davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

I submitted a dispute to American Express in the amount of {$5000.00} for a charge that was not authorized. The first response back to me from American Express ruled in favor of the merchant ststing that they provided proof that I made this transaction This merchant had submitted handwritten falsified information to AMEX including forged signatures and adding my name to invoicing. I was able to obtain the original paperwork that was submitted to American Express and to my attorney. The documents submitted showed that all correspondance and billing from this merchant in the past was never handwritten and printed from a computer system. I have made transactions with this merchant in the past where I was present, but that was not the case here and AMEX 's policies clearly state " American Express Cards are non-transferable, so they ca n't be borrowed or loaned " I had authorized a transaction on XXXX/XXXX/2016 in the amount of {$4600.00} to help my partner and I was present every time there has been a transaction. There was a warranty of XXXX or XXXX miles with that transaction and the reason that the car ended up back at this merchant was due to their equipment failure that should have been covered under the warranty. There is paperwork attached stating that {$0.00} balance was owed and then when the vehicle was being picked up the merchant tried to bill {$13000.00} without consent before the vehicle was completed which is illegal in the state of Florida. It states directly on all of their paperwork that customers must receive a written estimate if the final bill exceeds {$100.00} and estimates were not provided until the day that the vehicle was complete and ready for pick up ( merchant attached forged copies and you will notice that the date on those copies is the date of the alleged transaction ) I refused to pay and the merchant locked me out of the store, so I did not make this transaction. After resubmitting all of the proof ( documents ) to American Express they are still tying to make me pay for something I did not purchase.
Consumer complaint received 2022-09-14
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-22
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. (MO)

Experian is refusing to remove a fraudulent collection account off my credit file. For the past year I have refuted and disputed this fraudulent account to both Experian and the collections agency themselves ( Credit Bureau Service ), with it's office in XXXX Arkansas over 10 times, submitting proof that I didn't even live in the state at the supposed time they list that I received medical treatment. This is originally a bill from XXXX XXXX  XXXX  for {$360.00}. They state that I received treatment in XX/XX/XXXX in XXXX MO. The major issue with this is I was living in XXXX TN 3 hours away, and didn't move back in the area until XX/XX/XXXX. My identity was obviously stolen! I also asked the collections agency for a detailed bill just to see if I could gain knowledge of who may have stolen my identity and they refused.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
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 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo atm ate up my money and won't return it. This incident happened on the XXXX of XXXX, between XXXX XXXXXXXX XXXX and the total amount is {$2100.00}. I had {$4500.00} cash which I was depositing. I used the wallet app on my XXXX and used the tap feature that was on the ATM. I put in around {$2200.00} and It was raining heavy and the bills got a little wet, so the ATM was trying to return some of the bills back. It returned 3 bills of {$20.00} and then the thing jammed on me. It was trying to return more bills but it couldn't and after 5 minutes of it trying, it just jammed up, and an error popped up 'The ATM can not accept any deposits at the moment '. It did not provide me with any confirmation or any receipts. I went inside the bank immediately, told the bank teller about it and they told me that they couldn't do anything because the ATM was not serviced by them. They told me to call the XXXX number and submit a claim, which I did. I deposited the rest of the money I had inside the bank. I submitted the claim at XXXXXXXX XXXX on XX/XX/XXXX, but they messed up the first claim, they put in the wrong amount and then a week later I had to make another claim, on XX/XX/XXXX with the correct amount. I double checked everything so that there weren't any mistakes this time. Fast forward to today ( XXXX XXXXXXXX XXXX ) they told me that my claim was denied because they couldn't find any transaction on my account. I put in a request again and they asked me the location and the ATM ID which I provided to them. The location of this Wells Fargo is XXXX XXXX XXXX, XXXX, AL, XXXX. The ATM number is XXXX. The total amount of money that was jammed in the ATM is {$2100.00}. The ATM had a camera on it and along with that, I went inside the bank to talk to them as well. I received a temporary credit of {$2100.00} on XX/XX/21 and they said that they are looking on the issue. Today, on XX/XX/21 I received a letter which said that the bank could not find any such deposit, so they were going to deduct the temporary credit of {$2100.00} on XX/XX/21. I need help because I legitimately deposited the money and they can check the security cameras on the ATM for the given date. I dont know what steps to take further.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have sent information to the bureau about a XXXX XXXX  account that i had to submit a claim to you about but now Experian will not fix it in my credit bureau. XXXX  and XXXX XXXX have but Experian has not. Please help. I have even sent them the letter from XXXX to delete the account and still nothing.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had XXXX  loans serviced by XXXX. I paid these off in full on or about XX/XX/year>. I waited 5 months for my credit report to get updated to reflect that I paid these loans in full, but it never happened, so I contacted XXXX, and after they didn't respond I contacted TransUnion in order to have my credit report updated to reflect that this debt had been paid in full. After I submitted my dispute to TransUnion my credit report with them was updated. All of the accounts were marked as " Paid, Closed; was Paid as agreed ''. However, a mistake was made and XXXX account also had the remark " SETTLED-LESS THAN FULL BLNC ; CLOSED '' added to it. This is incorrect, I paid this account in the full amount and did not settle it. I disputed this account twice, and called TransUnion and nothing was done to fix this. My credit score dropped by close to XXXX points because of this inaccurate remark. All other credit agencies have this account marked as paid in full except TransUnion, and the XXXX  loan servicer does not dispute that it was paid in full and was not settled. I need this remark removed from this account. I've never settled any account for less than the full amount I owed. 

I've submitted multiple disputes through TransUnion, and via phone through XXXX, and this has not been resolved. THIS HAS BEEN A PROBLEM FOR MONTHS. I am very close to taking legal action against XXXX over this issue. This is my last attempt before proceeding with that legal action.
Consumer complaint received 2021-11-03
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. (GA)

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/2020 XXXX : {$440.00} Action : Asked for proof of a contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I have never received this. Please upload this document with the Consumer Financial Protection Bureau.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-09-14
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. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I reached out with a few questions about my credit card. I asked about my APR. XXXX asked me to provide the three digits on the back of the card. I explained how would I do that when I haven't received the card? She said she couldn't help me without providing that information. I asked for a supervisor and was transferred to XXXX ( unsure of spelling as she refused to spell her name ). XXXX was very condescending and rude, making explain things over and over again. I could never get an answer of how I would provide the three digits on the back of the card when I was calling to say I hadn't received the call. Instead of resolving the issue, she disconnected the call after over 45 minutes. I called back and the hold is still over 20 minutes.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S.C.Code 1666a ( a ).
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed an disputue off my credit report reguardsing the incorrect information on my credit report. it has been well over 30 days and i havent got any investigation results.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

So XX/XX/XXXX chase bank closed my account for suspicious activity.. 
I called and was told to go to branch to resolve issue..when I got to the branch a rep called their fraud department and I was told my account will be closed and I will receive my balance as a check in the mail after the account fully close in 10 days ... 

After 10+ days I called to check on my refund and was told that my account is under investigation I asked chase reps ( recorded convo for my own records ) if there is any specific transaction or details they need Im more than willing to assist. 

I was told the investigation was about my ACH {$500.00} & {$600.00} weekly deposits as they believe that funds is meant for someone else and not me I told the rep that that money was from my NYS unemployment benefits. 

I went to a local branch next day with my unemployment details including payment history with my name and last four of SS at the top. 
Branch manager & banker at location agree everything match and notified the fraud department. the documents were scanned and fax over to chase Rep over the phone accepted my proof and advised she will request for my funds to be released. 

Next morning I get a call from chase stating another department XXXX back office ) told them to hold off on releasing the funds until their investigation is complete however my proof will be taken into account..rep have no time frame.. 
Can be days, weeks, months or years. 

Fast forward I got a call from a rep from the executive office who said shell assist me in getting the funds released ... 

Few days later the rep left me a voicemail ( I have proof ) stating your funds have been approved for release and Im waiting on the final expense so I can send you a cashiers check I didnt hear back again so I followed up again with the executive office and was given a new rep name as my current file handler.

Yesterday I got another voicemail from this new person stating back office investigation is still ongoing so we can not release your funds & in addition theres no timeframe Now my concern is I start grad school next month and need the money to cover my tuition expenses Im willing to corporate and clarify any transaction chase bank have issues with however nobody is giving me a direct answer. 
The fraud department treat me like a criminal. 

I feel like they have labeled me guilty and I have to prove my innocence. 

If there is any other transaction in question Ill love to discuss that with chase reps other than that, I just want my balance ( my own money ) I feel like Im been discriminated against because XXXX XXXX, XXXX and from the XXXX. 

You close my checking acct & hold my funds but allow me to still maintain and use my chase credit card Someone please help me resolve this issue with chase Bank. It has been more than 30 days now
Consumer complaint received 2022-09-14
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)

This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EVERBANK, NATIONAL ASSOCIATION (NC)

XX/XX/XXXX tried to rollover money from TIAA to XXXX. TIAA appears to be a Ponzi scheme and refused to complete the rollover. They must have hired XXXX XXXX to run the organization. Refused to return my original paperwork that was submitted. Refused to complete the rollover.
Consumer complaint received 2020-07-21
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 XX/XX/2020 I submitted complaint for two accounts XXXX   XXXX XXXX with Experian. I have no knowledge of this account. Experian stated that they were able to verify but how if this account does not belong to me. XXXX removed it from my credit file because account could not be verify.