davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AR)

I opened an XXXX XXXX XXXX in XXXX which included a trial of XXXX XXXX for 30 days, beginning on XXXX XXXX. On XXXX XXXX I was charged {$11.00}, on XXXX XXXX {$11.00}, and on XXXX XXXX {$12.00} for a total of {$35.00} for XXXX XXXX. I was not sure how to cancel this membership which I did not need, want or use, so I sent them an online message on XXXX XXXX and asked them to credit back the charges. On XX/XX/XXXX they sent me about 34 pages of documentation, much of it repetitious, supporting the charges they had made. I sent them another message explaining that I had not used the service during the 3 months I was charged and asked again for credit. They replied that I should call them, which I did on XX/XX/XXXX. When I called them, the service rep would not discuss anything about the dispute, but told me that the dispute was still ongoing for another 30 days. Meanwhile, I was charged interest of {$1.00} on XX/XX/XXXX and sent another online message disputing that charge. They did refund the interest on XXXX, but then charged it again on XX/XX/XXXX. When I disputed the 2nd interest charge, they told me the case was closed and they would not refund the interest. I was never allowed a chance to discuss the issue on the phone or furnish them with evidence that although I was charged for 3 months of XXXX Membership, I never used the service. I have attached proof in the attached emails that I never used the membership.
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Has violated my rights. 
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 2019-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

On XX/XX/XXXX I checked my credit report and noticed that Mercantile Adjustment had placed an account on my credit reports. I filed a dispute and the credit bureaus said that the account was verified as correct. I sent a debt validation to Mercantile Adjustment on XX/XX/XXXX via certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ) as of XX/XX/XXXX I still have not received any proof of validation for the debt. It is still being reported on my XXXX credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXX {$720.00} to " XXXX '' XXXX shows several complaints about this merchant. 
I've never owned or purchase anything related to pools or hottubs. This is a fraudulent purchase. This was my " Chase XXXX  Visa '' and may have been compromised in the XXXX hack. 

Chases rebill department is unavailable to tell me why I'm being rebilled.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (FL)

I have a FDIC account in my HSA ( health savings account ) with Optumbank. Website does not work and has been down for days. Called customer service ( XXXX ), and supervisor ( XXXX ) to access funds. They did not help. Only stated i could try to access website some other time. Not acceptable to prohibit access to an FDIC account for days. Please investigate Optumbank.
Consumer complaint received 2019-03-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The auto loan officer said in Words, which were recorded on their end, that my loan would start on XX/XX/XXXX and not to worry about signing although it said XX/XX/XXXX because I'll put some notes in there saying to change the loan to XX/XX/XXXX and now they won't do anything about it. 

Principle of being lied to and having to spend money earlier than expected. From a large company. This type of action or lack of reaction from there organization only makes me plan to close all my accounts asap.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-12-09
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. (VA)

Initiated a billing dispute on XXXX/XXXX/21. Have not received provisional credit for the dispute. In attempts to inquire about status, I have only been informed that someone will get back to me. 

In a second credit card account, I redeemed a promotional offer whereby credit card company was offering 20 % back at a merchant. Despite meeting all terms, credit for the 20 % offer has not posted to account. Inquired and was informed would be within 7-14 business days, which has since passed. A second inquiry only advises that I would receive a response within 14 days.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

I have an open loan with Freedom Mortgage, I have been trying to refinance my mortgage. When it came down to the final paperwork, after I had received a higher appraisal they upped my fees. I contacted them about this. They said they had been working on it a long time and they deserved those fees.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NY)

On XX/XX/2019 I requested made an online credit line increase for my Discover credit card account number ending in XXXX. I proceeded through the process of answering several questing pertaining to my finance until I reached the step where I was given an option to continue by clicking " OK '' or " CANCEL '' to the statement " a further review is required, do you agree to hard pull ''. I immediately selected " CANCEL '' and did not receive any further message regarding the request. Several minutes later a received alerts from both XXXX and XXXX XXXX that there was a recent credit inquiry on my account. I accessed those two credit reporting companies where the Discover Card Inquiry appeared. After contacting Discover Card, I was initially told by the representative that she did see the request did not proceed and apparently cancelled. After further disputing with that agent she directed me to a supervisor who agreed to initiate a dispute to XXXX to remove the Inquiry. The inquiry was definitely unauthorized.
Consumer complaint received 2019-03-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BQ & Associates, P.C., L.L.O. (NE)

I was contacted by collection agency Brumbaugh and Quandahl ( in XX/XX/XXXX ) out of XXXX, Ne re :  XXXX XXXX XXXX student loans. I began monthly payments to BQ and in XX/XX/XXXX the debt was settled. My dad took a check to their office in XXXX. I received a generic letter stating the debt was settled. Fast forward to XX/XX/XXXX, I am trying to complete my XXXX degree. I need to secure grant money in order to used my employer 's tuition reinstatement program. I completed the FAFSA and was told I have 2 Student loans in default. I provided the clearance letter to XXXX University and was told there is not enough information on it. I contacted BQ and was told the case has been closed so long there is nothing they can do to provide specific evidence of clearance. If this is not settled fast I will loose the {$2400.00} I become eligible for between XX/XX/XXXX as it must be used before XX/XX/XXXX, the XX/XX/XXXX-XX/XX/XXXX tuition assistance from my employer. I have read that XXXX XXXX XXXX was suing to collect debts they could not prove. BQ or the servicer never reported clearance to the Dept of Ed.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-06-05
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. (NV)

Company fail to investigate my dispute, they just sent the information to creditors without reviewing my statements. 
I have several issues with employees on this credit bureau. 
Spoke with supervisor and they fail to do what is required by FCRA.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

I had a check for {$16000.00} that was sent to the IRS for tax payment. It was made out and mailed on XX/XX/2019 and cashed on XX/XX/2019. The IRS stated that they haven't received the funds although it was cash by the IRS. The endorsement on the back of the check is different from the check cashed in the previous year. I was sent a claim form that required the IRS to sign the form which is almost impossible to get. In my initial call to Chase the IRS agent was on the phone and provided her ID # and stated that the check wasn't received. I have tried for 4 hours to get someone to sign the form but that is almost impossible. See that Chase is the largest depositor or transfer of funds to the Treasury in the world it should be easy to identify if those funds are in the possession of the Treasury or refunds me the funds that enabled fraud to happen at their back because the endorsement states that Chase cash the check.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

During XX/XX/2019. Bank insisted they owed me XXXX $ + for my overpayment I never claimed that I paid the bill twice I watch the app everyday. They early on believed I paid twice. They showed a credit. I reviewed my numbers and could not see that I had a credit due me. When I called I was told they would send me a check and cure the issue. XXXX XXXX I said no because I could not see that I had overpaid. Weeks later with the large credit still showing on the app I called again and was told they would send me a check. I said Send it. They did. I cashed and used the money for a trip out of the country and later saw that they had not adjusted my account so I called again and I was told that I owe the money. I said well you sent me the money and this is getting very confusing. Its me an individual consumer against the billion dollar banking company and against very sophisticated computer structures. 
I asked my self was this really an error? Is it possible by a billion dollar bank to make this error? 
I called the corporate resolution department and spoke to XXXX XXXX. He stated that I owed the money and also said at least 6 times that Citi made the error. I was on a recorded line and made him repeat the words. He maintains that I still owe the money because I received the goods and services. I maintain that throughout this ordeal I did absolutely nothing wrong. I acted in good faith with absolute honesty. They did make the error. I spoke to the corporate resolution department .He said I owe the money. He said at least 6 times that CITI made the error. 
I am also contacting XXXX because this card is the affinity card between XXXX and Citi. I was harmed by their negligence. They sent the XXXX XXXX I spent it on a vacation and now they want it back. 
I am using every avenue available to seek recourse and that includes the court system.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This dispute is with Trans Union. Specifically, the following adverse Public Record, Chapter XXXX Bankruptcy reported by Trans Union on XX/XX/XXXX. XXXX XXXX : XXXX. Statements of fact : This Chapter XXXX Bankruptcy Petition was filed and subsequently dismissed without the petititioner obtaining a discharge. Creditors were not discharged during the administration of the case. Common Practice : According to the credit reporting agency : " The bankruptcy record from the court is deleted either seven years or 10 years from the filing date of the bankruptcy depending on the chapter you declared. ... Chapter XXXX bankruptcy is deleted 10 years from the filing date because none of the debt is repaid. '' Court records, attached, verify this was not the case with the listed bankruptcy. Debt owed to creditors was repaid. The Chapter XXXX Petition was Dismissed/Administratively Closed, not Discharged. This is a distinct difference. 
Previously, Trans Union reported they had verified the referenced Bankruptcy with the Federal Bankruptcy Court venue wherein this case lies. However and to the contrary of the Trans Union claim, the US Bankruptcy Court has stated [ " they do not verify cases to credit reporting agencies. '' ] I have requested the US Bankruptcy Court to verify this in writing with the Court Clerk Seal. Consequently, Case XXXX, qualified to be stricken from my credit report at 7 years, XX/XX/XXXX. It is now@1.25 years past the qualifying date to strike this notice from my Trans Union Credit Report. This adverse reporting is directly impacting my ability to obtain a XXXX XXXX loan. I can now demonstrate damages, I have standing to bring the case and given the numerous requests to Trans Union on the same issue and discoveries at hand, this matter appears ripe for class action litigation.
Consumer complaint received 2022-07-21
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)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of information this information is impartial and is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2024-02-29
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. (GA)

In accordance with the Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Amount : {$2400.00} The account holder should provide the original instrument of debt with signature that I am a debtee of theirs and I have not received any proof. 15 USC 1681 Section 602A states I have the right to privacy and according to 15 USC 1681eb, they are supposed to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Because I do not owe XXXX XXXX XXXX XXXX and have never signed a contract of agreement to debt with them specifically, the debt should be removed immediately from my credit report.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diverse Funding Associates LLC (IA)

I had a missed call with a voicemail from an XXXX company. They kept calling me and so I called them back. I spoke to a gentleman who told me that they had been sending me emails ( I don't receive emails to that email address ) I then asked for proof of debt which he then hung up on me... I called back to talk to another associate and a woman answered the phone. She said that they have been sending letters to my house but I have not received any letters from them. I explained to her that we've had about four different mail carriers in the last year and she got real sarcastic and said I apologize. That's my fault... She then started getting real upset and using foul language... Which then I told her to quit harassing me especially when they will not send me proof of debt with my signature on showing that I have signed for the loan or credit card, whatever it is...
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I opened a citibank checking account on XXXX XXXX, 2021. I tried to transfer money I deposited into that account to my other checking account with a different bank but it didnt work. On XX/XX/XXXX I called customer service because my account wasnt working and was told it was locked because they couldnt verify the cancelled transfer. I was told to wait for a letter with a reference number to verify my account so it could be unlocked. They mailed it out on XX/XX/XXXX and I got it on the XXXX, so I called back. My account was unlocked but I still couldnt log into my online account. On XX/XX/XXXX I called customer service again because my account was locked again with no warning. I was told that the service representative failed to follow proper steps during the verification process so they locked it again. I was also told that my account would be closed and when I asked about getting the money in it, I was told I would get a check in 1-2 months. I was also told I would get a letter explaining why its being closed but still havent received that. I inquired about getting the check sooner but was told to call another number. I waited some weeks and called the number on XX/XX/XXXX but keep getting hung up on with no answers about the check.