davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was aware of this fraud account on my credit XX/XX/2016. I am not aware of where it came from or who used my information. Since XX/XX/2016, I have been trying to get this account removed off of my credit.
Consumer complaint received 2022-05-23
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: AMERICAN EXPRESS COMPANY (IL)

So on XX/XX/XXXX a XXXX transaction was made from my card. From a company called XXXX. I called my bank when I noticed the transaction. They sent me a fraud report and told me it would take 45 days for them to investigate. American Express Serve is the bank. I waited the 45 days as they said I had to. They say I should have received an email which I did not. Stating they denied my claim and all I can do is reopen the investigation and wait an additional 45 days. According to them I made the purchase and I need to contact the company which is XXXX. I don't know this company. I have never dealt with this company. And I want my money back. But the bank refuse to help me. Instead they were rude to me. And told me either reopen the investigation or that's it. I'm upset. Because I did not make this transaction and the bank refuse to help me.
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (TN)

XXXX XX/XX/22 They called my daughter in law XXXX XXXX maiden name XXXX She conference me in the call. I adv her I am debt collecter as well she did not mm me adv me of the amount owed. Never gave her name or the company works for. I asked several times she finally told me it XXXX XXXX with Amsher collections. She told me I was very rude and that it did not matter XXXX was XXXX at the time of the debt. I adv her she was a minor. This the second time this company has been informed not to call her and to contact XXXX actual parents on this, she not liable. She told me good luck with filing a complaint
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently checked my credit report and saw that a 30 day late & 60 day late payment on my Visa card and a 30 day late payment on my Master card were placed on my credit bureau. I reached out to CapitalOne and indicated this was incorrect and that they never contacted me by phone or written correspondence. 

Following are the details : Capital One ( Visa card ) - 1 x 30 day late on XX/XX/XXXX and 1 x  60 day late on XX/XX/XXXX Capital One ( Master card ) - 1 x 30 day late on XX/XX/XXXX I requested CapitalOne to provide me with their documentation of the legal steps they took, as required by the FCRA, before reporting a negative rating on my bureau. They refused to provide me with the actions they took. 

I have never received any kind of communication from them regarding these late payments nor any information that they are going to report these remarks to credit bureau.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WI)

Years ago Paypal Credit charged my bank account instead of paypal credit they stated that paypal automatically takes funds from your bank account if you do not have enough on your limit to pay. If I wanted to not use any backup payment methods I could turn it off. So I did. Today I find out a purchase I made a couple of days ago to XX/XX/XXXX was charged to my bank account! They took the funds directly from my bank account instead of my PAYPAL credit which I paid the balance up front in order to charge this so now I have overpaid paypal and they have taken the funds out of my bank account. Paypal has become extremely corrupt and unethical. I DID NOT give them authorization to take funds directly from my bank account. I only use the bank account to pay my minimum payments.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I reported unauthorized debit card transactions to Chase Bank and on XX/XX/XXXX, received " permanent '' credit after Chase conducted and completed their investigation. On XX/XX/XXXX the same merchant was able to debit my account which was now listed as a " reacurring transaction '' and I notified Chase again and this time I was issued " provitional '' credit that was reversed on XX/XX/XXXX. I found out today that Chase Bank 's Caim Department input the claim incorrectly listing the payment method as " other means '' but failed to provide me with what " other means '' meant. I spoke with customer service and retail claims, was hung up on by " XXXX '' in retail claims after he failed to provide me with basic protocol guidlines that a financial institution must follow under federal regulation, EFTA, 15 USC 1693 et seq which was implentnted by the federal reserve and its sole intention is to protect consumers. Chase Bank and their refusal to uphold their fiduciary obligation under Regulation E borders on criminal. I would like a formal investigation conducted into JP Morgan Chase Bank for unfair and unethical business practices, violations of regulation e, tax evasion, breach of contract and violations of the CCPA.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On my Experian credit report, # XXXX it states in the comments section that the first payment was never received foXXXX XXXX XXXX XXXX  account. I attached the credit report outlining where the account was opened in XX/XX/2018 and the first XXXX payments were made XXXX and XXXX of 2018. Why are you stating that the first payment was never received if the first XXXX payments were made? Continuing to report this misleading information on my consumer report is a violation according to FCRA sec 623
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Rather than respond to my disputes listed below, Equifax removed a promotional block from my credit file XX/XX/XXXX, then claimed on the very same day ( XX/XX/XXXX ) it couldn't find my file to place a fraud alert THAT I NEVER REQUESTED ... Please see the included mail. This violated the FCRA in the most ridiculous ways ... How is it that the core disputes are not addressed at all ... This smacks of a delay tactic ... 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

I bought a telephoto lens bundle from XXXX. The order was delayed/lost, so they let me order the same lens but from a different seller. However the first seller XXXX XXXX XXXX claims their lens was delivered but I never got anything. This issue has been brought up multiple times with XXXX and they've sided with me claiming there's no evidence of the lens being delivered and even in their system it says the item is still in transit. XXXX SYNCHRONY BANK however refuses to refund me back the credit. I've opened multiple disputes and they keep declining them. Their emails keep saying " the seller claims that you received your item so no refund will be issued ''. They provide no proof, no delivery date, no pictures, and aren't cooperating with me or XXXX. This issue has been on going for over a year and a half now.
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IL)

I XXXX searched " XXXX XXXXXXXX '' on the shopping tab. XXXX XXXX popped up with the camera for {$500.00}, with $ XXXXshipping. A total of {$550.00}. After I placed the order, it was requested that I pay via XXXX through my PNC app. My order number was # XXXX and said " pending ''. I did not receive further instructions regarding where to send it, so I used their XXXX  to inquire, nor did I receive an invoice or receipt. 

A person named " XXXX XXXX '' responded and sent me an email from XXXX with instructions to issue the payment to XXXX ( an individual named XXXX XXXX ). He also requested that I reply with a screenshot of the XXXX payment. I did so and requested that I be sent an invoice and tracking number when it was shipped. I was told it would be sent today ( XX/XX/2022 ). 

I noticed the next day that it was still saying " processing '', so I inquired via the XXXX  with no response. I emailed the admin account, was told the item was going to be shipping soon, and the following day, they stated that I had not made the payment ( despite confirming that it was received ) They are also not answering the phone number listed on their website. They have since removed the ability to use the XXXX  from my account, Upon looking deeper on their XXXX business reviews, I saw that two things had occurred. Firstly, there is a review left by " XXXX XXXX '', the same name as the person who allegedly works there. Secondly, another user commented that the business was a scam. 

I contact my bank ( PNC Bank ) to dispute the transaction and report the fraud. They told me to call back once the payment has cleared my account. It cleared on the XXXX. 

I filed a dispute with my bank and they said I would hear back in 10 business days. They have since told me that my dispute was denied because it was not considered fraud. However, from what I understand, this agency has been pushing to include XXXX scams to be recognized as an " unauthorized '' payment. I have also not heard from the " seller ''. I have documentation of the scam below. 

I have filed reports with : The FTC, the Illinois Attorney General, the FBI, and the XXXX XXXX XXXX
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

The company is reporting multiple unverified alleged bankruptcies on my consumer report. Ive called multiple times to have them removed and they are not. They are also sharing my information with the credit bureaus in which I froze my account. The credit bureaus now have this inaccurate information which is now reporting on my credit file
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Palm Beach Credit Adjustors, Inc ()

This debt is false. Firstly, I do not live in the US. While in America, I had to go to the ER to have something checked out, I have FULL insurance coverage for everything. I provided ALL of my insurance details to everyone I had contact with at the hospital, and afterwards when contacted. I did the same for my insurance company, and confirmed by all parties that all was taken care of. 

Now, almost a year later this company, whom I've had zero contact with, at all. Filed a negative mark on my permanent credit history. This is completely unacceptable, and an illegal action.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I was emailed a final move out statement from XXXX XXXX. They told me that my final payment was to be made with PDQ. I made that payment with XXXX. Years later, Nation Credit Systems is trying to collect for something I dont owe. This has been paid through XXXX.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.
Consumer complaint received 2020-09-03
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. (VA)

My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO BANK WON'T LET ME ACCESS MY SAVING ACCOUNT WHEN I TRIED TO DEPOSIT CASH IN THE ACCOUNT THE REFUSED TO ACCEPT CASH AND TOLD ME TO GET A MONEY ORDER. WHEN I CAME BACK WITH A MONEY ORDER THEY REFUSED TO ACCEPT IT AND WOULD NOT TELL ME WHY. ALL THEY SAID WAS MY ACCOUNT WAS FROZEN.
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

A debt collection company has been posting derogatory information regarding a claim that I dispute. They claim that I had not paid a {$150.00} bill to XXXX XXXX XXXX XXXX XXXX. 
I told them that I had two cancelled checks of that amount and if they would send me the details, then I seek to match a check and send them a copy. They have never sent me any information verifying the claim and, yet, they keep adding interest charges. It appears that they are delaying simply to extort more money from me by adding interest charges after their failure to provide the requested details.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Consumer complaint received 2021-08-09
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)

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 35 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.