in this bank my money does not yield anything, not to mention the absurd fees they always charge.
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ASSURANCE FINANCIAL GROUP, LLC (LA)

My home was totaled in hurricane IDA. The extent of my damages were over XXXX. My insurance company payed XXXX which doesnt even replace the roof. So I hired a lawyer. We successfully settled for XXXX. The checks went to the mortgage company now they will not release the checks for the lawyers and a contractor I had hired. And I put money in my home out of pocket. No one would help me so I couldnt pay mortgage and the repairs and I had no where else to go so I put what I could into the house changing Sheetrock and windows and floors. So they currently have 2 checks for a total of XXXX and are not releasing the funds. Idk what else to do. I need to get this roof finished so I can do the interior. Its been XXXX years Ive been dealing with this camping out Im basically homeless because without those funds I cant fix my home. I am living in it but its poor conditions.
Consumer complaint received 2023-02-28
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. (FL)

Submitted a loan forbearance in XX/XX/XXXX due to hurricane Ian and Nicole. During the months of XXXX and XXXX our credit report showed late. I called in XXXX and was advised it would be adjusted. XXXX was marked paid, XXXX was reporting late again. XXXX I called again, they said they would fix the problem. Again, fixed and then immediately report late for the following month. Removed forbearance in XXXX of XXXX. Spoke to customer service who advised me that it would take 2 weeks to review the file and we will be notified if the payments are added to the end of the loan. Come XXXX we still see no change to the balance owed, called multiple times with all different answers. Finally advised I need to fill out the loan modification documents. Completed that on XX/XX/XXXX. After multiple requests for our forbearance and for credit report to be fixed, neither have been done.