davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
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. (AR)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Consumer complaint received 2023-01-07
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. (NM)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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. (NM)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (MI)

I declare under penalty of perjury ( under the laws of the united states, 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 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I have repeatedly received false invoices via PayPal. The latest is from XXXX for {$540.00} for XXXX XXXX XXXX from XXXX. These are from people I have never had contact with for services I have never used. 

PayPal refuses to block these transactions. If they are refusing to close my account due to alleged open disputes, they have to at least stop allowing new activity.
Consumer complaint received 2023-01-06
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. (ND)

Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX credit karma showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called XXXX they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to XXXX and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with XXXX which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (ND)

Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX credit karma showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called XXXX they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to XXXX and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with XXXX which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I have been trying over and over to have JP Morgan chase to allow me access to my funds that are available as they have restricted my account. They have told me I will need to wait until the time period is up and then they will mail me a cashiers check to have my funds mailed to me which will be about XXXX days from the XXXX of XXXX. My account has a positive balance of {$2200.00} and there are no more pending transactions or negative balances on the account. Ive explained that is all the money I have and no income due to winter months and I need that money to provide for my family and feed them. Even a portion if the available funds would be helpful. I am told left and right no! Or I get different answers from everyone I talk to. Their staff can be rude and misleading.
Consumer complaint received 2023-01-07
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: SYNCHRONY FINANCIAL (NV)

Pursuant to the Heroes Act my rights were violated by SYNCB/TJX COS. During the Covid 19 Pandemic late payments were reported on my account in XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX  through XXXX XXXX and XX/XX/XXXX through XXXX XXXX resulting in a charge off status effective XXXX XXXX  by your company- which I have disputed a few times to no avail. 

See attachment
Consumer complaint received 2023-01-07
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credimatico LLC (TX)

I was in a tough spot back in XXXX and decided to try a payday loan. With bad credit I didnt have much of a choice with the situation I was in. I was told that the XXXX loan would be paid off in XXXX payments and i went ahead and agreed. As I was signing the paper work online, they stay on the phone with you to encourage you to complete the paper work. On XXXX of the forms I saw the fee and payment schedule and it had a total of XXXX payments but i was told there would only be XXXX. I asked the guy on the phone and he said thats in case I needed to extend my loan, so again I asked, if i dont extend, then its getting paid off in XXXX payments correct? The guy said yes. Red flag but being desperate, I wanted to belive the guy so continued signing. I never extended the loan and ended up paying all XXXX payments. I took it as a life lesson. Never do business with these type of places. The final payment as per the agreement was deducted on the XXXX of XXXX. Today XX/XX/2022 I was hit with a " late payment fee '' of XXXX and was told i had called in on the XXXX to make that payment arrangement. Not once did I call them to make any arrangement. Everything is auto debited so there was no need for that but still a parting random additional fee was given. All the lady XXXX XXXX could say is that she spoke to me on the XXXX and there is a note. XXXX XXXX. If they did this to me, I know they are doing it to others. they say calls are recorded but still wont go and check to prove I hadnt called. Disgusting company who takes advantage of someone in a bad spot.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Neon Newco Corporation (NC)

I should have {$250000.00} on my all access card and none is put on there can you please tell me why can you please help me figure out why the NetSpend will not let me log in and the people that I call with the number or no help at all
Consumer complaint received 2020-05-27
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. (AR)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

on XX/XX/XXXX XXXX i visited 3 XXXX locations and purchased 3 vanilla visa gift cards in the amount of {$500.00} each totaling {$1500.00}. 
When attempting to activate the cards and to check the balance on each if the cards the online system displayed " system error please try again later '' and would not even display any account information or balances. 
When i used the telephone system to do the same i tried with each card and tge response i received was " there is an issue with the card number you have entered '' and never gave any information about any of the three cards. 
I tried each of the online and telephone systems fir several days until i just contacted vanilla visa from the number on the physical card, their response was contact the retailer. XXXX XXXX XXXX So i did just that, i emailed a few times with an unknown rep snd they asked me for copies of the receipts and pictures of the cards. I sent all of the requested items ( also attached ) and have not gotten any reply. 
I complained to the XXXX  and received a response from XXXX telling me i need to send the picture 's in a certain format. ( XXXX XXXX XXXX  ) which i did and it has bern weeks and no response. 
I have not been able to use the cards or check balance. they keep replying insufficient funds when attempting to use.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

The following unauthorized charges where made on my XXXX XXXX Visa card ( XXXX XXXX XXXX ) XX/XX/XXXXXXXX {$38.00} XX/XX/XXXX {$430.00} XX/XX/XXXX, {$81.00} The credit card company has resolved that Im not responsible for the {$38.00} charge. The other two, were credited back to my account on XX/XX/XXXX, then recharged to my account the same day. They were then credited back on XX/XX/XXXX. They were once again recharged to my account on XX/XX/XXXX. 

I have no knowledge of how these charges were made. 

I have proactively communicated with XXXX XXXX Visa XXXX XXXX XXXX XXXX ) regarding this matter including : XX/XX/XXXX I called to report the unauthorized charges XX/XX/XXXX I called to follow up, since I was never contacted back. 
XX/XX/XXXX Online text chat session on website, for which I have the full transcript XX/XX/XXXX I called and spoke with XXXX, a supervisor Late XXXX Sent a US Mail response to a letter I received about the situation, answering all questions asked XX/XX/XXXX I sent a message via the fidelityrewards.com sites Send a Secure Message feature XX/XX/XXXX I made a post on the XXXX XXXX page explaining the situation XX/XX/XXXX I sent a XXXX XXXX message asking for help via the XXXX page XXXX/XXXX/XXXX I called to again report the newly reinstated charges as unauthorized. 
XX/XX/XXXX Sent a certified letter to their customer service mailing address. 

Consistently, the people I reach on the phone, via the number on the back of my card, have told me they are unable to resolve the issue. They are also unable to put me in contact with the investigators, and claim they cant talk to the investigators. They say the only way is for the investigators to call me, which hasnt happened. I have offered to make an appointment for such a call, but have been told that isnt done. I have kept records, including recordings of phone conversations, to document all of this. 

As of now, the {$430.00} and {$81.00} charges are on my card and will be due on my next statement. I believe that I am not responsible for unauthorized charges and request help in resolving this matter.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MN)

On XX/XX/2022 the Merchant XXXX XXXX charged my debit card twice for {$18.00} & {$21.00}. This transaction is fraudulent and I have filed a police report. I disputed it and current said I lost my claim. If current does not fix this issue I will filing a lawsuit in small claims court
Consumer complaint received 2023-01-31
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 (FL)

On XXXX I received an email from Bank of America wanting to verify/ confirm my email address. I thought it was a phishing scam and reported it. 

On XXXX I received an email from XXXX XXXX XXXX informing me that someone viewed my credit report. 

XXXX logged in saw that Bank of America had made a hard inquiry without my authorization. 

On XXXX I received a text message at XXXX from # XXXX. Congratulations, your Bank of America XXXX XXXX was approved. Welcome package and card ( XXXX ) will arrive within 14 days. 

XXXX @ XXXX contacted Bank of America XXXX department and reported the fraud and unauthorized authorization of a credit card and unauthorized hard inquiry of my credit history. Was advised it was for a XXXX XXXX credit card with a credit limit of $ XXXX. XXXX XXXX XXXX issued by Bank of America. Was also told that a fraud alert issued and card ( XXXX ) were cancelled effective immediately. 

XXXX I contacted XXXX to report the unauthorized hard inquiry by Bank of America. Provided them with the B of A fraud case #. XXXX notification sent to all XXXX credit bureaus ; including XXXX and XXXX.
Consumer complaint received 2023-01-31
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. (CA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have Violated my Rights 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS 15 US Code 1605 " Definition of a FINANCE CHARGE '' Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment 540 and installments 15 US Code 1635 XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

My social security check comes to me through Comerica Bank ( direct express) and it seems like something was wrong with my account. Whenever I tried to use my debit card at stores, they would ask, did I have another card. I never use all my money and I wasnt able to pay my bills properly and my credit score was going down. Whenever I tried to go into my account or even changing password, I could not get in.  I called in XXXX  and said I wanted the supervisor because something was wrong. I also asked for statements because I it wouldnt let me in online. XXXX XXXX and XXXX were days I called. The XXXX, the woman looked at XXXX  and said it started then. The statements came for XXXX  to XXXX  and I was horrified. I called immediately and asked for account to be closed because someone was using my account. There were different names purchasing things with XXXX ( I dont use XXXX) at least 10 - 12 times a day, daily for months. A supervisor never called. I faxed a statement and emailed one. They refused me. I went to police and filed police report.  I faxed XXXX, and report on XXXX XXXX.
Called XXXX XXXX ( they said I gave permission to ppl to take my money)
Consumer complaint received 2023-01-31
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)

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. 
Collections Account 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 XXXX XXXX XXXX has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). 

Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.