davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
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: OneMain Finance Corporation (PA)

I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment. 

Account : Spring Leaf Fin XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX? 

In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (TX)

Went to Chase bank to send {$1900.00} to the XXXX. Asked to wire and was charged {$50.00} for wiring, was done today XX/XX/XXXX. Now reading the small letters the officer did not tell me that the money will be available in the XXXX on XX/XX/XXXX, and that there may be charges by the bank in the XXXX ... 
How come wiring takes 8 days and was not told about it? So Chase bank uses the money for 7 days? very sad non professional practice by the bank
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (NJ)

What happened? 


I sent a letter XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE XXXX SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (GA)

I mailed off dispute letters to XXXX, XXXX, and Equifax on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Please be apprised that LVNV Funding LLC XXXX XXXX Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " XXXX XXXX XXXX '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

On or about XX/XX/2021 I opened up a savings account with TD Bank. They had a promotion which would give you {$200.00} if you deposited {$20000.00} in their savings account. I did this but never received the promotion. The terms of the the agreement were as follows. You must have kept the money in for over 90 days you couldnt have received a promotion from a savings account at any time. I comply with all of these requirements. The bank stated that I had to be Offered this promotion however this is not true and its not listed in any of the requirements.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

On XX/XX/2021 I logged into my Chime account only to be promoted with a message that it has been closed or temporarily suspended. 

Apparently they closed my account because I added an accent ( ) over the e in my name like so : They told me I needed to send in name change information for this but it is the exact spelling of my name Ive never been married or changed it.

They also asked for social security & ID which I sent immediately.

Several days later I have not received any further information about my account that was basically closed for no reason & I have no access to my funds.

This is an extreme inconvenience & Im very truly disappointed in this organization.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

Prepaidgiftbalance.com is a scam. For XXXX my elderly mother purchased over {$1600.00} worth of cards - XXXX cards total - from XXXX ( XXXX ) in XXXX, UT. When we went to use them EVERYONE had already been spend at a XXXX in California ( we all live in Utah ). 

The XXXX web site does not assist with this issue online. They make you call XXXX. It took almost an hour to reach the first customer rep who " cancels '' the cards ( which is pointless, they've all been fraudently used and have a XXXX dollar balance ) and then transferred me to a " senior Fraud Specialist '' - well that's a joke. I stayed on hold for almost XXXX hours. 

There is no way to get help. My brother in law held for over XXXX hours and did get someone on the phone. She said it would take at least 90 days to resolve and she would be sending paper work out to him to fill out. But when you look online there are THOUSANDS of people that were not able to get help. 

This is outright theft.
Consumer complaint received 2016-09-17
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM)

I made a purchase on XXXX XXXX which involved a Money-Gram ( Walmart ) money transfer. after remitting the funds, the next day, I received an email from XXXX XXXX requesting additional funds for " Shipping Insurance ''. There was no mention of any insurance prior to purchase. I sent emails to both parties ( seller & XXXX ) requesting to cancel the transaction and refunding my funds. I receive no replies from either party. I have been SCAMED by someone posing as XXXX XXXX. How do I take legal action to retrieve my funds?
Consumer complaint received 2021-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

Despite making payments towards my student loans, my XXXX tracker is showing that my XXXX Loans have only XXXX qualifying payment, while my XXXX loans show XXXX. There is no explanation for the discrepancy of the counts. I have owed these loans for the duration of my employment for a non-profit organization and have made monthly loan payments during the entire duration of my employment. Both of these counts should be XXXX payments.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received a phone call from Chase regarding possible fraudulent activity. I was asked if I had made a purchase at USPS for {$480.00} to which I responded no. They then asked of I had made two different transactions at a XXXX Atm for {$43.00} each time. I responded no. I was told not to worry I would not the responsible for these charges and that they needed to file a claim to return the money into my account and that it could take several days. I checked my account and 2 days later I seen two credits for {$43.00} and two non chase atm fees of {$2.00} were returned into my account but not the  {$480.00}. I called chase to find out why and was told that it was denied. When I asked for a supervisor she placed me on hold and said the request was done incorrectly and had to be redone. I said fine. Later I checked my account again to see if there was any other activity and found I was being double charged for XXXX for several months. I called XXXX who said I had two open accounts. I explained I should only have one and asked for information as to who opened it they refused to tell me. They said to call Chase and report it as fraud. Which I did. Chase then indicated they can only go back 60 days to return the money and to call XXXX to have them report the fraud. I call XXXX back and they decided to close the extra account and refund my money. I called chase to advise them. I was told unfortunately since it was reported as fraud there is nothing they can do with my report and that the fraudulent charges on XX/XX/XXXX ( {$480.00}, {$43.00}, {$43.00} and the two {$2.00} non chase arm fee ) were denied because there was fraudulent activity on my account since XX/XX/XXXX which I never reported. They also claimed that I said I lost my debit card and therefore there was nothing they could do for me. I even called the executive office and they still denied giving me my money back. Had I known reporting the XXXX charges would cause an issue with the actual fraudulent charges on XX/XX/XXXX would have never reported it. However, from when I called them on XX/XX/XXXX I was told the claim was denied. Seems chase just is looking for the easy way to deny giving me my money back from my account which they failed to keep safe. Someone created a fake atm card and found out my pin and was able to take {$570.00} out of my account. I think it is unfair for me to not get my money back when it was fraudulent charges! I want them to investigate and get this person arrested! I want my money back!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (IL)

I am sending my police report to Experian, XXXX, XXXX, because I will like for this account to be remove of my report immediately. there are other accounts that I am not responsible as well. but I will send them in due time. but for now, I will like for XXXX XXXX to be remove form my account it has hindered me for 2 and a half years now. number XXXX in the amount of {$3300.00} this account been open since XX/XX/2021 collection XXXX derogatory mark on XXXX please remove it. Experian same as well derogatory, account number XXXX, remove of my credit report XXXX please remove this of my credit report derogatory.
Consumer complaint received 2021-12-17
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. (CA)

XXXX XXXX IS Reporting a balance of {$2000.00} on a closed account since XX/XX/2013 with a monthly payment of {$24.00}. TransUnion will not update account that has been closed over 7 years.
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed 2 transactions with Bank of American both from XXXX XXXX XXXX for products not received. At the time I also requested that B of A place a stop payment for any further transactions. From XXXX XXXX XXXX. Both of the initial transactions were placed as follows. 

XX/XX/XXXX in the amount of {$99.00} XX/XX/XXXX in the amount of {$290.00} Both of these transactions were settled and the temporary credit was made permanent. 

On XX/XX/XXXX Bank of America allowed a recurring transaction to go through my account in the amount of {$290.00} from XXXX XXXX XXXX. 

I disputed this transaction on XX/XX/XXXX and the Representative confirmed that the initial agent did not follow my instructions to Revoke Authorization for XXXX XXXX XXXX to process recurring transactions. I was told I would receive a temporary credit by XX/XX/XXXX until the matter was resolved. 

I did not receive the credit and called to follow up on XX/XX/XXXX. Bank Of America has told me that the investigation can last until XX/XX/XXXX and they will not credit my account until the matter is resolved with the merchant. 

Bank of America holds a Fiduciary responsibility to me as an FDIC insured account holder and has not managed my funds as directed or responsibly. 

It is Bank of America 's responsibility to Refund the {$290.00} transaction that posted on XX/XX/XXXX as they failed to Revoke Authorization to process payments from XXXX XXXX XXXX as directed.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account was submitted to Cfpb on XXXX/XXXX/XXXX, as a collection report on my XXXX Credit Report. As of XXXX/XXXX/XXXX, this acct. was removed from XXXX. I am requesting that Transunion also remove this as well. The company did report that it would remove this acct. from collections. Company placed these accts. in collections for dates of service : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These were for injections for my knee weekly @ {$600.00} per injection. Prior authorization from office manager told me that they would accept whatever my insurance company paid and I would not have any additional charges sent to me. The company has agreed to remove the {$330.00} charge and submit it as closed. They have only submitted to XXXX and still have this collection showing on my Transunion Credit Bureau.
Consumer complaint received 2022-02-04
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-12-02
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. (MI)

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : XXXX, TransUnion, and XXXX, XXXX XXXXXXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score.

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately!

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2024 opened account XX/XX/2024 new card was stolen from mail XX/XX/2024 fraudulent transactions and deposits were made to my account, after everything was cleared, they mailed new cards XX/XX/2024 I went to grocery store at XXXX am and my card got declined XX/XX/2024 I tried to pay online for a XXXX jacket and card got declined again I called Bank of America and was told that hold was placed on my account but they cant provide the reason for the hold, I asked for a supervisor and was transferred to XXXX XXXX he refused to provide his last name ) in fraud department, who also said that there is freeze on account but denied to provide any explanation on to why. I went to a branch in person, same result. In the evening I received XXXX emails from Bank of America : XXXX ) my payment was declined due to insufficient funds ( but there were funds ) XXXX ) that all my future payments have been canceled
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Hello, Ive received another harassment call from a collection company not willing to id themselves however its pretty clear that they are referring to this debt. I have already filed with Colorado small claims and look forward to seeing you in discovery where I will give you a copy of both phone recordings and go over how I feel USAA is using its power to transfer a debt unlimited times to keep harassing me. 

Im new to this so I guess I get to give you the summons myself. Would you like to receive it via email or I do I have to fly down to you hand this? 

Looking forward to meeting you XXXX.