davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$640.00}, {$10000.00}, {$6500.00}, {$15000.00}, {$12000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Clark County Collection Service (NV)

Ive complained several time on the debt which is not even mine, but clark county collection has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when clark county collection finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. XXXX is still illegally showing it as open.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (MD)

A few weeks ago I got and reviewed my credit report and noticed unauthorized Inquires on it I called Experian, XXXX, and XXXX to get them removed and they said I had to send in a FTC report so I did then when I followed up they said that they have yet to receive the report
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TX)

My doctor joined XXXX XXXX XXXX midyear last year. I saw her in XXXX and my XXXX XXXX took care of it. I got a bill from the medical group last XXXX. I called XXXX to see what was going on. They told me that my doctor was in network, but that medical group which submitted the bill was not in network and so was paid out of network cost. The medical group wants me to pay the difference for their mistake and I will not do it and have told them so on a recorded call. Their calls to me are incessant. 

My doctor quit that group at the beginning of this year.
Consumer complaint received 2022-06-17
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 (KY)

On XXXX XXXX my SSDI check was deposited into my Chime checking account. All of a sudden my phone started getting really hot and I couldn't even place a call. I got a text message that {$1200.00} was deposit onto my account. Then I got a text message saying {$1200.00} was transfered to an email address. I was like WHAT!! and immediately tried calling Chime I couldn't call my phone was locked then I got another message that {$300.00} was transfered to another email address, then another for {$250.00}. That was everything I had in my account {$1600.00}!! After all this happened and I calmed down I could call Chime. The lady that answered said it had to file a dispute and I said NO stop these payments the charges are pending. She said no I had to file a dispute and she transferred me. While I was on the phone with the dispute department the charges went through. I was livid!! So I filed their dispute and was told within 10 days I would hear from them. Two days later they denied my claim. I called them back and they said they would reopen it and they had 45 days for their decision. Meanwhile I called Social Security and told them and they stopped putting my money in my account and sent me paper checks. While I was waiting on their decision and going back and forth with them they closed all of my accounts. I tried calling them again and I can not talk to anyone anymore because when I call they say your accounts have been closed and hang up. I got emails from them denying my lclaims and closing my accounts. This is so messed up. I can not even get into my accounts anymore it's like they disappeared like thar one {$300.00}, I disputed. I just.vanished. I can't even talk to anyone and I have been scammed. After doing some research on this Chime they have done this to hundreds of people. Please help me.
Consumer complaint received 2023-05-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

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 XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2018-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IL)

I check all of my accounts with Citibank every morning. If my checking account is low, then I transfer money from my savings account. Unfortunately, Citibank has a habit of posting ACH debits at the close of the business day ( around XXXXXXXX XXXX  ) rather than first thing in the morning. If my account is overdrawn, then at midnight they will transfer money from XXXX XXXX ( overdraft protection ) into my checking account and charge me {$10.00}. That gives me only seven hours to transfer money from my savings account. 

I have spoken to many representatives and supervisors at Citibank about this issue. They repeatedly tell me that Citibank does not intentionally post ACH debits at the close of each business day. I am told that the ACH debits post at the time that they are presented to the bank and that it just so happens that all of them happen at XXXXXXXX XXXX every day! That's absolutely ridiculous. 

This has cost me many {$10.00} fees, interest on XXXX XXXX ( even though I immediately pay the XXXX XXXX in the morning ). Recently, XXXX XXXX transferred money into my checking account, creating a balance owned in my XXXX XXXX. That same day ( even though I paid it ) Citibank reported that I owed a balance to the credit bureaus and my excellent credit score ( over 800 ) dropped by 20 or 30 points! I was incredulous! 

I believe that Citibank has a practice of posting ACH debits at the end of the business day rather than at the beginning of the business day in an attempt to charge more fees to customers. I believe that this practice is deceitful.
Consumer complaint received 2024-01-23
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. (NC)

On XX/XX/2023 I purchased a sofa from XXXX XXXX and opened a line of credit in the amount of {$1400.00}. I was told that within 30 days I would receive mail on how to pay the bill and access my account. I had given XXXX XXXX my correct address including apartment number. XXXX incorrectly forgot to include my Apartment in my address when opening the line of credit and I never received any mail to pay the bill or access my account. In XXXX from my bank I got a notice stating there was a late payment and credit score had dropped. I called XXXX XXXX and they gave me XXXX XXXX XXXX XXXX number to call. On XX/XX/2023 I called XXXX  and I found out the address on the account was incorrect, they made a note on the account and updated the address and they were able to give me my account number so I can log in a make my first payment. The customer service rep told me to fill out a XXXX  credit dispute form which I did towards the end of the month and mailed to XXXX. On XX/XX/2023 XXXX  sent me a mail saying that the current information being reported to the credit bureaus was correct, but it was not. On my account I can see my first 3 bills and the apartment number was not there and no mail was delivered until XXXX, when the address was corrected by me calling. 
No mail or information was sent to me to pay the bill and it was XXXX 's and XXXX XXXX  fault for not putting the correct address. Neither of them followed up through phone or email to fix the address issue. Attached are the months of XXXX, XXXX, and XXXX showing the address didn't have the apartment number. I also attached XXXX showing when the address was correct and when mail reached me.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX XXXX Account XXXX XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I initiated a balance transfer upon an offer for a better rate thru XXXX in the amount of {$500.00} on XX/XX/2018. The transfer went to Capital One Installment Loans for the servicing of my Kohl 's charge ( where the payment was to post ). The payment has not posted to my Kohl 's account. I have received researched info from XXXX including a trace number and an address, explaining to me that I would have to pursue the transaction further on my own. I then contacted Capital One and Kohl 's by telephone and was informed that their research department does not accept telephone calls, but was offered a fax and an address. I sent both. Kohl 's response was basically " We were unable to locate your payment, Refer to your most recent statement for the due date and amount. Please consider this the final resolution to your inquiry ''. 

I have not yet received a response from Capital One Installment Loans.. I was able to provide the transaction information from the transfer and the amount was over {$500.00}. It seems that I need some better form of recourse. 

Kind Regards, XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2022-11-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This debt is a result of identity theft I have hired a attonty because this company refuse to follow the law as to verify the debt before inserting this debt on my credit file and now i have grounds for compansation. Please hold this company accountable for not verifing the debt before adding this account number '' ' '' XXXX with XXXX XXXX XXXX. Thanks
Consumer complaint received 2021-11-29
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. (IL)

My credit report on Experian is showing that a credit card account was opened with XXXX XXXX Bank on XX/XX/2021 with my name added. Also XXXX XXXX Bank reported to the credit bureau that I live in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX while my address is in XXXXXXXX XXXX XXXX 
After talking to XXXX XXXX Bank, they have indicated that they do not have any records of a credit card under my name or social security number. 
I also spoke to Experian who informed me that will do an investigation with XXXX XXXX Bank and request to straighten the records
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

XX/XX/XXXX Banana Republic stopped using XXXX XXXX to process payments and switched to Barclays. On XX/XX/XXXX I mistakenly sent by payment to XXXX. The payment was made out to Banana Republic and had the new ( Barclays ) credit card number but they cashed it anyway instead of returning it. Barclays emailed me on XX/XX/XXXX saying they didn't receive a payment. I called and paid by phone. After trying 4 phone numbers and an on-line chat I could not contact anyone at XXXX. I contacted the PA Attorney General and they contacted XXXX. XXXX XXXX ( XXXX ) contacted me that they sent the money to Barclays. I contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XXXX ( Twice ), XX/XX/XXXX trying to resolve the issue. XXXX XXXX also contacted Barclays numerous times providing them information about the payment they sent. During the chat on XX/XX/XXXX I told Barclays I was going to contact a federal agency to resolve the issue. The next day my account was credited the {$430.00} payment along with the {$30.00} late fee. I just received a letter on XX/XX/XXXX ( dated XX/XX/XXXX ) from Barclays saying they are reviewing my dispute. I contacted Barclays on XX/XX/XXXX and confirmed they haven't located the payment that XXXX made the week of XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

This is in regards to a business saving account with Wells Fargo. My payroll was hacked and fraud occurred. A payroll payment was withdrawn from my saving account and deposited into another unknown Wells Fargo account. I reported the fraud to my payroll company. They stated they would contact Wells Fargo. Wells Fargo declined to refund the payment due to insufficient funds on the unknown account and said to contact them directly for a fraud dispute. I contacted Wells Fargo and submitted a fraud dispute. They rejected the dispute because they stated it was not reported within 24 hours. I made an additional complaint about the decision. I received an email to call them so they could get more information, I called and replied to the email. They still have yet to return any emails or voicemails. I find it very suspicious that the fraud happened with another Wells Fargo account. They have the ability to know who opened that account and the persons information. It seems as if they are trying to cover up fraud that occurred.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2024 To Whom It May Concern : My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from credit reports effectively immediately. I attach proof the XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-17
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. (VA)

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. 
XXXX  XXXX XXXX Account # 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 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery is reporting I owe a debt ; I never authorized this company to have my personal or private information. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.
Consumer complaint received 2020-05-21
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: JPMORGAN CHASE & CO. (OR)

Chase Bank would not help when XXXX XXXX scammed $ 1000.00s of dollars out of my account. 

XX/XX/XXXX {$200.00} XXXX XXXX XXXX  XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX Have called Bank for help and contacted police
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Experian has allowed this collection to be added to my credit report twice in the past 6 months. The XXXX collection in my credit report doesnt belong to me. Experian already deleted this collection in XXXX, Experian couldnt prove the collection belongs to me. It is not my account.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from XXXX XXXX.