davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have inaccurate accounts reporting on Experian and they have not addressed them and violating my rights according to the FCRA section 609 by keep reporting this information without signed factual proof
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NV)

My name is XXXX XXXX I had an online checking account with chime ... they closed my account and stated my balance would be sent to me with within 30 days of closure which was XX/XX/XXXX .... Ive contacted them numerous times to get excuse after excuse and still no check as of XX/XX/XXXX .... they have emailed me back saying check was coming and would provide a tracking number ... never providing the information promised or the actual check ... now there not even contacting me back!!! When I try to call it prompts me to email and hangs up on me ... please help me!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX
Consumer complaint received 2021-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I purchased a XXXX bag on XXXX  for {$2700.00} from a seller named XXXX, and paid through XXXX with my CapitalOne Visa Credit Card. I received a fake pair of XXXX XXXX shoes, not the bag I paid for. 

I contacted XXXX about this and after their investigation, they found other fraud activities from this seller and removed this person from their platform. 

I filed a dispute with my card issuer Capital One/Visa to recover my funds, and provided them all the documents I have, including email from XXXX confirming that this seller is a scammer and has been removed from their platform, XXXX sent them documents siding with the seller based on the fact that a package was delivered to my address, with the tracking number the seller provided, even though the contents of the said package is not what I ordered and paid for. Capital One closed the case and offered no help whatsoever, then referred me back to XXXX. XXXX informed me that they would have refunded my money but since the case went to my card issuer, they are the higher authority so there is nothing XXXX can do now. I also filed a complaint with the Internet Crime Complaint Center. Right now, I am scammed out of {$2700.00}. XXXX, Capital One and Visa have so far colluded with this seller to defraud me. I am trying to recover my money.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-01-05
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. Equifax IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I made a wire transfer to someone who lives in XXXX. The person said that they never received the money. I have made many trips to the bank in XXXX. I was told that they are trying to refund the money back into my account but that has not happened. Last couple of times I went there the branch is closed it looks like permanently. I tried to call the person who was handling the case for me but he doesn't answer. I went to another branch in XXXX. They couldn't help me. They just gave me a phone number to call. When I called that number the person put me on hold and then the connection was lost. On the bottom of the receipt that was given to me at the time of the transfer I see this number where it says if you have questions or complaints to call that number. When I called that person told me to go on line and file a complaint since no one else from Chase can help me.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: UNITED BANKSHARES, INC. (VA)

On XX/XX/XXXX at approximately XXXX, I visited XXXX XXXX United Bank drive through ( the closest to me ) to send an international money transfer of {$5000.00} to XXXX XXXX the money was needed for my late XXXX XXXXXX/XX/XXXX funeral, they stated availability date on the receipt, was XX/XX/XXXX, but up till today ( XX/XX/XXXX XXXX, the money was never received, I have tried working things out with the bank but to no avail. 
On XX/XX/XXXX, I reached out to the branch manager to get a tracking for the transaction, I was told it cost {$50.00} which I was ok with but I never got the tracking requested, then a few days later I demanded a refund and was told that the receiving bank will charge {$35.00} and till date I have not gotten my money back. 
I have been going back and forth with United bank since then, when I call they say they will reach out to their wire department and let me know but I never hear back from the bank until I call them and they give me the same story, like a loop. 
On XX/XX/XXXX, I received an email from the XXXX XXXX branch assistant manager that the money was confirmed to be credited to the beneficiaries account on XX/XX/XXXX and was asked if I still wanted it recall and I said yes because the funeral was already done, I also reached out to the beneficiary and he confirmed the money was not there, I reached back out to the branch to get proof of remittance and got nothing back. I even gave them the receiving bank contact information because they claimed they could not reach them ( I mean I got the info from XXXX and they could have gotten it too if they tried ). 
I also received an account closure mail on XX/XX/XXXX from my branch in XXXXXX/XX/XXXX that they've elected to close my account, I called to ask why and I was told that it is because I don't buy groceries, gas etc like everyone else with that card thus they see me as high risk, I then asked about the pending international wire and the manager said that the bank has been forthcoming from the beginning that the information used was incorrect ( I did double check with the beneficiary and it was correct ) then I asked why he didn't say anything when I called him XXXX XXXX 's branch ) before to complain about the issues with XXXX XXXX branch and he said because you did not send it through my branch. They also ended up not closing the account. 
After over six months of calling customer services and dealing with two managers and two assistant managers, United Bank has failed to deliver, track/trace or recall the {$5000.00} sent since XX/XX/XXXX. 
If you bank with or are thinking about banking with United Bank ( www.bankwithunited.com ), please save yourself these headaches, do not wire money with them!
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

Navy Federal Froze my accounts on XX/XX/20 without any type of notifications. The company failed to send me an email, Text, or Phone call to inform me About anything. After attempting to use my debit card that was declined, I provided a call to the Navy Federal on XX/XX/20. After calling to see why the debit card was declined, A representative informed me that the company placed a freeze on my accounts for security purposes. The Company is  requesting proof of ID and residents. Ive provided this information to the company multiple times prior to the incident. Ive yet again submitted the information to the company and they have yet to unfreeze my accounts or release my funds to me. This is unexceptional and action needs to be taken ASAP!
Consumer complaint received 2021-01-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DRB-40, LLC (SC)

I had a loan with XXXX that went into collections with XXXX XXXX supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to Diversified Recovery Bureau so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NY)

My financed vehicle was involved in a total loss settlement that resulted in the loan balance being paid in full. Due to the delay in closing the claim, I continued to pay the monthly payments as scheduled, for the periods of XX/XX/XXXX and XX/XX/XXXX. As the insurance company payment was retroactively applied, the finance company refunded me the balance of those payments that I made in the interim. 

In processing the adjustment to my account, the Ridgecrest rescinded those legitimate payments and erroneously notified the XXXX credit reporting agency that I was delinquent for the period of XX/XX/XXXX and XX/XX/XXXX. This has resulted in an erroneous 60 day delinquency to be associated with my credit profile. 

I would request that this erroneous notification be immediately removed and that Ridgecrest be assessed an appropriate penalty.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

n accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -XXXX XXXX Account XXXX XXXX, XXXX Account number XXXX, -XXXX XXXX Account number XXXX, -XXXX XXXX, Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-09
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: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank still not reporting my monthly mortgage payments. I received a letter in XX/XX/XXXX from the Fifth Third Bank, Office of the President, where they tell me that they apologize for the inconvenience, and they said that they did an investigation about my mortgage loan and the bank is reporting my information to the credit bureaus, however they contacted the credit bureaus, and they was informed XXXX, XXXX an XXXX deleted my tradeline due to the date of first delinquency ocurring in XX/XX/XXXX when my bankruptcy XXXX  XXXX was filed. Fifth Third Bank reinstated my mortgage loan in XX/XX/XXXX. I received the discharge letter from the Bankruptcy Court on XX/XX/XXXX. I contacted XXXX, XXXX and XXXX, and I was told that Fifth Third Bank needs to report my mortgage payments, because they can't find anyreport of my payments to the bank.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -XXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, -XXXX XXXX, Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc. (TX)

Synerprise Consulting applied an unsubstantiated and disputed derogatory account on my credit bureau file. The disputed derogatory account was never agreed to by me. I never signed any agreements to pay the account in question. I never signed or agreed to be the guarantor for the disputed account. Snyerprise Consulting never contacted me prior to reporting the account as mine. I never signed any promissory note for the referenced account. And as previously stated I never signed or agreed to be guarantor for the account. Snyerprise Consulting has not provided any documentation of proof that I agreed or signed for the account in question. I never opened the account in question. I never signed any documentation agreeing to the account. I never agreed or signed documentation making myself guarantor or responsible for the account.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (TN)

I spoke with a representative at XXXX to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.
Consumer complaint received 2021-01-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Reference XXXX XX/XX/2020 LETTER OF DISPUTE I disagree with the outcome of the dispute with XXXX XXXX XXXX for the amount of {$650.00} posted on XX/XX/2020 on my XXXX Chase XXXX account. 

On XX/XX/2020 Ive made two purchases with different XXXX XXXX for the amount of {$650.00} using my XXXX Visa card one of the transactions was made with in store purchase ( XXXX  XXXX  XXXX ), another one was made using XXXX XXXX ( XXXX  XXXX  XXXX ). Both charges were for the XXXX XXXX XXXX  which Ive purchased but had to return. 

While XXXX  XXXX  XXXX transaction was properly refunded as shown on my account, XXXX XXXX XXXX wasnt refunded even though the return was completed via XXXX Tracking XXXX XXXX XXXX on XX/XX/2020 within XXXX Return & Refund policy. Please consider supporting documents attached. 

On XX/XX/2020 Ive received a message from Chase, stating that my billing dispute was closed because the merchant is already issued a refund, which isnt correct, because XXXX XXXX XXXX didnt refund {$650.00} back to my account. 


Therefore, Im kindly asking to reopen a billing investigation, consider all the supporting documents attached and credit back {$650.00} back to my account. 




Kind regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (IL)

Credence Resource Management is the current collection agency that is trying to collect a debt for XXXX XXXX XXXX  that I do not owe. this is the fifth time i have to have this removed from my credit report. This is now harassment. I returned XXXX XXXX XXXX 's equipment witch i have documentation of. I have contacted XXXX XXXX XXXX and they are of no help. Every time I get this removed a month later XXXX XXXX XXXX sends someone else after me for money I don't owe.
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-12-31
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. (NC)

THIS IS THE 3RD TIME I HAVE HAD TO FILE THIS COMPLAINT. I WAS IN OHIO I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX OH HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANYTHING FROM XXXX XXXX XXXX. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (CA)

On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. Experian, XXXX  and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, Experian managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, XXXX  is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and Experian found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how XXXX  is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but XXXX  and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MARINER FINANCE, LLC (OH)

It is to my understanding that a credit inquiry is to remain on your CR for a maximum of 2 years, XXXX car dealerships have inquired on my credit in the year XXXX to my awareness, however they have a supposed removal date of XXXX & XX/XX/XXXX - how is this possible? 

Problem # XXXX : Mariners Finance " continues to get their inquiry " PASTED on my report, which was supposed to be removed in XX/XX/XXXX on a supposed inquiry in XXXX Why are these losers constantly poking around my report for?
Consumer complaint received 2021-01-05
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: Avantus, LLC (IL)

Hello, This Company is reporting incorrect inaccuracies on my report! I have NEVER took a public report or judgement out! AVANTUS have not followed the FCRA GUIDELINES In properly deleting it! I do not have a public report nor judgement! They claim the information is validated by the credit Credit Bureaus but that is a not true because there is NO judgment or public report listed on experian, transunion, equifax. If this company is governed by the FCRA what are the method of verification used? Because it was told to me and the infomation listed is on their website they get/verify/validate with XXXX/XXXX/XXXX. None of the repositories listed have the information included on my personal report!! That information is NOT MINE AND unverified according to FCRA