davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

This is a complaint against fraud by company that originally advertised itself as " XXXX Serum '' and later acted under different names such as XXXX, XXXX, XXXX ..., XXXX, etc.. 

XXXX advertised themselves as an internet store specializing in cosmetics beauty products. My first and only purchase from XXXX was made on the internet through their web store at XXXX on XX/XX/XXXX, for a sample of skin serum for an amount of XXXX, ( plus a shipping charge ). This purchase in no way indicated any contract engagement. The purchased product was shipped and received timely. The fraudulent activity followed shortly in the form of several charges on my credit card that were done surreptitiously, without my authorization. 

Since the charges were completely unexpected, I did not spot them in my monthly bank statements until two months later, and upon scrutiny found all of them. Here is the list, as complete as I can infer from the monthly statements : 1 ) XXXX XXXX XXXX XXXX {$4.00} 2 ) XX/XX/XXXX XXXX XXXX XXXX {$3.00} 3 ) XX/XX/XXXX XXXX XXXX XXXX {$1.00} 4 ) XXXX/XXXX/XXXX XXXX XXXX VA {$99.00} 5 ) XX/XX/XXXX XXXX VA {$89.00} 6 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 7 ) XX/XX/XXXX XXXX XXXX XXXX {$89.00} 8 ) XX/XX/XXXX XXXX XXXX XXXX {$99.00} 9 ) XXXX XXXX {$89.00} Items XXXX-XXXX above are related to the first and only purchase I made, and I do not wish to dispute them. Items XXXX-XXXX, on the other hand, represent the fraudulent activities. 

Also, ( I believe in an attempt to justify these above charges ) the company made XXXX small shipments on my name, that contained XXXX small containers with net weight of XXXX ounces, of something called " XXXX '', that to this day remain sealed. If the company wants them returned, I will ship them back, by all means at their own expense. 

I made an attempt to dispute these charges though my bank ( Chase - credit card issuer ) that negotiated with the rogue company on my behalf. As a result, XXXX XXXX XXXX XXXX ( I guess this is one of the names they go under ) condescendingly issued a refund : 10 ) XXXX/XXXX/XXXX XXXX {$89.00} and considered the matter closed. 

On XX/XX/XXXX I received an email from XXXX XXXX where they wrote, among some less significant lines : " we have marked your request as resolved ''. 

This was followed by another email on XX/XX/XXXX where they stated : " Your account has been put on Black list status and we can no longer assist you with any of your account details ''. 

So it seems I have exhausted all my options in trying to get a full refund. This is why I ask for your help. 

the means to contact the company ( s ) are : 1 ) XXXXXXXXXXXX 2 ) XXXXXXXXXXXX 3 ) : Shipping Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I not only wish to get my reimbursement, but would like for this company to be marked under anything from marketing to wire fraud.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

I submitted all required information that was asked for by the website and then something poped up asking questions from one of the credit bureaus to verify my identity and i answered all questions correctly and to the best of my knowledge and it denied me because it could not verify my identity. I have already reported identity theft to the Federal Trade Commission. Please contact me as soon as possible.
Consumer complaint received 2017-01-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from Capital One Bank. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.
Consumer complaint received 2017-01-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has charged a couple of fee charges to my account in the past month. 
1. A {$12.00} fee was charged as maintenance to my checkings account on XXXX/XXXX/17. I 've never seen such a charge on my account before. 

2. A {$35.00} overdraft fee charged to my checkings account a month ago. I 've linked my savings account to my checkings account for OD protection.Besides I have two other accounts including joint checking and business account with them with enough balance at all times. 

I would like them to remove both these fees from my account. My family and I have given them enough business and we notice the more accounts we open they more they charge us with such fees.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion suddenly added XXXX ancient derogatories to my credit report -- XXXX! With XXXX update. Prior to that, TransUnion showed I had XXXX derogatories. And all of these " new '' derogatories are years old -- not new, there are multiple repeats, AND they 're items that had already dropped off my credit report ( they 're just under the name of new collection agencies ). It makes it hopeless. I have 0 % debt today, I am 100 percent on-time with my bill paying and only had medical debts to begin with, and that because I was hit by a driver with horrible insurance and spent the last 7 years having XXXX after XXXX I had to pay for out of pocket. Before that I had a high credit score, owned my own house. There is no American Dream -- or hope of avoiding today 's monstrously greedy landlords when we 're trapped and unable to buy a home and control our monthly housing costs because of these horribly inaccurate bureaus that everyone gives such power -- even though everyone knows how wrong their information is. A banker told me that it wo n't be long before they 're abandoned by mortgage lenders, etc. who know a credit score today is pretty much useless in determining someone 's credit worthiness but the computer program makes them enter the number. For now. But in the meantime, their carelessness damns anyone who falls victim to an unlucky event as much as any debtor 's prison did. There is no way out.
Consumer complaint received 2017-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

I was a victim of identity theft and noticed a collection from BERLINWHR-KS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against BERLINWHR-KS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (SC)

In XXXX XXXX I received an alert from my credit monitoring service of a negative account with allied collection services of nevada reporting on all XXXX credit bureau in the amount of over {$400.00} with the original creditor of gentle breeze dated in XXXX. I never heard of any of these companies nor have I ever conducted business with them nor have I ever received any written correspondence from these companies regarding this fraudulent account prior to it being placed on my personal credit reports. I was never given the opportunity to request validation and because this company has placed this invalidated information on my credit files, they are in violation of FCRA and FCRA. I pay my bills on time and have n't had any derogatory items on my credit reportscore in years.
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Student Assistance (IL)

I sent a letter to American Student Assistance letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and American Student Assistance refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. American Student Assistance provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2017-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I contact the company and theres no record on file. Its an XXXX XXXX XXXX
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from equifax saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks vijay
Consumer complaint received 2017-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Bureau Services Association (TX)

I was a victim of identity theft and noticed a collection from CREDIT BUREAU SERVICES ASSOCIATION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT BUREAU SERVICES ASSOCIATION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2017-07-12
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. (TX)

XXXX   XXXX   XXXX   XXXX   continues  to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my   XXXX   report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (FL)

I am writing this letter to file a complaint against Credit Karma a.k.a creditkarma.com regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into Credit Karma.com a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to Credit Karma numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (OK)

A collection was placed on my credit of which I had no knowledge about nor received any notice about the amount claiming to be owed to them. The debt collector ( Millennium Financial Group ) looking to be collect for the amount of {$500.00} for XXXX headquartered out of XXXX XXXX, OK. I do not believe I owe this company nor has proper legal documents been filed showing i owe this amount. Both companies have failed to present me with a detailed spreadsheet showing exactly why I owe the company {$500.00}. Both companies are attempting to collect a falsely amount.
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX, I deposited my payroll check ( a there-to-fore common practice ) in my Wells Fargo checking account and received a deposit receipt ( copy attached ) which stated that the deposit would be credited on XXXX XXXX. On XXXX XXXX, I received a letter from Wells Fargo ( copy attached ) which said that the funds had been placed on hold and would be credited on XXXX XXXX, XXXX. Luckily I had not drawn on those funds. I called Wells Fargo customer service and was told that the letter had been sent in error and my account reflected the credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I deposited my payroll check ( copy of deposit receipt attached ) and was told specifically that there would be no hold placed on the check and my deposit would credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I accessed my online banking portal and discovered that a hold had been placed on the funds and that the deposit would not be credited until XXXX XXXX, XXXX. I again contacted customer service and was told that the hold was a result of " risk '' with no further explanation. I went to my branch office and requested an explanation. They contacted " loss prevention '' and all they could tell me was that a " general '' hold had been placed on the deposit. I asked for a written explanation of the hold and its ' reasoning. I was told that Wells Fargo does not provide written explanations. I asked specifically if they were denying my request for a written explanation and they responded " yes ''. I should note that the account on which the check ( s ) were drawn was also a Wells Fargo account and that that account was at the same branch as my account. I believe that both of these holds are in violation of Regulation " C '' for duration, failure to inform at time of deposit, and failure to provide explanation and reasoning for the hold ( s ). I believe that Regulation " C '' has specific sanctions defined when a violation ( s ) occurs. An appropriate sanction, in my opinion, is that the institution be required to match the funds which are held in violation of the regulation. It seems that Wells Fargo is attempting to replace income from opening illegal accounts to causing overdraft fees by, without informing the customer, in fact misleading the customer, as to when funds will be credited. I should also note that following the XXXX XXXX deposit and XXXX XXXX letter all evidence of the hold action had been removed from my account history and my monthly statement and online account information reflect the deposit credit on XXXX XXXX, XXXX as if no hold had been placed in the first place. I assume Wells Fargo will " cover their tracks '' on this new hold as well.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** MEDICAL - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.
Consumer complaint received 2017-01-07
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

I received a friend request on XXXX from a lady who 's profile name is XXXX. she advertised how she can help people make additional income with a number provided XXXX which I decided to call to get more info. she texted me and said that someone would be calling me. Which they did, and the conversation was explaining there business helping others flip the money to help there assist their financial needs. I ask how do you get started? They replied that I had to give my full name to get registered in there system then drive to a local western union at send money to an specific name and address then 20-30 mins later i would receive a tracking number to pick up my flipped return payment. I ask whats the minimum to send and they repaid {$150.00}. which would flip and return to me in the amount of {$3000.00}. I then went to western union as instructed filled out the form to send {$150.00} to the name and place the told me which was to a XXXX in XXXX. The tracking number of this transaction is # XXXX and i waiting as instructed to get my refund. then i received a message saying the money is there but the irs just notified them that there is a fee of {$290.00} that needs to be paid in order to receive my refund. I went back and forth with them through text and phone calls on how I do n't have anymore money and how this was n't what was discussed prior to me sending the first transaction. I let them know i could n't send anymore and they insist if I could send what i have. I told them i had a XXXX and they assured me that after i send this that i would receive my money with an additional {$1000.00} and a new XXXX which would come in the mail. They even proved me with the tracking number to give me clarity of the transaction being legit. that number was # XXXX but i was n't able to see the amount or the name attach to it which left me still suspicious. so i declined to send anything else and told them i would be reporting them so they could stop calling which they did after I uttered those words. So here I am telling of my unfortunate tragedy. I just was looking to better my families financial status. Not sure what will come of this, but I pray they get caught so that they can not mislead anyone else.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, XXXX my credit score went from XXXX to XXXX because XXXX XXXX submitted a late charge of {$12.00}. The card was closed on XXXX XXXX, XXXX with a {$0.00} balance. Almost 4 years later XXXX XXXX reflects on my credit report history indicating XXXX missed payments from XXXX XXXX to XXXX XXXX when the account was closed. I ensured that my balance was XXXX before closing the account. I never recieved any notice from XXXX XXXX that I had a {$12.00} balance. Attached you will find my Credit Report dated XXXX/XXXX/XXXX showing XXXX XXXX with a Balance of {$0.00} and the Pay Status as Current ; Paid or Paying as Agreed. I 've also included my most recent credit report showing XXXX missed payments from XXXX XXXX.
Consumer complaint received 2017-01-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc. (OH)

My wife took my XXXX daughter to XXXX to get her ears pierced. My wife paid with her ( wife 's ) discover card. The only information provided to XXXX was my daughter 's name, our address and my wife 's name on the permission form to get my daughter 's ears pierced. Two weeks after that we received a letter from Comenity Bank stating they turned my daughter down for a credit card. They state in the letter they are the bank for XXXX credit cards. Neither my wife nor my daughter filled out any credit card application. We are concerned about what personal information for my daughter they might have. We are also concerned that they ( either XXXX or Comenity ) are doing something fraudulent with credit card applications. The letter does state they were not able to determine any credit score for my daughter. I hope this is because all they had were a name and address and were not able to get anything like her SSN.