davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

In XXXX, I received a solicitation for XXXX XXXX XXXX from XXXX. The solicitation offered a " discounted '' rate for a set number of treatments. 

I purchased a set number of lawn fertilization services from XXXX # XXXX. I submitted payment in full for the specific services requested. 

I did not request or authorize any ongoing service beyond the package that I had purchased. Nothing on the solicitation form indicated that I was signing up for ongoing service or automatic billing. I explicitly did not want ongoing service. 

Without my knowledge or authorization, XXXX saved my credit card information and in XXXX they started charging my card repeatedly for service that I did not request or authorize. The unauthorized charge was roughly double the rate from the XXXX solicitation. 

When I discovered that XXXX had been charging my credit card, I contacted their customer service immediately. The agent agreed that I had not authorized the service, and assured me they would reverse the charges. The credit did not come. 

After giving them time to rectify the issue, I eventually contacted my credit card company to dispute the charges. My credit card company investigated and reversed the charges. 

I thought that the matter was settled, until XX/XX/XXXX when I received a collection notice from " IC System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX '' The collection notice on behalf of XXXX # XXXX was in the amount of {$110.00}. 

I immediately wrote to IC System using their included form, and I mailed it back informing them that the debt was not valid and that I had not authorized these charges or services from XXXX. According to my understanding of the law, they should have stopped trying to collect the debt without sending me proof of the validity of the debt. 

I also called XXXX customer service to inform them that I had been sent to collections over a debt that I don't owe. I spoke to a customer service representative who informed me that she could see the notes on the account, but she needed to have a manager call me back to reverse the charge. She advised that someone would call back in 24-48 hours. Nobody ever called. It is not possible to reach a local representative, and it is also not possible to be transferred directly to a supervisor. 

On XX/XX/XXXX, I received a second collection notice from IC System for the same debt. This notice had a bold notice " VALID COLLECTION '' across the top. It offered no proof of the validity of the debt. I believe this notice was in violation of the law, as I had already disputed the validity of the debt with IC Systems, and they should have stopped collections until they could issue proof that I had authorized these charges. 

Also, on XX/XX/XXXX, I again contacted XXXX customer service at XXXX. Despite the number being a local number, it routes to a call center somewhere unknown. Again, I was told that a manager needs to call me back, but it is more than 24 hours later and no manager has called.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. states I have the right to privacy.

These addresses do not belong on my credit report. 

Four addresses do not belong on my credit report. 

One social security number does not belong on my credit report. 

My name is spelled incorrectly 5 different ways on the credit report but should only be spelled one way.
Consumer complaint received 2022-04-26
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)

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC Fraud affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 an account without my written instructions.
Consumer complaint received 2023-06-27
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. (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My financial history with XXXX should be private. 

Per the terms and conditions of XXXX it is noted they agreed not to share my information with non-affiliates. Experian is not an affiliate of XXXX. 

Per the SEC filing of XXXX it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} or more the balance is credited to the consumer. Reporting this account as a late is a violation of the oath XXXX agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. 

XXXX and Experian or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

XXXX is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that XXXX transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.
Consumer complaint received 2022-04-26
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. (MD)

On XX/XX/2021, I purchased 2 XXXX  XXXX Consoles through XXXX  ( order # XXXX ) for a total of {$1100.00} - payment method was my Chase credit card on file with XXXX XXXX 
It wasnt until the delivery that we discovered the consoles were restored and not new as shown on XXXX. We immediately requested return authorization that we received from XXXX along with a shipping label. Per XXXX shipping instructions, we affixed their label that had the items being returned to XXXX, KY via XXXX ground ( tracking # XXXX ) - shipped back on XX/XX/2021. 
I received a message from XXXX on XX/XX/2021 that the items had been received. Ive been trying to get my money back ever since. 
I have close to 50 pages documenting conversations with both my credit card company and XXXX trying to resolve this matter and they both keep pointing fingers at each other while Im left still paying on this bill so my credit isnt affected. 
I filed a dispute with Chase who did no investigation even after I sent them the XXXX return slip. XXXX is now telling me that the seller never received the items back and will therefore not reimburse the purchase price. I bought and returned the items through XXXX per their written instructions. The fact that they didnt process the return to the seller is not my problem. 
I have been on the phone every few days with both XXXX and Chase since XX/XX/2021 and have been unable to get this resolved.
Consumer complaint received 2022-08-08
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. (TX)

I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 an account without my written instructions.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

I have a open claim with Wells Fargo for {$330.00}. Normally I would trust their process, and I have been, but the claim has been open for 2 YEARS. I submitted this claim on XX/XX/year>, Claim # XXXX. I can still view the ticket on my end if I check my account on XXXX  ... and I can see it hasn't been updated since then : ( Also I have tried calling them to no avail both Wells Fargo and XXXX. I have XXXX  so my XXXX  is terrible but those 3 transactions on that claim were NEVER authorized by me. My card / card info was compromised at that time and I provided them with that information too alongside some other pieces of information I'm sure ( doesn't let me see what I sent originally 2 years ago ). I just would like them to update the claim and reverse the charges. I was going through my email to find additional relevant information at the time. The wells fargo app and website itself shows that is hasn't been updated, but yet they sent me various emails claiming they were " looking it over ''. I also got an email about potentially receiving a temp credit ( 2 years ago ) AND NEVER RECEIVED IT DESPITE THE EMAIL GOING THROUGH (???? ) : ( ( ( ( ( Times are getting difficult and to be completely honest I almost gave up until a friend suggested this : )! I just want to be able to get by, everything is so expensive, would love if they could make this right as I've been waiting for 2 years :/
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent payment history. I would like the account to be removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account as an individual charge-off. According to the FCRA, I would like the account to be removed from my credit report immediately.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On Friday XXXX I deposited a check from an account owned by my partner, who is also the co-holder of this account, as we do on a regular basis all through mobile deposits. I went into my account and seen that the deposit had been put on hold then called the customer service number and was instructed to call the holds department on XXXX. On XXXX I called the hold department and was told by agent the hold was due to an image issue and she adv they verified the information but I would need to call back on Monday and as long as The funds have been received the bank would be able to release the funds. I called Monday XXXX I was told by the agent the funds were verified, they called my partner to verify information from the deposited check, and was put on hold for XXXX min and came back on and said they have tried to release the funds but the system wont allow them to and I'll just have to wait until XX/XX/16
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (FL)

On Wednesday, XXXX XXXX, 2023 at XXXX XXXX, I logged into experian to receive my credit report and was informed that there is an issue that prevents me from getting my credit report.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On Wednesday, XX/XX/2023 at XXXX XXXX, I logged into XXXX  to receive my credit report and was informed that there is an issue that prevents me from getting my credit report.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Around XXXX XXXX, I transferred {$9000.00} from my Bank of America Checking Account to my Credit Card Account, in hope to temporarily bump my credit limit so I can spend it. 

Turns out, it didn't work the way I hoped. And my {$9000.00} was frozen. 
Firstly, if my money gets immediately frozen, why was the transfer even allowed? There was a very convenient button to do the transfer. 

Later I contacted BoA and they said they'd send me a check to return my {$9000.00}. 
I never got it. 

Last month ( XX/XX/2022 ), I decided to ask again. They said they can return my {$9000.00} electronically and I should receive it in the next billing circle. 
However, yesterday ( XXXX XXXX ) I received a mail saying the operation failed. The explanation was basically " It was too long ago, we can't return the money ''. 

How is it even legal to hold my money this way for almost half a year?
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

***Written by representation I represent XXXX XXXX in connection with Chase 's refusal to refund the {$9500.00} that had been in her Chase account, but that Chase recklessly paid to a fraudster by failing to adhere to the most basic security procedures. XXXX XXXX has been a Chase customer for almost 30 years. She always had been a happy, satisfied customer. She is not looking for trouble, or a new bank. She wants the most basic protections offered by Chase bank -- protection from a fraud. 

This should be an open and shut case in XXXX XXXXXXXX XXXX favor. Yet, for three months, she has written letters to Chase, and spoken with multiple Chase customer-service and fraud-department representatives, without any success. 

XXXX XXXX -- and Chase -- were caught in a holiday-time forgery ring that was notorious in XXXX XXXX XXXX NJ. A postal work had a master key and was stealing checks out of the mailbox that he had access to. He was caught and arrested. This was a time during which the bank should have been on heightened alert for fraud. We do not know the details of how the fraud unrolled, but presumably the bank 's records will reveal it. The bottom line is that Chase cashed a forged check against my client 's bank account, which should not have happened if Chase had adhered to standard security protocols. 

Chase issues bank statements on the first of each month. XXXX XXXX is not an online banker. Her XX/XX/XXXX statement did not arrive until well into XX/XX/XXXX. She promptly reviewed it and saw the {$9500.00} shortfall in her savings account. She immediately alerted the bank, and thus began what so far has been a 3 month process. My understanding is that Chase contends that it is not obligated to refund the {$9500.00} because her agreements with the bank require that she notify Chase within 30 days of the fraud, not even the reasonable discovery of the discrepancy. 

The agreements are contracts of adhesion. The shortened limitation period is in small print ; it is not called to the reader 's attention. The limitation period is unreasonable, unenforceable, and does not absolve Chase of liability for its grossly negligent and reckless acts that have caused XXXX XXXX damages. Please immediately refund XXXX XXXX 's {$9500.00} to her savings account. This situation is causing mental and physical stress to XXXX XXXX as this money is money saved for her daughter 's college and without this money being refunded - her daughter will be unable to attend university. 

We need your help for insight and suggestions as this is not fair that a bank keeps the money when fraudulence has been committed against my client.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I did not authorize these
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing XXXX XXXXXXXX Please investigate this account and remove if theres anything missing XXXX XXXX XXXX Please investigate this account and remove if theres anything missing
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (MD)

At the end of XXXX I received a goodbye servicing transfer statement. On XX/XX/XXXX I received a just kidding email saying they were no longer transferring my servicing. I canceled my autodraft and made a one time paymentto ensure it was still on time. They ignored my request, took my one time payment and then took my cancelled autodraft payment as well. To prevent them from collecting on both payments ( I was current and only due for XXXX ), I put a stop payment through my bank. The bank charged me a fee to do so. Now, HomesideXXXX refuses to refund me the fee that I had to incur as a result of their inability to properly service a mortgage. They are not protecting their consumers, they are neglecting them.
Consumer complaint received 2022-04-15
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)

The name of the fraudulent financial institution is XXXX XXXX XXXXXXXX XXXX This fraudulent account was opened by somebody else on XX/XX/2021 in the amount of {$10000.00} This account is a fraudulent account and I have filed a complaint to the federal trade commission center. Ive sent paperwork and all necessary docs to all 3 credit agencies. From the 3 agencies only EQUIFAX has taken NOT removed this account. Please delete this fraudulent account.