davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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: JPMORGAN CHASE & CO. (NY)

I ordered an item totaling {$3200.00} from The XXXXXXXX XXXX website with my credit card through XXXX. The item, never arrived to me despite it being scheduled to arrive on XX/XX/2023. After unsuccessful calls with The XXXXXXXX XXXX customer service, I opened a credit card dispute with my card issuer directly on XX/XX/2023. 

On XX/XX/XXXX, the customer service team at The XXXX advised that in order for them to give me the refund, I would have to close the dispute with my card issuer. I obliged and closed the dispute. The seller, sent me proof that the refund was issued but was not coming through to me through XXXX on XX/XX/XXXX. The seller then dropped the case, claiming they sent the refund, and that I was responsible for coordinating with my card issuer and XXXX to get my refund as the funds are now locked between the card issuer and XXXX, and not anymore with the seller. 

XXXX advised that it may take up to 75 days for them to decide on the case, and asked me in the meantime to re-open my dispute with my card issuer. I successfully re-opened the dispute with Chase on XX/XX/2023. However, on XX/XX/XXXX, I was notified by XXXX that the dispute was closed in favor of the seller. My card issuer, also notified me on XX/XX/2023, that the re-dispute I opened on XX/XX/XXXX, was also closed in favor of the seller. 

I am left with not resolution, and no refund to my card. I want to add that Chase, has provided me with unclear directions on how to re-open the dispute, and where the funds are on multiple occasions, which delayed my ability to attempt to find a resolution to this case. They also falsely claimed that I would get my refund, when it never arrived to me, then backtracking and claiming the refund never actually arrived to them. On XX/XX/XXXX, Chase is claiming that they sent me a letter to update me on the re-dispute via a paper letter in the mail, but I have not received that. I believe they are unsure of what they mean and are not clear with the result of this re-dispute. 

I also want to add that several XXXX representatives have done the same, claiming that cases were closed when they were not, or that funds will be issued to me, when they were not. 

The XXXX, also did not provide adequate service, as they kept claiming they issued the refund, but XXXX claims the refund was never submitted. There is a clear lack of communication between the customer service representatives from all three parties, which led to a lot of back and forth with them, and over 25 phone calls and several emails with these parties. As of today, I do not have my refund and I am confused as to where my money is. I simply would like my refund as it has been 2 months, with no resolution to this issue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I've identified discrepancies on my credit report relating to 15 USC 16c-2. The inquiries listed were not authorized by me, and this incorrect information is hurting my credit score. Kindly remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had fraudulent activity where my money was withdrawn out of my account in XXXX, I am in XXXX. The bank gave me a provisional credit until their investigation was complete. I received a notice that the investigation was complete and it was decided there was no fraud. I called the bank to ask how they determined that it wasn't fraud and I was told that there was no sufficient evidence. I requested the investigation report on how they determined their finding and nothing has yet to be provided to me. On XX/XX/year>, they took back all the money and left me in the negative. Same day, I called the bank and asked for another investigation and for the funds to be put back in my account. I was told that would not be possible that the investigation was over and no fraud was found. I have video, witnesses, and a time card that show l was at work during the time my money was being withdrawn from my account.
Consumer complaint received 2021-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (OH)

A scam company called XXXX XXXX that poses as a fake online exchange run by a man named XXXX XXXX at XXXX XXXX XXXX in XXXX CT dba XXXX XXXX XXXX used their XXXX app on the XXXX XXXX XXXX ( which is registered to them excludively ) to obtain ACH and routing info for my bank, which they then used to defraud me and steal {$1800.00} out of my US bank account with unauthorized ACH charges. 

I notified my bank immediately ( US Bank ) who saw the theft happening and blocked the merchant ID of XXXX. However, one or more other merchant IDs with a different letter or name like " XXXX XXXX '' rather than " XXXX '' was used to try and pull more out to steal from me by ACH when they realized the other one was blocked.

US bank started a new account for me to prevent XXXX aka XXXX XXXX from stealing what was left. 

XXXX then ( and only then ) responded to contact emails sent 2-3 months ago from XX/XX/XXXX saying he " could only send part of the money back that he took without permission if I gave him the new ACH and routing number '' which I knew he did not need to return the money because the old one was deliberately left available for deposit only by US bank and no withdrawals, and the only reason XXXX needed the new ACH was to keep stealing from it. 

When I refused to give him the new routing and account number, he said he could not send any part back that he stole. 

US Bank was able to recover {$1400.00} out of the {$1800.00} that was stolen by XXXX XXXX aka XXXX, but XXXX lied to his merchant saying {$400.00} was a valid charge when NO PART OF IT WAS VALID to get away with stealing the remaining {$400.00} from me. No service or anything was ever provided, it was just taken from my account. 

I am asking for your help to get that remaining {$400.00} back that he has gotten away with stealing. US Bank prematurely closed the case after only {$1400.00} of it was returned, but the amount stolen and FDIC insured was {$1800.00}. US Bank said there isn't anything they can do about the other {$400.00}, so I am asking for your help to get that returned to me. 

In addition to the {$1800.00} taken from my bank account which was never used for cryptocurrency and never authorized for withdrawals, XXXX XXXX aka XXXX XXXX made over {$700.00} of bitcoin sent to them " disappear '' and claimed it was an " AI system error '' and could not be recovered, putting what they had tried to steal from me at over {$2500.00} and thus far, what they got away with stealing is {$1100.00}, {$700.00} of which is alt currency and outside of FDIC protection, while {$400.00} in unauthorized ach is FDIC insured and needs to be returned immediately. Part of this money XXXX has stolen was from money sent by the IRS to me, making what XXXX XXXX has done a federal crime. 

Please help to return the {$400.00} remaining that XXXX  has stolen, be it by intervention with US Bank or by other legal means. Thank you.
Consumer complaint received 2023-06-07
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. (FL)

I send previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-06-09
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. (DE)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX. 
XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-28
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-07-28
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 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
Consumer complaint received 2024-10-30
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. (PA)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX DOB XX/XX/XXXX XXXX Date XX/XX/XXXX TO WHOM IT MAY CONCERN, I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA locked my accounts on XXXX and said they needed to verify my identity by receiving a picture of my ID. Within minutes I submitted both front and back copies of my license. They have continued to lock my accounts for 4 days without significant reasoning. I have provided everything they have asked for. I have submitted ID pictures, social security, pin codes, everything they have requested. I can not access my funds and am missing payments and this is extremely impacting my health and well being. Please help me resolve this quickly.
Consumer complaint received 2023-07-28
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. (MS)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2021-05-15
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: DISCOVER BANK (IL)

I prepaid for a months at the extended stay to receive a discount. None of the hotels description matched the actual hotel including website and ratings. upon arrival I was told there were no rooms available and the one would be a XXXX upcharge. I was also asked to come back at XXXX for my room, the front desk closed at XXXX. I was not shown my room before hand I was just given a key. There were no amenities that were advertised included ( pots, pans, kitchen utensils ). The room had bugs, stove did not work and was unsanitary, I stayed two nights and left when I was very concerned for my safety. This included another guest informing me the place was a known XXXX, homeless and XXXX spot. I am a small women traveling alone. When I left I contacted both the hotel and discover several times asking for a full refund due to the money I spent having to wash all my clothes and buy sheets and a blanket. I was denimed. Discover admitted the rooms looked nothing like the website and the whole thing was false advertising and fraudulent but told me that if the extended had a room available, they were allowed to charge me even if I provided proof I had left the hotel.
Consumer complaint received 2023-07-28
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2021-08-12
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. (WA)

My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XXXX of 2017, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.
Consumer complaint received 2024-10-29
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. (CA)

I have sent multiple disputes to Transunion to resolve this isssue but they send me back a letter saying the unauthorized open sky bank account is verified. Transunion is not complying and allowing me the right to a fair credit report with only accurate and authorized information being reported. I request Transunion remove the OPEN SKY bank account asap and if they continue to report the innacurate and unauthorized account then I will sue them under the FCRA
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/2023 I deposited a check into my primary Bank of America account. I was told there was a second account in my name that I had not authorized. I told the bank representative to deposit my funds into my primary authorized account. Through an act of carelessness, the bank rep deposited the money into the wrong account. I spent the next 2 weeks calling the Bank Of America fraud department asking to have my funds released and the unauthorized account closed. A month later for reasons they failed to disclose Bank of America then froze my active checking account that I've had an used for 13 years. I continued to call. I provided every piece of documentation I was asked for. I went to my local branch seeking resolution many times in this matter. It has been 90 days and the unauthorized account is still frozen. Bank of America is holding approximately {$420.00}. In addition to freezing my funds into an unauthorized account, they are charging me a monthly maintenance fee that is eating away at the balance. My initial deposit was for {$440.00}.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TN)

I am filing a complaint regarding an inaccurate collection account that has reappeared on my XXXX credit report. The collection account, reported by IC System for {$230.00}, is tied to a debt with XXXX XXXX. This is the exact same debt that was previously resolved and removed from my credit report last year, following a complaint I filed with your office. 

To provide background, this issue arose after I moved to a new residence in XX/XX/XXXX. I contacted XXXX to transfer my XXXX services to the new address and was assured that my final bill from the old address would be transferred to my new account. However, this did not happen. Despite multiple attempts to resolve the matter with XXXX, their representative confirmed that the debt had been improperly assigned to my old account. A ticket was submitted ( Ticket Number : XXXX ) to correct the error, but it was not properly addressed. 

In XXXX, when XXXX XXXX  was handling this debt, I filed a complaint with the Consumer Financial Protection Bureau, and the collection was removed from my credit report. That complaint was assigned case number XXXX and was submitted on XX/XX/XXXX. However, the same debt has now been picked up by IC System and incorrectly reported once again on my XXXX report. 

Given that this is the exact same debt, I request that IC Systems collection be removed from my credit report as it was previously found to be inaccurate. I am submitting this complaint to seek your assistance in resolving this matter once more.
Consumer complaint received 2021-08-12
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. (MD)

Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX  balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!