davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (CA)

Almost {$3000.00} was taken fraudulently from my Wisely bank account. This was for rent and groceries. Almost my entire pay check. I called immediately when I saw the fraudulent transactions on my account. This was on Sunday, XX/XX/2023. The transactions originated form an entirely different state ( Texas ). I live in California and that's where my mailing address is listed with Wisely. I was told that the claim might be resolved within 1-2 days. Also that I would receive correspondence via mail about the claim within 5-10 business days. I called to follow up on the claim on XX/XX/XXXX. I was told that the claim would now take 30-45 days to resolve as it was under investigation. I called again on XX/XX/2023. They said the claim was still under investigation and there was nothing they could do. I called again XX/XX/XXXX on day XXXX of the business day period as I still had not received any correspondence regarding the investigation. I was told that it should arrive. Maybe Monday ( XX/XX/XXXX ). I was now told that the investigation could take up to 90 days. I've still received no money back, no correspondence and each time I call I get told different information. I asked if they could send me an email with any information about the timelines and was told by their customer service representative that they can not send emails. I am currently living off credit as such a large amount of money was fraudulently taken from my account.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I have tried to wire money domestically to a crptocurrency exchange site, Chase bank denied the transfer. When I tried to show the Chase representative the legitimacy of the exchange site, how I have transferred money between my crypto wallet and my Chase account twice recently without any problem. When I tried to access my online account to give the rep the dates, I discovered that my checking account has been locked out by Chase. The rep told me to wait while she tries to find out. My call was apparently escalated after a long hold, and the next person told me the same thing that they have denied the wire. Before I could come up with any alternate plan, I was informed that they have decided that I am high risk and that they are closing my account and will mail me my balance via a cashier 's check up to 10 business days. When I told the rep that I have bills to pay and I have no cash on hand since I wasn't prepared for their decision For the Chase bank to expedite the clising and overnight the cashier 's check overnight so that I can open another bank account to pay bills. The rep informed me that I can expedite the process by going to a Chase branch for the branch manager to overwrite the hold and give me my funds with a cashier 's check today. I went to the branch and the manager called someone, and told the person on the phone that " you guys need to quit sending people yo the branch when you know I can overwrite anything '', and placed me on the phone. The rep on the phone again acknowledged that I have not done anything wrong but they have the right to hold my money up to 10 business days for their own " research '', and that it is up to me to find alternate funds for my daily living expenses. The rep offered no solution but refused to return the money today or any attempt to expedite the process. I asked to close the account today and get my money out today. Again, the rep refused to unlock my account, refused to close the account today, refused to return my money today, refused to release any amount of money for my living expenses for the next 10 days, refused to expedite the process, and that it is required by law for them to do so. He suggested that I can try to call every day but will be told the same thing.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-15
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (VA)

On XX/XX/XXXX2022 representatives from XXXX XXXX XXXX came to my home and spoke to me and my wife to get us to sign up to get solar panels for our home. The representatives repeatedly told us this was not a loan and that we would just be making payments to the XXXX XXXX company until the solar panels were paid off like a rent to own type of deal, and they also assured us that due to a current promo in an effort to get more homeowners in Virginia to go solar that no payment would be due for 12 months after installation and that we would be apart of a rebate program. Now we are being notified that payment has become due. I contacted goodleap today on XX/XX/XXXX and spoke with representative XXXX XXXX, and my wife and I explained the situation on how the agreement and line of credit was created based on fraud, and XXXX told us she could not help that we need to contact XXXX XXXX XXXX but she also told us we do not have a contract with XXXX XXXX XXXX, I attempted to contact XXXX XXXX as XXXX directed me to and I was told by a representative by the name of XXXX that they only service the actual solar panels and have no part in the financial aspect of the panels, so now I am getting a run around and being taken advantage of as a consumer that I entered into this agreement uniformed based on the information that was originally provided to me, now understanding that I was swindled into this contract and this was done under a lack of an informed use of credit, meaning this account was created under fraud. I find that this agreement should be null and void.
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-01-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I had a home equity line of credit with US Bank for several years. It was free cause I had a checking account. I only had the checking account to get a home mortgage with them. I have a high credit score and no credit issues. I did a refi back in like XXXX with a new bank. When I did that I was told I needed to close the US Bank home equity line of credit. I thought we did that through the close process on my new mortgage - which paid off the mortgage I had had with US Bank. 
I received notice during the holidays on XX/XX/XXXX in a letter that I suddenly had to pay the home equity line of credit annual. I tried to close the account on XXXX - before the due date on XX/XX/XXXX for payment. And the bank now tells me I still have to pay the amount and that the draw date was XX/XX/XXXX. The draw date was before they sent me this statement so I could not have known this line was still open. I didn't receive a prior notification that this line of credit was still open after my close of the new mortgage. The customer service rep said a banker could waive at the bank, but at my work campus the branch desk for US Bank is closed cause my work site is closed cause of XXXX.
Consumer complaint received 2022-10-17
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. (CO)

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 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 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 2023-05-15
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: EQUIFAX, INC. (MI)

I HAVE DISPUTED THE INACCURATE CREDIT REPORTING WITH THE CREDIT BUREAUS AND XXXX. THEY DO NOT HAVE COMPLETE REPORTING OF MY CREDIT HISTORY. IT IS MISSING THE MAJORITY OF MY ONTIME PAYMENTS. XXXX HAS ALSO REPORTED ME LATE MORE THAN 10 TIMES SINCE THE PAYMENTS HAVE BEEN DEFERRED SINCE THE PANDEMIC. THERE HAS BEEN NO PAYMENTS DUE YET THEY HAVE REPPORTED MANY LATES TO MY CREDIT. THEY ALSO HAVE PRIOR LATES ON MY CREDIT AND DID NOT PROVIDE ANY PROOF OF THESE LATE PAYMENTS. MY LOANS HAVE BEEN DEFERRED SINCE I GOT THEM. XXXX SENT ME A PROOF LETTER THAT STATES THAT I WAS NOT LATE, HOWEVER THEY HAVE REFUSED TO UPDATE MY CREDIT REPORT TO SHOW THIS. I HAVE BEEN DISPUTING THESE LATES FOR MORE THAN 120 DAYS TO NO AVAIL. I HAVE INCLUDED THE LETTER FROM XXXX BELOW XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX, OPEN XX/XX/ XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX OPEN XX/XX/
Consumer complaint received 2022-10-17
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. (LA)

In Accordance with Fair Credit Reporting act all these accounts have violated my rights XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15.U.S.C 1681 section 602 A. States that 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 2024-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024, my wife transferred {$610.00} minus a XXXX instant transfer fee totalling the transfer amount to Chase in the amount of {$590.00} to my debit card ending in XXXX to my business account. This transaction was a instant transfer from XXXX. Chase has not released the funds. After speaking to multiple agents for hours and hours the past three days, still no resolution. First I was told it was a maintenance issue and to allow funds to be released after XXXX on XX/XX/2024. Then I was told to give it a few more hrs. I was transferred to the claims department and was told they see the funds but can't assist. I contacted the fraud department and was told to contact customer service because they do not have the authorization to release the funds. XXXX sends me back to claims and was told thecsame information, cant assist. My wife contacted XXXX for help and she was told the money was sent and XXXX provided a trace number, XXXX and stated it's a Chase issue. Contacted Chase and provided the trace information and was told they couldn't do anything with this information. The finger pointing is exhausting and all I want is my funds. Please help! 
XXXX XXXX
Consumer complaint received 2024-04-23
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 (LA)

On XXXX Capital One reported a late status onto my consumer report as well as a balance reported in the amount of XXXX, I requested a copy of the original agreement for disclosure purposes, and it's been 4 months and I haven't received anything.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Here 's a recap on what happened : On XX/XX/XXXX, I called and spoke to a support specialist about making payments to loan : # XXXX, I asked about adjusting my payments to $ XXXX. The specialist sent me an ACH agreement which I signed. On XX/XX/XXXX, I noticed that my account had been reported as delinquent. I have authorized a payment of {$2400.00} to bring my account current.
Consumer complaint received 2023-08-09
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-04-23
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (TN)

On XX/XX/year>, we received three US Bank VISA Focus cards in the mail. 
The letter with the cards included an account number and routing number. 
There was no name on the card and the name on the letter was Site Supervisor. 
I called the number on the card, XXXX XXXX ( I verified on-line this was the US Bank Focus card phone number ) and spoke with a representative. I told her what had happened and asked had Us Bank sent these to us as part of a marketing campaign and could we just dispose the cards. She refused to answer without me providing the card number on the front of the card. I refused to give her that number because I didn't want to open an account with them and was afraid that by giving her the account number and her logging it into their software system that it would activate the account. What I would like to know is are these cards for marketing purposes and can be disposed of or have actual bank accounts been opened tied to our business address.
Consumer complaint received 2022-10-17
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-10
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: Paypal Holdings, Inc (TX)

My PayPal account email : XXXX PayPal case ID : XXXX XXXX never received a package from the seller from XXXX paying through PayPal. The package was worth {$810.00} USD total and XXXX told me to settle the case via PayPal. The package was supposed to arrive on XX/XX/23. 

The seller did not require a signature upon delivery, and the package was only insured up to {$100.00} per USPS. I have attached screenshots of my communication with the seller in an attempt to ask for a refund and resolve the issue. Seller did not provide me a refund and the issue was not resolved.

Initial USPS case ( case # XXXX ) was closed with USPS unable to find my package or resolve the issue. USPS customer service representative I called on XX/XX/23 recommended I reach out to PayPal to resolve this issue. USPS started a new case ( case # XXXX ), but the representative stated, due to the package only being covered {$100.00}, I should file a claim with PayPal. 

I have called PayPal at least 4 times since filing my claim and the representatives refuse to resolve my issue. PayPal 's policy states that, for any item over {$750.00} USD, a signature upon delivery is required for " Proof of Delivery. '' The seller in my case did not do this, and I still have not found my package despite checking around my apartment complex and calling USPS multiple times.

Thus, there is no " Proof of Delivery '' per PayPal guidelines.

One PayPal representative told me the case would be resolved during the first week of XXXX. It is now past that and nothing has been resolved. 

Another PayPal representative stated that they contacted USPS, but USPS would not provide them any information as the USPS investigation is separate from PayPal. Therefore, PayPal using USPS as an excuse to delay resolving my case is not valid.

PayPal is refusing to work with me to come to a resolution for my case, as they have provided me no updates at all outside of me calling them.

I demand a refund from PayPal.
Consumer complaint received 2022-10-18
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX