davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (FL)

I have been receiving notices of dark web activity from my Experian Credit Monitoring Application since XXXX of XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; Experian refused to remove any inquiries. Around XXXX of XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  Reports, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Back in I think XXXX or XXXX I had a checking account with Wells Fargo and they closed my account with notifying me due to fraud activity done to my account when I informed them I did not know what had happened to my account.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to XXXX, XXXX, and Experian an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from my credit report
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been receiving notices of dark web activity from my XXXX  Credit Monitoring Application since XXXX of XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; XXXX  refused to remove any inquiries. Around XXXX of XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  Reports, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (PA)

this company alleges i owe them a debt but after numerous attempts to validate the alleged debt they refuse to answer validation questions. at this point the validation period is long over with a 30 day response window AND went un rebutted and this alleged debt is now illegally attempted to be collected. and they have violated FDCPA laws.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (WY)

EXPERIAN *Has not allowed me access to my monitoring XXXX. Please have them revert to only the basic XXXX. plan with no monthly charges. Tried to contact them with no solution from c/s.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date open XX/XX/XXXX Charge-off XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} JPMCB CARD has committed Securities Fraud against me and has take Securities against on me without my consent. JPMCB CARD has stolen my Identity and taken Securities against my name.
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account Name : 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 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. The following below is all inaccurate information on my credit report under the Account Name XXXX. The Date Opened, High Credit, Last Reported, Date Last Active, and Date of Last Payment. I would like it to please be removed immediately. There has been an attached document with more details supporting the inaccurate information below.
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (LA)

XX/XX/2022, {$2400.00}. One Main was part of my debt consolidation which they agreed on a lower rate. The loan with One Main was paid off via the cost they agree on with the company. Everything was finalized and they were paid. 

I feel that they should have not ask for any additional money since they agreed to the payout amount to close the loan account. 

They sent me a XXXX XXXX  which should have never been reported!! How can a promise to take a loan payment agreement to resolve it become a scam to get additional money via taxes? This should have be resolved and written off as agree!!
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (FL)

I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$340.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An XXXX XXXX account with a {$20000.00} limit was opened on my Bank of America account without my permission, knowledge, or consent. The card was mailed to my old address. BofA said the application was sent in on XX/XX/23. I noticed it on XX/XX/23 and contacted BofA to shut down the card. I also froze all my credit and changed my passwords, as directed by BofA.
Consumer complaint received 2021-06-10
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: Chime Financial Inc (CA)

I reported fraud on my chime account on XX/XX/21. my cell phone was stolen and they hacked into my phone, taking over my email accounts and getting into my chime.com app. they then proceeded to change the because email to their own email so I could not log in and transferred themselves XXXX XXXX to themselves through the XXXX XXXX feature in the app. I have been in dispute with them ever since but have gotten refused twice. I included the police report I filed with the fraud and theft report and was still denied.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1. In 1 year I have filed online with TransUnion approx 5 different OnLine Disputes. 
2. Today I received my Paper TransUnion Credit Report and credit cards XXXX XXXX and XXXX still have the Incorrect Charge Card Numbers. I lost my Wallet over a year ago and was re-issued the 2 above credit cards with new account numbers. 
3. When I called TransUnion and stated I have completed 5 online Disputes about this issue and Nothing is done. They told me to Contact XXXX and XXXX XXXX and have THEM call TransUnion. 
4. I asked isn't this what the DISPUTE is for - Shouldn't TransUnion be doing the investigation on this issue? She didn't say anything except to call the Stores! I called XXXX - they had NO IDEA WHAT TransUnion was! 
5. Need someone to FIX the 2 old credit card # 's to the New # 's matching the charge cards I now have on my TRASNUNION CREDIT REPORT
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had a numerous amount of unauthorized transactions posted to my account from XX/XX/2020 to XX/XX/2020 by the ride sharing company XXXX. I have tried to get this issue resolved by my bank but unfortunately to no avail. 

Dates and Amounts : XX/XX/2020 {$19.00} XX/XX/2020 {$17.00} XX/XX/2020 {$12.00} XX/XX/2020 {$11.00} XX/XX/2020 {$21.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$43.00} XX/XX/2020 {$12.00} XX/XX/2020 {$12.00} XX/XX/2020 {$22.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$26.00} XX/XX/2020 {$26.00} XX/XX/2020 {$29.00} XX/XX/2020 {$37.00} XX/XX/2020 {$33.00} XX/XX/2020 {$25.00}
Consumer complaint received 2023-05-17
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions Bank has illegally charged me Overdraft fees on a transaction that shouldn't have taken place to begin with. The charge of XXXX from XXXX XXXX was reversed due to this error and my money was refunded but the bank ( Regions ) has kept the Overdraft fees as valid. This is an illegal fee ; for the simple fact that the company ( XXXX XXXX  ) shouldn't have charged the account and there wouldn't have been an Overdraft to begin with. This is a malicious attempt to charge fees when none can be, and seeing how Banks like ( Regions ) ; majority source of profits come from overdraft fees, it lends to the creditability to the assertion that this fee was charged in malicious intent to defraud the account holder and generate profit for the Bank. ( Regions ). They have recently had to pay XXXX XXXX dollars for this very issue a year or so ago, for defrauding their customers in " Surprise Overdraft Fees '' that should have NEVER been charged in the first place. 

Secondly in the General instructions page of FR2900 Board of Governors Federal Reserve System ( Sec. ) Report of Deposits and Vault Cash Page ( 10. ) Paragraph ( 8. ) titled ; Overdraft and Negative Balances on line 8 states that ; " Moreover any overdrawn deposit account by a customer should be regarded as a loan made by the reporting institution to that customer, and the amount of the overdraft should be regarded as XXXX  and not reported as a negative deposit ''. 

So if the Federal Reserve Board of Governors is instructing the reporting institution, in this case ( Regions ) to mark these as " loans '' how can it be legal or lawful for that institution ( Regions ) to charge a flat fee for that transaction. If its considered a loan than it should be charged the current interest rate for that particular type of loan which is currently 7.36 %
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (LA)

My account was hacked for almost XXXX. Chase is saying that It is my fault and my online information was used at the time. They even went so far to say my " fingerprint '' was used. I am XXXX XXXX XXXX XXXX and I can prove that I was on XXXX XXXX  the time and that I have no contact with any of the XXXX purchases that were made. This has taken a toll on my life. I am a XXXX XXXX of XXXX and I am struggling! Please help me. 

I have spoke with multiple representatives and I believe that this is being done through chase representatives or customers! I was received a temporary credit and than they completely wiped my accounts.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

On XX/XX/XXXX I received a letter from Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX, stating that I owed an amount of {$480.00} for XXXX XXXX. While I did at one point have XXXX XXXX, I couldn't keep up with the amount that was being requested. When I signed up originally I was told the bill would be $ XXXX and it ended up being upwards of $ XXXX. At time of setup, the associated located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX told me that if I wanted to stop service I could do so at any time with no repercussions and the plan I signed up was not a contract. One of the reasons I signed up for XXXX XXXX was because they had tv commercials stating it was not a contract. When I received this letter, I promptly wrote them back ( via snail mail so I have paper records ) asking them to show me the contract because I had no idea why I was being taken to collections for a month-to-month plan. ( See XXXX and XXXX for examples. ) Furthermore, on every other month-to-month plan they turn your service off if you don't pay yet somehow the bill went up to {$480.00}, how does that make sense when I did not have service for any of the time that they're trying to collect.They wrote back, 23 days later, only supplying a bill from XXXX but no form of contract or anything requested. I have requested them remove it from my credit and told them multiple times that I did not sign a contract, and they are still refusing to do so. Please help.