davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX 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 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 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX, I deposited my Aunt 's social security check through the Chase Mobile App. I am her legal guardian and responsible for her care. I have been getting her check direct deposited for the last 12 years, with the last 4 months being a paper check. The previous 3 checks were deposited with no issue through the mobile app. On XX/XX/XXXX, I received an email from Chase stating they were unable to accept the deposit, as the endorsement didn't match the name on the check. I haven't endorsed a check in years, I ALWAYS write " Deposit Only '', which is what I wrote on this check. XX/XX/XXXX, I again tried to deposit through the app, and again received a message on the XXXX, that I would have to go into the bank to deposit the check. Today, XX/XX/2022, I went physically into my local Chase branch to deposit the check, in person and found out the bank was going to put a hold on it until the XXXX of the month. When asked why the hold was going to happen, they said that it was due to my account being overdrawn. I explained to them that my account was overdrawn because they initially did release {$1500.00} of the check into my checking account, allowed charges to go through, and then removed the money when they decided not to accept the deposit. I asked if they could force post or cash the check and was told they could only deposit it and they could not do anything about the hold. I am not seeking compensation and I will be filing complaints with every agency that allows it. My family and I are all closing our Chase accounts and have now moved over to XXXX XXXX XXXX XXXX which accepted the check and made the funds immediately available. For the last 4 years, Chase bank has been going considerably downhill in customer service, banking services, and questionable policies. This is not the first time my account has been overdrawn due to a bank error. I have had to contact them no less than 9 times in the last 2 months due to charges going through when no funds are in the account, even though I am opted out of their program that covers charges when accounts don't have enough money. They are supposed to decline the charge and multiple times now, they have not. They closed our freedom card account and our Slate account, even though our Freedom card was in good standing and paid on time because our Slate card had a few late payments on it due to my husband being out of work for 18 months during our lockdown. In fact, we didn't miss any payments until the XXXX month of his unemployment. They refused to enroll us in any kind of hardship program or to give us any assistance during those months. They call my husband and me, 7-10 times a day EACH, even if I just talked to them earlier in the day, including XXXXXXXX XXXX! Again, I am not looking for any kind of compensation, we want nothing more to do with Chase Bank or JP Morgan, but I want complaints filed, formal and informal, so people have the chance to know that Chase Bank is not the quality institution it used to be.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (TX)

My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is XXXX says pass the due date. Neither payment was made 30 days after the last due date. I called Consumer Portfolio Services the first week in XXXX when I received a late pmt alert from XXXX. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. XXXX did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to XXXX and was told they are not mediators.
Consumer complaint received 2022-08-27
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requiring that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misreprensentation of fact by me relevant to the request to block the identified transctions. 


This is the second complaint I have filed to recify this issue with XXXX and Experian. XXXX has completed and updated the information as needed. I was told by a representative at XXXX that the FTC report was incorrect. Experian has not updated anything nor has they properly verified the information as they have the WRONG social security numbers listed on my credit report which is basis for INSTANT REMOVAL!! ( see attached report and coountless of incorrect addresses ) They have yet to confirm if any of these companies have a signed SSA-89 form which is how the information is verifed. I am tired of going back and forth with these CRA 's. 
They have a DUTY to ensure my report is CORRECT, FAIR and EQUITABLE to me as a CONSUMER. ACCTS : XXXX XXXX XXXX ( no acct number listed on EITHER report ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Several Accounts have never been properly verified, I've asked for the original documents with my signature multiple times and I've never received them. I asked for date of delinquency with proof of verification never received it, Several accounts are past the Illinois seven year statue of limitations and they're still being reported. I never received paperwork to dispute the accounts before they were added to my credit reports. The dates are different on all of my credit reports.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (TN)

I need to inform you I was the victim of identity theft. I'm disputing the inaccurate address as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the inaccurate address. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XXXX XXXX, 2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.
Consumer complaint received 2021-03-08
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I purchased a 54 inch round pet bed from The XXXX XXXX XXXX ( XXXX ) for {$380.00}. In XXXX I was sent the 34 inch round pet bed which is a difference of {$200.00}. The product web page is here : https : XXXX # To clarify the prices listed on the website have not changed since the date this occurred. 

I contacted XXXX XXXX, the owner, and offered to send the wrong bed back. I was told not to but was assured that the right bed would be sent quickly. I believe she claimed by the end of that week or next it would be taken care of. Anywhere from several weeks to a couple of months went by with no bed showing up and no contact from her to let me know what was going on so I contacted her again and again was assured that the issue would be taken care of. In XXXX of XXXX I demanded a {$200.00} credit after no bed had arrived and I had not been contacted to be updated about what was happening. XXXX agreed to credit me within 2 weeks. I will attach a copy of that email exchange below. She claimed she had tried to contact me many times and that she had sent the bed but it was returned to her because I had moved. I never received any contact from her and have lived at the same address for around 2 decades. I have since questioned her claim that she mailed the bed by asking for the tracking number but she has not provided that to me. Around this time back in XXXX was also when COVID was starting up. There were many other priorities I had in addition to I simply didn't know what the best course of action would be against her. I am now fine with a chargeback but at the time knew that that would affect her and I was unsure of how to handle the situation. Some time went by and I ended up filing a XXXX  complaint against her. She ignored the complaint. It is now XXXX of XXXX and no {$200.00} credit or bed have ever occurred. The credit card company rejected my dispute claim because it was only 9 days over the 540 days they allow. I am contacting you in the hope that you can please get my money back from VISA. I have all of the proof you would need including like I mentioned above an email from the business this complaint is against agreeing to refund me. Simply because I opened the dispute claim 9 days over their limit they are not giving me the money I am owed. I can provide any more details that you need. Thank you greatly! 

description of attachments : 1 : Visa credit card statement showing the charge disputed 2 : Email exchange between customer and business where business agrees to credit customer 3 : Email received confirming dispute claim has been created 4 : Email received confirming dispute is processing 5 : Email received confirming rejection of dispute
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AZ)

Dear sir/maam, The XXXX Credit card called XXXX card I had been using for a year. While I was using I noticed that my balance will never go down no matter what I pay because they keep adding nonstop every different kind of fees every single day to prevent you having your balance all paid. Then I was aware that I had to pay double or Triple of my original amount so I called the customer service ( which is very impossible to reach out and so rude and will not even talk ) closed my account. Then on XX/XX/XXXX th I paid the total amount where I made sure I owe nothing. However they keep sending me a bill {$480.00} and fees {$37.00} and not closed my accounts. When I call them they just hang up on me. So they are scamming me by showing the amount hasnt been paid and I havent closed the account. Last month I finally reached out someone and she told me she fixed it and I dont owe anything and account is closed. However this month of today I received an email says I have to make a payment and when I called them they hangup twice then they yelled at me and say its system error which I know its a lie and hang up on my face. Its a financial abuse and I dont know how to handle this issue anymore. So please help me on this issue and please dont hesitate to contact me if you need any further information. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-07-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harley Davidson Financial Services Inc (CA)

i have a loan with Harley financial davidson. 
i fell past due on loan due to loosing my income momentarily which caused me to fall back on my loan as well as all my utilities and mortgage. i have advised this to them several times. i continue to make payments and trying to get my account current. 
every time they call which is multiple times a day non stop, i call back and try to speak with a rep they always use threats to try to get me to pay. i advise them when i can make an arrangement and they always advise me they cant accept any arrangement. they make threats and tell me if there is a repossession agent out side of my house and or to surrender my collateral. they tell me i have repo fee 's of over XXXX, which is not true i have worked in collections for over XXXXyears and have never resulted to using threats to get a customer to make a payment. repo fee 's average from XXXX {$1000.00} plus whatever the account is past due /and storage fee 's at time of reinstatement. 
they never offer options and or a payment plan to assist in getting current, off the bat when you speak with them its a threat ( we have repo agent on the way to the house or is there a repo agent present ). a company this size should do better in speaking with the customer 's and find out what the reason for delinquency is and offer options to assist a customer get back on track and get the loan performing once again. 
threatning a customer does not make them pay. its coming to an agreement. 
these types of threatning collections need to stop immediatley. this is no way to collect a debt from a consumer. its about rectifying the problem and offering assistance. 
i had a previous loan with them and paid on time with no issues. but me loosing my income momentarily really caused me to fall behind on all my bills. i am well aware of my past due and i will do my best to get caught up so i dont have to deal with reps that use threats to collect a debt.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I have encountered a fraudulent situation involving Cash App and a purported furniture store named XXXX XXXX, also known as XXXX XXXX, with the Cash App handle $ XXXX and a contact number of XXXX. Despite the clear fraudulent nature of this store, Cash App has allowed it to continue its operations and has even protected it. When I sought assistance from Cash App regarding this matter, they refused to release the name of the perpetrators, hindering my efforts to file a police report against both Cash App and XXXX XXXX. It's worth noting that while Cash App claims to investigate every disputed transaction, their policies state that Cash App to Cash App payments are instant and usually can't be canceled. Furthermore, even though they provide tips to recognize scams and report phishing attempts, they do not always guarantee a refund for a fraudulent transaction. Given these circumstances, I am filing a police report against both entities for theft and am seeking the CFPB 's intervention in this matter.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I sent money from my XXXX bank account to CashApp. Initially, XXXX blocked the transaction, but after verification, they released the funds. The money was deducted from my XXXX account but was never deposited into my CashApp account. I filed a claim with CashApp, but they stated that they never received the funds and advised me to address the issue with my bank. I initiated a dispute with my bank ( XXXX ), but I have yet to see the funds returned to my account. Additionally, CashApp deducted XXXX dollars from my account, leaving me with a negative balance of XXXX. I contacted CashApp support, and they informed me that the XXXX dollars had actually been deposited into my account. I refuted this claim by providing a screenshot of my statement, which did not show a XXXX deposit in XXXX which I had disputed. The customer service representative stated that there was nothing they could or would do for me and advised me to take the matter up with my bank once again. I am out XXXX dollars total for this ( XXXX from bank at XXXX and now negative XXXX at CashApp ).
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

During the months of XX/XX/XXXX and XX/XX/XXXX I submitted multiple disputes to Equifax and the other two major credit beaus to remove fraudulent items that appeared in my report. Equifax did indeed remove and block the following accounts from my credit profile and placed a fraud alert on my profile. 

XX/XX/XXXX Dispute via CFPB ( confirmation # XXXX ) - Removed XXXX XXXX XXXX  XXXX  Account # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed the following. 
XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed XXXX XXXX Account # XXXX I called on XX/XX/XXXX and spoke with a representative requesting a digital copy of the dispute results listed above in order to take care of some important business proving the fraudulent accounts were once there and removed. The representative informed me of his inability to send an electronic copy and advised he could send a hard copy through the mail. I agreed to receive the results via postal mail after being advised it would be processed the following day ( XX/XX/XXXX ). After speaking to two other representatives the next day ( XX/XX/XXXX ) along with a floor supervisor no one could confirm to that the letters were processed and on its way. Furthermore the supervisor informed me that the option to send the dispute results would be denied and there was nothing he could do for me. I previously asked if I can go to the office and pick up the documents and was informed I could during office hours. The supervisor was unable to confirm that I would be able to get the documents I requested at the walkup window in XXXX. Im a Florida resident and was willing to travel to XXXX, Ga in order to get the dispute results the clearly have on file. Every representative I spoke with was able to view and read the report to me. All I requested was a copy of that very report. 

I need written confirmation from Equifax that the above accounts were reporting on my profile and removed. I prefer this to be done electronically and quickly by XX/XX/XXXX. I can log in to myequifax account right now and download four dispute results but they aren't the ones I need. 

I expect a speedy response. Thank you
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (AR)

EQUIFAX AND XXXX IS NOT RESPONDING MY LETTERS. 

Please have them do their job and respond to the letter thats attached below.