davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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: CBC Companies, Inc. (TX)

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one has XXXX accounts that I am a signer on. Cards ending in XXXX and XXXX. Neither of which are reported to XXXX XXXX XXXX XXXX. My wife is a signer on my main capital one account and she has my cc history reporting on her credit reports. Capital one also isnt reviewing me at all for a credit increase Ive been with them for over XXXX years my income was around XXXX per year then and Im now at XXXX per year Im supposed to be reviewed every six months. I have never been reviewed my credit line still stands at XXXX which is the same for the past 12 years. My wife used my credit history to be approved for a capital one venture card which she was approved for. I have a higher credit score than she does and the same credit history but capital one denied me. I am being discriminated against by this company.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XX/XX/2023 I maiiled a notification to XXXX XXXX XXXX requesting that they remove an account that is not mine from my Equifax and XXXX report.as it is hurting my credit and preventing me from work opportunities. I explained that I do not and have never had an account with them and that I do not have an agreement or contract with them or their creditor and requested a copy of the original contract.with my signature at the address listed on their posted collection on my credit report. They did not respond or send me a contract with my signature.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (AZ)

I have reviewed my credit reports and have found that I do not recall having an account with Ad Astra/XXXX XXXX. I have previously disputed this account on my credit report to no avail. This most recent dispute was on XX/XX/XXXX. I wrote them a letter requesting validation of the debt. I cited the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) in hopes that they would take me seriously. Unfortunately, as before, they don't. On XX/XX/XXXX I  received documents in the mail that include information from the original creditor, XXXX XXXX. There is also what appears to be a generic " Multi-pay Loan History '' typed up on 5 pages. 

There is NOT a signed contract. In fact, there's not even a contract at all. I know that a spread sheet of sorts is not sufficient to have something placed on my credit.
Consumer complaint received 2023-09-27
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-30
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (AL)

On " XX/XX/2016 '' I purchased Identity Theft Protection. 

My member number is " XXXX '' and my order number is " XXXX '' Unwanted advertising and it was hard to turn off credit monitoring, as well as problems with canceling thr account.
Consumer complaint received 2023-10-12
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. (PA)

I previously notified Experian that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this done.
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CO)

Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a XXXX over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (VA)

Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.
Consumer complaint received 2018-05-07
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: JPMORGAN CHASE & CO. (IN)

Chronic 'disputed ' credit card charges on Statements and my online account from my XXXX Chase Bank Card of resolved disputed/unauthorized use by XXXX of {$89.00} on XX/XX/XXXX or XX/XX/XXXX, & again an alleged charge on XX/XX/XXXX by same company. 
Each time I receive a call from Chase or see charges on my statements, regardless of the resolved disputed/unauthorized charges, I have to keep disputing ( this same charge has been happening for five months now, as this 2x 's resolved charge from XXXX of {$89.00} keeps reappearing on my statements ). 
I have already received two ( 2 ) letters from Chase Bank Card Services telling me my dispute for the unauthorized {$89.00} charge from XXXX has been 'RESOLVED ' : *1st Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX charges, and *2nd Unauthorized Charge Dispute 'Resolved ' letter of XX/XX/XXXX for XX/XX/XXXX ; *both of these disputed charges are from the same XXXX company and all appear to be near the same date. 
Regardless of letters proving the disputed company 's fraudulent charge has been resolved, it keeps showing back up on my statements with a different date. 
I'm wondering if the company, XXXX, is fraudulently charging my account on all these dates, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX of {$89.00}, or what is going on at Chase Bank Card Services. 
Despite these charges, I have never received anything or product from the charge, nor did I authorized any use of my credit card from disputed charge companies. 
Also, be aware that the XXXX Chase Bank Card account has done this to me before, with an unauthorized charge of {$39.00} from XXXX XXXX   back in XX/XX/XXXX that was disputed and resolved. This disputed & resolved unauthorized charge kept getting placed back on my charges statements to the point that I paid the fraudulent charge to save my credit. 
I'm not going to have to pay for fraudulent charges to save my credit again. 
I will greatly appreciate some help, and a look into this chronic disputed & resolved then charged again matter on my XXXX Chase Bank Credit Card. 
Thanks
Consumer complaint received 2023-04-09
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. (NC)

am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (CO)

On XXXX XXXX I received a phone call customer service number from chase saying my debit card was being compromised. Then they text me a link from chase and the person went into my account and did 3 wire transfers and me as a customer that same.day i.notify chase fraud department and went into a branch. XXXXhase refuse to.denied my claim and did not help.me.with this claim.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-10-12
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: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete this account.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-27
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. (SC)

The reason for this complaint is because my credit was pull multiple times for the wrong reason! Need these off my credit report asap! 
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 2023-10-12
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX XXXX my money market account was hacked by a scammer and then again on XX/XX/23 I thought I was talking to the Capital One Fraud department since I was transferred when I called the number on the back of my credit card to report the fraud. It was an elaborate scan which I did not realize until the money was gone. I since have reported the fraud to the local police, the FBI, the DOJ, the Secret Service, the SSA, XXXX, plus all the credit bureaus. Capital One only tells me " its being investigated '' but this has been going on for over a month and the DOJ suggested that I contact the CFPB. The account is supposed to be insured by the FDIC and there should be protection against innocent people who get scammed.
Consumer complaint received 2021-08-05
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 (NY)

Paypal is holding my {$720.00} balance and won't let me have my funds. 
I have contacted them first around XX/XX/21. 
That initial day, I spent over 2 hours trying to get assistance over the phone. I spoke with the following Paypal folks starting at XXXX XXXX EST XXXX - Employee XXXX XXXX - Employee XXXX XXXX - Employee XXXX I have opened a XXXX  case, I have called multiple times. 
I have uploaded proof of the XXXX transaction that put that {$720.00} balance in my Paypal account. 

I have sent countless messages to Paypal and no one has been willing to call me or to release my funds to me and it's been months now. 

I have asked Paypal for the recordings of the phone calls and they haven't sent them. 

It's all been very frustrating. Paypal is keeping my money from a Phone sale for months and they won't even tell me why or communicate with me. I just get repeated vague and generic responses. 

I'd love some assistance and would really love my money. 

I have earned Paypal thousands of dollars over the years and it's mind boggling to be treated this way. 

I'm including a picture of the actual Paypal transaction where the buyer sent me the money for the phone. 
I'm including a picture of the XXXX transaction where the buyer gave me a positive rating. 
I'm including a picture of my XXXX rating which is stellar just to give a sense of who I am, how long I've been selling products and that I have an impeccable reputation. 

So what's Paypals ' beef with me? 

I don't think Paypal should be allowed to seize customers funds for no proven reason. 
I feel like they made me guilty without a trial and are completely unwilling to find a human on the Paypal side to communicate in a real way.
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

I recieved a letter from I.C. Systems Inc. claiming to be a collection agency XX/XX/XXXX. I never owed XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX ) XX/XX/XXXX as claimed. I went to the gym to start a membership however they charged my credit card without my knowledge, I disputed with my credit card and the charge was removed. I never recieved any other information regarding this transaction and never went back to the gym. This is a fradulent claim that I owe {$530.00}. The owner of the gym is dishonest trying to take advantage of people looking into gym meberships.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: XOOM CORPORATION (NY)

My Xoom account has been hacked and an unauthorized amount is drawn from my linked bank account. The hacker initiated a transfer from my Xoom account on XX/XX/2023, XXXXXXXX XXXX XXXX  When I saw the transaction email from Xoom in the morning, I immediately ( at XXXX XXXX ), I notified them via email that this transaction is a hack and asked for their help ( case # XXXX ). I think the case number is generated automatically and Xoom never contacted me about the Fraud complaint. I was trying to reach them over the phone to take immediate action to prevent the fraud, but it took many attempts and finally talked to their customer service department to stop taking money from my bank account. They did not stop the transaction although although I complain the immidiately about the hack. I was panicked but Xoom did not take the fraud seriously and they took my money from bank account on XX/XX/XXXX. I did not receive any response from Xoom about the fraud so far. I think the whole Xoom service is a fraud, and they are not taking the hacking seriously!!!! Hope this is not happening to another consumer. Xoom should immediately fix their system so the hacker can not break their system to steal money from other consumer money. Xoom should return my money immediately and I'm asking CFPB to please investigate this hack ASAP to prevent this to happen to another consumer.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.