davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CHARLES SCHWAB CORPORATION, THE (NV)

I transferred XXXX to an account owned by my friend and possible business partner due to fraud I was experiencing on my accounts. 
The amount of XXXX was supposed to be wired to a new account once I moved and opened the new account within a few days. 
The banker named XXXX XXXX XXXX at Charles Schwab sent me personal text messages attacking me and telling me that she told me that she told my friend XXXX XXXX not to do business with me. I do not know this woman. She defamed my character and then she told me that she took XXXX from my money and invested it somewhere else for XXXX months. She would not tell me where and she refused to return it. When she was told to wire my money she refused to wire it to a new account and refused to wire it until she had time. She instilled great fear and distrust and stole my money.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX I noticed fraudulent charges on my Chase Checking account with XXXX and XXXXXXXX XXXX. I do not use XXXX or XXXXXXXX XXXX and did not authorize these charges or received these goods or services. My account was compromised. I called Chase and they opened a Dispute Claim and provided me with credits to refund for the unauthorized charges, which was well over {$1000.00}. On XX/XX/XXXX I saw that all the credits Chase provided was reversed, they said their claims team needed proof that I did not authorize these charges and reversed the credits. I was never contacted by anyone at chase to provide further verification that these charges were unauthorized. How can I prove I did not order XXXXXXXX XXXX  or use XXXX if I don't use the app? Chase is refusing to re-open the claim and said they will continue to allow XXXX and XXXX XXXX to charge my card whether or not I authorize these charges.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX, has sent my XXXX XXXX bill from a service on XX/XX/XXXX to a debt collection agency, First Financial Resources Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. This has taken a hit to my credit score. However, the amount that is still continued to be billed to me is {$1400.00}, while my insurance, XXXX XXXX XXXX XXXX, has worked the claim in my favor to be reduced to {$290.00}. Even my insurance states that the Amount Not Allowed. The amount your provider billed for this visit that exceeds our network contract ; you do not owe this. Is {$1100.00}. XXXX XXXX XXXX, does not honor the correct amount and this information is also not relayed to the debt collector, First Financial Resources Inc.

I have been in regular contact with my insurance since the incident. The current date is XX/XX/XXXX, so this has spanned over XXXX XXXX XXXX XXXX XXXX. After much hassle, my responsibility was reduced to {$290.00}. I am still getting sent bills for the amount I SHOULD NOT OWE. The most recent bill on XX/XX/XXXX, sent by a debt collection agency, XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, still has the incorrect amount listed.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Foursight Holding LLC (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I just looked at my consumer reports and noticed a late payment on an account 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 possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : Capital One : [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX It has been over the XXXX response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. Also, LVNV Funding reopened a closed account for no apparent reason. This account should be deleted immediately. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the XXXX time frame. ) ) Thank you.
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I am not exactly sure what type of debt this is because the person is never clear about what I owe and what for. This company has contacted my employer several times and I have since moved to another department with the same company and they leave messages the people in that department. My coworkers clearly know this is a debt by them repeatedly calling. They also called my boyfriend 's number, and I am unsure how they received his number as I do not provide it for anything. His number is XXXX XXXX XXXX and they called him on XXXX XXXX. They have repeatedly called him XXXX  and left a voicemail with mine and his name on it saying that it is an urgent matter. He was at work and had to take a break as he thought I was in danger. My number is XXXX XXXX XXXX. They called my new job on XX/XX/XXXX. This is the main number they call from XXXX. This number is unable to be traced through XXXX. I don't know these people and wish they stop harassing me. They call from various spam numbers throughout the day from all over Mississippi. Please tell them to stop calling my job as I have informed them a few months back about that matter. They definitely do not need to try and find someone associated to me and call and harass them as they are not responsible for my bills. I don't know what these people want but they are going to make me get suspended from my job with a possible bill collector calling harassing all the time to each department I have ever worked.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (CA)

Back on XX/XX/XXXX I started a membership with XXXX XXXXXXXX that was for a month-to-month non-contract membership. It was to be taken from my checking account. The first payment I made was for {$39.00} on XX/XX/XXXX. The second payment was a month later on XX/XX/XXXX to continue my membership. Three days later on XXXX XXXX XXXX They made a charge of another {$39.00} as it is for one of there upcoming fees. On XXXX XXXX XXXX  they made another charge for {$72.00} as it was an enrollment fee. On XX/XX/XXXX another payment of {$39.00} was charged. On XXXX XXXX XXXX  another {$39.00} was charged and again on XXXX XXXX XXXX  {$39.00} was charged. During the month of XXXX, I went to XXXX XXXX in person and spoke with a manager about canceling my month-to-month plan. I then filled out a cancellation form. I was told there would be no hidden fees or penalties. After the month of XXXX I stopped seeing money being taken out. 
Now, during the month of XX/XX/XXXX I received a letter by mail, claiming that I owed money to ALDOUS & ASSOCIATES for an unpaid debt. I sent a letter back trying to dispute the charge. Today I received a call from them claiming that I owed money and would be reported to credit agencies if the debt went unpaid. I would like to dispute this charge because I do not have any debt with them. Thank you.
Consumer complaint received 2023-05-02
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. (WA)

I am requesting that this inaccurate account be removed from my credit report as it is not mine and is the result of fraudulent activity. I implore you to take appropriate action to rectify this situation.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous.Equifax bureau was required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$1000.00}.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-03-25
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. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-09
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: William D. Meeker Enterprises, Inc. (FL)

To my knowledge, I have not signed any documents authorizing XXXX to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I requested any documentation bearing my signature if they had any that authorizes them to make inquiries into my credit report. 

They admit they did not have one.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NY)

I cant reach customer service at Barclays bank. I did not approve a charge of {$55.00} on my credit card and yesterday customer service at Barclays Bank put me on hold for 3 hours and 15 minutes. I finally gave up and hung up the telephone. Today, I have waited over an hour on the phone and I am still on hold. 
Barclays customer service XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is on my personal credit report. I am a member in a partnership XXXX. This account is on my personal credit report and I never agreed to that. The account is current, but it should not be on my personal credit report. Our XXXX  company has other company credit cards and no others appear on the member on the XXXX. This removed from my credit report before, now its back on. Please remove it.
Consumer complaint received 2024-01-10
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: WELLS FARGO & COMPANY (MS)

I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Wells Fargo BankXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE ITEMS IN MY CREDIT REPORT FILE ARE UNAUTHORIZED ALL IS BEING INVESTIGATED BY THE FTC. THE FOLLOWING INQUIRIES ARE ALSO UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, linked to the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (NJ)

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the Law offices of XXXX XXXX XXXX and associates. 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as Chase now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/XXXX I requested a debt validation letter form RENTDEBT AUTOMATED COLLECTIONS as a result of a dispute investigation that was performed and resulted in the result being verified as accurate. I called again on XX/XX/XXXX and requested a debt validation letter again and it was never received. I called in on XX/XX/XXXX to request the debt validation letter and the company stated that it was sent out via mail on XX/XX/XXXX but because XXXX XXXX name was input incorrectly it prevented me from receiving the document. After reading the FCRA 15 USC 1681 ( a ), I now realize that credit reporting must be fair and accurate. Sub Section XXXX, states that consumers have the right to privacy. My privacy has been grossly violated and this company is party to libel, slander, and defamation of my character. They are reflecting a balance of {$19000.00} and has reported that information to other companies including tenant screening companies, consumer reporting agencies as well as major consumer credit reporting bureaus such as XXXX XXXX and XXXX. This has heavily impacted the pursuit of happiness and is not fair or equitable to me in any way and the deletion of this debt is eligible under the FCRA rules.