davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I took out a personal loan with XXXX XXXX on XX/XX/19. I paid the loan off on XX/XX/19. Trans Union and XXXX both have that I still owe $XXXX. I contacted XXXX XXXX and they told me that they reported it paid off on XX/XX/19. It was last updated on my report on XX/XX/2019.  I spoke to a rep at Trans Union and they said that the amount they have is correct.  They attachment shows it is not correct and neither credit bureau have updated the account since XX/XX/2019.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (FL)

on XX/XX/XXXX my bank charged my account a XXXX XXXX fee for a garnishment fee. My account is serviced by my SSDI payment, the only source of my income. There is never XXXX months of deposits in it, because as soon as I receive my payment I pay bills, buy groceries, ect., this leads to only having between XXXX XXXX to XXXX XXXX left in the account by the end of the month. The only reason my savings account has any money in it is because I have XXXX XXXX on the XXXX  of the month transferred into it in order to try to save something. Usually before the end of the month it is internally transferred back to my savings account because I need groceries.gas, or medication. According to Section 207 of the Social Security Act of 1939, XXXX months of my monthly payments are protected and if there is less money than that in the account a garnishment fee can not be collected, period. So, does transferring money from my checking account into my savings account make that money fair game, even though it is still part of my social security payment. It does not seem right. I have stopped the automatic payments into my savings account. At XXXX XXXX a month it will take another XXXX months to wipe out a negative balance. I know XXXX XXXX does not seem like a lot of money but to me it means a world of difference.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

To start with I have attempted 7 times now through various channels to resolve my issue however the bank simply avoids responding to the actual issue by citing irrelevant information that pertains to changes made to the account after the actual incident occurred and those changes would not have taken place if the bank had not assisted a secondary signer with fraud and account takeover of my companies business checking account to begin with. I had a checking account with TD Bank and at some point without my knowledge the bank allowed a signer and employee of mine to change the signers and owner of the account in effect removing me as owner from my own checking account and they refuse to assist me since I am not on the account anymore although the changes made were unauthorized and according to bank policy what took place should not have been possible unless all signers were present which I was not or by closing the account and opening a new one which did not occur since the account number has not changed. The signer that removed me from my account is now deceased and the probate court has ordered the signers now to be changed to the personal representatives and this is the banks response but I want to know how I was removed from my account to begin with by the now deceased individual so a response related to the latest changes is not acceptable nor does it address the issue.
Consumer complaint received 2018-04-17
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. (MD)

On the XX/XX/2018, I received a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

This situation is over a leased cellphone buyout from XXXX. I overpaid for my leased phone and wanted that overpayment to go to owning the phone. I gave them excess money and cant even get a refund for it. I decide to cancel my service. I request a return package to send my phones in. When I finally received it I returned the phones and moved on with my life. Next thing I see is a charge for the full amount for the phones. I call XXXX up and verify they received the phones before asking if I owe anything. They look it up and see the phones were received I said ok cool and hang up after confirming my account was cancelled successfully. This XXXX bill saying I owe them for the phones must have been an error. I later receive a collections flag on my credit, I found out by getting denied on a credit application pull. I contacted XXXXXXXX  shortly after about this issue and they confirmed that the phones were received successfully and I should not owe anything. They said they will contact the collections agency about this, and call me within 7 days. ( I recorded the conversation as well. ) they never called me back. Their verification is inaccurate and they are making me responsible for a debt I do not owe, and tarnishing my credit at the same time.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Deposited a 14000 check. Receipt said it would be available next day. After the fact Wells Fargo put a hold on it. Said funds werent available. It was a check from XXXX insurance on a XXXX XXXX XXXXXXXX account
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management (WV)

I was not notified properly about the debt owed until after it was turned into collections. I contacted the debt collector and paid and satisfied the debt. I asked debt collector if they could remove the debt from my credit report since it was satisfied and they stated no they could not!
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received two wire in my account and put one ck in. then my account has not been able to be used FROZEN. No one will help me i keep getting the run around like the person that is looking in to is off for two weeks. I cant even look at my account at all i been stopped i need help this has been going on 4 months and i can not get any where at all whit Huntington Bank number XXXX XXXX XXXX XXXX XXXX EMAIL XXXX Huntington bank in XXXX XXXX Mi
Consumer complaint received 2019-03-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

Good Afternoon. I applied for a Chase Card via Amazon. I called the recon line and they denied it again. At this point I feel like I am being discriminated against and no one is looking at my true credit report. My lowest score is XXXX  and my highest score is XXXX. I have no negative items on my report. My last late payment was a year ago, which was my student loan. I am now in a ibrp with them and have had on time payments for a year as of this month. I am an AU on my moms JPMC card as well. I make payments on her card as well. Lastly I have a secured loan that I pay monthly on with on time payments. They said that I had multiple inquiries ... .a few of them were from jpmc and a lot of accounts, which I don't. I think they were trying to find a reason to deny me. I would like someone else to take a look at this. 

Also, they said that there was a card open a very long time ago that I have never had. I am a victim of identity fraud and I have fraud alerts on my reports. I have never had a credit card with jp morgan chase at all. No one gave me any advice on how to clear that up either.
Consumer complaint received 2022-05-04
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. (NJ)

I opened a Chase credit card in XX/XX/XXXX, for the benefit of a 6 month XXXX interest period for repayment. I used the electronic card for online shopping at Amazon, and never used the card for any other transactions outside of those Amazon purchases. I never received the card, and did not realize I did not receive it, until i was contacted by Chase on XX/XX/XXXX. 
I was contacted by Chase on XX/XX/XXXX when they noticed suspicious activity on my card. I received the following text message : " Chase Fraud : We declined {$93.00} with card ending XXXX at XXXX  XXXX XXXX Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. '' I replied NO and received a call shortly after. The representative told me they sent the text due to suspecting fraud. She told me the liquor store charge was declined, and a woman called Chase, pretending to be me, to try to get the transaction authorized. The representative told me the woman was able to answer some identifying questions but that it was all information that was available online. She stated she remained suspicious when the woman reported that my cell number on file was a landline. I checked my wallet and unopened mail and realized I never received the card. I informed the rep of this, and assured that I had never swiped the card, had only ever used it in my electronic Amazon XXXX, and had never authorized anyone to use the card. 
On around XX/XX/XXXX I received a letter with the results of my dispute. I misread the letter, thought it was resolved in my favor, and threw out the letter. 
On around XX/XX/XXXX I received my statement and realized the charges were not reversed. I contacted Chase and reopened my fraud investigation. When asked, the representative I spoke with informed me the claim was denied because the card was swiped. The representative acknowledged that this was not a good reason to deny a claim since I never received the card. The fraudulent charges total more than {$2000.00}. Charges were made in cities that I have not been at all over the past several years. They were made every day of the week, an hour or more from my home and two hours or more from my workplace. I informed the representative that it was impossible for me to be at the places the charges were made. 
On around this same date I filed a police report with my local PD to document the theft. On the same date, I froze my Chase card. 
On XX/XX/XXXX I logged in to my account to unfreeze my card and saw the full balance remained, and I had a letter in my inbox that the claim was again denied.
Consumer complaint received 2023-01-04
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have, on numerous occasions, reached out for proof of late payments. They have yet to provide any valid, verifiable verification. They dont provide any response whatsoever unless its from a CRA ; which is also questionable.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the Fair Credit Reporting Act ( FCRA ), outlined in 15 USC 1681, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and a deep regard for consumer privacy, as stated in 15 USC 1681 section 602 ( a ). XXXX, Experian, and XXXX function as consumer reporting agencies, while I am the Consumer. My right to safeguard my private information from dissemination is supported by 15 USC 6801, which underscores the obligation of financial institutions, including ( Furnisher of information to credit agencies ), to respect customer privacy and safeguard nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ), section 2, it is established that any consumer reporting agency may only furnish a consumer report with the written instructions of the concerned consumer. Both ( Furnisher of information to credit agencies ), the financial institution, and the consumer reporting agencies, XXXX, Experian, and XXXX, lack my consent, which includes verbal, non-verbal, written, implied, or any other form, and I hereby revoke any and all such consent. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how to exercise the nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) never informed me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. This account, reported as an adverse item without my permission, violates this provision.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, Experian, and XXXX are failing to maintain reasonable procedures in line with this requirement. 

Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX, Experian, and XXXX are not adhering to these standards. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of reporting services for the following accounts : XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX  ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX ) XXXX XXXX ( ACCOUNT NUMBER : XXXX )
Consumer complaint received 2018-10-16
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. (GA)

XXXX, Experian and XXXX are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and XXXX will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX  XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX  are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how XXXX I ever pay anything. This seems like ti is very bias towards certain people. XXXX is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..
Consumer complaint received 2021-09-16
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. (FL)

XXXX XXXX XXXX trying to collect a debt for {$440.00} reported XX/XX/2021. 

Account was fraudulently on XX/XX/XXXX using unrecognized email address. 

I attempted to call XXXX XXXX  and they require a report to move forward already filed and spited error with the credit bureaus.
Consumer complaint received 2018-10-16
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. (GA)

XXXX, XXXX and Transunion are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and XXXX will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX  XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX  balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how XXXX I ever pay anything. This seems like ti is very bias towards certain people. XXXX  is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..
Consumer complaint received 2018-10-16
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. (GA)

Equifax, XXXX and XXXX are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and Equifax will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX  are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how cna I ever pay anything. This seems like ti is very bias towards certain people. Equifax is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Middle Georgia Management Services (GA)

XXXX XXXX of XXXX County charged me late fees that ran up to {$180.00} after the loanw as paid off, it is now reporting on my credit. I only ahd {$20.00} in fees left I paid off all three loans. I want this off of my credit, the loanw as paid off in full.