davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
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: National Credit Systems,Inc. (TX)

I have sent a debt validation letter and 3 609 dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX XXXX  - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AL)

I have the American Express Business Platinum card ; a card that carries an annual fee of over {$400.00}. The reason I pay that huge amount is to be able to use my Membership Rewards points to book travel on XXXX. However, I have not been able to book online on the website. I have tried going so twice ; once about 4  months ago, and again on XX/XX/2017. Every time I try to book a flight on XXXX, COMPLETELY covering the travel with my membership rewards points, the final screen says payment failure and I am unable to book. I have called in, and the travel team has indicated that this is a known problem and they are " working '' on it. They can book it over the phone, but it is an incredible hassle and waste of time waiting for them to answer the call. Moreover, the " amex member '' pricing, which gives a discount on the published fare for booking with points, is not accessible to the phone representative. THAT IS NOT AN ACCEPTABLE ANSWER FOR THIS PRODUCT ; this is clearly illegal and misleading advertising.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Around XXXX, XXXX, XXXX, and XXXX of 2020, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX  records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AZ)

Chime Bank closed my account on XX/XX/2021 without prior warning for whatever reason, I had {$4200.00} in my savings account and about {$250.00} in checking. I called their support line and was informed to email customer support since they couldnt tell me over the phone! I have then email them stating that due to their actions I can not pay my utilities nor rent. According to them my account has been closed by Chime and is not eligible for a refund. For more information please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement. This is just pure robbery and unacceptable! Please If you guys can help me that would be gladly appreciated as this is my last resort!
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have a couple of hard inquiries that I have been trying to have removed. I have tried multiple times. As well as an item on my accounts that is incrrect as well. These items are effecting my chances of getting and building any new credit. These items are incorrect and should no longer be on my reports Inquiries : XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance
Consumer complaint received 2023-01-19
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (IL)

Recently I paid {$3200.00} on XX/XX/2020 towards my Apple credit card. The amount did not go through because I had insufficient funds. So I made another payment in the amount of {$3000.00} on XX/XX/2020. It is now XX/XX/2020 and they have not withdrawn the funds from my account. I contacted Goldman Sachs today to figure out why the money has not been taken out of my account, and they said that it takes them longer to process payments after a payment has been declined. Additionally, they said that the money would not be withdrawn until XX/XX/2020 when more interest and late fees can accrue if the payment is declined. The bank said they were unable to assist me by withdrawing the money from my account sooner than later. My credit card account reflects my paid amount so I could overdraft if my payment is declined and I am not aware that the payment has been taken out of my account. I fully expect to have sufficient funds but feel it is fraudulent to do this to someone.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX to XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX XXXX XXXX and my complaint is against the Bank of America with the Merchant Account service. I opened an account with them to be able to make charges for the services provided by my moving company named XXXX XXXX XXXX. 
When carrying out my first transaction on XXXX XXXX, 2019 for an amount of XXXX, the client 's card declined me in two occasions but on the third occasion the transaction went smoothly and on the next day the bank gave me availability of that sum without any trouble. On XXXX XXXX, 2019 I made another service to another client for XXXX and they put the money on hold, on XX/XX/XXXX I made a third service to another different client for XXXX also putting this amount on hold. I call the bank worried and the answer they give me is that this money is under investigation for the alleged first two transactions that had declined. I argued that these last two transactions had nothing to do with the first service charged since there are three different clients. They told me that I was under investigation and without further explanation and that if I wanted me to close the account that they had 180 days to review and that all the transactions I made were not going to give me my money. Several days went by and after receiving no response I kept trying to solve the problem but they always evaded me and none gave me a solution so I told them to tell me where their offices were to go and nothing gave me just an email to which I sent All the documents of my company, of the company to which I am subcontracted which is the one that gives me the contracts, send the three contracts of the three clients, the invoices signed by the clients. A few days later I called and they told me to let them work, so lethally and I told them that please check if they had received my documents they said no, rectify the email and it was correct but resend everything again and nothing like this happened a few weeks until They call me to tell me they won't give me that money without further explanation. I have had many problems as a result of this I was a month without paying my debts since I had the availability of that money and I need to finish solving this situation. 
My merchant account information Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX FL, XXXX Phone XXXX
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Service of Nevada (CA)

Collection Service of Nevada is attempting to collect a debt that was the result of identity theft. Also they are attempting to collect a debt that still belongs to the original creditor XXXX of XXXX. Also Collection Services of Nevada is, or has inflated the alleged debt from {$1500.00} to {$1800.00}. Collection services of Nevada is in violation of the Fair Debt Collection Act and the Fair Debt Reporting Act. Collection Services of Nevada has no regarded for the consumer laws. Collection services of Nevada has not sent any documentation that they own this alleged debt and has changed the original amount of this alleged debt in violation of the law. Collection Service of Nevada has disregarded the fact that I have not or was a residence or was the occupant during the time this alleged debt occurred.
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CA)

Thursday, XX/XX/XXXX XXXX XXXX When I was in XXXX school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, XXXX, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in XX/XX/XXXX ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a XXXX and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked XXXX to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX  claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am XXXX XXXX  ). Which I consider to be a threat made simply because I asked questions.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

Paypal had a discrepancy between their records and what we were being told by Paypal 's representatives ( including the XXXX office ). The records were in direct conflict with the what were being told on three major points. We asked Paypal to explain this. After six months of avoiding our questions, ( the usual practice was to ask their own question in the response and then answer their own question ), Paypal decided to take action. They suspended our account for asking them to explain a problem we discovered. That was our great sin. 
Paypal feels that they are so big they don't have to explain anything, or they have something serious to hide. Either way, there needs to be an investigation into their practices. 

We am including an example of the question we asked. 
It concerns our account XXXX XXXX
Consumer complaint received 2018-09-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A friend in XXXX sent a {$500.00} wire transfer from his XXXX account in XXXX to my Capital One account. Wire was completed on XX/XX/2018. 

As of XX/XX/2018 the funds have still not been deposited into my account or returned to the originator. Capital One just says that the transfer is " under review '' with no way for me to rectify the situation. I have not received an email, letter or phone call notifying me of this delay. I have had to call to get any information. 

I understand that there can be delays but holding onto an account holders money for 3 weeks seems excessive - especially given that the dollar amount is so low. It also seems that there should be a requirement that the bank provides notification of this delay but there has been zero communication coming from Capital One.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/XXXX I received a letter saying I was denied an Amazon.com Visa Signature card from Chase that I never applied for. This affected my credit rating so I contacted the CFPB, ( previous complaint #  XXXX ), to handle this with Chase. It seemed the issue was resolved but now I received ANOTHER rejection letter dated XX/XX/XXXX ( Chase reference # XXXX ) for the exact same thing. At this point, my credit score has been affected again and I now consider this to be either Identity fraud or at the very least harassment.
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2020, I made a {$25.00} donation to XXXX XXXX XXXX via PayPal through a legitimate XXXX post by a known friend on behalf of that dog rescue group. PayPal added a {$1.00} fee, making the total {$26.00}. 

When my credit card statement arrived, there were two identical payments of this donation, with the second dated XX/XX/XXXX, so I contacted XXXX XXXX XXXX  to inquire whether the donation had inadvertently been set up as a recurring donation. Their treasurer emailed back on the evening of XX/XX/XXXX that they had not received either donation. 

The phone number attached to the payments on my statement was XXXX, which reverse phone lookup showed belongs to XXXX XXXX XXXX. I began to suspect fraud, and XXXX XXXX XXXX canceled my credit card and the two charges. 

I then checked my PayPal account, which showed only two donations in this general time frame to XXXX XXXX ( a totally different dog rescue group ), both legitimate, both received by XXXX XXXX, and both free of any servicing fees. However, there is no record in PayPal of either of my donations to XXXX XXXX XXXX. PayPal had to have received my donation transaction on XX/XX/XXXX, since it appears on my credit card statement and since I have a receipt from PayPal with a transaction number, and I would assume that PayPal should also have some kind of record of the second transaction. It is strange that PayPal billed my credit card bank, but has no records, and has not sent any donation to XXXX XXXX XXXX on my behalf. 

My efforts to contact PayPal to learn what had actually happened met with total frustration, and either actual or deliberate incompetence and ignorance. I have come to the conclusion that PayPal either inadvertently ( perhaps through some computer glitch ) or deliberately ( thereby committing fraud and theft ) received the money from my donations from my credit card bank and failed to pass the funds along to XXXX XXXX XXXX.
Consumer complaint received 2023-01-19
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 am writing this letter to request that you remove the following accounts listed below due to multiple late payments and inaccurate information reported, Ive disputed these accounts several times in addition to filing a complaint with the Cfpb and the incorrect information constantly came back as verified which is a clear violation of my rights and has had a detrimental impact on my credit score, significantly decreasing my chances of being approved for homes and credit. I request these accounts be deleted within four days of receiving this per 15 U.S.C 1681 c-2. Ive disputed these accounts several times, and they continually came back as verified with inaccurate information, violating 15 U.S.C 1681i.

15 U.S.C section 6801 without written consent from the consumer, I never consented to my account being furnished The late payments reported in this account are a clear violation of 15 U.S.C 1666B XXXX  XXXX : This account is reporting a date opened on XX/XX/XXXX, but reporting date opened on XXXX as XX/XX/XXXX ; in addition, Transunion is also reporting a high credit on a closed account ; for {$340.00}, while XXXX is reporting a {$0.00} high credit. 

Open Sky : This account reported the date opened as XX/XX/XXXX but XXXX reported the date opened as XX/XX/XXXX ; Transunion also reported a high credit of {$390.00} on a closed account while XXXX is reporting {$0.00}. Last Transunion is reporting the date last active as XX/XX/XXXX but XXXX is reporting a date last active as XXXX XXXX XXXX : This account is reporting the date opened as XXXX XXXX while the XXXX and XXXX reported XXXX date opened as XXXX XXXX. TransUnion is also reporting a high credit on a closed account in the amount of {$480.00} ; while XXXX and XXXX are reporting a high credit amount of {$0.00}. Transunion also reported the date last active as XX/XX/XXXX while XXXX reported the date last active as XX/XX/XXXX TransUnion is also reporting an incorrect address XXXX XXXX XXXX which was the result of fraudulent activity and was supposed to be removed. As well as the employment XXXX which I have no knowledge of. 

And inquiries in which I have no knowledge of XXXX XXXX XXXXXXXX XXXX XXXX Please delete these accounts and update my report in addition to the last few creditors who checked my score.