davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 USC 1681. I told Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 15 USC 1681 section 602 states that I have a right to privacy. 15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make a 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 USC 1681 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (CA)

On XX/XX/2021 Franklin Collection Agency of XXXX, XXXX reported to XXXX and XXXX credit bureaus that there was a balance of {$630.00} owed to them. Original creditor purported to be XXXX XXXX XXXX. I called their number ( XXXX ) XXXX appearing on website and was unable to speak with a representative due to their automated system. I left my information on their system following all prompts and instructions. This was done two weeks ago. The message said they would have a representative reach out to me but they have not contacted me in any way. I do not have an account with XXXX and have not had any services from XXXX for approximately 5 years. I have not been contacted by XXXX and have not been contacted by Franklin Collection Agency although they continue to report that I have a past due balance to the credit bureaus.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Hey my names XXXX XXXX im a victim of identity theft and is unaware where my financial stability became very low and I've tried over and over on clear all inquiries debt collections and checking accounts including my names been red flagged for non sufficient funds and unauthorized payments i tried my best to avoid these issues im in a unfortunate situation and would like to clear my slate with all the inquiries bank account openings bounced checks and chexsystems blacklisting including XXXX and XXXX XXXX XXXX please help with this predicament and if u can investigate and need further assistance please contact me I appreciate it thank you and God bless.
Consumer complaint received 2021-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

On XX/XX/XXXX XXXX XXXX XXXX had noted that our home equity was paid off and that they were going to send the satisfaction of lien to my county records department. As of XX/XX/XXXX this still has not happened and Im yet again told to wait another 10 weeks for the lien release to be recorded. They have screwed me out of refinancing at an extremely low interest rate not once but twice. I am frustrated. I would also like to note that Dovenmuehle Mortgage services the loans for XXXX XXXX XXXX so I was told yesterday from XXXX that since the loan is paid off they dont deal with the account anymore.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX and TransUnion are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

I NEED MY MONEY STILL I SENT A WIRE ON XX/XX/2021 FROM XXXX TO CITIBANK in THE AMOUNT OF {$4500.00} AND IT IS STILL FROZEN. LACK OF COMMUNICATION THE CONSUMER WAS NOT NOTIFIED UNTIL SUNDAY XX/XX/XXXX STILL INCONSITENT INFORMATION AND MONEY NOT RETURNED OR TRANSMITTED IM GOING TO SUE XXXX XXXX XXXX OF SANCTIONS INVESTIGATIONS XXXX XXXX XXXX OF COMPLIANCE AND THEIR CEO. 

EXPECT A LAWSUIT FROM THIS XXXX XXXX I SPOKE WITH XXXX THE WIRE SUPERVISOR AT CITIBANK EMPLOYEE ID XXXX AND SHE TOLD ME ON XX/XX/2021 THAT CITIBANK IS STILL WAITING ON INFORMATION FROM XXXX. XXXX XXXX ANOTHER WIRE SUPERVISOR STATED THE MONEY WAS RETURNED TO CHASE ON XX/XX/XXXX. ( THIS IS INCORRECT A LIE WHATEVER YOU CALL IT ) XXXX STATES SHE IS WAITING ON CHASE TO SEND THEM ADDITIONAL INFORMATION ALTHOUGH XXXX SAID ADDITIONAL INFORMATION WAS SENT AND ANOTHER XXXX REPRESENTATIVE FROM EXECUTIVE MANAGEMENT NAMED XXXX TOLD ME I NEEDED TO REACH OUT TO CITIBANK AND GIVE THEM THE INFORMATION THEY ARE REQUESTING BUT XXXX WIRE EMAILED ME TOLD ME THEY GAVE IT TO THEM AND CITI STATES TO ME TO ASK THEM TO SEND IT THAT THEY MUST SEND IT. 

WHAT RIGHTS DO I HAVE? NONE ITS EVIDENT IM JUST A SLAVE XXXX XXXX WHO IS HAS NO RIGHTS IN THE UNITED STATES. I SERVED THIS COUNTRY HONORABLE IN THE XXXX XXXX AND THIS IS TRUE XXXX IN ITS FINEST FORM. 

I MEAN THIS FROM THE BOTTOM OF MY HEART CITIBANK XXXX YOU
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, XXXX, AND EXPERIAN ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CO)

To whom it may concern. 

Id like to submit a formal complaint about Binance US, their customer service and the quality of their service in general. 
Ever since I created an account with Binance US approximately six months ago, I have encountered number off issues. Even though I went through all the required steps of verification, I would experience The issues with Binance system that would not allow me to purchase cryptocurrency, or sell cryptocurrency, or transfer the money from my checking account to USD wallet on Binance US, or it would not allow me to plug in my debit card. 
When I would write a message to customer service, it would take them days to respond. It would be weeks before they do anything. And they would ask me to email them very sensitive personal financial information even though I already submitted that information before, even though everything was verified by their system, even though I have already made purchases and money transfers before. But they would be asking to email them more information like banking statements for the last few months etc. And then they would say that they had to do that to white-list my account. I dont even know what that means. When I would ask them questions why my account still didnt work even though I went through all the proper notification steps, and why they are requesting more of the sensitive documents, they would not answer questions, and they would be kind of rude in their email response.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

On XX/XX/2021 Chime closed my account with no specific reason. I tried to login in to my account and it stayed that account was closed down. I emailed Chime support & they basically stated that they closed my account due to a violation. I have about {$12000.00} in my account, and Chime will not send out my funds. First, they stated 30 days but once I emailed them again on XX/XX/2021 they stated that Im not eligible for my refund. I just want my money and Chime is not being helpful at all!
Consumer complaint received 2021-02-25
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: BMW Financial Services NA, LLC (NY)

Hi I was reviewing my credit report and I saw a bmw on my credit report I dont know who took it out, I tried calling bmw they wont release the contract who signed for it I naver ever gave someone permission or authorization to take out a car the date is XXXX XX/XX/2020 XXXX loan Please help me out to report this
Consumer complaint received 2022-07-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MD)

I have sent all my documents several times to the loan modification processor and I keep receiving request for the same documents. They ask for us to complete documents that are already completed and sign. We are being treated unfairly. 
One of the document requested was the taxpayer first act document. We sent it and they just told us it was not complete and as you see it was signed and sent via mail and email on XX/XX/22
Consumer complaint received 2021-05-19
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)

Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report. 
Ive never done business with XXXX XXXX XXXX, Or XXXX XXXX XXXX XXXX nor or signed into a written contract with these companies. This is a fraudulent account!!
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2022, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX, XXXX, OH XXXX around XXXX PM. 

Unfortunately, the machine asked me to " Please take your cash '' but there was no cash dispensed. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was canceled and I assumed the issue would sort itself out. A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After a few weeks, the dispute was denied. I called Fifth Third and asked to re-open the dispute and I sent the video to the dispute team. I also filed a CFPB complaint. The CFPB complaint was closed shortly after receiving a letter stating they were still reviewing the incident. This week, I received another letter from Fifth Third Bank indicating they conducted an audit on the machine and found no discrepancy, however despite my repeated requests to view the security footage, they've given no indication they have done so. 

I assume this, too, will be closed, but I want to ensure I fully document my attempts to address this issue through every proper channel. The video of the ATM malfunction can be viewed on XXXX here XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (GA)

I made a complaint about Chase for a joint account I had with my Daughter 's back in XX/XX/XXXX they finally sent a letter on explain what happen. I understand them taking my money out of my private account to making the account good with the joint. And close both account. On XX/XX/XXXX Spoke with XXXX Chase employees and they advise me on a record line that I would received the remain balance XXXX??? in XXXX to 7 days that was taking out of my private account without my daughter 's name. But as of XX/XX/XXXX I have not received a check, so I called to speak with the same employee and he advised me that my check was sent to my daughter and it was nothing them could do, because they account was close. I ask why did yall give my money to the person that account was in the negative and my account made it good. That don't make sense. He said they are the Bank and they would do whatever they want to. I begin crying and saying can I speak with XXXX please. this cant be right it was my remain balance not my daughter 's. The money was in my private account without her name. So can the bank send me to whoever they want?? please help me understand. I did right and pay a off set on a joint account but cant get my remain balance back. Also this was account was set up when she was in College XXXX XXXX XXXXXXXX when do they terminate a college account she is XXXX XXXX  now. So the BANKS have no accountable when they do wrong. Why the check was not made out to both of us and if it was she was able to cash that mean fraud happen. HELP someone help me make sense of this.
Consumer complaint received 2020-08-29
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: TRUIST FINANCIAL CORPORATION (TX)

I have a loan with SHEFFIELD FN and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SHEFFIELD FN and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My applications for loan discharge has been denied the first and second time because the school is listed as still open. Despite me providing proof from the XXXXXXXX XXXX  ( as per emails with the school administration and bursars office as well as the office of financial aid at the XXXX XXXX, where it clearly states verbatim from school financial aid department administration that the school closed XX/XX/2020. 


My loan server, as well as NYS federal student loan is repeatedly giving me contacted information phone numbers as well as emails where each phone number provided is a disconnected number. Emails are never responded to or bounce back as invalid or unable to deliver email to provided address.
Consumer complaint received 2022-04-29
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)

To whom this may concern ; I have reached out to all 3 credit bureaus because I checked my credit report and I have noticed unknown, unauthorized, and unrecognized inquires on my report from the following companies and I want them removed from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  RI XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, MA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2020-08-29
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. (TX)

I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by XXXX XXXX XXXX TransUnion. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed. 
Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on XXXX report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.