davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (AZ)

I am submitting to formally dispute an items on my credit report that I believe is the result of fraud. I have identified these items as fraudulent, as they does not belong to me and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX XXXX  XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-11
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. (NJ)

Hello, So back in XXXX, with my chase sapphire reserve card I ordered an engagement ring for my fiance from XXXX  from a company called XXXX XXXXXXXX XXXX I was promised the ring would show up in XXXX, and for two months after that, never saw the ring. I was having issues communicating with them due to the timezone and they would never get back to me, so I made arragements with chase to get my {$2800.00} credited back to my account. At the time of the dispute, they claim they asked for more information and tried to call and email me, and I never receieved anything, nor did I get mail, so they reversed the credit. I did end up getting the ring, but it was not what the picture showed it to be, it did not fit and because it was international I could just return it for sizing and adjustments so I decided to return the ring. 

I returned the ring, and now when I call chase to get my money back AGAIN because they still won't credit me and I can't get ahold of the jeweler, chase tells me they can't reopen the case because I failed to respond to them the first time, but they never reached out to me. I even told them I could provide proof, documents, etc and got told no by two supervisors. I just want my XXXX dollar back and so should chase, it's their money.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (MS)

THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT P AND C, THEY MUST DELETE THIS IMMEDIATELY!!
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am filing this FTC identity theft affidavit to report a fraudulent accounts appearing on my consumer file credit report which I do not recognize as reported and which are the results of XXXX XXXX and fraud. This fraudulent accounts resurgent capital serviceLVNV FUNDING on XXXX  Under the REFERENCE ID XXXX. This accounts has also resulted in illegal inquiry on XXXX, XXXXXXXX XXXX, 2 day before they bought the collection account on XXXX, XXXX XXXX from original creditor XXXX XXXX XXXX. that they stated in their own words they shouldnt have illegally pulled my credit report before buying buying a fraudulent debt in my name. i demand that the aforementioned fraudulent items be removed from each of my consumer, credit reports and all collection activity related to said items, cease, pursuant to my rights within the FCRA in the FDCP laws.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

Please cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
I do not owe any outstanding balance to this alleged debt.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 
1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

Best buy/Citi bank illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXXXXXX XXXX to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant Citi with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have XXXX negitives when this is my only credit card without a XXXX due to the dispute if they would had took the time to ASK and know XXXX is on an internal hold DUE TO FRAUD intil i turn in my ID and social and POA they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances : XXXXXXXX XXXX XXXX as of XXXX XXXX XXXX XXXX as of XX/XX/year>XXXX XXXX XXXX XXXX they actually owe me for over payment as of XX/XX/scrub>XXXX XXXX XXXX XXXX both XXXX ) XXXX!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (MA)

I ve grabed my credit report back in XXXX of XXXX  lookin to get an education for me as I want to have superior education when I saw it my jaw dropped I had not one but four accounts open 2 with the same creditor and one of each I called these creditors and they stated they investigate the issue never did I wanted to them to acknowledge my documentation and no avail I dont know what to I need HELP!!!!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-07
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: CITIBANK, N.A. (TX)

This is in regards to a CitiBank XXXX XXXX AAdvantage credit card that I currently hold. 

Unauthorized charges appeared on the account XX/XX/XXXX from XXXX XXXX for {$1400.00} each. I had reported the activity immediately to CitiBank immediately and they sent me a new card and directed me to their customer service team to make a dispute. The last call I had made to the Citi Bank customer service team ( XXXX ) in the middle of XX/XX/XXXX, someone named XXXX from their team assured me that the XXXX unauthorized charges and interest charges would be credited by XX/XX/XXXX, after the closing of the previous billing cycle, however the charges have not been credited to my account as of XX/XX/XXXX, which is two billing cycles after the unauthorized charges occurred. 

I have made several phone calls and spent several hours speaking with their customer service and fraud teams and have yet to see resolution to the matter. 

Summary of the unauthorized/disputed charges : # XXXX : XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX {$1400.00} # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} Intertest charges incurred as XXXX result that the customer service team ( XXXX ) assured me would be credited back to my account : # XXXX : XX/XX/XXXX : {$61.00} # XXXX : XX/XX/XXXX : {$120.00}
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2024-08-29
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. (MD)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I sent money to coinbase to purchase digital assets. I haven't done anything, but coinbase locked my account for 30 days due to suspicious activity. I even had to verify my identity a second time. They stated that there is no way to expedite this process. What suspicious activity? All I did was sent money to coinbase. They are holding my money causing me to miss the window of opportunity of investment that I was anticipating. I have been checking everyday with anxiety!
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

I tried to deposit {$460.00} cash into US bank atm located on XXXX XXXX XXXX XXXX, XXXX XXXX using a XXXX debit card at XXXX on XX/XX/24. The ATM took my money and gave me a receipt stating an error had occurred and it was not able to return my money. After contacting both XXXX and US bank they both told me that it was the other financial institutions responsibility. Spent over 5 hours on the phone and in the branch trying to resolve the issue. Nobody has helped me. Contacted the ATM vendor, who told me that it was on the bank ( US bank ) to reach out to them to resolve the issue.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

Best buy/Citi bank illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXX XXXX to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant Citi with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have 0 negitives when this is my only credit card without a 0 due to the dispute if they would had took the time to ASK and know XXXX is on an internal hold DUE TO FRAUD intil i turn in my ID and social and POA they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances : XXXXXXXX XXXX XXXX  as oXXXX XXXX XXXX XXXX XXXX as oXXXX XXXX XXXX XXXX XXXX they actually owe me for over payment as of XX/XX/scrub>XXXX XXXX XXXXXXXX ( both XXXX ) XXXX!
Consumer complaint received 2024-09-23
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. (AR)

Over the past three months, I have contacted XXXX and Experian concerning the negative account with XXXX XXXX and the keep telling me the debt is validated and keep reporting inaccurate information. They told me the credit report had been updated and to take it up with XXXX XXXX XXXX but they are the ones who are reporting the information, and they know its inaccurate information. I had the car for 7 days and they never validated what or how much they resold the car for, and why they are reporting negative information on my credit. I have a XXXX balance with delinquent and late payments showing on my account as if I'm not making payments.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-12
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: TomoCredit Inc. (AZ)

I signed up with the business XX/XX/2024. Expecting a tradeline for bill history to be added to my credit reports with all 3 bureaus. By XX/XX/2024 there was no tradeline history added to my credit profile on any bureau. I had consistent conversation through email requesting a response for why my tradeline was not being reported. I was getting the same response of it can take longer then expected. The advertised terms state it can take a month to be reported. There was no line reported after 3 months. The company states I requested a cancelation when there was never a email that stated to cancel the service. They just canceled it so they would not have to provide the service. However I still paid for two months of a service that was never rendered. I have complained to the company, the XXXX, the Attorney Generals Office, and Consumer finance. With no response being responded to besides consumer finance. I have tried to ask for my money back numerous times with warning of what will take place if I am not reimbursed for a service that was never provided. I have taken all proper procedure methods in order to obtain a settlement for my funds for that service with no success. This is my last attempt in requesting the funding back since services were not provided. All methods of communication will be used as evidence. There will be no stance to try to counter you all spending money because of me requesting my funds back. I have completed all correct measures to obtain my funds back and if you all will like to spend more money to try to fight the process for getting my money back for a service that was never rendered, then that will be your choice. You have been sent a letter from a Attorneys office stating the law in Arizona, where that service was bought and supposed to be provided, and your attorney did not contact the law office or myself as law is stated to do so. So with all this proof of communication I will proceed to claims. Thank you.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (PA)

Chase Auto Financing received payoff money for an XXXX  XXXXXXXX XXXX XXXX that was a Lemon Law vehicle in XXXX. 
Upon confirming receipt of payoff funds Chase refuses to process payoff on account and with credit bureau! 
While not providing a reason for the delay. 
The way Chase does business skates on unethical and biased.