davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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. (TX)

My score drops 20 points in one month for absolutely no reason. There are no negative data added to my account however they lower my score by 20 points. It has happened several times before and the following month, my score is raised 20 points. This is highly suspicious and could easily keep me from being approved for something I apply for. I would like an investigation as to why this is happening. I've contacted them and they advise the score is calculated, however if the variables do not change, it is not possible for my score to fluctuate that way. I've attached the screen shot form Experian Mobile App which shows there was nothing negative added to my file since the prior month, yet it dropped 20 points.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I posted an item on XXXX XXXX and I was contacted by a user named XXXX XXXX saying she wanted to purchase the item for the posted price of {$850.00}. 
She asked me about the item and for my address and my XXXX email information. I provided the information and she sent me a screenshot confirming the payment of {$850.00}. A few minutes after I got an email from " XXXX App '' ( XXXX ) saying my account was limited and I needed to expand my account by asking the buyer to send me additional payments. I showed it to the buyer and she said she would call XXXX to confirm. After a few minutes, she said she would send me an additional {$250.00} and I needed to send it back to her. She showed the screenshot of the payment and I sent the money to the XXXX account provided XXXX XXXX After that they said XXXX took an additional {$400.00} from their account and I got another fraudulent email saying the payment of {$400.00} was needed to continue the transaction but the buyer and the seller were protected because the funds were being confirmed with XXXX. 
I reported the scam to Chase WHILE the second payment was still pending but they said they couldn't cancel it even after I said the payment was still pending. They didn't cancel it and just filed a claim saying they could not guarantee the refund of my money and I should contact XXXX even tho I did the transaction through the Chase site. 
I filed a complaint with XXXX too but they just brushed it off saying they don't offer transaction protection and basically saying I was responsible for making the transaction. 
I want my money refunded, all {$650.00} of it.
Consumer complaint received 2022-10-18
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

Fedloan servicing & us dept of education Are both reporting false and/or erroneous information on my credit report showing loans Ive never signed for. I demand the wet ink signature to prove I am responsible for these alleged loans ... ... .. Looking at the payment history shows many errors and false information and straight up lies, Ive never paid this company but they say they have payments from dates When I was unaware that this even existed ... ... I have never paid this company so them even stating that there was a payment on any date is automatically a lie and grounds for deletion.
Consumer complaint received 2021-04-12
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: JPMORGAN CHASE & CO. (CT)

Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with chase and XXXX they did not listen finally send to the creidt agencies XXXX  and XXXX and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX Paragon XXXX XXXX XXXX Account XXXX XXXX on report 2x 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 : also states a consumer reporting agency can not furnish an account with a written instruction.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outsider 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 under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions 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 cresting some accounts. All are being investigated by the FTC
Consumer complaint received 2022-06-27
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. XXXX and Equifax still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

XXXX account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted. 

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 2021-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

We returned a stove and have a {$4300.00} credit balance. When we requested a refund we were told it would appear in our checking account in 5 business days. In 5 business days we received a letter stating that the refund would not appear because the name on our minimum payment of {$31.00} the month before doesnt match the name on the refund account. What does our minimum payment have to do with our refund? Shouldnt it be refunded to the account in the name of the credit card holder regardless? Are they just trying to keep our money. Feels like a scam. Please read the attached letter.
Consumer complaint received 2021-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an email from XXXX saying they purchased a debt from capital one for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.
Consumer complaint received 2023-03-29
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late open XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-21
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: TRANSWORLD SYSTEMS INC (GA)

In XX/XX/XXXX Transworld Systems Inc reported an account under my credit that does not belong to me. I have tried for 2 months to get this resolved thru the credit bureaus and thru the collections agency at no avail. Transworld 's customer is XXXX XXXX. I have not been able to get a hold of who handles this account on the XXXX XXXX end because at the end of XX/XX/XXXX there was a merger in which XXXX XXXXXXXX bought XXXX XXXX but the merger did not include any Texas service address- the account in question was opened in Texas under a XXXX XXXX XXXX I have provided proof that I do not reside in Texas and that my name is XXXX XXXX. Note that the spelling on the account is slightly different as their costurmer 's last name is XXXX and mine is XXXX. I have never gone gone by the last name XXXX ( my maiden is XXXX ), I have never resided in Texas not done any business in Texas. 

I became aware of this account due to a credit alert. I was informed that the service address listed is XXXX XXXX XXXX XXXX Tx. The service date was XX/XX/XXXX. 

Transworld indicates that that they are waiting for XXXX XXXX to validate the account but they are not getting any response from XXXX. 
I was advised that XXXX XXXX took over those account with a Texas service address that were not assumed by XXXX XXXX- I have contacted XXXX XXXX  but they informed me that they do not show my account on their system ( probably because it was already in collections ) and they referred me back to Transworld Systems .
Consumer complaint received 2021-09-13
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. (IL)

Fraudulent reporting on behalf EQUIFAX ; 15 U.S.C. 1681b - Permissible purposes of consumer reports ; In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 US Code 1611- Criminal liability for willful and knowing ; Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

The company had an unannounced " planned '' outage that made their online systems unusable. I have incurred late fees since and most recently they have closed my account with no reason or authorization on my behave. I have reached out to multiple representatives with no success.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022 I deposited Check # XXXX into our business checking account ending in XXXX via TRUIST Mobile Deposit on the TRUIST Mobile App on my XXXX. Received a letter via XXXX dated XX/XX/2022 that stated TRUIST had made the decision to close the account. I contacted Fraud Management at the number provided in the letter. The phone rep was not able to give me any information on why the decision was made to close the account. On XX/XX/2022 I called the branch where the account was opened to see what I could find out. They were able to give me the Fraud Management phone number and a CFO # to see if I could get more information. After calling Fraud Management again I asked that the analyst who made the decision to call me directly to discuss reasoning and if there was anything that could be done. On XX/XX/2022 after not hearing back from Fraud Management I went into the bank branch where the account was opened. I turned in requested information and branch representative made copies and emailed documentation showing that CH # XXXX had cleared. As of XX/XX/2022 there was no communication from Fraud Management. I called and filed a formal request again to be contacted. As of today, XX/XX/2022 I have not heard back. Currently the money shows available in the online banking App and Website, but we have no ability to move that money other than closing out the account per TRUIST customer Service and Fraud Management call reps. We have a total of 8 business accounts and this particular Checking and Savings account associated with XXXX, LLC are the only two that currently have holds on them. We would prefer not to close the accounts, but the branch manager and regional manager have said they can not do anything because this was a 'back office ' decision. I would like to understand what was done on our part to trigger the Fraud Department 's decision to close these particular checking and savings account.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I declare under penalty of perjury ( under the laws of the XXXX XXXX, 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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report 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 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Hello, We have tried to transfer money through Money Gram to help people in need in the XXXX. The transfer did not go through with no reason and refund has not been completed yet. Money Gram claims that the funds were returned to XXXX and XXXX claims that they have never received any refunds. We have been on the phone over 10 hours with both financial institutions. We have emailed, faxed, called, twitted to solve the issue with no luck. We need the Bureau`s help to get our money back and to stop this fraud. 

Transaction date : XX/XX/2020 Amount : {$300.00} Money Gram transaction Number : XXXX The last response from Money Gram : From : XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX XXXX To : XXXX Subject : XXXX Case XXXX Dear XXXX XXXX XXXX , Thank you for your communication to us detailing your concerns associated with MoneyGram International XXXX 

You have stated that you have attempted to request a refund for your transaction XXXX in the amount of XXXX ( USD ). 

Our records show that on XX/XX/2020 we received a charge back request from your bank. Since your transaction was rejected by intended receive party MoneyGram accepted the charge back and funds were returned by your bank. 

If there are any issues we would advise to contact your financial institution for assistance. 

Thank you, XXXX Executive Escalations Specialist IV ______________________ MoneyGram International ref : XXXX : ref