davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (VA)

Certified letter was sent and electronically confirmed received by XXXX on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and Transunion proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at Transunion, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a consumer.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (OH)

I have a checking account with SunTrust which is now Truist. On XX/XX/21 a check was forged and cashed for {$9800.00} which was originally issued to XXXX life insurance for {$260.00} written on XX/XX/21. The name on the check was changed to XXXX XXXX Checking acct no XXXX, which was immediately suspended and now with the merger the account information is no longer visible to me. 
A dispute affidavit was submitted on XX/XX/21 and a fraud case was created with Suntrust no. XXXX A police report was filed with XXXXXXXX XXXX Sheriff, report no XXXX with deputy XXXX, XXXX. 
Calling the fraud department, I have corresponded with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX with no resolution. They always say the case is pending and can take up to 120 days. Allegedly XXXX XXXX is investigating however, he will not respond to my emails or return phone calls. It has been 211 days and we have not seen any return of our funds. I tried to get some resolution on XX/XX/XXXX and spoke to and emailed XXXX XXXX with the demand of action with no avail. I notified them that I was imposing a fee of XXXX per day starting XXXX. They promised a phone call but nobody has responded. They have refused to work with the local sheriff department. 
Please call or email me if you need more information. 
Needless to say Im very frustrated with this process
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (SC)

I was looking on my credit report and found out that a collection agency, Midwest recovery LLc put a collection on my credit report. I have no knowledge of this account and of the creditor XXXX. I would like this collection removed off of my credit report. I have received no information, documents, etc in regards to this loan. This I know is against the FDCPA and recording false infromation on my credit report.
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (MS)

I entered into a consumer credit transaction iwth American Credit Acceptance on XX/XX/XXXX. They reposessed and sold the vehicle in XX/XX/XXXX. They continued to list the tradeline with CRAs even though they collected payment for the vehicle when they sold it. I sent a cease and desist on XXXX that they never validated. American Credit Acceptance removed the tradeline on or about XX/XX/XXXX from the CRAs. I mailed an invoice for all civil liabilities. I demand payment in the amount of {$48000.00}.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

i am unemployed for 3 months. facing loss of apartment. forced to sell my car. got the check yesterday XX/XX/XXXX. deposited check for {$7000.00}. Chase bank told me i had to wait 1 day to access the funds. then proceeded to tell me they were not going to cash the check until XX/XX/XXXX because of suspicious activity. I got in contact with Chase Deposit department ( today ) and they told me that there was nothing they could do. that i had to wait until the XXXX or XXXX to get my check back. 

they are essentially holding my account/ my money ( {$7000.00} ) hostage. they will not let me go to the bank of the check ( XXXX ), they will not let me use my money. I have urgent bills that need to be paid immediately otherwise i face eviction. i havent eaten because i have no money. 
Chase bank continuously discriminates against people with low amounts of money in their accounts. I have friends with XXXXhase that are better off and they dont experience these issues.

I can not wait 7 to 11 days to get my check back. Please help me i told them how urgent and dire my situation was and they dont care. i asked for a supervisor or name information from the phone call and she refused to give out full name. I cant even report to Chase because they dont care. 

I have XXXX to my name, I need the {$7000.00} so that I can continue to live
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

I've tried repeatedly to get a credit report from Equifax. They do not respond, or they say they can not verify me. I've sent in documentation such as a valid Driver 's license, Social security card and utility bill and still no information is given to me.
Consumer complaint received 2020-02-10
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. (LA)

On XX/XX/2020, I submitted a written dispute to Transunion in regards to the account below. I received the attached letter from the creditor stating that they submitted a request to delete all tradelines associated with the account below. Transunion is still reporting the account. 
XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

I am having issues getting a hold of someone in Mohela. I qualify for the XXXX administration debt relief for low-income load borrows. It is impossible to get someone on the phone regarding the process and to get knowledge on what will be forgiven. I have called on numerous occasions with the wait time being as long as XXXX hours and no one ever comes on.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX/ {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MD)

Have a Venmo account. My Aunt sent me {$150.00} on Venmo on XX/XX/year> for birthday gift. Tried transferring money to my bank account and/or debit card. Transfers would not go through. Called my bank to see if issue on their end. They did everything they could on their end and transfer still did not work. Called Venmo customer service and all they could tell me was yes my account was suspended but couldn't tell me why nor could they release my money. Kept saying I should receive an email from their " account specialists '' to which as of today, still have not received any emails from them.
Consumer complaint received 2022-03-18
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. (AL)

Hi this is XXXX XXXX I looked on my experian report on XX/XX/2022 and noticed a few inquiries that I have not made as I have not applied for any thing in over XXXX years. Experian has extremely long hold times so its impossible to reach out to them for help. Ive tried numerous of times to get this resolved with experian
Consumer complaint received 2019-08-08
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. (NJ)

In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Used the App Venmo on XX/XX/24 to transfer {$7500.00} from my XXXX Venmo checking account to my personal bank, Selected the option to wait 1-3 business days for transfer. Through the Venmo app it says the transaction did complete to the checking account. On XX/XX/24 Contacted my bank and they have not received a transaction from Venmo. Spoke with a Venmo Representative and they recommended to wait.
Consumer complaint received 2019-08-08
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. (NJ)

In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX  representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.
Consumer complaint received 2022-12-06
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MA)

We applied for a loan with Guaranteed Rate in XX/XX/XXXX. 

Extremely unclear customer services. Never any clarity about the process. We applied in XX/XX/XXXX and 3 months later get the same answer of " you will close any day now ''. 

We have sent all required documents promptly when required. 

This should be dealt with ASAP. 

The office information is : XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX
Consumer complaint received 2024-04-03
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. (VA)

Hello, I had purchased a couch with two ottomons online at XXXX XXXX, based off of XXXX WA on XX/XX/24. The company website says guaranteed to ship in 7days but the couch didn't arrive until XX/XX/24. When the product arrived one of the pieces of couch was missing and they shipped a wrong item instead of it. I took pictures and immediately emailed the evidence to the company. I signed the BOL that the delivery team presented on their device which showed missing item. I rejected the wrong piece. I wasn't given the opportunity to selected the options on that device. ( This added info is missing from BOL that merchant provided to the bank ) I requested the company a expedited replacement for the missing piece but the company couldn't deliver it within a reasonable amount of time. So, I requested a full return and refund after the merchandise gets picked-up for which the company started to threaten me and said they will charge me for shipping costs and sue me if they find anything negative about the transaction on social media. They presented the condition of my silence on social media in exchange for a full return and refund. This evidence is in the email i submitted to CHASE bank and I uploaded it here also. 

I disputed the charge on my credit card with CHASE on XX/XX/24 and provided mountain of evidence pictures and email correspondence. 
The merchant later on XX/XX/24 after I submitted the dispute sent return labels but will not address my concern about refunding original shipping costs in the scenario that the items shipped were incorrect. 
CHASE Bank today XX/XX/24 closed the dispute saying the charge was valid. They requested more info yesterday XX/XX/24 after merchant review, which I provided with the Bill of lading of the return that I did on XX/XX/24. When I spoke to them on XX/XX/24, they assured me that they will continue to dispute based on the evidence of return of merchandise but they did not. The person I spoke to XXXX will not transfer me to the supervisor. They have ignored all my evidence and spent no time looking at the evidence I uploaded. 

Now I do not have the merchandise and have a credit card bill for {$3400.00} to pay. Original Transaction amount XXXX. 

Please help. As a consumer I feel lost, violated of my rights and unheard. I have more evidence if needed.
Consumer complaint received 2022-05-06
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. (NJ)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2022 - I submitted a payment using my Chase app to make a payment on my XXXX Chase credit card in the amount of {$2000.00}. I usually don't use my Chase App to pay I usually use my XXXX XXXX XXXX to pay all my bills. When I submitted my payment to my card it was automatically placed on hold by Chase and my card was suspended. In talking with over 6 reps from Chase on XX/XX/2022 no one could tell me why my account was on hold accept that I was on hold for financial review that could take up to 10 days and that my card would not be available to use until then. I asked for a manager and got a call back within 24 hours - the manager apologized and said that the account was on hold because the payment came from an unknown bank. Which is when I realized that I made a mistake and paid thru the wrong app. I told the manager that but she said the payment went thru and everything was fine. I used my credit card again and everything was good then it declined again. Come to find out that payment didn't go thru and with no word from Chase they closed my account because of one mistake with a payment which I have been trying to resolve. I have had this account for years and have an excellent track record with payments, paying off the card and not going over the limit. This is completely unfair and the only reason why I use this card is because of our recent trip plans to XXXX. I even increased the XXXX premier level to earn more in rewards and XXXX dollars as this is a surprise trip for my moms birthday. So I have been using this card as my primary card to build points for XXXX. Also I am in the middle of buying a home so to close my account as closed will ruin my credit history as which is totally unfair as again I have had no prior history of credit issues with Chase - heck they even raised my credit limit last year or the year before. A company wouldn't do that if they were concerned with the consumer and especially with a consumer whom doesn't pay. I want my card reopened with Chase.
Consumer complaint received 2022-03-18
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. (KY)

i saw that XXXX XXXX XXXX and XXXX XXXX XXXX both had put hard inquiries on my credit report to all 3 major credit reporting agencys and i contacted both credit one and premier bank and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX il address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of tyhe credit agencys experian, XXXX  and XXXX  and told them about XXXX XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or bvalid ssn or valid address which proves they crooks and out to cause mayem and harm to people credit as they add fradulent data too XXXX  easily with no verification at all