davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-30
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (NY)

I was issued a hardship loan through my work for medical expenses and it was deposited into my Dave banking account last night. Nearly XXXX dollars was then taken from my account by a fraudulent cashapp account that I have never seen before. Over 100 separate transactions were made in a matter of minutes all in different amounts XXXX, XXXX, XXXX, etc. I am so upset that this happened and now Im going through a lot more stress because of this, all the charges are pending and Dave personnel are telling me they cant cancel the pending charges until they are processed which in my opinion is insane. I did not authorize those charges and Im extremely angry with them and the situation. I am burried in dept and cant afford to have this money taken away because of some scammers. Please help immediately!! Thank you - XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an {$0.00} balance XXXXXXXX XXXX reporting on my credit report as negative, including an {$0.00} balance for XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX thats been paid off with an {$0.00} balance for over an year now but its still showing up in collections. I also have an auto loan from XXXX XXXX thats been paid off since XX/XX/2022 and its still reporting as if its still a current lease.. I also have a few inquiries that showing up multiple times with different dates on them as well
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX billed us for another customer debts and suspended my lines twice alleging that an old bill has not been duly paid off by our bank ( which I guess is not true as every bill was on Autopay by JP Morgan Chase Bank XXXX and we paid JP Morgan Chase statements ). 
I reported the case to the FCC, to XXXX XXXX XXXX  XXXX, & XXXX XXXX Offices. XXXX answered to them that JP Morgan Chase XXXX our bank ) did not pay to them, even invoking that the mention by them of another bank ( XXXXXXXX XXXX ), a phone line that is not mine ( ending XXXX, which appears to be of a XXXX City Attorney, and XXXX billed me ex post for a charge back of that line ) were " mistakes ''. Previously to complain, we have been on the line with XXXX for 17 hours in total and they did not fix their issues, we spoke with JP Morgan Chase and they assured to us that no payment had been reversed, and I believe them. But as XXXX insists that JP Morgan Chase did not pay to them, and on letters ( in writing ) to Federal Agencies and General Attorney Offices, I file this complaint.
Consumer complaint received 2023-02-11
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. (CT)

in accordance with the fair credit reporting act, Transunion has violated my rights. 

Transunion is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give transunion any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Consumer complaint received 2023-02-11
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: Possible Financial Inc (CA)

Possible Finance has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago. 

They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion
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 information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (MD)

Westlake Financial Is Reporting As A Repossession for {$300.00} To The Credit Bureaus When Ive Disputed Multiple Times That It Was Paid Off By XXXX And XXXX took possession of the vehicle XX/XX/2021.
Consumer complaint received 2023-02-11
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. (KS)

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 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I recieved a debt collection letter in the mail, around the first of XXXX, for a fraudulent Uitlity bill from XXXX XXXX out of XXXX. This bill was dated for XXXX of XXXX. This was the second time in six months that this company XXXX XXXX sent a collection company after me for a fraudulent account opened in my name. The first time was in XXXX of XXXX for and account opened in XXXX of XXXX. I went to the police both times and filed a report. I also filed on theft.gov. The first collection agency removed the collection from my credit report immediately on receiving my paperwork. Online Information Services was mailed two certified letters with police report and theft.gov letters. They wanted me to send a copy of my social security card and drivers license, but I refused. Instead, I sent a letter from my school where I have taught for the last 4 years to prove that I did not live in XXXX but 200 miles away. I also sent a copy of my trash pickup service dated for XXXX of XXXX. They said that my packet was incomplete .... XXXX XXXX contacted me XX/XX/XXXX and said that they determined that the account was fraudulent. However, Online Services placed the collection on my credit report anyway. Then, I filed a dispute with XXXX! Online Information Services has now said that the collection was paid on my credit report and my score has dropped over 50 points. Because, it still appears that there was a collection against me ... ... .The first collection agency had no problem removing this fraudulent charge from XXXX off my report. However, Online Information Services has a bad reputation of doing this very thing quite often! Just read their online reviews. I am XXXX, a widow, hardworking XXXX XXXX XXXX XXXX I think that these two companies, Online Information Services and XXXX XXXX should both be reported for bad business practices. What utility company would allow a person to not pay their XX/XX/XXXX bill or XX/XX/XXXX bill but still open another account in XXXX in the same persons name and let both bills go unpaid! Then send me a collection notice in XXXX and XXXX to my REAL address. Online Information Services also sent me a copy of the XXXX XXXX bill with not one phone number on the bill to contact the company... .Something shady is at work here!!!! Both bills were for the exact same amount {$1000.00} ... .that is questionable also ......
Consumer complaint received 2019-11-30
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. (WA)

On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed
Consumer complaint received 2022-09-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (AZ)

A family member asked to send funds from my XXXX account linked to BMO to their XXXX XXXX. The funds he sent was a bad check. I had enough in my savings to cover the amount that was fraudulent & still had extra funds in my account. The bank told me XX/XX/XXXX they closed my account and I will receive my check in the mail in 3 weeks. I called back again about a month later and they said I need to go into the bank to verify myself. When I spoke to XXXX I told the fraud department on XX/XX/XXXX he said theyre backed up and theres no time frame on when my funds will be released. He said he will have the manager call and its in their notes, but no one reached out. Its going on 5 months now. My account is not closed its still in the frozen status.
Consumer complaint received 2023-10-30
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. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : Experian Account name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery at XXXX XXXX XXXX. XXXX Va. XXXX, has been sending me collection notices in the amount of {$12000.00}. The The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (GA)

Received a Court looking document in a envelope that was from my credit union who holds my mortgage to my old address that is not used by the credit union. Hasnt been for over 2 years. It references a garnishment case ( no number on it ) that does not exist in the superior court system as stated. I have no money in that credit union and they cant garnish social security or government pension. XXXX XXXX  was charged off over two years ago. The unofficial document claims to have been filed with superior court. Which it is not. No case number. No clerk stamp. The signature on the document doesnt belong to any employee at the credit union . I have received other collections statements from collection agencies the claim to try to collect debt for XXXX XXXX but will not provide account details.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I was one day late for my payment, I paid in full the next day. I was charged {$170.00} on XX/XX/XXXX for this. I understand I was late and I accept that. However, XX/XX/XXXX I was charged another {$170.00}. I paid on XX/XX/XXXX the day it was due, and there was no balance. I have never had a balance on this card except for the one day I was late. When I called and asked why I got charged another {$170.00} when I paid on time and in full. The customer service person didn't even know they had to go ask someone. I was told I am charged two months in a row interest for the one day late payment. Why? No balance was carried forward. Of course they will not take it off.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

I applied Amex Gold card in XX/XX/XXXX, and enrolled the welcome offer XXXX Membership Rewards points after making qualifying purchases of {$4000.00} or more on the Card within the first 6 months of Card Membership. 

On XX/XX/XXXX, the customer service agent confirmed I enrolled the offer. 

Within the first 5 months, total amount of eligible purchase is {$4200.00} ( excluding annual fee, reward credit, and return transactions ). See breakdowns below : * Billing cycle XXXX ( XX/XX/XXXX ) : new charge {$3000.00} ( excluding annual fee ) - Credits {$620.00} = {$2400.00} ; * Billing cycle XXXX ( XX/XX/XXXX ) : new charge - credits = {$520.00} ; * Billing cycle 3 ( XX/XX/XXXX ) : new charge - credits = {$1000.00} ; * Billing cycle 4 ( XX/XX/XXXX ) : new charge - credits = {$160.00} ; * Billing cycle 5 ( XX/XX/XXXX ) : new charge - credits = {$61.00}. 

On XX/XX/XXXX, I contacted the customer service. The agent said I did not get the bonus because transaction amount within the first XXXX months had not exceed {$4000.00}. Qualified Spend Amount showing as {$3500.00}, and while Remaining Spend Amount showing as {$490.00}. As the numbers are not correct, I asked the agent opened an investigation case for me. 

On XX/XX/XXXX, the case is closed without any reason. The agent escalated the case for me and the case number is XXXX. 

On XX/XX/XXXX, XXXX XXXX is closed. The result was that transactions did not total to the spend threshold amount {$4000.00}. Upon my request, the agent reopened the case for me for more details. Case number is XXXX. 

On XX/XX/XXXX, XXXX XXXX is closed. The results was that the account has an approximately of {$3800.00} total spending for the timeframe, and refused to further provide details how they got this number. This number is different than the agent gave me on XX/XX/XXXX. 

I calculated the purchase amount multiple times and am very confident I am qualified for the welcome bonus, since the purchase amount within the first XXXX month has already exceed {$4000.00}, let alone purchases within first XXXX months.
Consumer complaint received 2023-10-30
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. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX 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 1681 c. ( 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

ATTENTION XXXX PLEASE READ THIS IS NOT A DUPLICATE COMPLAINT! COMPANY SENT LETTER ATTACHED TO I THE CONSUMER, AND NOT THROUGH THIS SITE AS THEY SHOULD DO. IM AWARE MY ADDRESS US PUBLISHED. 



EQUIFAX REFUSE TO REPORT CORRECT INFORMATION TO MY CONSUMER REPORT. I'VE SENTTHEM CERTIFIED LETTERS TO DO SO WITH A COLOR COPY OF MY CREDIT CARD ( SOCIAL SECURITY CARD ) AND AT THE TIME MY DRIVERS LICENSE AGAIN IN COLOR. 

XXXX XXXX RETURN RECEIPT : 1. XXXX XXXX XXXX XXXX XXXX 2.08/02/2022- XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX AS OF TODAY XX/XX/2022 COMPANY IS STILL REPORTING AN INCCORECT NAME ON MY ACCOUNT, WITH A HOST OF OTHER ERRORS.I ATTACHED A COPY OF MAIL THEY SENT ME WITH MY CORRECT INFORMATION AND THEM STATING THEY ARE UNABLE TO LOCATE MY CREDIT FILE. 

AGAIN NOT ONLY ARE THE REPORTING FALSE INFORMATION ON MY CREDIT REPORT, THEY ARE CONSTANTLY HARRASSING ME FOR MY PERSONAL INFORMATION THAT HAS BEN SENT MUTLIPLE TIMES CERTIFIED AND UNCERTIFIED. 

I'M PREPARED TO TAKE THIS TO CIVIL AND FEDERALCOURT IF I DO NOT GET MY REEMDY. THIS IS DEFAMATION OF CHARACTER, INFRINGMENT OF MY PRIVIACY AND RIGHTS AS AN CONSUMER. ( AS THERE IS NO PROOF THAT i SIGNED A CONTRACT WITH THIS COMPANY OR ANY COMPANY YOU'RE REPORTING FOR. ) THAT INFORMATION WAS REQUESTED ON XX/XX/2022. 

I WILL NOT SEND THE COMPANY ANOTHER PIECE OF MY PERSONAL INFORMATION. AS AGAIN I HAVE PROOF THAT IT WAS SENT AND COMPANY RECIEVED IT. 

EQUIFAX AS OF XX/XX/2022 ANY PERMISSION AND/ OR AUTHORIZATION YOU THINK YOU MAY HAVE OR HAD, REGARDING THE USE AND/ OR STORAGE OF MY INFORMATION, IS HERET BY REVOKED!