davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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: BB&T CORPORATION (AZ)

We are working to settle a gap claim with regional acceptance. It has been handled incorrectly on multiple issues. 
1 - payment was made in their website on XX/XX/XXXX, with a posting date on XX/XX/XXXX. The payment never correctly posted. Although my payment register does show a payment they could not explain to me. They refuse to remove a 30 day late that is not accurate due to their technical issues when site clearly showed a payment. 
2 - regional acceptance has failed to post a check in excess of XXXX that gap sent them on XX/XX/27 therefore I have to continue paying interest on a larger amount than truly owed.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2019, I attempted to withdraw {$40.00} from my American Express Serve prepaid card at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) ATM located at XXXX XXXX XXXX, XXXX, VA XXXX. The ATM was unable to print receipts, and then encountered an error dispensing the money ( and dispensed nothing ). I disregarded it, expecting the funds to remain in my account, and used another nearby ATM to make my withdrawal. 

On XX/XX/2019, the {$40.00} failed withdrawal posted to my account and I contacted Serve customer support, who transferred me to the dispute department. I explained the situation and they processed the claim. At no time was a provisional credit issued. I received a dispute form in my email on XX/XX/2019, and completed it and attempted to upload it multiple times from multiple computers and separate networks to no avail ; I did not report the website failure to Serve. I ended up faxing the form back on XX/XX/2019, but received no acknowledgement of receipt from Serve.  On XX/XX/2019, I received an email from Serve stating that they had completed their investigation and that " [ t ] he ATM provider confirmed the funds were dispensed for the amount requested. '' I contacted them the same day and requested the documents from the investigation, which consisted solely of a one page XXXX " Transaction Research '' screenshot with the transaction details ( attached ). I went to the XXXX branch where the ATM was located and inquired on XX/XX/2019, and was told they had no information and wouldn't have any information until the ATM 's transactions were reconciled at the end of the month. The representative took my information and said she'd pass it along to the relevant department for followup at such time. 

If the financial institution hasn't reconciled the transactions, I don't see how Serve can have reached any conclusion, nonetheless one that the funds were dispensed when clearly they were not. XXXX itself said they lacked transaction information, so Serve 's conclusion seems bizarre at best and malicious at worst.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (LA)

I had a previous account last year that was overdrafted by a few dollars that I was unable to pay at the time. The company charged me {$30.00} in fees daily until they closed my account in XXXX last year. I received a letter that the account was charged off. This year I was able to open up another checking account of which I had called and talked to the charge department about the incorrect balance owed. They were supposed to be reconciling the fees and sending me the new amount owed. When i deposited money into my new checking account, the charge department took {$800.00} from my new account for the old account. When I called and tried to get some understanding as to how they could even do this if the account was charged off, they told me that they could do whatever they wanted if I owed them. The rep was very rude in telling me that I can't tell the company how much I owed them, that I had to pay whatever they told me and they will not refund the money to my account.
Consumer complaint received 2019-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ProCollect, Inc. (CA)

I have been trying to get a debt validated on my credit report for the last year and each time I have called Procollect Inc., a third party collector, they have been very rude to me and told me that they do not have send me any proof that I owe this debt because they sent it. I never received any paperwork. I just found out last week that there were too evictions filed against me. I contacted the original creditor about this debt XXXX XXXX XXXX XXXX and they told me they didn't have any information and I would need to contact Procollect Inc. I have not been able to get any supporting documents that I truly owe this debt and it is killing my credit and prohibiting me from renting an apartment.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I was recently traveling out of the country on XX/XX/XXXX, and I tried to use my Citi AAdvantage card in XXXX XXXX to pay for the taxi, and the driver kept getting a declined message point. I used another card. The next day I called Citi to find out what was going ; they told me that my credit limit was lowered from {$5000.00} to XXXX and that I could be transferred to another department to put a statement on my credit report because I had some late payments, etc. I have had this for almost five with an excellent payment record. Below is what they are showing on my account at the Citi site : Key Factor ( s ) Affecting Your XXXX Score : 1 Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to XXXX Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. 
I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

PROFESSIONAL DEBT MEDIATION is attempting to collect a debt that unverifiable and I do not recognize. I expect a cease and desist and delete all negative information reported on credit bureaus which is unverifiable and hurting my score. I have never business with this company and have no agreements with this Company.
Consumer complaint received 2019-04-16
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. (CA)

one XXXX XXXX XXXX account number XXXX date opened XX/XX/2004 is reporting under my equifax credit file, which does not belong to me, this is an inaccurate information reporting under my name on my equifax only. they have not disputed properly for this inaccurate account to be removed every time o call they are not helpful. i am tired and not know what to do. i am trying to rent a place and it has been giving me a problem, this does not belong to me, please have equifax to remove this account from my credit file thank you
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Under the stipulation of 15 US code 1681i ( 6 ) ( B ) ( III ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and Transunion ) are required to furnish a written notification to a consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted durning the verification process along with their contact number. over 30 days ago i solicited documentation to substaniate this account yet I have received no such documentation, without legitiment poof or backing these accounts, it has no basis to be included in my credit report XXXX XXXX XX/XX/year> unrecognized XXXX XXXX XXXXXXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One you have caused harm to me with your decision to deny my extension of credit. We need to meet about this misunderstanding. I acted in nothing but solidarity when I came to you.
Consumer complaint received 2021-03-08
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

I had fraud on my checking account on XX/XX/2019 for {$1400.00} and XXXX XXXX for {$1300.00} from an unknown XXXX account. I finally received my money back from Chase bank, but Chase bank said I had to close my account and reopen another account, which I closed my account as they advised me to do, then chase branch manager XXXX XXXX said I was no longer grandfathered in. I have had this account approximately 30 years. So since they were going to charge me a fee I decided to make a complaint before opening another account with chase. Chase never alerted me about these two fraud charges, I had to learn this myself by logging into my account. Then chase let it happen a second time on XX/XX/2019 for {$1300.00} again without alerting me.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

This account was opened about 20 years ago. I have not received any statements. I made a deposit to my IRA account on XXXX for {$1000.00} this amount was never credited to my account. I have been trying to resolve this problem for over 2 and a half years. In addition the Internal Revenue Service ( IRS ) states that they have no record of this amount being deposited into my IRA account.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion will not allow me to get my credit report. They have invalid information in the report. They ask me identifying questions and when I answer them correctly they tell me theyre unable to verify my identity because I answered the questions incorrectly. They have my name listed incorrectly as well. One question they asked me is my last two employers. They have me listed as working at XXXX. Im a XXXX at my current employer of 16 years. The second question they said I answered incorrectly is my mortgage company, XXXX XXXX. Well, I pay it every month and have for five years. Help me, please.
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have been having issued getting Navient to comply with documenting me on information they are reporting to Credit reporting Agencies under my file. information is reporting in duplicate and triplicate, reflecting accounting practices which I find discerning. I have fought them so that they accurately report paid accounts and document amount 's owed. The amounts have fluctuated wildly and the company insists documentation was provided to the CRA 's ( XXXX, XXXX and XXXX ) but has yet to actually investigate and copy me as to the matter. 

I have paid accounts and have tried to deal with the company to no avail. The university I attended is defunct. 

I need assistance in the matter.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

My direct deposit is missing, it has been over two days and my employer says the transaction is still pending. It is now Tuesday ( XX/XX/19 ) at XXXX XXXX and I usually get my money Sunday night, XXXX Monday ( payday ) the latest. I called the # on back of card SEVERAL times, I only get the automated voice messaging system. I need to speak to an ACTUAL person to know WHY my money is not coming through. I called AMEX corporate and they tell me they can not help me. Shed many tears, cant pay some bills and may miss out on work this week because I have no money for gas  to get there. I will be forced to take the appropriate legal action if this is not resolved.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Hello, I was contacted last week by a woman named XXXX XXXX claiming to be with Capital One and XXXX XXXX XXXX XXXX. She stated I was added to a Capital One account which had my sisters name and my moms name on it. She stated my social security number, drivers license number, address, and birthdate. She then told me my income is XXXX and it is being garnished due to nonpayment of the open and delinquent Capital One card that was established in XX/XX/XXXX. I have never owned or used a Capital One Card. This woman had all my information and took {$200.00} from my bank to pay Capital one in order to avoid a garnishment on my only income. 
On another note, My sister came to my house during XXXX and stole all my mail when I was in Colorado. My sister does have a Capital One account ... The woman who called me is supposed to call me last week just called me back again to threaten my income garnishment because I disputed the transaction with my bank. Her name is Ms. XXXX. Her number is ( XXXX XXXX XXXX extension XXXX. 
She also called me from ( XXXX XXXX XXXX. Please help me. My bank has frozen my account so she doesnt try anything else I have called XXXX  and XXXX  to block my social security number and credit. I also downloaded XXXX and it flagged her number as Spam after we had spoken.
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (VA)

I have been dealing with the company XXXX for a year and a half. In that time, I have had to contact them MULTIPLE TIMES as to the fact that 1 ) I never receive a bill and 2 ) the fact that they report me as being late to credit agencies when the bill is not even due. I made a report to this agency about this XX/XX/2019 and they lied to you saying that they had not reported me as being delinquent in my payments to the credit agency when in fact they had. Someone really needs to investigate this company.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

These are the following disputed items : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MI)

ON XXXX  XX/XX/2023 CHIME ADVISE THAT MY ACCOUNT HAD FRAUDELANT ACTIVITY AND FROM THERE WILL NOT RELEASE MY MONEY IN THE AMOUNT OF {$700.00}. THIS IS MY ONLINE BANK AND MY DEPOSIT FROM MY EMPLOYER HAVE BEEN GOING TO THIS BANK/CARD. THEY WILL NOT TELL ME WHAT THIS SO CALLED FRAUDELENT ACTIVITY IS AND I CAN NOT GET ANY HELP FROM THEM AND THEY DO NOT HAVE A CUSTOMER SERVICE PHONE NUMBER. THEY ASKE ME TO VERIFY MY ACCOUNT BY SENDING IN MY DRIVERS LICENSE AND A COPY OF A UTILITY BILL WHICH I DID. WHEN I TRY TO CONTACT THEM I AM NOW GETTING NO RESPONSE. I HAVE BEEN READING COMPLAINTS ABOUT THIS COMPANY AND IT SEEMS AS THOUGH MANY PEOPLE HAVE HAD THE SAME ISSUE! I JUST WANT MY FUNDS RELEASED FROM THIS COMPANY AND I AM HOPING YOU CAN POSSIBLY ASSIST WITH THIS.
Consumer complaint received 2019-04-16
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. (CA)

I had been victim of ID theft, and therefor two XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was XXXX  beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus TRANSUNION who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX  transunion and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless you.
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

Excessively long wait time for XXXX  forms to be processed by MOHELA. I electronically submitted a " XXXX XXXX XXXX Form '' to MOHELA on XX/XX/XXXX. As of XX/XX/XXXX the uploaded form is still listed as " processing. '' Subsequently, the official tracking of my eligible and verified payments towards loan forgiveness is inaccurate. I have contacted MOHELA by phone to resolve this issue but had to hang up after being on hold for over 2 hours.
Consumer complaint received 2019-04-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (MD)

I was contacted by this company about a private student loan by XXXX XXXX. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt. 

She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute. 

I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.
Consumer complaint received 2022-09-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/19 I noticed two fraudulent charges on my Barclays credit card. On the same day I called to let them know. After speaking with the representative, who researched the matter and told me it appeared to be fraud, I was told the charges totaling {$190.00} ( {$100.00} & {$99.00} ) would be reversed from my account. Additionally, they issued me a new card. I kept reviewing the account activity on my phone to see if or when the charges would be reversed. On XX/XX/19 I wrote to them in order to protect my rights and put in writing and memorialize the events. As of this writing, I do not see the two fraudulent charges reversed.