davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I purchased a money order from Chase bank for {$560.00} to make a child support payment. When I asked the teller for a money order, she asked me to insert my bank card into the reader and enter my pin. At that point she could see my account and had it open. I paid for the money order with a debit charge of {$5.00} and the {$560.00} was debited from my account that day, I am not wealthy, so I keep a close eye on my finances, also I am running a small business from the same account, so I keep an account of every penny spent. 
As luck would have it, I misplaced the money order, filled out to the child support agency and in a stamped envelope. I immediately called chase to report it, they directed me to the branch where I purchased the note and get a new one. 
On XX/XX/XXXX I went into the branch in XXXX AZ, where I bought the money order and approached the same teller at the same window. I told her my story, she looked up the money order and said it was " processing '', looked concerned for a moment and then said she could not find any money order bought by me on XX/XX/XXXX. She said she saw the previous month, but not XX/XX/XXXX. I did not have the receipt with me at the time. I called and emailed XXXX XXXX the branch manager, She told me that the money order did not exist. I looked in my account and it was GONE! 
Later, I found the receipt. The story changed from XXXX XXXX after I showed her the receipt and a photocopy of the actual money order. 
Later, some good Samaritan found the stamped envelope and mailed it. My child support arrived and was cashed. Imagine that, a money order that doesn't exist being cashed ... 
Chase bank then proceeded to tell me that the money had been originally debited from someone else 's account and that they were going to recover the funds from my account, and that the XX/XX/XXXX money order that magically vanished was now found, but I had never paid for it. and sure enough, they did. 
So to recap, I bought money order on XX/XX/XXXX. I saw the money taken from my account. I lost it on XX/XX/XXXX. I made it to the XXXX branch on XX/XX/XXXX with no receipt. They told me the money order never existed, and my personal records don't match the bank 's suddenly. Then I emailed XXXX XXXX my receipt. XX/XX/XXXX the bank has a new story. I have records of everything and point out the holes in her story. now, XX/XX/XXXX XXXX XXXX will not return my calls or emails. I have repeatedly asked her to write me an email with a detailed explanation of what happened or some evidence of her claim. She refuses and will not communicate.
Consumer complaint received 2023-05-13
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: DISCOVER BANK (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Good morning, I have a small business and am having a repeated problem with Bank of America. 
Is it possible for your agency to help me in any way? 
Basically, I make large deposits from wealthy clients into my checking account. NONE of these checks have ever bounced. 
But, just because they are over {$5000.00} the bank likes to sit on the funds for a couple of weeks. The funds clear the sending bank and are in the possession of Bank of America within 24 hours but BoA likes to enjoy that float for a couple weeks, while this small businessman has no access to my funds to keep my business going. 
I have complained to XXXX XXXX, CEO of BoA repeatedly about this and I always get the same results : 1. Someone from 'Executive Appeals ' office contacts me and wants to look into the matter. 
2. They take the information and eventually confirm that all is good. 
3. They eventually release my funds to me " as a favor ''. 
This process usually takes several days while I am dealing with hours and hours of forms, calls, emails, etc. over day after day of bureaucratic garbage that ends with a promise that my account has been notated and the famous last words ... '' this won't happen again ''. 
Well, here i am again as it seems to happen most every time. 
This is a killer for a small business, especially in these times of a slow economy. 
Is there any way you can motivate Bank of America to stick to the promises of the people and NOT sit on my money for so long? 
Thank you for anything you can do to help me. 
Gratefully, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (OH)

I dont know. I never use PayPal. I might have used it once or twice in 20 years but I want to know where XXXX dollars plus change comes from. For years, I have been receiving unknown, mysterious emails about some problem with PayPal. Whether its not to go near that website or that I owe money or some other unknown correspondence that I have no recall. I pay all my bills on time. This must be at least 10 years ago at least if I even did this which I doubt it.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-01
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OR)

There is information that on my consumer report is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block and delete such information made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. 
XXXX. Acount name : XXXX XXXX Account number # XXXX XXXX. Account name : XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX. Account number : # XXXX as well as the following inquires XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX Code XXXX Block of information resulting from identity theft I demand this information to be block and removed from my consumer report with in 4 days from the date of receipt of this notice. 
added FEDERAL TRADE COMMISSION identity theft report # XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I am writing to bring to attention a collection account that was reported on my XXXX XXXX report in the month of XXXX by Jefferson Capital SY. The account is attributed to XXXX, with an alleged opening date of XX/XX/2023, and a balance of {$4200.00}. 

I want to emphasize that I have never opened an account with XXXX or any other service carrier, as I have been part of my family 's plan for as long as I can remember. It is impossible for there to be an account under my name with XXXX. Additionally, I can provide evidence to prove my whereabouts on the day the account was supposedly opened to prove that I was not the one who opened this account. 

I have never received any communication, either by email or mail, from Jefferson Capital SY regarding any attempt to collect a debt. This collection has taken me completely by surprise as I am certain that I have never engaged in any business with XXXX, whether in-store or online. 

The response I received regarding a dispute I submitted through XXXX XXXX was that the information in question was deemed accurate ; however, this situation is now raising suspicions of potential identity theft. 

I want to highlight that my credit has been frozen for a couple years, and it was only temporarily unfrozen several months ago for employment purposes. This recent development has led me to believe that there may have been unauthorized activity on my credit profile.
Consumer complaint received 2022-12-27
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. (MO)

XX/XX/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

My rights have been violated several times.

The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C. 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written instructions.

According to 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 2020-06-11
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. (CO)

My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and Equifax has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the Equifax XXXX data breach.
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

This is regarding the Public Service Loan Forgiveness program In XX/XX/XXXX I applied for forgiveness of my federal student loans under the Public Service Loan Forgiveness program ( PSLF ) ; however, on XX/XX/XXXX I was denied participation in the program because I had consolidated my loans. According to FedLoan Servicing, by consolidating my loans the loans are no longer considered Direct Student Loans and therefore not eligible for forgiveness under PSLF. In XX/XX/XXXX, I had consolidated my direct and XXXX XXXX XXXX loans with XXXX XXXX in order to better afford to repay my loan obligation. Since the PSLF program was not yet an option, I could not have anticipated that consolidating my loans would prevent me from participating in a program instituted at a future date. When the PSLF program was announced, I determined that I would remain employed in XXXX XXXX until I became eligible to participate in PSLF. I have now been working in XXXX XXXX for nearly 20 years, but would have made different career choices had I known that my former direct student loans were not eligible for discharge. After the FedLoan Servicing 's denial, I contacted them about next steps and was flippantly informed that it would take an act of Congress to get my loans discharged! I have kept my end of the bargain. I have traded years of service in XXXX XXXX and years on-time payments of my student loans for the promise that my loans would be forgiven in XX/XX/XXXX. Can you assist in obtaining forgiveness for my formerly direct student loans? Thank you. XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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: Early Warning Services, LLC (CO)

My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and XXXX has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX  credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the XXXX 2017 data breach.
Consumer complaint received 2020-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Flight Date : XX/XX/2020 Flight Itinerary : XXXX XXXX XXXX XXXX XXXX. 

Description of Problem/Inquiry/Comment : The airline cancelled the flight From XXXX XXXX to XXXX via XXXX. Policy at time of ticket transaction was refund to original form of payment in the event of a cancelled flight. Purchased through XXXX. Only emails received indicate airline credit, not refund, in violation of the policy. Spent hours on the phone-XXXX XXXX   saying Entitled to refund but XXXX must refund as they are agent. XXXX saying XXXX must refund as the ticket was billed directly by XXXX XXXX. They then said they will send in the request to process with confirmation guaranteed in 48 hours. 96 hours have passed. Ticket number XXXX. Disputed with credit card company who stated in absence of the airline offering a refund by documentation they will not do anything. In other words, they are not protecting us.
Consumer complaint received 2019-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2019 XXXX XXXX XXXX pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit file.
Consumer complaint received 2022-12-26
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. (MD)

On XX/XX/2022 I sent a Letter to Delete Inaccurate Credit Information. I am dispute a late payment and Validate of one Account. I first letter i receive back Transunion Accuse me of being a credit repair company. I responded back with this ( That my request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. ) I receive the 2nd letter from transunion saying they can't process my request because they were unable to determine the nature of it.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MS)

I have been trying to login to my target ( Manage my Redcard account ), for several days now to no avail. Keep getting error message stating user name and, or password incorrect. I have tried several times to change password, resubmit password, change user ID, resubmit user ID, to no avail. I have called several times on XX/XX/2020, spoke with three target representatives and one supervisor, was sent a link to " reset '' my password, and the link does not work. I changes my password as requested, still can not login, still receive error message, " user name and, or password incorrect. ". I have tried to get the matter resolved to no avail, thus I can not use my credit card online to shop or manage my " redcard account '', ( i.e., make online payment, shop, etc ). They sent me a case number to refer to and I did but still can't log in to my account, case # XXXX. I called and spoke with someone ( I could not understand their language ), the represenative could not understand English too well, so my problem went unresolved.