davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

I called TSI Transworld Systems Inc as they sent me many letters and bills regarding a debt from XXXX XXXX for {$1800.00} which was not mine. 
This debt was not mine and they gave me no information and repeatedly sent me letters which threatened they would go to my workplace regarding the debt.
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XX/XX/2019, XXXX transfer was initiated from my USAA bank account for {$90.00}. This transaction was fraudulent. The recipient of this transaction does not seem to actually exist, even though they're supposed to be tied to a bank account.
Consumer complaint received 2024-01-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MD)

I frequently use the CashApp debit prepaid card for hotel charges. When I arrive at the hotel, the hotel authorizes the incidentals charge on the CashApp card which shows up as a pending charge. Upon checkout, the hotel releases the charge and issues a receipt that indicates if incidentals were charged and the amount, if any. 

CashApp has refused to release the pending charges and follow their own expedite policy regarding releasing authorizations. CashApp continues to hold the authorization/pending charge several days even after the hotel has released the charges and provided written proof of the release. 

Additionally, they refuse to provide information on a formal complaint and escalation procedure to resolve the issue. Their approach is both capricious and without regard to the customer. 

On XX/XX/scrub>XXXX  I requested that CashApp release a {$50.00} authorization for incidentals from a hotel by providing with a receipt from the hotel indicating that I had check out and the final bill was a {$0.00} balance. As of XX/XX/year>, CashApp has not release the pending charge and refuses to release the funds. There was another {$20.00} incidentals authorization from another hotel on XX/XX/scrub>XXXX I provided them with a receipt from the hotel displaying a {$0.00} balance requesting that they release the {$20.00} authorization in accordance with their published and stated authorization release policy. As of XX/XX/year>, CashApp is refusing to release the funds or provide an explanation why these transactions are being treated differently from previous transactions. 

I appreciate the CFPB assistance in expeditiously resolving these issues.
Consumer complaint received 2017-06-16
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. (FL)

Hello I would like to submit a complaint against Transunion I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect Transunion has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OK)

Phishing attack gained access to my computer and my PayPal account, claiming to be submitting a refund for a subscription I did not want. Spent {$180.00} on digital gift cards that were not returned to me. When I tried to report these transactions PayPal claimed they were not unauthorized and couldnt refund me.
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

In the month of XX/XX/2019 OneMain Financial debited my account twice within a two week span without my consent. On XX/XX/19 the company debited from my account {$150.00} and also on XX/XX/19 {$150.00} which caused me to go into an overdraft status. I contacted my bank. My bank closed the debit card down and had them to place the money back into my account after my dispute. On Wednesday XX/XX/2019 I had authorized online a payment in the amount of {$360.00} the company changed my information online and attempted to draft a payment in the amount of {$670.00}. The draft attempted to come through my account twice without success. Please see below : XX/XX/19 ONEMAIN FINANCIAL XXXX XXXX XXXX Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from ONEMAIN FINANCIAL XXXX XXXX XXXX Card ending in XXXX {$150.00} ONEMAIN FINANCIAL XXXX XXXX XXXX It only shows on text message where they attempted to run the {$670.00}. This is unethical practice from my understanding they are not suppose to change my information or go into my account.
Consumer complaint received 2018-01-13
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. (IN)

My issue was n't resolved at all nor address in transunion response. Inquiries were not part my 4 letter dispute process to the credit bureau ; But the aligned students loan debt that XXXX and all credit bureaus have failed to provided me a promissory note or credits accumulated proving that i used this aligned for educational purposes. 

I started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX transunion & XXXX was sent via certified mail XXXX online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Date : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX Date open : XXXX I have no knowledge of this account I demand it of my credit report.
Consumer complaint received 2020-06-01
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: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, the company even showing they refunded my account. I did not receive refund, I did not recieve any services that I had paid for. After THREE failed attempts to dispute with my bank i am frustrated. Santanderrefuses to file my dispute properly This is a completely accurate dispute and is very cut and dry and they have offered no assistance
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Recovery Services, LLC (CA)

Medical recovery services. The first time they called about 3weeks ago at my work place which the man on the other line would not identify himself to my staff who answered the call and just said it is a personal call then when I answered the call the man would not identify himself except that he is from Medical recovery services but continue to ask me to verify my personal information such as bday, social security number which I told him that I will not verify anything until he tellls me what the call is about and his name and id # and to stop calling me at work so he hung up Then another call yesterday X/XX/17 in the XXXX around between XXXX. They called my office again and ask for me and this time they tiold my staff it is from medical recovery services but when my staff announced the call to me, the caller hung up. So i then XXXX the company that is when I learned they a debt collector. <P/>I feel my privacy had been violated when they identified themselves to my staff and did not stop when asked the first time to stop calling me at work.
Consumer complaint received 2018-02-02
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. (MD)

On XX/XX/XXXX Experian refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts XXXX XXXX XXXX appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.
Consumer complaint received 2018-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have fraud alert added to my credit report because I found about six unauthorized hard inquiries on my credit report. After contacting XXXX & Equifax about to them, XXXX immediately removed them, Equifax has kept them on. This is fraud and I want them removed off of my credit.
Consumer complaint received 2021-08-13
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. (MS)

Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXX XXXX  Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is Experian and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX  is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against Experian, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MA)

I had a negative balance of {$820.00} and I pay them back already {$800.00}. I just want 1 reimbursement fee of either {$100.00} or {$35.00} from overdraft fees. If they cant provide me with this simple request, then I wish to close my checking account with TD bank.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Account with ashley home stores, through synchrony bank.
I pay over half of my minimum payment bi-weekly. some months this pays three times a month. but this ensures at least two payments are made in between due dates, however due to a billing cycle error where the due date is 8 days before the billing cycle ends, some of my payments are applied to previous statements instead of the current billing cycle. this results in a late fee and interest charged on my deferred interest account.
On my may statement three payments were made, the last of which was on   XXXX   XXXX  , one day before the billing cycle ends, because of the bi-weekly pay schedule only one payment was made between   XXXX   XXXX   and   XXXX   XXXX   the next due date. Synchrony bank is not allowing a full month between billing cycle and due date to apply payments. this allows customers a pay window of 20-23 days to make the payment, previous applied payments after the due date, but before the end of the billing cycle do not apply to the next due date.
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nevada Credico, Inc. (NC)

XXXX Nevada Credico , Inc dba Quantum Collections put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any debt.
Consumer complaint received 2019-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Lender states that I was able to use credits from previous school that went bankrupt, this school : XXXX XXXX  College LLC was not accredited. Which I have a letter from the new school XXXX XXXX XXXX XXXX that attests to that. So I have to start all over and in a completed different field of study, I enrolled in an XXXX program at the 2nd school which is different that ultrasound at the first school. So there was no benefit from having attended the XXXX XXXX College LLC school. They basically committed fraud in accepting students as they were not even accredited and they were going bankrupt. Now even though the loan states I am responsible for the loan, there are exceptions to that when it comes to schools closing before the education is completed and no credits being able to be transferred or accepted.
Consumer complaint received 2020-10-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Please read complaint number XXXX. Equifax did nothing to resolve the actual issue. CFPB did nothing whatsoever either. In fact, CFPB closed my complaint without even waiting for my feedback to see if the problem was resolved. Seriously? What exactly is the purpose of CFPB? Is there a government agency out there that will actually review and address complaints? What agency do I need to report this issue to so that it is actually is fixed?
Consumer complaint received 2017-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XX/XX/XXXX to  XX/XX/XXXX , XX/XX/XXXX  to XX/XX/XXXX ,  XX/XX/XXXX  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.
Consumer complaint received 2024-05-01
Product: Credit 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. (TX)

I purchased a real estate course under the XXXX XXXX company on XX/XX/XXXX. It was a one-year course. Before completing the course, I complained to the FTC that this company was a fraud. Report number XXXX, name of the report is XXXX XXXX my wife. The FTC recommends calling the Chase bank to report that it was a fraud so I did it. I had paid with 2 chase credit cards. The first was for the amount of {$11000.00} ending XXXX and the second was for the amount of {$10000.00} ending XXXX. I called the bank before completing the year of the course several times and they told me that consumer protection was only 118 days. I complained that it was a scam and that it was a XXXXyear course, they did not want to open an investigation case. Then I called again and they opened an investigation case, where I had to present evidence at a bank branch, I went on 2 occasions and I have the emails as evidence that the information was given. One was on XX/XX/XXXX and the second time was on XX/XX/XXXX because the first time they only opened the case for one of the cards and not for both. The answer was the same that it had been more than 118 days. This scam affected many people and several have received money back from Chase. I currently pay part of the money monthly. Today I called again to ask for help because it was difficult for me to pay due to something that is showed that were fraudulent and I did not receive what I paid, which was more than {$29000.00} dollars. The other credit cards were able to resolve this situation, but Chase could not. Today I was asking for a stop on the billing or put it on hold until I receive my part from the FTC. It has been almost XXXX years paying for something that it was confirmed that is a scam in many states. PLEASE HELP ME!
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am stating the situation of on complaint with bank of America, back in XX/XX/2020 i deposited a check of XXXX via picture due that the line to the atm was long. after doing so, 2 weeks later i receive a letter saying that they were closing my acct due to fraudulent activities. i immediately call the bank and they weren't clear of why i was being put as fraud in my account. i let them know my story and told them that the check i deposited was from my water and power stimulus they gave out for low-income families. i have the receipts and i have the actual check with all the information that explains where the check came from. that i needed help and answers but they just keep sending me to different departments and none ever helped me now i am in check system for no reason. i am here letting you know my story and that i have physical proof of my story. i am in check system and i cant open an account due to this matter. i am in a urge to open an account and clearing this matter
Consumer complaint received 2017-06-16
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)

Unauthorized inquiry. On  XXXX   XXXX  I expressedly did not authorize a hard inquriy on my credit report to  XXXX   XXXX   XXXX   XXXX   XXXX , nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are 10 unauthorized inquiries on my TransUnion, XXXX and XXXX credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6. XXXX XXXXXXXX XXXX 7. XXXXXXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX