davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (MI)

I fear that I may be a victim of Identity Theft!! The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. Subsequently, how is that possible if Experian had two different social security numbers attached to my file? This is grounds for removal of all negative accounts and inquiries on my report, they also violated my rights under : 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.

Also, the Credit bureaus had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. That damage will forever be irreparable due to the high interest rates, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report. 

Experian has updated the social security number for my account, but Experian is still reporting accounts that were mixed into my account. At the date of this letter, so far it has taken more than 17 days to complete my investigation. 

Here are my certified mail tracking number ( s ) : XXXX ; XXXX
Consumer complaint received 2015-12-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (CA)

Construction Loan Company ( Greensky ) released {$1000.00} to XXXX XXXX XXXX ( contractor ) without costumer 's ( me ) authorization or any work done. As soon as I got the first loan statement, I called the loan company to complain about the unauthorized released funds and to put a stop payment to any other non-authorized sums. Greensky kept sending the statements showing the {$1000.00} balance for several months ; after contractor failed to do any work on my property I cancelled the project or contract. I called the loan company to file a complain ; they reviewed the complain and for several months I did n't hear from them, then three months ago they started sending the statement again. When I called them, they claimed the {$1000.00} was now a cancellation fee! I have spent hours in the phone with them trying to solve the situation, I agreed to make a payment by phone because they threaten to damage my credit report ; they also said that if I paid they would n't charge any interest on the loan ; but now they are also charging interests. So I called them and I said that I was disputing the bill and that I would file a complain with the CFPB. The loan company says I have to deal with the merchant ( contractor ) and try to get the money from them ; but in my cancelled contract it said that it was illegal for the contractor to collect funds for work no yet completed. Greensky released the funds without my authorization for work that was not done.
Consumer complaint received 2022-10-11
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 (IL)

On XX/XX/2022 a payment was taken out of my bank account in the amount of {$410.00} I contacted my bank CHIME who informed me that it isnt nothing they can do about this. But I could put in a stopped payment for this company. Between XXXX XXXX XXXX 2022 a stopped payment was put in by speaking with a XXXX with CHIME via chat. XX/XX/2022 CHIME allowed the same company that I put in a stopped payment for to still withdraw from my account in the amount of {$120.00}. I have contacted CHIME XX/XX/XXXX and disputed the transactions. At that time a XXXX stated he would put a stop payment for this company, I informed the rep to NOT do that UNTIL someone could inform me what happened with the last stopped payment I submitted.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX, XXXX and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS
Consumer complaint received 2016-12-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (CA)

I had taken out a payday loan of {$5000.00} on XX/XX/XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX XXXX XXXX XXXX for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called XXXX XXXX XXXX XXXX. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NE)

I made a payment to my chase credit card from my Chase checking account. The funds are not available either in a checking or Credit card account. There is no eta was given to access my funds of XXXX XXXX
Consumer complaint received 2020-09-28
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. (TX)

THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN  XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT XXXX  AND TRANSUNION SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.
Consumer complaint received 2024-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I paid off a private student loan on which I was the cosigner with Navient on XX/XX/XXXX. I asked for a letter that day stating I had paid it off. They said I had to wait 30 days. I did. Neither I nor the cosigner ever got the letter. The only information on their online site shows a loan called " XXXX XXXX XXXX XXXX XXXX  '' has a XXXX balance but this page does not show a date or full account number. I have called four times requesting a letter or email with this information but they refuse to send it. They say they will mail one but they never do. This company is the lowest form of predator on earth and have made the last decade XXXX XXXX XXXXXXXX. I want written proof that I am finally free of them. Without that, I know they will resurface some day and say I still owe them money. Please help me.
Consumer complaint received 2023-06-30
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. (AE)

15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( s ) XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Account ( s ) XXXX and XXXX XXXX XXXX Account ( s ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.
Consumer complaint received 2020-08-10
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: Experian Information Solutions Inc. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX   XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$64000.00}
Consumer complaint received 2020-09-25
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. (MI)

There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with XXXX, XXXX, and TransUnion since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or Navient. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!
Consumer complaint received 2023-02-09
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. (MO)

Please be aware that I am a Consumer that has some about a dispute that I sent on XX/XX/2022 and I have not heard from or received any documentation back from my dispute. I disputed this repo and Under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e. False or misleading representations ) since I disputed a debt and they fail to report it as disputed to the credit bureaus that a violation and must be deleted my from consumer reports. They failed to issue the notice of dispute. I disputed a bankruptcy that on my Consumer Report from XXXX because I never received the Validation of proof that the repossession of the subject vehicle was legal in Accordance with the following UCC : XXXX  ) 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX ) 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. XXXX ) 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX ) 9-506. EFFECT OF ERRORS OR OMISSIONS By Law, they are legally responsible to provide me with any and all copies of the legal documents and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MS)

On XX/XX/22, I sent XXXX separate transactions of {$300.00} each to an individual through Zelle purchasing a video game system. He had already provided a tracking number and said the gaming system was overnighted and would arrive the next day. After I sent the first {$300.00}, he claimed he did not get it and that there must be something wrong with my bank. So having never used Zelle, I unknowingly sent the {$300.00} again. The next day both amounts had posted to my account. I then found out that this person had sent a counterfeit tracking number. He kept calling asking me to send more money and assured me that the zelle amounts had been refunded but they still have not.
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (AL)

I have sent three letters challenging the accuracy of this account one on XX/XX/XXXXXXXX  and the other on XX/XX/XXXX and one on XX/XX/XXXXXXXX  and yet still no response. Both XXXX  and XXXX  deleted this alleged account because of many inaccuracies. The data furnisher also failed to validate this account, yet somehow Equifax has still managed to verify. They violate my rights under the FCRA by doing the following : Violation 1 : They failed to place this account as in dispute status Violation 2 : They failed to provide to the person who provided the information in dispute all relevant information regarding the dispute Violation 3 : Failure to provide complete and accurate information I have provided provided a screenshot image to proof of how Equifax has been misreporting this account. In XXXX of XXXX they have me as being on time which is then immediately followed by two 120 day late payments in XX/XX/XXXX an XX/XX/XXXX. If it was reported correctly shouldn't it say 30 days and 60 days late for those account payments? 

I also include a copy of my last letter sent on XX/XX/XXXX to Equifax Number :XXXX
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WSFS FINANCIAL CORPORATION (DE)

I made a payment to my WSFS Visa card via electronic transfer from my WSFS checking account on XX/XX/XXXX. Typically, it takes them 3 days to clear, so I waited before contacting them. When I did contact them, they stated that they only apply payments at the end of the month, but that I could call the XXXX number on the card if I need it processed sooner. 

On XX/XX/XXXX, I called the number on the card. After spending XXXX minutes on hold while the customer service rep investigated, he determined that he could not do anything about it. So, I am now 11 days in on making a payment from my WSFS checking account ot my WSFS credit card and they still have not been able to apply the payment.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (NY)

Discover Card just sold my personal information, they had from a deleted account. They sold my information to XXXX XXXX XXXX. This is the beginning of more harassment and intimidation via constant phone calls from XXXX XXXX XXXX who wants me to tell them my name and info or they will continue intimidation tactics like unlawfully reporting old deleted accounts. Discover card has not provided me with a 1099C has requested, nor have them shown a contract between the name XXXX XXXX AND DISCOVER CARD. They are essentially selling my name, address, and social security number, and keeping my personal information as a asset for life, continuously selling old accounts to debt buyers, without providing anyone with a 1099c showing the debt was discharged almost 2 yrs prior. I am seeking damages for violations of the Fair Credit Reporting Act, Fair Debt Practices Act, and The Fair Credit Billing Act.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (PA)

I have tried to transfer funds several times from my us bank reliacard to my bank account. I have called customer service, they could not see any reason for the transfer failure and was told that my issue was being escalated and I would receive a call. I have not received that call in over 24 hours. I was notified by text that the money was available in the account XX/XX/.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (HI)

Wanted to pay an invoice through Paypal as a guest, but Paypal created an account without my specific authorization, and stored my credit card information without my authorization. 

Using this alleged service is very troublesome, confusing, and dishonest on the part of Paypal..
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (CA)

I have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.
Consumer complaint received 2020-09-28
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: EQUIFAX, INC. (CA)

I have been a victim of ID theft and have since filled out a FTC report. The three CRAs, yes all three. Have been allowing companies to report charge offs on already closed and charged off accounts. Making the total for each account upwards of 15 charge offs. This I know is not only happening to me. The fact is a charge off is a closure and sale of an account. Not the closure and sale of an account and unlimited amount of times. This has severly hurt my score and ability to get credit from any business. There investigations also never return to me with any information on the accounts I dispute. There for their is no information they can actually say the CRA is using to report the claim as accurate.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I am Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX, have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds on hold by us bank with out any authorization or merit. Us bank Corporate office placed a hold on are XXXX XXXX XXXX XXXX XXXX, Us bank account last XXXX XXXX on XX/XX/2022. Us bank 's unfair & discriminating actions, violate, XXXX  XXXX XXXX Practices XXXX XXXX, California Deceptive Trade Practice act protection, and the California unfair Competitive act protection laws by Placing a Us bank business account hold on XXXX XXXX XXXX XXXX XXXX, Us bank account number XXXX, preventing all the board of directors access to XXXX XXXX XXXX XXXX XXXX, {$21000.00} XXXX XXXX.
Consumer complaint received 2023-02-10
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. (DE)

There was a promotion for my chase freedom unlimited card holders which is called my chase plan. Where for a single transaction it could pay installments. 

I set up this feature. And chase bank generated the statement on XX/XX/XXXX of which due date was XX/XX/XXXX. 
And XXXX setup a payment from XXXX on XX/XX/XXXX which was returned. And then Chase again re run the payment on XX/XX/XXXX and it went through successfully. So the XXXX statement was paid before the due date. 

Due to some issue with Chase bank system they posted the amount twice. And generated a wrong statement on XX/XX/XXXX. As I saw the transaction have been posted wrongly online, I called chase on XX/XX/XXXX and informed. They asked me to wait until next statement processed. And I called again on XXXX I called with the XXXX statement about the error. Customer service representative took my complaint seriously and promised me to fix it. 

As it was not resolved I called again on XX/XX/XXXX and let them know. They told me previous person who recorded the complaint had a mistake so they couldn't fix the statement and he is going to fix it and will be fixed by XX/XX/XXXX. 

I didn't see the correction on my account so I called them on XX/XX/XXXX. Now they say that they can not fix the statement as it was already generated. 

I tryed to file another complaint for what happened and the customer service representative or her XXXX who answered on XX/XX/XXXX is not helping to resolve their accounting error.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CA)

ON XX/XX/2023 I WENT TO THE XXXX XXXX ATM LOCATED AT XXXX XXXX XXXX, XXXX XXXX CALIFORNIA AND WITHDREW XXXX XXXX DOLLARS FROM MY ATM DEBIT CARD ENDING IN XXXX AT THE TIME THIS WAS MY LAST WITHDRAWAL AS I HAD ALREADY WITHDRAWN A TOTAL OF XXXX FROM THIS ATM, THERE WERE SOME RALLY SHADY PEOPLE OUTSIDE SO I JUST WITHDREW THE MONEY AND IMMEDIATELY HID IT SO THAT THE HOMELESS PEOPLE WOULD NOT SEE IT. WHEN I GOT TO MY CAR AND COUNTED IT LIKE TEN TIMES I REALIZED THAT THE LAST WITHDRAWAL OF XXXX MUST OF SHORTED ME SIXTY DOLLARS BECAUSE I ONLY HAD XXXX WHEN MY RECEIPTS SHOW XXXX. I AM A SENIOR CITIZEN AND I AM RAISING XXXX SMALL GRANDCHILDREN. I NEEDED THE CASH TO GIVE TO MY GRANDSON THAT IS IN COLLEGE, I NORMALLY WOULD NEVER WITHDRAW THAT MUCH OUT AT ONCE. PLEASE HELP ME GET MY XXXX ASAP THANK YOU