davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-01-05
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX have 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 2024-01-08
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. (MI)

I acknowledge your efforts in addressing some of the inaccurate entries on my credit reports. However, I have observed that several fraudulent items persistently remain in my credit history. I kindly urge you to expeditiously eliminate these items from my credit records. Enclosed herewith are the specific details of the items requiring removal from my credit reports as per the respective bureau : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX  Balance : {$910.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  Balance : {$140.00} -- -- -- -- XXXX XXXX -- TRANSUNION : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Balance XXXX {$870.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XXXX : XXXX Date Reported XX/XX/2016 Reference # : XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Davis & Jones, LLC (FL)

We initially hired XXXX for what was supposed to be a 90-day project, but it escalated into a nearly two-year ordeal. The company failed to follow instructions, misrepresented its qualifications in high-end design, and produced work that was subpar and amateurish. Despite exchanging over XXXX emails, the situation remained unresolved. 

I gave them a final 10-day notice to deliver a quality finished project as initially promised, or we would cancel the project without further obligations on our part. Early into the project, they admitted to being unable to work with the API and struggled for months, draining all passion from the project. They made unauthorized changes to the design and backend technologies, compounding the issues. 

Their continued marketing communications claim satisfaction with a project that was never completed, and now they are seeking payment for unfulfilled services, constituting a breach of contract. The project manager eventually agreed to terminate the project due to their inability to fulfill their promises. This was mutual. 

In my view, this company 's behavior borders on fraud. We have formally reported them to the XXXX  Government for a misleading sales contract and failure to deliver, with XXXX and XXXX now involved on our behalf. I would also like to point out they hired Davis & Jones , LLC, and in their emails, it is an unethical process. 

From XXXX XXXX, XXXX Litigation Coordinator " It would appear that our client was defrauded deliberately. Has this company thought this through, are you confident that commercial collection law does not allow for suits, liens, or judgments? I'm almost confident that our client wants us to look into the best course of action and make our recommendations as such. I know this because i received an Email from them asking what the best course would be because they want this off their books and in their Bank. We may start calling your other creditors, vendors and Doners to determine your ability to pay this debt. We may also recommend to our client that we outsource this case to our network of partner law firms, which could potentially double the amount owed. '' They are free to pursue any claims, but they should be aware that their chances of success are slim given their repeated breaches of contract and admitted write-off. In the XXXX min XXXX sec, on Thu, XX/XX/year>, XXXXXXXX XXXX, with XXXX, he agreed on the recorded call to close the matter and wouldn't contact us further for this amount.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XX/XX/2022.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (VA)

I have a debt of {$230.00} reported by Cedars Business Services , LLC on my XXXX XXXX which they claim is owed to XXXX XXXX. I have never opened an account with XXXX XXXX and believe this debt is inaccurate. 


Reference Number : XXXX Creditor : XXXX Account Number : XXXX Amount Due : {$230.00} Under XXXX XXXX Code XXXX, XXXX requested debt validation from Cedars Business Services , LLC, but have not received adequate proof that the debt is mine. 
XXXX XXXX. 
Code XXXX mandates that credit information should be accurate. Reporting a debt for an account I never opened violates this requirement.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 2024-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year> XXXX XXXX XXXX debited our account {$540.00} because of a credit card dispute which was decided in our favor. 

Shortly after the exact amount ( {$540.00} ) was taken out from our account for a second time on XX/XX/year>. XXXX never explained what the reason was other than Credit Card charge back. XXXX did not reveal any details about this charge back but we provided the service that the guest paid for. The {$540.00} were taken out from our account for no reason. 

Wells Fargo stated that they cant do anything about it. We did not authorize the transaction.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Synovus Bank (CA)

Over the past year I have been trying to get First Progress to resolve the fraudulent charges on my credit card. Anytime I have called I can't reach the fraud department. I reach the first representative that can't help me and that's as far as it goes. I filed a police report last year in regards to other fraudulent items. That's when I found out about these charges to my first progress card. I have filed a complaint with the XXXX XXXX XXXX and XXXX in regards to this.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I had been charged multiple over-draft fees in the amount of {$400.00} for the account XXXX in the past 2 months. Over a {$1000.00} in total since XX/XX/year>, XXXX XXXX without an active overdraft agreement covers charges over {$100.00} over drafting account instead of simply denying it. Then it applies overdraft fees {$34.00} dollar fees to each small transaction of XXXX, XXXX or XXXX dollars where based on their current advertising even without overdraft agreement they pledge to cover charges up to a {$100.00} without overdraft fees for a few days until customer deposit funds to cover it. If they would have covered small amounts I would not have kept getting overdraft fees and spending all my earnings on covering them. ALSO, some of the charges they covered were from disputed, unauthorized transactions or collection transactions which I couldn't afford to pay at the moment.
Consumer complaint received 2024-01-07
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. (FL)

I have reached out to Transunion to provide accurate documentation to prove these accounts belong to me but they have not. I have reached out to the collectors and they themselves can not provide proof so how is Transunion getting their " accurate '' information from. At this moment Transunion is giving me the run around and I am pleading for help from you.
Consumer complaint received 2023-07-18
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: CITIBANK, N.A. (MN)

Purchased several products : they did not get me my products or issue returns on my card when they didnt get me the products. I am stuck with bills and credit card slips that arent making sense and XXXX Ive paid in debt that I can not understand on receipts.

Home Depot said they would resolve this and even offered a settlement amount which I didnt agree to the amount, but they havent even followed through with that. 
I dont know what to do other then reach out to my government
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-10-25
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; UTILITY SELF-REPORTED XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$3600.00}.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX filing on account. That l don't. Ow .l refuse to make I believe this account was. Written up filed incorrectly by the car lot. Due to. no proof shown of account. .Ownership records. Payments history. reason I failed fraud alert Police XXXX union supervisor. instructed to file.police report, fraud XXXX. Filed CFPBComplaint dispute. Is taken over XXXX ( .no decision ) spoke to customer rep chased Morgan, chase rep couldn't provide officer. Me anything regarding this account. Police. Wrote up complaint against. JMBCB. Chase Morgan th is criminal offensive to place account on person records no proof they are the ownership on the account. Cause she Advise us those records were old accounts happened 2015. So she. Couldn't provide us any proof records. .why consumers contact me advice me this account was failed under XXXX. FAIR report act. about. That account my informations shown don't match ssn other individuals. she advised XXXX this account 2015. TransUnion credit report a contstanly request me in writing to recover disputed this matter. Letters. Attached CFPB down below since XXXX XXXX REQUEST Not to file.Another dispute l been instructed to file legal action possibly attorney request punitive damage Due to me being veterans affairs Due to Fraud alert. not safe plac documents Social security numbers. postal mail .Buy me being veteran all federal governments institutions has Been Alerts. l request chase banks to stop reporting. Until they have enough XXXX request TransUnion XXXX XXXX XXXX bank name. Listed under interrevenue listed under fraud accounts government officials
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian, & XXXX continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX MI  XXXX this is my only address any other address is incorrect and not deliverable by the United States Postal service. I have attached proof of this to this compl.
Consumer complaint received 2023-03-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had my credit card in my pocket while it was raining and it fell out. I then saw fraudulent transactions that were made on my lost credit card.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc (TN)

I am wanting to file the strongest complaint possible against PayPal. It has been the worst customer service experience of my life. As an overview, my XXXX phone was hacked and hijacked around noon on XX/XX/year>. Shortly there after the hacker got into my PayPal account and sold some stock and then used the money to make fraudulent transactions. I tried everything possible to alert and stop PayPal. I emailed, called, texted and chatted. I never received a response or any acknowledgement. The hacker / thief had changed the passcode and I had no access. They somehow opened a debit card, XXXX # XXXX. XXXX XXXX cvc XXXX. XXXX. ( I just received it in the mail ). I think the fraudulent transactions generated from that card. Evidently one or some of my attempts to communicate worked as I did receive 2 emails from PayPal denying my protest!! That has been the only communication. How is that possible? It was impossible to speak to anyone or communicate in anyway. I never requested a debit card. I never made any Bitcoin trades and I never made payments to XXXX. I NEED HELP. Thank you! XXXX XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (MO)

I recently tried to open a checking account at XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) twice and at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) once, but both banks denied my application. During my first time at XXXX XXXX on XX/XX/XXXX, the banker returned me a printed letter explaining that they couldn't approve my application due to negative records shown in my Early Warning Service consumer report. As a result, I ordered a free copy of my consumer report from Early Warning Services on XX/XX/XXXX. Basically, this negative record was about the " Closed for Cause/Purge '' status of my previous XXXX XXXX XXXXXXXX checking account because I didn't follow their bank policies. After sending all my supporting documents ( also attached below ) to dispute with both Early Warning Services and XXXX XXXX XXXXXXXX Fraud Department and proving that what actually happened to me was a check scam, I'm pretty sure this negative record has now been removed from my consumer report. Then, I tried to open a checking account at XXXXXXXX XXXX for the second time on XX/XX/XXXX, but the banker there denied my application again without clarifying the specific reason. I further tried to open a checking account at XXXXXXXX XXXX XXXX  online on XX/XX/XXXX, but I was rejected again. This time, they sent me an email clearly explaining why my online application was not approved, which is because of a higher-risk Early Warning deposit score ( XXXX ) with major impact factors included. However, given that my previous negative record should have been removed, this explanation still doesn't make any sense to me because all my present checking accounts are on a very good track without violating any bank policy. I hope XXXX XXXX can explain in more detail why they denied my second application. I also wish Early Warning Services could explain in more detail why my deposit score is so high, how to lower my deposit score, and when I can apply for a checking account in any of the seven banks that own Early Warning Services.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (UT)

I attempted to pay my balance on the American Express website on XX/XX/year> of {$2000.00}. The payment was returned the same day citing insufficient funds, despite the account I was attempting to pull from having {$2300.00} as an available balance. I was then charged a fee of {$250.00} for the returned payment on XX/XX/year>. I attempted the payment again on the same day. This time having {$2500.00} in the account. It was once again returned, and American Express charged me a {$29.00} return fee. I have recently attempted to pay my balance again, and I an waiting to see if it will be successful. On XX/XX/year>, I called to attempt to have those fees removed since the problem came from American Express rather than myself or my other bank. That request was denied, so I canceled my card with American Express.