davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (IL)

XXXX, XXXX and TransUnion continue to report negative information on my credit files. The inaccurate and incorrect information being reported by XXXX, XXXX and TransUnion is a result of the XXXX XXXX XXXX from XXXX. Some unknown person ( XXXX ) has stolen my identity several years ago and this has affected my credit for several years. I have continuously disputed and have tried to get the XXXX aforementioned credit reporting companies to remove/delete this inaccurate and incorrect information from my XXXX credit files. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts and I want them Reinvestigated and removed. This negative inaccurate and incorrect information is affecting my ability to obtain credit, employment and apartment.
Consumer complaint received 2017-03-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I have been with Chase bank for over ten years, and have had mobile alerts set up for a few years, so every time my balance goes below {$400.00} in my checking account I am alerted and can transfer funds from my savings to my checking. Over the last few months, I have not received any alerts, in XX/XX/XXXX I was charged XXXX insufficient funds fees of {$34.00} each. I called chase and they reversed the funds. I explained I did n't receive the text alerts, but I maybe missed them for some odd reason. I did n't investigate further as they refunded the fees. Yesterday I went to make a rather large payment and decided I should look at my account before doing so, to ensure I had the funds. I found that my account balance was overdrawn by over {$1000.00}. I had not received a single text alert to my phone. I immediately transferred money from my savings to my checking and brought my account balance up. Then I called the customer service at Chase to get these fees refunded, as clearly their text messaging system was n't working. When I called they were only able to refund {$100.00} of the {$640.00} they had charged me over the past few weeks, and when I asked them to tell me what number they had for text messages they gave me the correct cell phone number. I now have to go to a bank and speak with the manager to see they are willing to refund the remaining money, as the customer service on the phone said they have refunded all they are allowed to refund. After I hung up with the customer service manager I went onto my account to check my alerts, and mobile alters were no longer set up and something called XXXX was put in place. I had never set this up. I restarted the mobile alerts so this hopefully wo n't happen again, however, I am sure I am not the only person this has happened to and I might not have caught this had I not checked my checking account for this specific larger transaction that I was charging to the account. I expect if Chase has done this to me they have done this to many of their customers, resulting in more profits for them.
Consumer complaint received 2023-06-06
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. (AR)

I reviewed my consumer reports and I noticed that I had 4-5 late payments on my accounts that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments are late.if proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to inform credit bureaus I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any erroneous accounts. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened my bank of america account back in 2021, I've been a victim of Identity theft and stolen checks were deposited into my bank account. They were deposit through ATM in XXXX XXXX I do n't drive and I'm not even allowed to leave New Jersey without my parents consent. The bank have security cameras and they are able to see that I wasn't the person depositing the check but they still don't want to clear to open a new account. I've submitted a claim to start an investigation and have my name clear to not ruin my background with the banks. I've never had any issues with fraud or other similar situations. I'm asking for help to clear and straight things up. I'm about to start to college and I need to have a bank account for financial aid purposes, I also needed for work to get pay. Please help
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX XXXX not paying for their mistakes i have letters and asked for a fix
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

THEY did reissued me a new card but when I tried to use it they declined a purchase at XXXX XXXX for XXXX yet they claimed the card credit line was over 4k. they have been monitoring the card making it impossible for me to use. I am done with Discover card I no longer uses it. this is a clear case of Discrimination for what reason I don't know... .then they said that they was gon na report my info to all three credit bureau as fraudulent I dont know wither to seek legal counseling against this wicked company..or just don't do business with these clowns ......
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (NY)

This year I attempted to pay my debt owed with a reduced amount offered by a debt collection agency. I paid on XX/XX/ an amount of {$420.00}. months have gone by and I see my debt is still on my credit. The Email receipt as well has another name that's not mine, It says XXXX XXXX. I dismissed this as a mistake in the past. When I call the company they can't find my account which does not make since I accessed my account through the online platform with my social and the last 4 digits of the account I owed. They said they would return the amount paid because it seems it went to another account but that has not happened yet.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IN)

Today XX/XX/XXXX I received the outcomes of XXXX disputes that were reversed for the XXXX time to the merchant. These disputes were filed in XX/XX/2022. They were for XX/XX/2022 and XX/XX/2022. I filedXXXX disputes in XX/XX/2022 against the same merchant. I have had XXXX disputes ruled in my favor. So dont know how I still have XXXX left. I called them today to reassert XXXX of them. I have never received the receipts for them. I have called 5 times today and either was transferred and put on hold for half an hour or longer and no one would pick up so I had to keep calling back. Finally they answer and they are unable to send the receipts. Worst customer service ever. I have sent every time that I have reasserted these disputes the same evidence that I sent for the XXXX that was ruled in my favor. The evidence was good enough for XXXX so what is the problem now? I know its called harassment, maybe revenge? I am sick of this mess and have been dealing with it for a year now. You owe me {$17000.00} from the disputes that were ruled in my favor. My account has never been credited for all of them. Take the money for these last disputes from what you owe ME. You are the most corrupt bank I have ever seen. You will not get another dime from me. I did not authorize any of the disputes and I never gave that merchant my card number, password, PIN number or CVV number. I dont use Face ID or fingerprint ID. The IP address on the merchants evidence is not mine. I have sent you proof .Your bank authorized these transactions on a name and address!! I have researched this merchant and they are corrupt and are located in XXXX the most corrupt company in the world. You need to be shut down from your corrupt business practices. You have thousands of complaints for the same reasons that I am having. You are ruining the Apple name. You do nothing but lie and steal from the consumers. I will fight this till the day I die. I dont give up easily and I DO NOT PAY FOR FRAUD. I demand that these disputes be taken to XXXX Arbitration.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (OR)

I received an email from XXXX notifying me of a " new account '' on my XXXX report ( approx XX/XX/XXXX ). I didn't see this email until early XXXX. Only saw it because I saw a huge difference in my XXXX report compared to XXXX and XXXX ( almost XXXX points lower ). Around XX/XX/XXXX I contacted XXXX and filed a dispute on the new account. I also called the reporting creditor ( WAYPOINT RESOURCE GROUP LLC, XXXX ). 

When I called Waypoint Resource Group I was immediately asked for my SSN. I said " I will not provide this information as I already suspect a fraudulently filed collection account from your company. I would like to request some documentation of this '' They transferred me to the right department, because the first person only worked with XXXX, and mine was XXXX. Upon transfer the first question again was for my SSN. I said " I will not provide this, but I can answer other questions for you '' I provided my name and then she asked a series of identifying questions which I answered yes, yes, yes. then she said an address I didn't recognize. I said what is the city? She said somewhere in Ohio. " Nope, that's not me, I have never been to Ohio in my life, and I have no accounts with any business in Ohio. Can you tell me how old this account is or provide me with some more info because it shows to be a high credit limit of under {$300.00} but the collection report shows over {$2000.00}. '' This is when she hung up on me. 

10-12 days later I get another email from XXXX. This time the item from WAYPOINT has escalated from " new account '' to " delinquent acccount ''. I contacted XXXX again to inquire. They said the dispute was " closed '', meaning they have dismissed my dispute. Also told me I could " re-dispute ''. I said yes please, and I told the chat representative I believed the reporting business to be fraudulent and relayed my experience when calling them. She provided me a dispute file number and ome other info how I could provide documentation ( which does not exist due to me having NEVER done business with this company ). They also gave me contact info for WAYPOINT RESOURCE GROUP LLC ( which was also WRONG ) When I called the phone number there was a message to call a different number. When I called the number provided I had basically the same experience as the first time. " What's your SSN '' ( not provided ). Let me transfer you to the XXXX team. " What's your SSN '' ( not provided ). This time however they wouldn't even look up the account. I said I was trying to get some documentation on the account they had filed against me, provided my First and Last name only. She asked my address I said I don't know the address you have on file because I have never lived there. Then she hung up on me. 

I believe WAYPOINT RESOURCE GROUP LLC is fradulently filing collections on people and they need to be investigated. XXXX is not doing their job of investigating them.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to XXXX XXXX, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NJ)

I've discovered that over the previous 2 months, my XXXX XXXX through Wells Fargo has charged 2 bogus interest charges & 1 bogus late fee. I just spent one hour on the phone with Wells Fargo to discuss, and I'm extremely dissatisfied with how it was handled, and I have reason to suspect this may be another institutional fraudulent activity that Wells Fargo may be undertaking. Essentially, Wells Fargo appears to be trying to steal from me by charging interest at the DAY the billing cycle ends, instead of the payment due date the following month. Here is the situation : 1st : billing cycle from XXXX I paid my balance in full XXXX on XX/XX/XXXX, for a bill with a payment due date of XX/XX/XXXX. I got charged interest onXX/XX/XXXX of {$74.00}. Interest was charged for the month, EVEN THOUGH the bill wasn't due until XX/XX/XXXX, AND totally ignoring the fact that I paid in full on XX/XX/XXXX ( and paid in full every month prior ). This bill shows an interest charge of {$74.00} on a balance of {$0.00}. What's incredibly disturbing about this is that, after investigation, the person I spoke with said the interest was charged on an amount of ~ {$3500.00}, and that doesn't tie to ANY balance from the month. It seems abundantly clear they charged an arbitrary amount to my account. 

2nd : billing cycle from XXXX : I didn't pay off this card early, so the ending balance for the month should be {$4400.00}. Instead, the balance includes {$74.00} from the bogus interest charge in the prior month, a late fee of {$29.00} on XX/XX/XXXX for failure to pay my interest charge from the prior month, and a NEW interest charge of {$93.00} charge onXX/XX/XXXXXXXX the DAY the billing cycle ends, even though the bill clearly shows that payment is due onXX/XX/XXXX. And once again, the interest charge was calculated on a bogus arbitrary amount that doesn't tie to ANY balance at any point of the month, The first rep I spoke to kept trying to educate me that interest is charged when payment is late, but refused to understand the situation that was taking place. After escalating ( though refusing to do so at first ), the next person I spoke with at least seemed to understand the situation with the bogus interest charges, but spent some time refusing to escalate a reversal of my late fee, which was assessed for not paying a bogus interest charge. Currently, this situation is under review with a " conflict resolution specialist '' and I am not hopeful at all that this will get resolved. I'm so upset that they are clearly trying to rob me, and the folks I spoke with were unable to give me a reasonable explanation of the charges at all.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.