davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX BUSINESS DAYS after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MO)

On XXXX I lost my bluebird card while out walking my dog, later find out it was found and used in multiple places that day. I moved the remaining funds XXXX stimulus $ XXXX {$1400.00} XXXX into a set-aside " goal account '' to protect it. 
I called bluebird and there was a really unusual and suspicious vibe being created. The phone automated XXXX was asking strange questions about my age. After I pushed XXXX to answer under XXXX, the XXXX hung up saying it can't help me in my service area. I'd never experienced that before. So I called the international number associated with bluebird next to the national XXXX .... they transfered me to the fraud dept. They sent declaration of fraud documents again. I filled them out and faxed them back on the XXXX. Then I got no response for XXXX weeks and I started the dispute process again. They declined my dispute. Because they said it was authorized. And then they closed my account with over {$1000.00} inside of it. They are telling me the only way I can open my account up again is to write and send their fraud department by physical mail. I don't even know what to write. But this is not the first time they have shorted me from my own money. I've had an account with bluebird since 2012.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am a long-time customer of Bank of America. I had an issue a while ago where a {$1600.00} charge that I disputed got placed back into my account, which brought it to a negative balance. Due to my overdraft, on XX/XX/19 my XXXX-year-old daughter 's bank account was debited for {$220.00} leaving her with no money. Currently, she is away in another city and state for the summer. My name had to be on her account when she initially opened it due to the fact that she's a minor, but she is not financially responsible for the overdraft. I've tried speaking with customer service to no avail. I have even emailed the CEO. At this point, I am at a complete loss. My child is now out of town and does not have funds to provide for herself. The money was money that she worked for by XXXX, etc. I am far from wealthy and I'm currently unable to send her money at this time. 

I am fully aware of the bank 's ability to " offset '' money to cover a balance. I don't see how it's fair to penalize a XXXX-year-old by drafting their account and leaving them stuck with nothing. My goal is to get the {$220.00} that was removed from her account returned.
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (OH)

I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-01-30
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. (TX)

n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instruction.
Consumer complaint received 2021-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc. (CA)

On XX/XX/2020 I sent Summit AR a letter, which is attached. In the letter on page 4 I clearly state that I am represented by an attorney who's contact information I provided. The letter was sent to them via Fax and Certified Mail. Summit AR must've not read my entire letter because they responded to me directly instead of my attorney. This is a violation of the FDCPA 1692 c ( B ) With anyone except consumer, consumers attorney, or credit bureau concerning the debt and 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. I am requesting that summit AR cease an desist their disregard for the law right away and contact my attorney right away to resolve this matter. No lawsuits have been filed YET.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (WA)

Am individual living at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, WA XXXX, used my identity to get approved for a Discover credit card. 

After getting approved by Discover for a credit card with a {$16000.00} limit they attempted to change the billing address to theirs, the previously mentioned XXXX  WA, address. 

My credit monitoring service notified me of the transaction and I was able to contact Discover. The credit card was canceled by Discover, who provided me the address of the XXXX that attempted to steal my identity.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I REQUESTED CANCELLATION OF The 30-day TRIAL SUBSCRIPTION ( to an Online Graphic Design Course I had signed up for on XXXX ) MANY TIMES ( by Email, Online, and by Phone ) PRIOR TO THE EXPIRATION DATE OF THE TRIAL, XX/XX/XXXX, WHICH XXXX never ( failed or refused to confirm ) confirmed ; Subsequently, they charged my ( former ) Visa ending XXXX {$69.00} on XX/XX/XXXX, and CONTINUED TO CHARGE ME {$69.00} EACH TIME FOR ( XX/XX/XXXX, XX/XX/XXXX ) even After I filed Disputes with my Bank about the Unauthorized Charges and DESPITE MY CONTINUING COMPLAINTS to them by email and online about their Billing me in Bad Faith UNTIL I FINALLY GOT A REPLACEMENT VISA THEY COULDN'T CHARGE ( Which My Bank Should have done for me immediately after I filed my 1st Dispute on XX/XX/XXXX of the 2nd Unauthorized Charge on XX/XX/XXXX Or Even After I Filed my 2nd Dispute on XX/XX/XXXX, About the Last Unauthorized Charge on XX/XX/XXXX, ) AFTER I REQUESTED A NEW ONE WITH MY 3RD DISPUTE FILED ON XX/XX/XXXX ; ; ( Which was Actually About the 1st Unauthorized Charge to have occurred on XX/XX/XXXX, but which I hadn't discovered until I had already filed the 2nd Dispute about the 3rd charge! ) ; Furthermore, REGARDLESS OF MY BANK 'S RECENT DENIAL OF MY CLAIMS and Resulting Reversal of the Provisional Credits they had Previously Granted Me Which Was Done Without Any Notice ( s ) /Reason ( s ) for their/My Bank 's Disapproval, Thereof, I AM NOT legally, financially, or otherwise RESPONSIBLE FOR THE {$200.00} CHARGES SUBMITTED TO MY BANK IN BAD FAITH/Fraudulently/Without Authorization As Described Herein, SO I AM THEREFORE SEEKING RECOVERY of the full amount OF {$200.00} FOR AFOREMENTIONED UNAUTHORIZED CHARGES BE RETURNED TO ME personally or refunded/credited back to my Chime Checking Account ending XXXX As Soon As Possible BY EITHER OR BOTH of the Other 2 PARTIES To This Complaint WHO/WHICH ARE or Were Legally RESPONSIBLE. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

I have spoken to Franklin Collection SV at XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS . They filed a collection 's notice on my credit report for {$150.00} for a debt I do not owe. I disputed the amount directly with XXXX XXXX  and made it clear to Franklin that I have disputed the amount and that I did not owe the amount. This is the second time they have hurt my credit standing due to a false credit report being filed. I am in the process of buying a property so this false report has harmful impact on my ability to buy a property. XXXX XXXX  is in the wrong and Franklin Collections has systematically hurt my personal credit. I am also very concern given my identify has been stolen once that this agency has access to my social security number without my knowledge.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (TX)

I tried to cancel a transaction through paypal, but it still went through and i never received the item this transaction was placed for. Amount was {$400.00} and was taken out on XXXX XXXX, XXXX by XXXX XXXX through paypal, he is in XXXX. I have emailed him twice and no reply ever. I have tried paypal and they said transaction is too old to help me. I took this long because i kept disputing through my bank and every dispute takes up to 90 days to get a response. I tried to dispute through bank over and over. Final answer from bank of XXXX was that they cant credit back a transaction done through ACH. They stated if it was done through my card, they could have helped me. My complaint is against my bank AND the scammer guy that took my money as well as paypal for not being able to help me. Basically, this guy just stole my money with the help of paypal and bank of XXXX. The company that shows under XXXX XXXX is XXXX, I was originally going to get tail lights and cancelled my transaction. PLEASE HELP ME as this is alot of money i have lost. Paypal also said they would send the seller a message and copy me on it and i never got this. They stated they could send him an email informing seller they would remove him from being able to use paypal in future, but i doubt they sent it as i never got email.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

XX/XX/XXXX {$3500.00} Deposited Cashier Check into XXXX XXXX XXXX XXXX Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} Zelle Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via Zelle for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed Zelle provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. 

I called Zelle to stop the payments as it was pending couldnt i explained the situation, trying to get ahead of it they stayed if not cancelled in seconds nothing can be done! I will never use Zelle again, its like the intentions is to support the ones who are running these scams.
Consumer complaint received 2022-04-27
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report
Consumer complaint received 2021-05-04
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. (SC)

XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. Transunion LLC XXXX and XXXX. None of which these companies corrected their errors.
Consumer complaint received 2017-12-18
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: EQUIFAX, INC. (TX)

In mid XXXX XXXX, I filed a written dispute with XXXXXXXXXX, Equifax, and XXXXXXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the XXXX XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all accounts verified from ONLY Equifax, but did n't get any proof from the XXXX XXXX or credit bureaus with the original signed document. My primary concern it that Equifax has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EQUIFAX IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER XXXX XXXX.
Consumer complaint received 2024-03-07
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. (AR)

Ive recently checked my credit report and noticed inaccurate information reporting, these accounts are all reported differently o each credit bureau.How can i have 3 different balances reporting, 3 different past due amounts reporting and according to the FCRA ( U.S.C. 15 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) it is a violation.
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: I.C. System, Inc. (CA)

My name is XXXX XXXX, I filed an arbitration against IC Systems, however, I have received a notice from the XXXX XXXX XXXX, informing me that XXXX XXXX XXXX XXXX failed to comply with the XXXX policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with XXXX XXXX. This means they are not only in breach of contract with me but with every other account, XXXX XXXX is servicing. 


I am requesting the XXXX XXXX XXXX launch a class action against XXXX XXXX on behalf of all other consumers. 
This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. Transunion has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX  which has been paid off and the receipt showing this has been attached. Lastly XXXX has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You
Consumer complaint received 2024-03-07
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. (PA)

Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (NY)

There is electric bill under my ssn for XXXX XXXX XXXX XXXX, NY. I have never lived at this location. I contact the management company and because this address is public housing, tenants do not pay all bills are included in the rent. I called the company and I was not given any information about this account and the representative was not able to provide and reason, dates, or explanation as to how the company received my information
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2019-08-09
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: Exeter Finance, LLC. (MD)

XX/XX/2019 there was an inquiry on my credit report from Exeter Financial. I had no idea where it came from. Ive sent letters to ask them to remove this. They respond saying it's accurate. I never heard of this company.
Consumer complaint received 2018-06-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (MO)

A property I owned was sold using eminent domain. The sales contract was put in on XX/XX/XXXX. The entire process was handled through court. During these proceedings the owner ( XXXX XXXX XXXX XXXX XXXX ) of the mortgage was identified on XX/XX/XXXX and the total amount due was determined ( {$49000.00} ). On XX/XX/XXXXthose funds were distributed through the court to the XXXX XXXX XXXX XXXX XXXX.

I continued to receive statements from Real Time Resolutions and they continue to report negatively to the credit report agencies. Real Time Resolutions ( a third party debt collector ) stated I still had a balance of approximately {$32000.00} and increasing, currently {$33000.00}. In XX/XX/XXXX, I called Real Time Resolutions to dispute the account stating that the account had in fact been paid in full. On XX/XX/XXXX. I received a letter stating they received a payment in XX/XX/XXXX but that a balance was still due. I disputed a second time and received a letter stating there would not being any further investigation as it was already investigated.

I have since found court documents confirming my claim and submitted those to the credit agencies and Real Time Resolutions. It has since been removed from XXXX, however it is still being reported to XXXX and it is affecting my ability to secure a home loan I am set to close on in the upcoming weeks.
Consumer complaint received 2020-09-20
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. (AL)

I SUMBITTED MY DISPUTES AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. WHY WOULD I NEED A CREDIT REPAIR COMPANY TO LOOK AT MY DISPUTES AND KNOW THAT THEY ARE FRAUDULENT. I ASKED THAT THESE ACCOUNTS BE THOROUGHLY INVESTIAGTED BC THEY DO NOT BELONG TO ME. I DONT APPREICATE MY CLAIM BEING GENERICALLY BEING DISMISSED AS A USING A CREDIT REPIAR COMPSNY. PLEASE REVIEW AND REMOVE THESE INCORRECT ACCOUNTS FROM MY CREDIT REPORT.