davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (GA)

First I am complaining about a fraudulent transaction by XXXX on my Barclay MasterCard ending in # XXXX. I made a legitimate purchase on XX/XX/2016, but after much delay in receiving my purchased items. I contacted the company directly, and hey hold that per XXXX the package was delivered and signed for. However, while I can not dispute what XXXX claims to have occurred, I can attest, that it was not me that received and signed for the package and I have not received them to-date. 

After speaking with the vendor and getting nothing of production, I 'm forced to begin acting as my advocate in the return of my $ $ and must purchase elsewhere.. It is not my responsibility to find the package they sent, it is their responsibility per XXXX policy ... as the shipper. Me as the receiver, I can not compel anything in regards to the transaction between XXXX and XXXX ... 

Secondly, I am complaining about the transaction dispute process that prevents ease & simplicity vs requiring either fax or written complaint ....
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : XXXX TransUnion XXXX XXXX XXXX XXXX Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

XXXX Disputes : On XX/XX/2023, I mailed my initial dispute to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent a follow-up dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
TransUnion Disputes : On XX/XX/2023, I sent my first dispute to TransUnion, and it was delivered on XX/XX/2023. 
On XX/XX/2023, I submitted a second dispute to TransUnion, which was delivered on XX/XX/2023. 
XXXX Disputes : On XX/XX/2023, I mailed my second dispute related to the XXXX XXXX  account to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent another dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
XXXX XXXX XXXX Dispute : On XX/XX/2023, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/2023. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-19
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. (TX)

EQUIFAX AND XXXX AND XXXX CONSPIRED TO CHARGE ME FOR SERVICES RENDERED WHEN THEY NEVER RENDERED ME ANY SERVICES. 

I ORDERED XXXX SERVICES ON LINE AND PHONE AND THEY SET A DATE IN ONE WEEK TO SETUP THE SERVICES AND ON THAT DAY XXXX NEVER SHOWED UP TO INSTALL ANYTHING. I CALLED THEM AND THEY SAID SORRY THEY COULD NOT MAKE IT BUT THEY WOULD COME BACK OUT IN ANOTHER WEEK. I TOLD THEM NO THAT I WANTED EVERYTHING CANCEL AS THEY DID NOT HAVE THE COURTSEY TO EVEN CALL ME FOR NOT SHOWING UP AND I DID NOT WISH TO DO BUSINESS WITH SUCH A POOR COMPANY. THEY NEVER CAME TO MY HOUSE PERIOD FOR ANYTHING. 

NEXT I CALLED XXXX AND THEY SAID ALL WAS CANCELLED. 

THAN I GOT REPORTED TO THE TWO CREDIT COMPANIES. AND WROTE BOTH CERTIFIED LETTERS TO NO EFFECT.
Consumer complaint received 2023-09-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

When I was approved for the store credit card, I remember seeing a pop-up that I should be receiving a paper credit card in the mail. I've waited a couple of months expecting my card to arrive in the mail and so I contacted many representatives why I haven't received my credit card at all and I was told they would send a replacement in the mail again. I've never received a credit card at all. I get bills through the mail of how the minimum payment I have to make. I've been making phone payments ever since but I changed my phone number. I've tried to contact them again to update my information as my new number isn't in the system so it will not let me make payments. They ask me for the credit number which I don't have. Then I tell them I need update my phone number for my account because I don't have the old number. I tell them I can provide the account number but they refused to take the information that i can provide to verify that I'm the primary owner of the account. Multiple representatives lied to me saying they've updated my phone number in the system and I get a " suspected fraud '' on my account. My payment is due on the XXXX and I have no way of paying the bill because the representatives refused to update my account information and to pay my bill.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2023-09-21
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. (LA)

I'm trying to purchase a home & the negative items it keeping me from doing so according to the15 U.S. Code $ 1681c-2 there should not be any damages on my report.
Consumer complaint received 2023-09-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (KS)

I have sent 2 certified letters to this company disputing there claim that I owed {$250.00} to XXXX XXXX. There validation is not valid and a misappropriate billing for services that I never received. They have unlawfully reported this to the credit bureau 's which has significantly impacted my credit score. They have violated the Fair Debt Collection Practices Act! I an demanding that this fraudulent act be handled by your agency as soon as possible! Thank you, XXXX XXXX
Consumer complaint received 2022-01-05
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. (VA)

On XXXX, XXXX alerted XXXX Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Network XXXX XXXX XXXX XXXX ) ; Equifax ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called XXXX and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. XXXX will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my credit score could be better if I paid money to them.
Consumer complaint received 2022-01-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (KY)

We did a 15 year refi on our current home, that closed on XX/XX/XXXX. As part of the refi, Chase was so pay down our current HELOC to 0 and roll that into the refinanced amount. Even though everything is through Chase, I received a paper check from the title company, made out to Chase, drawn from a Chase account. I called the title company and after requesting some information from me, they wired the proper amount to Chase. However, Chase now refuses to let us access our HELOC without documentation saying it was a pay down, not a payoff. I've been going back and forth between the title company and the Chase refi servicing department for almost a month and we still can not access our HELOC. We are not in need of the money now but it is our back up funding for our daughter 's wedding in XXXX. Yesterday, the title company shared an email received from Chase, saying I only need to call to have the HELOC reactivated but I'm currently on hold with Chase, who have no idea what I'm talking about and still will not reactivate the account.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to DISCOVERBANK reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc (NJ)

My original complaint was XXXX filled in XX/XX/21. The company provided updates in response but as of XX/XX/21 they still did not resolve the issue and said they were still investigating. The same day consumer finance closed the case. No final response, no correction if the info. Nothing is resolved. Why was the complaint closed? Why is it taking them so long?
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I purchased a truck from a dealership called XXXX XXXX XXXX. 

I paid a {$15000.00} down payment and was under the impression that this same mode of payment would be used on the payments moving forward. When I asked if the payments were on auto-pay, I was told, " That is all set up with the lender ''. Which seemed to mean it was already set up however I was unaware of the fact that this dealership doesn't actually know which lender they are going to use at the time a vehicle is purchased. They spot deliver the vehicle and then go shopping for loan rates ( you can see in the attached file my truck was purchased on XX/XX/XXXX but the loan wasn't opened until XX/XX/XXXX ). 

The address the dealership passed onto Wells Fargo ( the bank lender that ended up providing my loan ) was incorrect and so I never received the mail of my opened account with Wells Fargo ( Wells Fargo confirmed the mail was being returned to them and that they never sent emails, they did have a record of calling out to me but never made contact with me because I am suspicious of random phone numbers and they ). I did not know I had anything to do with Wells Fargo until a collections person reached out to me on XX/XX/XXXX after my account was already reported as delinquent. 

Because the moment I received contact from Wells Fargo ( XX/XX/XXXX ) and was made aware of the loan I had with them I paid the one late payment and current payment and have kept my account perfectly up to date, they have waived my late fee but would not remove the delinquency from my credit report. 

I should have made myself aware of the fact that the payments weren't being taken from my account. 

However, due to the following everything seemed to be taken care of. 

-I was under the impression from the dealership that I had already been set up with the loan. 

-I was led to believe by the dealership 's specialist it was on autopay. 

-I never received notice of a new loan account being opened. 

I never received notice of payment needed. 

I never received notice of a late payment... 

Once I did get contacted, the payment was made immediately. ( ON XX/XX/XXXX ) I have been current with any and all of my accounts. I strongly believe it is clear that this situation was a mistake from multiple angles and it misrepresents my credit history for a delinquent account to be listed on my credit score. 

I also included a screenshot that you can see that all payments have been made since I was made aware of the account and look at all of the account details.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

I purchased a product from a business on XX/XX/XXXX using XXXX with my Chime debit card. I closed my chime bank account on XX/XX/XXXX due to their policies, I requested a refund from the business as the business I purchase the product from had shipping delays on XX/XX/XXXX. XXXX issued the refund to the closed Chime account and instead of rejecting the refund back to XXXX Chime accepted the refund without notifying me. I called Chime and they stated that I would have to wait 30 days for them to mail me a check. This is unacceptable, this is not their money and has no right to keep it for 30 days. The reason why I chime accepted the money instead of rejecting it was to put the money, that they have no right to, in an account that they earn interest on for the 30 days. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021. The business Chime stated in the response that they mailed me a check on XX/XX/2021 for the {$2000.00} that they accepted for a XXXX refund dated XX/XX/2021 on a Chime account that I closed on XX/XX/XXXX. To date, I have NOT received the check they owed me. I have asked for the tracking number of the check and a new check to be sent out and the Chime reps always say the same thing, that they will escalate it to another department and they will contact me via email in XXXX to XXXX hours. I have received no response via email of the multiple time I have called the customer service number and was told that someone would email me. I have called multiple times and the Chime reps are unable or unwilling to give me information on where my money is. I called XX/XX/2021 and the call started at about XXXX pm XXXX and it took about XXXX hours but I got a manager of the managers for the customer service reps named " XXXX '' who told me that they rejected the refund and sent it back to XXXX, and as proof, he emailed me the document I have attached which says nothing about sending the funs back to XXXX. I contacted XXXX and they did a trace on the funds which went to Chime who currently has them. It has been well over a month, I still don't have my money, can't contact anyone who knows what's going on or can help me. I have asked for a tracking number to the mythical check that no one can give me. I have asked for a new check to be sent out to no avail. I have also filed with the state attorney general 's office of California and contacted the FBI about this horrible company. My next move is to file in small claims court and name the CEO of this company as the defendant.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Thia account was charged off on the following date XXXX. Since then the account has been repeatedly been updated as change of every month. This is an update on the payment history. This inaccurate information falsely manipulates the statute of limitations. Experian Failed to investigate this properly and your neglect has violated my rights. I am demanding a deletion of this account immediately. 

EXPERIAN : XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-09-04
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

I Paid this debt in full to another collection company years ago and LVNV has the same debt on my credit that has already been paid. THIS IS CONSIDER DOUBLE JEOPARDY. I have summited information to the bureaus over and over years ago and they will not remove it. I did have proof and had summited proof but it's been so long now that I do not have that company I paid this too. Also LVNV has been reporting each month on my credit as a missed payment and has up the total that was actually owed like they are the creditor. 

The amount that I shown XXXX which is incorrect. The report each month as a late payment. I do not owe this collection. I want it removed from all bureaus...
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had an auto loan with XXXX XXXX XXXX XXXX. After my car was totaled in an accident, the claims adjuster communicated directly with XXXX, indicating they would pay off the loan balance. They required certain information from XXXX to proceed with the payment. However, XXXX was slow to provide this information and insisted that I continue making payments on a loan that was already closed and satisfied. It seemed as though XXXX XXXX deliberately delayed releasing the information to the claims adjuster to keep receiving my payments. I tried to speed up the process by urging XXXX to send the necessary documents to the insurance company for the final loan payment. Eventually, XXXX complied, and the insurance company settled the loan in full. Despite this, XXXX XXXX marked me as late, even though they were aware the car was totaled and the insurance company had agreed to cover the remaining loan balance.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>