davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

Summary I paid for a 10 hour event but only managed to get into the event 1 hour before its closure. The organizer is not responding to my refund request and my bank refused to open a dispute. 

Details I paid {$600.00} ( two charges of {$300.00}, one on XX/XX/XXXX and the other on XX/XX/XXXX ) for XXXX tickets for XXXX XXXX XXXX XXXX XXXX XXXX music festival that took place on XX/XX/XXXX with my Chase credit card. 

XXXX was supposed to be a 3-day event from XX/XX/XXXX to XXXX. After canceling the first day of the event on XX/XX/XXXX, the organizer pushed back the event start time from XXXX to XXXX on XX/XX/XXXX. Upon arriving at the venue around XXXX, I was told the only way to get my ticket was through the XXXX XXXX tent, which had an extremely long line. 

After waiting for 3 hours without food, water, or restroom, two of my friends left and never got their tickets. I waited in line for 4 hours with another friend to get our tickets and by the time we got into the venue it was past XXXX and the event would end at XXXX. I essentially got an one hour experience after paying for 10 hours. 

This is clearly unconscionable trade practice based on the NYC CONSUMER PROTECTION LAW, which defines unconscionable trade practice as Any act or practice in connection with the sale, lease, rental or loan or in connection with the offering for sale, lease, rental or loan of any consumer goods or services... which results in a gross disparity between the value received by a consumer and price paid, to the consumer 's detriment. 

The event organizer never responded to requests for refund from me and my friends and the credit card company Chase refused to open a dispute on my behalf.
Consumer complaint received 2022-12-05
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)

Account XXXX XXXX XXXX XXXX  Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX  Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX  Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I did a wire transfer on XX/XX/XXXX of {$15000.00} from my Wellsfargo bank account to a XXXX XXXX XXXX recipient. The account and counting number was accurate however the beneficiary name used in the transfer was XXXX XXXX ( Business Owner ) instead of XXXX  XXXX ( Business name ). I reached out to Wellsfargo to make the amendments on XX/XX/XXXX. I was told it will be done and the recipient will get the Money by XX/XX/XXXX. I called XX/XX/XXXX to open a case and requested a refund Claim # XXXX, I was told it will take XXXX working days. I called on XX/XX/XXXX and XX/XX/XXXX and was told it would take XXXX business days which was a different information. I said okay. XXXX working days was XX/XX/XXXX. I Called again - still no update I was told it was assigned to someone XX/XX/XXXX and no update. I walked into the branch on XX/XX/XXXX still no update. My wire transfer fee of {$25.00} was refunded XX/XX/XXXX but my {$15000.00} was not refunded. I called again XX/XX/XXXX and was told they are busy and do not need to look into the file until its the XXXX working day which to the representative started counting on XX/XX/XXXX when he received the file not when I opened the case. I said okay so where is my money? he said they need to investigate, I said what have you been doing since I opened the case? he said hes been busy, today XX/XX/XXXX I Finally got an official communication telling me they do not have an update and they need time to investigate I should give them another XXXX business days which will be XX/XX/XXXX. This delay has cost me loss in my business, emotional stress and discriminated against because I am XXXX. I would like to hold Wellsfargo accountable.
Consumer complaint received 2023-09-07
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. (CA)

I hope this letter finds you in good health. I am writing to report a serious matter of identity theft that has recently come to my attention. It has come to my knowledge that my ex-husband, has unlawfully stolen my identity and opened fraudulent accounts without my consent or knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am providing this information to you with the intention of taking immediate action to rectify this situation and to investigate the identity theft incident thoroughly. I did not authorize or have any knowledge of these accounts, and I have never conducted any business with the aforementioned institutions or individuals on these accounts. I believe my personal information was used fraudulently to establish these accounts, which is a criminal offense.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and UNVERIFIED. These accounts have violated my rights! ( XXXX XXXX XXXX  ) ACCOUNT # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!! 


FIRST OFF ..THIS COMPANY IS FRAUD!!! THEY CANT VALIDATE THE DEBT BECAUSE ITS NOT MINE!! 

XXXX XXXX XXXX is not XXXX XXXX XXXX XXXX XXXX XXXX  accredited. It has a XXXX  rating of XXXX and a star rating of XXXX from XXXX recnt customer reviews. Their XXXX rating is XXXX from XXXX customer reviews. The complaints from these platforms include : Dealing with unprofessional representatives Failure to validate debt after sending a Debt Validation Letter Wrong debt entry to credit report Being contacted for a debt that has been previously paid
Consumer complaint received 2023-09-12
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. (IN)

Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXXXXXX XXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness.

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7. 

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ).

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well.

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed.

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
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: Bread Financial Holdings, Inc. (GA)

These inquiries have been added to my credit report without my authorization! 

XXXX XXXXXXXX XXXX XXXX COMENITYXXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Consumer complaint received 2023-09-12
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: CITIBANK, N.A. (GA)

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

On XX/XX/2024. I received an alert from XXXX that a new account had been reported on my XXXX Credit Report by the company AFFIRM INC for {$130.00}. I have just been a victim of fraud activity with my Bank. XXXX XXXX  XXXX XXXX ). And when I called XXXX  XXXX XXXX, I was told that these individuals who had access to my information, had my name and social security number and had attempted to open a credit line with my name. XXXX  XXXX XXXX took care of the situation. A few later, I received an alert from XXXX that a new account had been reported on my XXXX Credit Report, by AFFIRM, a company I have never used or heard from.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2023-09-12
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT ED/XXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT ED/XXXX  XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

In one month my account was fraudulently hacked and withdrawn for XXXX and the bank is saying some were authorized and the other was denied to to time frame in which was not even 10 days WELLS FARGO BANK
Consumer complaint received 2023-09-12
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # A XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2021-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These inquiries have been added to my credit report without my authorization! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I disputed them and they remain on my credit report!
Consumer complaint received 2023-09-12
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: AMERICAN EXPRESS COMPANY (GA)

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (IL)

I have my Mortgage with PHH Mortgage, I escrow my insurance and taxes. I noticed in XXXX that they took out more for my taxes than the amount owed on the bill. I checked online with the county assessors office and my bill had not been paid. I have called PHH several times since XXXX and they refuse to let me speak to anyone in the escrow department. I called the county assessor again and they told me no payment has been made on my taxes. They finally made a payment of the correct amount of the first installment but not the second installment and there is now an interest charge added of {$190.00} and my escrow account is still missing the original payment of over $ XXXX have been given the runaround when I keep asking where my money is. When I ask to speak to someone in the United States they tell me know one is available and put me on hold and then disconnect me.
Consumer complaint received 2023-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (SC)

Fortiva overcharges on interest and maintennace fees. They also do not want to renegotiate terms with people who have their accounts in better than good standing, like me. Here is a link to some of the outrageous fees and rates they charge : https : XXXX 

I only opened it to re-establish credit/improve credit. I am on XXXX and want to have a card in case of emergencies, and don ; t want to pay {$150.00} per year just to have a card open.
Consumer complaint received 2023-09-12
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. (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 2023-09-07
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (SC)

On XX/XX/2023 XXXX XXXX XXXX requested that the debt collector in question please send me a copy of the Validation Notice with all original documents with my Wet signature which to date XXXX XXXX XXXX never received. 
On XX/XX/2023 XXXX XXXX XXXX sent a response to the debt collector to please Cease and Desist all calls to me for I do not confirm or acknowledge this debt. For which to date I XXXX XXXX am still receiving threatened text, email and calls to my self and family members.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.