davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting 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 numerous 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 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
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/XXXX i received an ach deposit to an closed account with chase bank i called XX/XX/XXXX to have the funds rerouted to my open account I was instructed by chase specialist over the phone to go into a branch and verify my identity so the funds can be rerouted. I go in the chase bank in XXXX, Mi on XXXX XXXX XXXX and they tell me I have to wait XXXX days before I even know what they are gon na do with the funds.No one at the chase branch or the customer service over the phone can help me
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (TX)

I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Consumer complaint received 2021-04-19
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: EQUIFAX, INC. (NJ)

I have submitted a dispute with Equifax numerous times about reporting inaccurate information. They stated that the investigation would take 30 days and I have not received any results and it has been past the 30 days 3 times. I want this information remove as soon as possible. This information is not on any of my other credit reports
Consumer complaint received 2021-02-23
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. (AL)

THIS ACCOUNT WAS SUPPOSED TO BE REMOVED. I PAID THIS ACCOUNT AND ITS STILL ON MY PROFILE. I AM TRYING TO BUY A HOUSE AND THIS PAID COLLECTION ACCOUNT IS CAUSING ME AND MY FAMILY HARDSHIP There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. 

Transaction Details -- -- -- -- -- -- -- -- -- -- -- - Date : XX/XX/21 XXXX Merchant : XXXX - XXXX Type : Credit Card Sale Invoice # : XXXX Amount : XXXX Description : XXXX XXXX Credit Card Holder : XXXX XXXX XXXX Card Number : XXXX ITS REPORTING AS XXXX XXXX  XX/XX/21 {$800.00}
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

Received a letter in late XXXX of 2021 from XXXX XXXX XXXX stating that my Macy 's credit card account has been placed in their office for collection of {$360.00}. This letter had no breakdown or invoice attached, no date purchased, what was purchased or what Macy 's store it was purchased from. This was difficult for me to understand, because that card had not been used by me for over two years and sat in a drawer at home, and for two year I have not receive any bill, phone call or email from Macy 's about money owed in the last two year till this letter. 
Called them and spoke to XXXX XXXX he told me the card has been closed by Macy 's since XXXX of last year and did not have information on the breakdown of charges. After that call I send a charges dispute letters to Macy 's. I then called Credit Control again of XX/XX/XXXX and spoke to a XXXX XXXX he said my account was sent to Department stores XXXX XXXX  ( XXXX ). So I called the Bank the next day and was connected to XXXX ( # XXXX ) He also could not give me any information on the date, time, place of the charges and what was purchased. He then advised me that due to my dispute letter, the account has been sent to a investigation team. 
I received a letter from the Macy 's Fraud Investigation Dept. on XX/XX/2021, stating the matter was being investigated, also that I was obligated to pay any bill not under this dispute ( I have no other charges because I never used the card in two years ) there letter also did not have any invoice breakdown. 
Received another letter from the Fraud Investigation Dept. on XX/XX/XXXX stating that they have completed their investigation and that I am to pay the full amount ( still no invoice with what was purchased, when, and what store, they also stated that if the bill is not paid the three credit reporting service would be notified.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (FL)

Enhanced Recovery Collection is reporting a debt on my credit report from XXXX. I do not have any contract with Enhanced Recovery Collection, I do not have any business with Enhanced Recovery Collection, nor have I ever done business with this company. My account is still active with XXXX in good standing. I have spoken with XXXX on many occasions since this account started reporting on my credit report. After speaking with XXXX I was told my account was never placed with a collection agency HENCE, I am a valued customer with 12 active business lines with XXXX. 

When calling to speak with Enhanced Recovery Collection they are very rude using profanity, hanging up the phone and threaten to garnish my wages. Attache you will find my monthly bill from XXXX showing this account was paid. However, XXXX does not have this account listed with a collection agency because this account is still open with XXXX.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

i have an account at PayPal NAME- XXXX XXXX . Email id- XXXX. 

my only mistake was I was a new user of paypal and was not familiar with terms and conditions, I missed to give my some id cards when they have sent A Email. 
I received my first order on etsy on XXXX XXXX of three painting and i have updated the Tracking detail on Paypal, but after that they locked my account permanently, and freeze my fund {$180.00} for 180 days. 
I sent many emails and requested them I am ready to give whatever ID they need from me, it was just that I didn't know about this before. but they are not helping me or not giving my money, they said that At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement and therefore can no longer offer you PayPal services. 

when my client is so happy with my painting, attaching her feedback with this complain, why they are holding my payment. i am a poor XXXX spent money on painting, sending couriers, paid fees of XXXX but now I AM IN BIG TROUBLE NOW, this is first time when i sold my painting in international market and this unfortunate thing happened with me, i beg for your help. please please please help to get my money back asap.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (OH)

Auto pay was set up with Homeside Financial to come out of the checking account on the XXXX of every month since opening the loan in XX/XX/2021. 

In XXXX we got a letter saying we were moving from Homeside Financial to Lower as a service transfer. 

On XX/XX/XXXX, I called Homeside to find out why the payment for XXXX had not been taken from the checking and they said it was due to an issue with the service transfer and my account being held back to stay with Homeside. 

They took my payment by phone and said that my autopay would continue as scheduled and they were sorry this caused an issue with the XXXX autopay that was to due to confusion on the backend with Homeside and Lower. 

As of XX/XX/XXXX, there has been no attempt by Homeside or Lower to notify us of this reverse on the service transfer and the fact that this affected the XXXX auto pay. 

There is an entire set of customers who are going to get any notice outside of their grace period and they will be affected by their credit score, their interest applied and their time spent having to solve this problem for Lower and Homeside. 

Hopefully people see their accounts are not being debited or they are going to have a negative impact due to Homeside and Lower 's confusion.
Consumer complaint received 2019-07-03
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: Innovis (GA)

To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have accounts on my credit profile that are for a fact identity theft. I requested the accounts to be removed but it's been on my credit an dhurting my score for so many years. 

I currently have an identity Theft report with the FTC.
Consumer complaint received 2022-12-20
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. (GA)

I received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2022-04-05
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. (MD)

I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2020 I deposited a stimulus check that I received from XXXX. The amount of the check was {$1200.00}. I purchased a money order in the amount of {$200.00} to pay my Tithes. Please advise if you need a copy of the money order. I transferred {$500.00} into my saving account ending with XXXX. I was told by the bank the savings account closed automatically, because it wasn't being used Because I inquired about those transactions, the accounts were closed. New accounts were opened.
Consumer complaint received 2022-10-24
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (NV)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2019-12-06
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. (TX)

over 3-4 months ago. I submitted identity thieft documents over to all the credit buerueas, XXXX, equifax, and XXXX. XXXX  and XXXX did the proper steos and blocks the items due to fraud. XXXX  and XXXX sent the same information overt, saying that the information was fraud and they block the accounts and inquiries from my credit report.Equifa is the only credit beureaus that has XXXX   from XXXX that has very poorly english and they wont do nothing about it. equifax ignors the documents that has beem sent which is my Ftc report, fcra block letter, Equifax block letter and a extra affidavit notrorixed by a notary which makes it legal by court and law. Under the fair credit reporting act section 605b I can request that these accounts and information be block due to fraud. they tottally crazy the amount of time they takes, the foreigners they use that cant speak english and all of the legal information that I sent to them and they have done nothing towards my credit report but send me copies of new credit reports without the information that i requested to block. I also submittet a affidavit notorized saying that 1. I hadnt recieve any goods.2 I didnt make any mistakes,3 I am not making a false report.4. this is a legalized document that can prosercute me under the laws of the united states of american if I'm lying.  Lastlying the FTC reports allows me to request that these items be block if i beem a victim of fraud and the items im requesting to block is a victim of fraud.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST FINANCIAL BANKSHARES, INC. (TX)

XXXX Overdraft charges. Charging me XXXX a month due to TIMING. My deposits were there but XXXX XXXX Bank would reshuffle where withdrawals were put before deposits. I changed banks and haven't had OD in XXXX years.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2022 I used my American Express card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it their payment processor.
Consumer complaint received 2021-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I told him that I dont have money If you guys want to take XXXX bucks a month or a week I can do that And just feels like Im getting the runaround that I have to upload this up now that I tried clicking or upload it just doesnt let me add more stupid questions are asking me do this do that I dont need this XXXX Im sorry for my language
Consumer complaint received 2023-03-20
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. (AZ)

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  : It also states 15 U.S.C. 1681 Section 602 A. States that 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 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2022 I was contacted by someone calling from Wells Fargo Customer Service. It appeared as the correct number, but was a scammer. I had just applied for a personal loan a few moments before, so I answered thinking it may have something to do with that. The person on the other end told me that they were calling from Wells Fargo because someone had tried to send themselves money from my checking account through XXXX. He said that WF can't interfere with a XXXX transaction, but that if I created an account and sent the money back to myself, it would reverse the transaction. I did so twice, first sending {$1000.00} and then {$440.00}. I want to be clear that the only information I entered when making this transaction was my OWN name and phone number. The attached bank document will show that I sent the money to myself ( or so I thought ). I never authorized a transaction to send to an outside account or any other person, therefore making this FRAUD, not an authorized transaction as WF is claiming. About ten minutes after hanging up, I realized something was strange and called WF to report the incident. After waiting the recommended ten days, I still had heard nothing so I called them and was told my case had been closed ( without notification to myself ) and that the bank said there was nothing they could do since I authorized the transaction. Again, I do not feel that I authorized this transaction as I thought I was simply sending money to my own account. I was told that they have no way of knowing if I was complicit in the fraud ; but if they suspect something like that, why did they approve me for a personal loan of $ XXXX? I plan on closing my accounts ( I've already closed my savings account ) and moving my money to a credit union. I've also been interviewed by a local news station regarding this matter.