davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TX)

On XX/XX/22 at XXXX XXXX, a buyer calling herself XXXX XXXX attempted to buy my camera from XXXX XXXX for {$800.00}. She wanted to pay through XXXX. She claimed to send the money and at XXXX XXXX  I received an error message from a fake XXXX account, noting that the {$800.00} could not be processed until I upgraded to business. The message said I could upgrade by accepting {$1000.00}. The buyer offered to pay the extra {$200.00} if I refunded her after receiving payment. She claimed to send the money and I received another email from the fake XXXX account notifying me that I had been upgraded to business and that the money went through. I sent her the {$200.00} at XXXX XXXX  before noticing that the money was not in my bank account. I ceased speaking to her at XXXX XXXX. At XXXX XXXX, I notified PNC Bank over my messaging app that I had been scammed and that I would like them to reverse the charge. PNC Bank responded at XXXX XXXX  that they could not reverse the charge because sending money over XXXX is like sending cash. I also chatted with PNC customer service and was informed that they could not reverse the charges and I am not entitled to any protections. Additionally, I emailed XXXX at XXXX XXXX  requesting that the charges be reversed, along with the most recent email from the fake XXXX account requesting more money. PNC responded that they could not look into my case. 

I reached out to XXXX on XX/XX/22 and was told that the charges could not be reversed.
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (GA)

At the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The customer service manager ( XXXX ) has repeatedly, and deliberately submitted the incorrect 10 digit XXXX XXXX Transfer number, in an attempt to block and cause an immediate block and flag on the process of obtaining funds from senders. I have been receiving money transfers for over two years here in XXXX XXXX, and am unable to pick up money sent to me by the sender at this location only. When I contacted XXXX XXXX, they explained to me that. If the 10 digit number is entered incorrectly, it will automatically create a red flag, and receiving the transfer is voided at all XXXX XXXX XXXX. ( XXXX ) The Customer Service Manager, has entered the 10 digit transfer number incorrectly 3 months consecutively. XXXX, XXXX, XXXX, XX/XX/2023 and again XX/XX/2023. I have made several attempts at meeting with XXXX XXXX the store manager, but ( XXXX ) and several other members of the XXXX team has made it impossible for me to meet with her. Give one excuse after the other. I personally believe after further investigation on XX/XX/2023 that ( XXXX ) is deliberately deactivating XXXX XXXX transfers by entering in the incorrect numbers, which will result in the inability to receive funds by all XXXX American Customers or specifically ME!! an XXXX  XXXX. This is a clear case of discrimination and is not fair to the XXXX and XXXX consumers in this community. The process of getting the XXXX XXXX account reactivated is a lengthy stressful situation that could be avoided by entering in the correct number. Being promoted to Customer Service Manager comes with a certain level of accuracy and attention to detail. That is why I'm certain she would not be in a position of leadership with the level of mistakes made and are being made over a period of 3 months. This is not a mistake but a pattern of discrimination against XXXX XXXX customers at this location. The full scale of discrimination is not just XXXX  people but XXXX as a whole, which is sad to say the least.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a vcitim of the trans Union Inquiry issue. I contacted customer service and they would not help me delete my inquiries which are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Inquires were removed and re-inserted without any notice or reasoning : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Summary : Chase Bank opened and removed the contents ( containing gold, jewelry, & family heirlooms ) of my active safety deposit box and sent it to unclaimed property without my notice. All my accounts are paid for and up to date. I have had a safety deposit box at the Chase Bank located at XXXX XXXX XXXX, XXXX CA XXXX for over 20 years and it was provided as a promotional box with my premier checking account. 

On XX/XX/23 I was sent an automatic payment notice with annual rent for my safety deposit box size XXXX due XX/XX/23. 

On XX/XX/23 I went to visit my safety deposit box and with the witness of 2 bank attendees XXXX XXXX XXXX and XXXX XXXX, I discovered box was empty. The Assistant Manager XXXX XXXX indicated that they had been audited and my contents were removed. She said my belongings were turned over to unclaimed property. She indicated there would be a claim process to recover my contents and I needed to provide an inventory list. 

On XX/XX/23 I returned to question why my box was moved without notification. I requested their records on the date they sent the notification, address, phone number they called, as all my info is up to date and I have an active account that I use frequently. XXXX said she was unable to provide me that. I asked for the auditing paperwork and history they had on my box and she said no, again not able to provide me anything. They did not admit mistake or wrongdoing. A police incident report was filed that day with XXXX XXXX and XXXX at the branch. I have also called the corporate office in which XXXX XXXX filed a complaint with executive management. 

Per the Safe Deposit Box Lease Agreement, the bank should not have had access to remove any contents of my active box and if they needed to relocate should have provided notice. They instead sent me my annual rent notice, to a box that had been drilled into and removed.
Consumer complaint received 2022-10-03
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

I was on a payment plan with Target. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.
Consumer complaint received 2023-04-11
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-12
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 second written request to remove an account that was opened fraudulently, your company has previouly removed this account but now you are riposting it again by FCRA you can not report an account you previously removed without a written note an proper verification of this account section 604 and 609 a b, I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
Consumer complaint received 2023-04-10
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-10
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. (NV)

I filed a cfpb complaint and XXXX complaint and nothing as happened. I filed several dispute with all three credit bureaus and they did the debts were verified each time I have two debts with XXXX XXXX XXXX that need to be removed asap. Please see attached documents
Consumer complaint received 2023-04-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX - Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-24
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. (TN)

I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the XXXX  data breach.
Consumer complaint received 2023-04-08
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. (FL)

in accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Status Closed. {$770.00} written off. 

Account Name XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Account charged off. {$760.00} written off. {$530.00} past due as of XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Status Paid, Closed. {$660.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX Status Account charged off. {$640.00} written off. 

Account Name XXXX  Account Number XXXX Status CLOSED 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 an account without my written instructions 15 U.S C 1681C ( A ) ( 5 ) SECTION STATES No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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. (CA)

On XX/XX/XXXX, I placed an order on XXXX. On Sunday, XX/XX/XXXX, I returned my order amounting to {$540.00} in-store. I have proof of this and am able to reference the date that I went to the store because I have an online receipt sent immediately after using the in-store returns portal. 

After a month had passed and I did not see my refund post, I called the merchant, XXXX, inquiring about my return. The agent on the phone processed the return for me and confirmed that a refund would be posted shortly. On XX/XX/XXXX, I received a {$26.00} refund, which I deduced was the refund for only XXXX of the items ; the rest of the order was not refunded. 

When I contacted XXXX again, customer service said that they do not know what happened to my return, even though the agent I spoke to previously confirmed that he had pulled up my return and processed a refund. They kept redirecting my call and when I left messages at the numbers they provided me, no one returned my calls. 

I then decided to dispute this with my credit card since the merchant was being uncooperative. I opened an online/phone investigation with Chase in XX/XX/XXXX. A few weeks later, I received notice that the dispute had been resolved and that my claim was denied. The only explanation they provided was that they concluded the charge was valid as a result of their explanation. However, they did not contact me at all for any proof or documentation. I contacted Chase again and they advised me to reopen the dispute by writing a letter to their headquarters. I reopened the dispute again, this time attaching documentation of my return receipt. A few days ago, my dispute was denied, again. Chase has not made an effort to properly investigate this. It is unacceptable for the consumer to have to pay a ridiculous charge because a return was lost on the part of the merchant.
Consumer complaint received 2023-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VA)

Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a bill from XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc. (NJ)

I paid off my medical collection, what I got because some person in medical ofgice did mistake. I got the bill. I cslled up to original collector, find out more about this bill. Lady at ofgice, said, sorry it was mistake, you are fine. Font have to pay anything. 
So I did not. 
After months I got letter from collection company! 
Iagreed pay. What I did, they promised re.ove the collection from report, and it not really happened. They removed it from XXXX but not from all credit analysis companies. 
I called again, no answer, they never called back.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Northeast Recovery Solutions, LLC (NY)

North eastern Recovery Services is a Debt Collector they are saying that I owe money from A creditor That is not True They keep calling my Job & Harassing me The person who keeps calling me from XXXX XXXX their phone number XXXX they do owe me money please investigate these scammers thank you for your help
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I made two {$56.00} purchases from XXXX XXXX, which qualify for a travel credit on my Barclay XXXX XXXX ending in XXXX. I was unable to claim the travel credit online, I asked Barclay for help, they sent me an email saying only Airline charges qualify. I called their customer support and asked them to fix the problem so I could receive my travel credits for the two {$56.00} charges, and they refused. They actually told me to call XXXX XXXX to solve my reward problem with Barclay!
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I am citibank customer for more than 20 years since we live in Florida i had a fraud case in my account number XXXX beginning of XX/XX/2023 that i call and reported While they deposited back after i issue two more complains with your bureau the fraud money they block my account since mid XXXX In the mean time a failed to pay my mortgages credit cards and destroy my credit after several and many hours speaking to various representative in Citibank a very nice lady agreed to send me the remaining funds in my account thru next day delivery by XXXX and she give o me the tracking number XXXX tracking XXXX This call was XX/XX/XXXX and since then I receive nothing I call again and i spend hours of my working time to tell me that I have to call again Friday I reserved my right for future claims against Citibank for all the hours i spend in the phone the interest rates that i pay in my credit cards the late fees in my mortgage 's and the credit damage
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I have a mortgage with XXXX services since XXXX my principle has n't decreased yet.I have been in the XXXX keep my home program since XXXX they paid all of my late fees and got me caught up so now XXXX has turned my mortgage over to select portfolio servicing inc.I have never heard of them before however they sent me new statements with a new and higher loan amounts I did modification twice I believe but XXXX keep my home paid all outstanding fees but select portfolio have added it back in.I called them but no luck that 's not right.I have a 30yr mortgage and this is year XXXX and I 'm still paying interest only I do n't know if XXXX is XXXX or household financial.this is predatory lending.