davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I sent a payment to a man named XXXX XXXX with PayPal. The pay again icon in my PayPal account was used. I paid XXXX XXXX a year ago for hosting a website. XXXX said he did not receive the payment and was about to take down my website so I paid him again. The second time I entered his email to pay and did not use the pay again icon. 

XXXX received the second payment. Upon trying to get the first payment refunded PayPal said I must ask XXXX to refund me because the transfer was personal and completed. 

XXXX said the email that was associated with the first payment was not his. PayPal 's database had used another XXXX XXXX email as recipient. Not the email I sent a payment last year. PayPal refuses to credit back the payment and the wrong person will not answer my emails or refund the payment.
Consumer complaint received 2023-05-18
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. (NC)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
The items are listed below that need attention : 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 Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX Balance : {$0.00}, XXXX, XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I noticed an unauthorized checking account open without my consent ending XXXX, and also noticed unauthorized and incorrect balance of XXXX incurred in the credit account ending XXXX without my consent or acknowledgement. Please provide proof of authorization in the mail no later than 5 business days.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

C/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada XXXX Before beginning, Im sure XXXX one more pic ... 
Today, is say I walked into the b of a on XXXX to get cashtobuy weed at my fav store XXXX  on the trip but I got nothing better to do with my life XXXX  in XXXX then request you do your jobs. Question, when you as in the fedgovt brings XXXX once it becomes my cash in my bank account besides you guys knowing Im XXXX who the XXXX i they think they are for not allowing me to take out XXXX XXXX when I firgot my IDS and as before in nys XXXX  and I. The United States for a withdrawal slip of you dnt remember youracct number they ask for your ssn then I wrote my name and city and state my account opened. Doesnt bank of a have a XXXX dollar rule about casss like that? So mr manager XXXX hey its vegas and Im XXXX how cliche he was a total XXXX was that necessary?
Consumer complaint received 2023-01-07
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-08-13
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. (MN)

They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (GA)

I called Diversified Adjustment to see what the collection was about and they stated I had a XXXX  account. I informed them that I have never had a XXXX  phone before, let them know was a victim of identity theft and ask them how much was owed. The lady told me she felt like it was my debt and that I needed to pay them {$800.00}. I told her I would not pay that debt due to its not mine, but I would try to settle with them since she would not remove the account off my credit report. I have been going back and forth with them for about 2 years now. The account has no payment history, no balance information, no type of info about it on my credit report but it shows up as a collection. I asked them to verify the account and she could not other than saying XXXX  said it was mine. I would like this account to be removed ASAP.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

Called and escalated on XX/XX/XXXX at XXXX and XXXX PST as to why my debit card was closed and a new one was opened without my consent. My existing card ending in XXXX was not scheduled to expire until XX/XX/24. I escalated to management, they could not explain why a new card was issued. No changed to checking account and no changes to card limit ( POS/ATM withdrawal ). This was a fraudulent activity on behalf of chase. A huge inconvenience as they offered no immediate alternative to accessing my funds.
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (TX)

I disputed an account ( XXXX XXXX XXXX listed on my credit report. I have been disputing it for a month. Its not my account. i have submitted my lease, my electric bill and various other evidence showing i never lived at the the address XXXX XXXX  is trying to collect for. Experian has chosen to ignore all the evidence, plus the fraud alert and multiple notices saying my SSN has been compromised from their own company and kept this fake account on my record damaging my credit. I also have spoken with reps throughout this process and submitted information. I spoke with a rep on XX/XX/20 who stated that the creditor XXXX XXXX   had not responded. It should have been deleted when I was on the phone. Experian is violating the FCRA by keeping this account on my credit and not investigating.
Consumer complaint received 2024-03-19
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. (TX)

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. 

Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2024 BECU credit card withdrew, without my consent, {$110.00} from my BECU checking account to pay their credit card. This account was not 30 days past due, and I have not authorized this transaction. 

Furthermore, I requested that it be returned and this financial institution refuses to return my stolen funds. 

A credit card company and a credit union are to be separate institutions. They should operate separately and should not be stealing funds without authorization from the owner of those funds. BECU stole funds from its credit card customer and applied them to a credit balance without consent of the customer. This is piracy.
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I initially made a payment to XXXX XXXX  in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX, XXXX issued a refund for me, for an item purchased XX/XX/XXXX. The original card used ended in XXXX. The card was replaced with XXXX. XXXX issued the refund to XXXX, rather than the new TDBank card ending in XXXX. I have been calling TDBank daily starting at XXXX EST., checking on the refund. Some TDBank representative would say, yes they see the old card, with NO refund, others said they did not see the card, and the card must have been purged. I KNOW that if a debit/credit card has been replaced, and there is a credit or refund to the old card ; based on " SECURE PROTOCOLS '', ( SOX-Sarbanes-Oxley Act ) banks claim to enforce, in my case TDBank, protect customers, and easily identify debits or credits, from the old card/account. The ripple effect has surpassed {$140.00} per day, in overdraft fees. ( {$35.00} per overdraft ). Current overdraft {$980.00}. I have an audit trail of communications to XXXX, regarding the issue. I call TDBank at least 3 times per day, utilizing their voice recognition through the " XXXX ''. TDBank should have a voice audit trail, as well as the recorded calls quality. I am XXXX, and on a fixed income. The past two days, has had me stuck in XXXX, with severe XXXX. Please help me. Let me know if you need any additional information from me. ( See Attachments )
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

I currently own an XXXX XXXX XXXX Credit Card. For the past year, I have not been able to log in online and access my account. I have called customer service and each time I speak to a customer care representative, the actions and answers to help resolve the solution have all been inconclusive with " technical glitch '' or " please contact customer care. '' All actions they advised and instructed were steps, I have done on my own as the website typical recommends and prior to calling Customer care. Representatives have also admitted to me, they " are working on resolving the online access. '' However, this seems to be false as it has been over a year since I have NOT been able to log into my account. Any attempts to reset my password, again, states, " technical glitch '' and to " try again. '' All attempts, consistently unsuccessful. 

On my last call with a customer care representative, in XX/XX/2023, after first requesting assistance to access my online account ( again ), I requested to reactivate and receive paper statements since access to my online account was not possible. The representative proceeded to state, the only way for me to reactivate paper statements is to login into my account. This clearly indicated the company and representatives position to keep customers out of their online account and making any changes. 

No confirmation emails, surveys or documentation to prove my attempts calling Customer Care at Comenity BankXXXX XXXX XXXX XXXX were ever sent from them to verify my calls or attempts.
Consumer complaint received 2020-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I initially made a payment to capital one in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly capital one has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Discover closed both credit cards I had with because I missed the deadline for this company to do a irs consent form for my taxes. I was told this could be fixed by doing the IRS consent form 4506-c from XXXX. Since I know I did my taxes in 2020 I went ahead and submitted the form back on the XXXX of XXXX. I waited for a month and haven't gotten no response from neither the IRS or discover. After not getting response I was told I would have to restart the process so, I did the submission for the 4506-c form again on XX/XX/XXXX, the same exact process that discovered required which was via email. Once again, I've waited another month expecting a response from someone and took the initiative to call discover on a weekly basis about this matter. Every representative told me that it's processing and to wait. This issue is still continuing till today, I've called discover again and they had me repeat the process for a THIRD time and I made sure it everything was correct by going to my 2020 tax transcript. I called IRS trying to see if I can figure out why it is taking so long for a response when I was told it usually takes 14 business days, whereas, I'm having to wait 3+ months. Discover has really put mine a bind with this situation and I really need this to be resolved with my accounts being reopened especially when I'm trying to do my part on the matter.
Consumer complaint received 2020-08-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

When receiving a letter from XXXX XXXX XXXX about a credit card that I supposedly took out. I reached out to the company via letter after going back and forth about it they would not produce documentation about the credit card account. They would only send me an account summary that was with the Name XXXX XXXX nothing from the original like I had requested and is my right under federal law. 

I also sent a letter to Experian and they mailed me a letter with only a summary showing the account as updated but did not provide any type of documentation like I had requested either. 

If you need all documentation that I have sent and received. Please let me know. I can scan and email them over to you. 

I sent a response to both companies today XX/XX/2020
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (AL)

Vehicle that was under loan from Navy Federal Credit Union was a XXXX XXXX. The XXXX was involved in a no fault auto accident resulting in total loss of the vehicle. Gap insurance was purchased for the vehicle from the lender by the customer at the time of the account opening ( XX/XX/XXXX ). The open auto account should have been closed and paid in full in XXXX of XXXX by both GAP insurance and XXXX auto   insurance. Subsequently the customer discontinued payment for the account after notifying the lender/submitting disposition from insurance provider. The lender took an additional FOUR months to close the account, resulting in " unpaid '' balances totaling {$2500.00} ( four payments of {$620.00} ). The lender ( Navy Federal Credit Union ) failed to act in a timely manner to update the application of GAP insurance to the account, and made no attempts to resolve the complaint with the consumer. The customer notified the lender of the total loss in XXXX of XXXX, the account was not affected/updated until XX/XX/XXXX. This irreparable damage should be litigated. In lieu of litigation the customer is seeking for the debt to be waived and removed from the credit report as a means of satisfactory resolution. It is unlawful for this credit reporting to go on, as this debt is the fault of Navy Federal Credit Union.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (MI)

Fraudulent charges and was immediately altered but charges keep coming and overdraft fees too! Over {$2800.00} in fraud charges allowed but account balance was only {$700.00} and didnt have funds available. Should have been alerted and stopped but I luckily noticed it the day it showed pending on account and called bank. I have a case number. About 3 direct deposits have been made to account and because of negative balance, can not access any money. Paychecks and social security arent available so XXXX dollars to spend
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (OR)

On XX/XX/2020, I deposited a {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX, a federally recognized Native American tribe. 

Chime cashed the check without any issue. 


On XX/XX/2020, I deposited my second {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime cashed the check without any issue. 


On or about XX/XX/2020, I deposited my third {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' There is nothing " unrecognized '' about the format of the check. 

It is the same exact type of check I have deposited to Chime two separate times. 

I then received my fourth coronavirus relief payment from the tribe and attempted to deposit it on XX/XX/XXXX. 

Chime, once again, rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' Once again, there is nothing " unrecognized '' about the format of the check. It is literally the exact same, apart from the check number, as every other check I have received from the tribe. 

I have attempted to reach out to support about this multiple times, both via chat, phone, and email, and have not once received anything resembling an attempt at a resolution. 

They are unable to tell me what was " unrecognizable '' about the check, and even when speaking with a supervisor, they just tell me their " check department '' says the check is " unrecognized ''. 

This is vague and unhelpful, and because Chime has registered an attempt to cash the check with the associated check numbers, XXXX XXXX, another financial institution, is " unwilling to accept the risk of cashing the check due to the appearance that another institution ( Chime ) may have already cashed it. '' I am pretty sure this issue boils down to something stupid like Chime 's " check department '' misreading the check number and/or thinking these are duplicate checks. 


I was able to deposit the check from XX/XX/XXXX into my mom 's bank account ( with XXXX XXXX XXXX  ) as a one-time courtesy, but they are not letting me endorse the check from XX/XX/XXXX over to her, and I am unable to open a bank account with another institution at this time. 

Essentially, though, Chime has made it impossible for me to obtain the money on this latest check, and as these are coronavirus relief checks I am UNABLE to have them reissued.
Consumer complaint received 2023-01-01
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions