davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/year> we attempted to extend our XXXX reservation by booking an additional reservation. This booking amounted to {$410.00}. At the host 's guidance, we canceled that second booking and made a change to our original stay. XXXX provided a refund for that now double-booking as XXXX credit , which we asked support to have refunded as our original payment method instead. After some back and forth, XXXX support initially said they would refund us within XXXX hours. Once that XXXX hours had passed, they said they actually wouldn't refund us. We then filed a claim with our bank, Chase, on XX/XX/XXXX. 

We continued to update Chase with the correspondence we were having with XXXX, where XXXX eventually agreed on XX/XX/year> to provide a refund of the booking credit to our original payment method, and that this refund would be completed by XX/XX/year>. We still have not received it. 

On XX/XX/year> Chase closed our claim after contacting XXXX and being told that we were given a cancellation policy at booking. We called Chase today, on XX/XX/year>, to find out more information. We were told that because XXXX provided that documentation, they were not willing to do further investigation on our case, even though we provided all our correspondence with XXXX demonstrating they were guaranteeing us a refund to our original payment method. We were instructed to instead continue to ask XXXX for support, but XXXX sent us an email saying that they would be unable to resolve our dispute with a claim filed and that the bank and XXXX would have to resolve the dispute. Chase 's claims investigation team told us over the phone that, despite our documentation, they were " unable to do anything '' and to continue to contact XXXX for help. Upon asking for a copy of the documentation XXXX provided, Chase has said they can only send it through letter mail. Before ending our phone call, they told us they had requested those documents- but I have not gotten to see or review them, and as per Chase, the case can not be reopened despite the evidence I've provided. 

As long-time Chase customers, we are disappointed. Chase has insisted multiple times over the phone now that they are unable to do anything and that because XXXX provided documentation showing their terms of service, we are ineligible for any refund. This is despite us providing numerous documentation showing XXXX support verbally and in writing promising full refunds. As of today, XX/XX/year>, neither XXXX nor Chase have resolved this case and Chase has sent a letter through our account saying that they would be reversing our claim credit on XX/XX/year>.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OH)

I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported and threaten for attorney.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My debit card was stolen, my PIN was obtained, and {$1000.00} was stolen from my checking account via a Chase ATM. The bank sent me a fraud alert to which I incorrectly responded indicating the transactions were NOT fraud. I immediately sent a new response indicating it was fraud, and called to filed a fraud claim. I indicated that I had misread the text message and that it was in fact fraud on the call. I also sent a screen shot of the text message responses. A police report was filed and I indicated to the bank that I have a good idea as to who the individual might have been who stole the card/ money, but ca n't say for 100 % sure. Finally, there was a separate claim ( which was part of the same fraud ) involving a money order and my PIN which was approved as fraud. The bank denied the ATM claim stating that it was due to inconsistent information since I had indicated it was n't fraud with the initial response.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Critical Resolution Mediation LLC (VA)

Received call from XXXX - said he was XXXX calling from Critical Resolution Center and I should call immediately or else. Asked me to call XXXX. I referred to my attorney - when she called they hung up on her. Gave me a reference # of XXXX. Never stated who they were representing. Think it is a scam.
Consumer complaint received 2022-03-20
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 instruction.
Consumer complaint received 2017-08-17
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. (NY)

I took a lease through XXXX XXXX XXXX. Account # : XXXX. The lease was paid in full, and the vehicle was returned. I leased another vehicle through XXXX immediately. I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another XXXX. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to XXXX immediately. I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX XXXX sent the fax another two times, and I called XXXX to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc 'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX. They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to XXXX XXXX XXXX, XXXX, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account. I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed ( this was erroneously charged, and should never have been put on my account int he first pace ). XXXX XXXX XXXX reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100 points. I request that XXXX XXXX XXXX contact the credit reporting agencies to state that it was reported in error. There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges. Everyone at XXXX XXXX XXXX has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from XXXX.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (CA)

I was seeking federal funding, and I checked credit report before. I noticed some activity I did not recognize that I believe to be a mistake ( error ) or fraudulent. I have a collection reported from a collector in XXXX, New York ( Collection Bureau of the HU ). This is an error, if not then it is fraud. This is causing me distress and discomfort. Remove these negative marks and send me an updated credit report please.
Consumer complaint received 2022-03-20
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: Maximus Federal Services, Inc. (FL)

XXXX, XXXX, and XXXX are reporting my student loans from XXXX and Aidvantage late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NJ)

I went into the TD Bank and tried to open an account. The customer service person that opens the account for customers. Told me that she could not open an account in my name because I have a Checking account in collections. 

I don't have any TD Bank account in collections. In anytime someone owes the TD Bank or any bank, they have you pay what you owe first and then they go ahead and open the new account. 


I do know that my personal information was stolen back in XX/XX/XXXX that my XXXX  had in a box when she moved to XXXX. They stole all of my XXXX XXXX personal information, my XXXX and mine. 

Social security number, birth certificates and photos, date of birth. Old tax documents. On XX/XX/XXXX or so.. I can't remember the exact date it happened but some employees at TD Bank made stole out of my mother 's personal information and made online purchases close to {$5000.00} and my mother received a letter from TD Bank headquarters, stating that the employees has all of her personal information and were fired and arrested from TD Bank. 

TD Bank offered my mother extra XXXX years higher security on her TD Bank account. I believe that my personal information along with my mother 's has been compromised. In I don't have any collection accounts with TD Bank that I am aware of. Other than today when the bank employee said she will get back to me about collections on my account with TD Bank, and she didn't open the account for me. 

My mother 's TD Bank account was compromised in XX/XX/XXXX or so. 

I always thought when you owe the bank you pay right then, and they open your account. That's what they did with my mother. She paid what she owed on the same day they opened the account. 

I work XXXX days a week and the woman did want to open my account something is seriously wrong?
Consumer complaint received 2017-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

2015 amount- approx. {$2000.00} company American express I sent 7 letters and retained copies of all I spoke to customer service reps at least 6 times I sent letter to president of Amex I sent letter to credit bureaus explaining my case company wrote off amount as noted in my credit report and also noted I objected intial charge {$1500.00} for a plane ticket that Amex travel booked for me that was cancelled 5 days after booking and 5 months before anticipated usuage. They argued ticket was non refundable ( never told to me ) and they have tape of conversation that I asked 7 times to produce but they never did..because it doesnt exist, imagine I was client for over 30 years and spent an average of over 100k per year and always current and they cancelled my credit, advised credit bureau that had a whole lot of reprecusssions for me. HOW ABSURD that we could n't figure this out and they seemingly had no desire to do so as well I have informed them I would meet with them face to face and cooperate any way I could but all for nothing ... ..they were convinced I committed some sort of crime and refuse to discuss matter as it is now written off. I want it off my credit report please if you can help thank you
Consumer complaint received 2022-08-30
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. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

this is the 2nd time I have tried to get Experian to correct their information! I filed chapter XXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX I have previously provided a copy of the discharge to you in my previous complaint
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

I completed a wire transfer with XXXX XXXX on XX/XX/XXXX at approx. XXXX XXXX EST to Coinbase Inc via XXXX XXXX. The amount of the wire transfer was $XXXX. The information included in the wire transfer is as follows:As indicated by Coinbase Inc, wire transfers may be received the same day if completed by XXXX Pacific, otherwise they will be credited to the account on the next business day.The wire has not been credited to the account as of now, XX/XX/XXXX XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received by XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received and stated that they sent the wire to Coinbase Inc. XXXX XXXX provided the wire reference number.Wire reference number: XXXXI emailed XXXX today XX/XX/XXXX with the information requested. I called the wire support phone number and was prompted to send an email to the above address.
Consumer complaint received 2022-08-30
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)

Unknown person applied for a visa credit card through XXXX XXXX XXXXXXXX with my personal information. Thus being identity theft. Also some one attempted to purchase a money managing App. located in Ga.same as XXXX XXXX XXXX. The App is XXXX, XXXX XXXX GA.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This XXXX account is not mines. This account has been disputed and deleted from XXXX and XXXX. It is still showing up in my profile. 
Please delete from Experian. 

XXXX XXXX NO PHONE NUMBER NO ACCOUNT NUMBER NO PAYMENT HISTORY NO CONTRACT NO PROOF OF VALIDATION PLEASE DELETE FROM MY.CREDIT FILE
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (VA)

I have sent Equifax OVER A DOZEN disputes over the last 18 months or so. This last CFPB complaint was sent because they decided they were not going to respond to me within 30 days. Quite amazingly, they received this CFPB complaint, just to wait EVEN LONGER than the first almost 45 days from the original dispute and STILL have not done an investigation and presented me with the results.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

I had a loan for a XXXX XXXX at XXXX XXXX I lost my job and fell behind. I got another job and they had already sold it to AD ASTRA RECOVERY. I paid them XXXX now Ad Astra refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was 750 miles from home when Bank of America, my credit card company, called my home and stated my credit card will be blocked, because of unusual activity. I was given a number to call. My flat mate called me and gave me the message and number. I was on the freeway in Southern California. I pulled off the freeway and called. I explained that I was traveling. I was transferred to another person. She told me that she would text me a code. I asked if we got disconnected what would happen. She told me she would call me back. I did get disconnected. She never called back. I was on the way to a business meeting. Sitting on the freeway trying to resolve this for 1 hour caused me to miss my meeting. No one was able to resolve the problem. I spoke to 7 different people. Bank of America is my only credit card. How was I supposed to get home with out a credit card to buy fuel, rent a room and meals if it was blocked. I did not get a positive resolution until 36 hours later. I missed my meeting, did not have a hotel room or meals. As it turned out it was a maybe block Bank of America put me through unnecessary stress, cause me {$600.00} in travel expense for nothing. I told everyone I spoke to I was on a business trip. 
All they needed was to ask me for my code words.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (SC)

I contacted my bank about balance updates that seemed glitchy. My bank app showed one balance and actually allowed me to make purchases against the balance and then my account, which has an opt out of overdraft, went into the negative. The POS are not being held after the debit transaction if this happened, which makes me feel unsafe that the holds are safe from the financial institution. 

On XX/XX/2022 ( late that night ), the app showed that I had a balance of {$2.00} ; however, when I checked my balance the next morning, the balance was short from what my paycheck deposit was because the financial institution allowed a transaction to go over my supposed credit balance although when I made the gas purchase on the XXXX, showed that the money was available.
Consumer complaint received 2022-08-30
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: TD BANK US HOLDING COMPANY (CT)

date : XX/XX/2022 amount : {$2000.00} My TD credit card was stolen 3 months ago and was used for {$2000.00} at the XXXX XXXX 
I got a text asking if it is me and sent back No immediately and also called the TD credit card and it was stolen. they closed the card. 

I spent so much time waiting in line for the call to get this resolved. I even faxed the police report for the case. But they don't give any response.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, 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. (NC)

Contacted Equifax regarding information on credit report. Equifax sent a letter back stating that they did not locate a credit file for me. As this is incorrect information, because I am able to see information reported from Equifax on XXXX XXXX and XXXX XXXX XXXX