davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XX/XX/2008 Balance : {$2900.00} XXXX XXXX XX/XX/2008 Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

Jpmcb Card date : XX/XX/2021 my credit report was ran without my consent i do not have knowledge of this account please block and remove.
Consumer complaint received 2022-12-16
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. (MD)

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 accounts 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 XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX ( Original Creditor ) : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BALANCE : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. Credit reporting agencies have assumed a vital role to report accurate Consumer information.The credit bureaus stated my account was properly investigated, but how was that possible if there are inaccuracy with dates and balance amounts and address for XXXX XXXX XXXX XXXX. 

This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602 states I have the right to privacy 15 US C1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions USC 1681C85 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 USC 1681S ( 2A ) 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.

Also, Experian credit bureau took more than 30 days to complete my previous investigation with this manor
Consumer complaint received 2022-03-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Acct # XXXX. Opened XX/XX/2013 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-12-11
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. (CA)

I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (NY)

In yet another XXXX occurrence from the company known as " XXXX '' sometimes moonlighting as First Data, or FISERV, these idiots have now erased all of my now 4 unnecessary XXXX accounts that they created, XXXX, XXXX, XXXX, and XXXX, but now this morning sent me a bunch of alarming emails indicating a credit card charge back from a former client, but now without the ability to see what the XXXX they are talking about, because as was stated above these XXXX  have deleted any & all data relevant to said " charge back. '' We have previously accused this recently merged merchant services behemoth of targeting me & my XXXX XXXX business because we have filed various/myriad complaints against their various corporate names/incarnations for foul, terrible, awful, bad merchant service, with such XXXX employees as XXXX XXXX & others , who we believe roam throughout the company sabotaging our business 24/7. Please investigate and advise.
Consumer complaint received 2022-12-16
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (TN)

This is a repetition of complaint number XXXX filed against XXXX XXXX. XXXX has apparently sold the account to Rauch-Milliken International , Inc , and we are now filing a complaint against them. 

We are a practice of psychologists. Through XXXX we did business with The XXXX XXXX ( aka XXXX and XXXX ). In XX/XX/XXXX we advised XXXX through a letter we would honor our contract, which ran through year 's end, but we did not wish further services from them after XX/XX/XXXX. However, XXXX continued to bill us for several months in XXXX, and when we did not pay, turned the " debt '' over to XXXX XXXX XXXX XXXX which has subsequently sold the account to Rauch-Milligan International , Inc . I advised XXXX in three letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) we did not wish their services and advised Convergent Commercial through another letter dated XX/XX/XXXX that the " debt '' was for services we had never ordered. I have since then advised Rauch-Milligan of the same thing. We have never received any acknowledgement from any of these businesses ; instead, we have received threatening letters and phone calls, many of which threaten legal action. I once explained the situation to an agent trying to collect the " debt, '' but she took a belligerent tone and was not interested in what I was telling her. Thus, I am at a loss as to what to do. We were billed for services we neither wanted nor orfdered and have been charged a ridiculous amount of interest on the original " bill. '' Is there some way to communicate with these people? I am not allowed to bill random folk for therapy sessions we never had, and I am not sure why XXXX and these collection companies feel they can collect money for services our practice did not order. I might add that all of the letters I have sent have been witnessed ; we do not have a scanner, and so I can not attach them to this compliant, but I would be happy to FAX them to you if that would be useful.
Consumer complaint received 2022-10-15
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

15 US.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation is inaccurate.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation (CA)

I have having a problem with Bridgecrest formerly known has XXXX. 
I call them and made payment arrangements now they keep reporting that am late on payments.. Which I was not. I have spoke to them several times and they tell me that I have no lates but on my credit reports they are reporting lates. This is really effecting me to purchases anything on credit. I dont see how they can say one thing to me then report something different .I would like this matter fix as soon as possible I dont not have 4 late payments are they are reporting.
Consumer complaint received 2021-02-18
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 ()

To whom it may concern : As the only computer literate in our family, Paypal is the only virtual wallet account where I could get my income from XXXX. However, as soon as I created my paypal account, paypal have put limit on it making my account prohibited from sending and receiving any money. I have talked about this with them but they poorly responded with what I can do regarding about this. At this point I think they are not doing their job very well. After a week, I received an email from then saying I can no longer use paypal for no reason at all. I am worried because they only not closed my account but also hold my money ( XXXX $ ) for 180 days. They did not even state if they ensure I will get my money. I hope this complaint finds you well as this is my only source of income.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried several times to dispute discrepancies on my Transunion credit report online only to be meet with, We are having technical difficulties every single time. I have also tried to freeze my Transunion credit report to also be meet with, The Transunion Credit Freeze Service is Temporarily Unavailable, despite what time or day I try. 

Ive had other family members and friends who disputed items on their Transunion reports online with success. As well as freeze their report. 

I have filed a claim against Transunion in the past for inaccurate reporting and negligence and every since this occurrence I have not been able to dispute or freeze my Transunion Credit Report online.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE CONTACTED EXPERIAN NUMBERS OF TIME ON THIS MATTER LAST TIME WAS YESTERDAY XX/XX/XXXX CONCERNING MY XXXX XXXX # XXXX I HAVE PAID IN FULL SINCE XXXX AND THEY STILL REPORTING A XXXX DOLLAR BALANCE AND I HAVE NO BALANCE MY XXXX AND XXXX IS SHOWING NO BALANCE BUT EXPERIAN SAYING THEY CAN NOT DISPUTE THIS BECAUSE THEY SYSTEM WON'T ALLOW THEM TO SO THEY WILL CONTINUE TO VIOLATE MY RIGHTS 15USC 1681 THIS NEEDS TO BE CORRECTED WITH XXXX BALANCE I SPOKE WITH XXXX XXXX XXXX AND THEY SAID IT IS ON EXPERIAN BECAUSE THERE NOT REPORTING CORRECTLY SINCE XXXX XXXX XXXX
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My former employer 's HR director, XXXX XXXX of the XXXX XXXX of Ohio was supposed to be my XXXX XXXX when I was a XXXX XXXX applicant but instead she tried to have me institutionalized and forced on to XXXX. She eventually fired me when I refused to " be XXXX '' but during the process she stole thousands of dollars from my bank accounts, hired criminals to damage my property, and filed false charges against me that resulted in my XXXX  to cover up her crimes. 

Currently she admits that the XXXX XXXX of Ohio owes me backpay of over {$10000.00} plus unemployment compensation but she won't release it to me. I am in danger of losing my home.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (TX)

I got a voice email stating my warrant number and who to contact to fix it. I sent it to my lawyer and a friends lawyer and checked the texas data base to see if true which it was all a scam or false information.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (MO)

Fraudulent crooked company either STILL WORKING ON THE ISSUE OR MARKED AS DUPLICATE

SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM 
 
AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. ()

I XXXX XXXX born on the XX/XX/XXXX & XXXX XXXX born on the XX/XX/XXXX residence of XXXX XXXX XXXX XXXX XXXX XXXX have been victims of firstly professional hackers that have hacked into our phones, bank accounts, XXXX, email. We have had over {$22000.00} hacked out of our accounts and our personal identity stolen. These hackers have made personal loans in our names because they had access to all our personal information from our emails and bank accounts. 
We had to freeze all our accounts our credit cards had been hacked and cash advance payments made. 
My wife was in a car accident she applied to her super to fix her XXXX  and when she got the funds the money was hacked out of our account the next day. 
We have made a fraud pack to the police and we ca provide a police report. 
We are frustrated because we have reported this to the credit score bodies we are have the XXXX XXXX XXXX  whom we have been paying since XX/XX/XXXX to clear this issue and have yet to resolve the issues. The hackers started during XXXX with XXXXXXXX hacking into our account money then went big and we had trading companies hacking into our accounts No have we just lost at least {$25000.00} out of our accounts they made coin spot transactions and wise transfer transactions in our name. They open these accounts in our name without our authority but the banks and other companies claim no responsibility. Now we have the XXXX of a horrible credit score that once was perfect. We cant even apply for loans. 
We explained that we have missed payments because our accounts were locked due to banks investigating the fraud. 
All our enquires are falling on deaf ears. My wife  is now opened a successful business but cant take out a loan because of our credit score. 
We have noticed that a XXXX XXXX default is on our name which we never applied for this loan. 
We have allowed months to go by without complaint but now we have had enough. 
We need our credit score fixed ASAP because we want to move on with our lives our business is on hold.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (GA)

We purchased a credit line from a home services provider in the summer of XX/XX/XXXX. We've been paying a monthly payment on the loan for almost 1-year. On the morning of Friday, XX/XX/XXXX, I received a phone call from GreenSky Credit & I immediately knew it was time to make a payment on the account. I thanked them for the reminder and made a note to pay it when I went to the office. 

1-hour later I received a " payment confirmation '' that a payment for {$180.00} was made on my behalf, without my authorization or submission of any kind. I immediately went to their website and cancelled the payment. I called them directly & they claimed that bc I cancelled the payment they could not tell what had been done on their end. I informed them that none of that mattered that it was illegal for them AS AN ORGANIZATION to authorize a payment on anyones behalf w/o authorization. If the phone call was recorded then they will know that no one authorized a payment. 

I went ahead and filed complaints w/ the BBB & CFPB. I have both emails as proof that an unauthorized payment was made & then I cancelled it. I went ahead and paid the account in full because I NEVER want to do business w/ a company who steals from it's own customers.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I applied on-line for a XXXX Chase credit card in XX/XX/2021. The Chase website application link for this credit advertised that upon completion of a $ XXXX spend within 90 days of account opening - I would receive XXXX XXXX points + additional points if I continued to spend on the card. ( see attachment of XXXX offer web page ). 
I never received the points so I contacted XXXX Customer Service 5 times and each time received the same response : ( no record of this offer ) They applied a {$300.00} credit on my account and a free night stay. No way near the value of the original offer. 
I then contacted the CEO and XXXX other executives and requested their help in resolving this issue. To date, I have not received a response.
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

I have invested more than US {$60000.00} with XXXX XXXX in XXXX in 2021. After I have fulfilled my obligation to the VIP Deposit requirement plan of {$250000.00} Malaysian Dollar,  I would have access to my account balance. Unfortunately, the JP Morgan Chase Corporation took over the business recently. They imposed a new additional deposit requirement of 25 % on my account balance of US {$100000.00} which was amounted to US {$25000.00} which was clearly illegal and unethical. It blatantly employed this corporate rule as a scheme to swindle and to confiscate my account balance. The Corporation has ignored the law which protect the consumer, and also demonstrated its blatant violation in lack of human decency in public thievery, and in public confidence and public trust with legal and fair rule. I demand the JP Morgan Chase Corporation refunds all my money from my investment account immediately. Total fund in my investment account is : XXXX Malaysian Ringgit equals XXXX United States Dollar
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX