davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (SC)

I called the XXXX credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00} , XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX  XXXX Balance : {$7800.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XX/XX/2021.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

THE FOLLOWING ACCOUNT IS IN VIOLATION:06 XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-12
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-21
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. (TX)

It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the XXXX XXXX  and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

XXXX has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files Equifax and XXXX still have the accounts on my files as well but they have not increased my credit usage like XXXX did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

An appliance I bought on my card is poor quality. The legs of the refrigerator can not stand the weight of the refrigerator. 

I filed a billing dispute with my credit card company, JP Morgan Chase. In violation of 15 USC 1666i, Chase  has still have not removed the charge. 


XX/XX/2018 THE XXXX XXXX {$740.00}
Consumer complaint received 2019-06-16
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: LEXISNEXIS (VA)

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX19,XXXX19,XX/XX/XXXX-19,XX/XX/XXXX19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # XXXX
Consumer complaint received 2021-10-13
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. (CA)

I reported an incident of dentity theft to equifax and submitted police report and several disputes to remove the hard inquiries that were fraudulently obtained from my credit report. Equifax has not removed them and closed the complaint. Even though one of the creditors ( XXXX XXXX ) has sent them a letter to remove it on their behalf. The case has not been resolved although I have submitted documentations both on this website and by mail. I am not satisfied with the resolution and am submitting another complaint. Please see original complaint below : I have recently been the victim of identity theft and have had several hard inquiries from federal credit unions that I have never heard of. I have contacted all of the creditors and the hard inquiries still remain on my equifax report negatively effecting my credit score. I have frozen all three credit reports and placed a security alert on my account. I would like the following hard inquiries to be removed XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2021 : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NM)

I sent an International Wire Transfer on XX/XX/2021 to my uncle, still they have not received the funds. I sent amount of {$120000.00}, this is a very big amount for me. 

I am XXXX and it is difficult for me to do this big amount wire transfer online, so I went to Wells Fargo Bank located in XXXX New Mexico. Banker put wrong information initially and we were told that they have rectified this matter but it has been more than two weeks and no sign of funds. 

I have visited the same branch to trace or track where my money is, as my uncle has not received these funds. XXXX tried to contact their XXXX customer support but always they would give a Case Number and told us that they will put this case on high priority but I have not received any progress and my uncle has not received these funds. It looks like to me that Wells Fargo Bank has duped me of {$120000.00}. No one is willing to help. I have been calling Wells Fargo Bank 's XXXX customer service numbers but they keep transferring me to another department, been on the phone for XXXX XXXX  at least XXXX days but no one is willing to resolve this matter. 

WELLS FARGO BANK STOLE MONEY FROM ME. I can not use this funds and my uncle ( recipient ) can not use these funds.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (LA)

Re : Unauthorized Debit Dear Sir/Madam : Please be advised the purpose of filing this complaint with your agency is to seek your assistance regarding an unauthorized debit by ( Chevron ) a merchant. It was on XX/XX/2019, when the merchant ; Chevron fraudulently processed an unauthorized payment for the amount of {$470.00} which was immediately debited from my checking account. 

Most importantly, the correct payment I authorized was for exactly {$27.00}. Due to their computer system malfunction ; it processed the incorrect amount. As a result of the wrong payment being processed and submitted to my bank ; I was hit with an NSF OD Fee of {$36.00}. To make matters worst, Chevron refused to void the drafted payment and credit my checking account. 

Furthermore, I would greatly appreciate your assistance in investigating this matter. I am requesting to have this item reversed and have said funds credited back to my account. This ordeal has caused me unwarranted inconvenience and stress ; due to the fact that I live on a fixed monthly budget. 

Thank you in advance for your prompt response and I look forward to hearing from you very soon. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-08-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Purchased a car from them and set the car on Auto Pay when I purchased it. The lender took payments with no issues for 5 months. Then their system had an issue and on XX/XX/2021 their Auto Payment system did not work. The creditor reported me 30 days late which was an error on their part. I called them and I addressed this issue but they have yet to correct the reporting on my credit report.
Consumer complaint received 2021-12-20
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. (FL)

I have provided an FTC report and stated the constitutional laws that were being broken by this agency. They have replied by stating that the accounts in question have been validated by the creditor and have failed to provide such proof. Also according to the constitution, the " original creditor '' which in this case is me, I am the ONLY party that can validate such a debt. The " creditors '' that this agency is referring to is only allowed to ASSUME that a debt is valid. Along with such malpractice, agents of this agency have told me that they do things according to " policy '' & not the law. This agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they HAVE PROOF. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature & proof of identification, or presence.
Consumer complaint received 2021-10-13
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. (NY)

I went to go and trade my car in since Im XXXX and the car dealership said I would have to get something smaller than what I have because of my credit. I didnt understand why so I went and looked at my credit and I see accounts on there that is not mine XXXX, XXXX XXXX and XXXX. I have filed a complaint with the FTC and contacted the police here. Im doing this on my own and need some help taking these accounts off my credit.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Resurgent Capital Services L.P. (GA)

I had 2 accounts with XXXX XXXX XXXX. I closed both of them at the same time, one had a balance of less than {$10.00} and the other one was over {$1000.00}. I have been paying on the higher balance one as I agreed with the amount owed. 
The account ending in XXXX I disputed with Resurgent. They sent me the statements and there are 3 months of no statements where the amount owed went from less than {$10.00} to over {$1700.00} and kept accruing interest and late fees, now totaling {$2100.00}. I have repeatedly asked for them to show where the charges came from on a closed account. The last agent I spoke with at Resurgent advised me that I have to prove I didn't make the charges. No, you have to provide me documentation showing where the charges came from, which they have repeatedly failed to do so. 
This account was closed, I would be happy to pay the balance that was showing on the final statement that was less than {$10.00}, but I will not pay for any more as I didn't have the card and they can't provide what the charges were after the final statement I had originally received.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TN)

Per complaint XXXX, I disputed account on the XX/XX/2021 and the collection agency continued to call WHILE THE COLLECTION WAS STILL IN DISPUTE! That is what the first complaint was about but the collector refused to acknowledge. It states with XXXX  that you do not have contact with the collector while in dispute which is why I am questioning the validity of this debt. But the only thing that should be addressed NOW is why I was still receiving calls while my collection was in dispute. See the complaint number listed above for call logs showing dates times and phone numbers associated with hunter warfield.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

I was told I owed {$3000.00} to XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was contacted by Transworld Systems Inc., the debt collector in question. I was charged on XX/XX/2022. I filed a complaint to the company saying that this was the result of identity theft. Transworld Systems Inc. is located on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX. Their contact phone number is XXXX.
Consumer complaint received 2022-02-02
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. (CA)

Pursuant to 15 US Code 1692 ( a ), there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. These practices by Equifax have been detrimental to my life. I have lost out on job opportunities. This has caused lost wages for me. This has caused physical stress on my body, having to work harder physically in order to maintain financial matters. This has caused mental anguish for me, especially during the times of my parents passing. Lacking the funds to properly burry my parents has been the absolute worst, and their inaccurate and unfair reporting has contributed to this.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

There were international unauthorized transfer 4 transactions with in two days for total amount {$190000.00}. 
1 ) The bank didn't alert me when the transaction was processed.

2 ) After I found out, I filed the claim, but I believe they didn't take it seriously, they said they can not do anything about it and recommended me to contact the beneficiary. 

" JPMorgan Chase has made several attempts to recall the funds on your behalf but unfortunately they have been unsuccessful. We recommend that you contact the beneficiary and attempt to settle the matter directly. '' I don't know who the beneficiary is, I don't know how they expect me to contact them. 

the money transferred to XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Direct Mediation (LA)

XXXX XXXX has been calling my number repeatedly several times a day.. He also is calling family members and my place of employment. He calls from a number XXXX with a name showing XXXX XXXX on caller ID. He leaves a number XXXX, ext XXXX to call back.. The company is showing First Direct Mediation if you XX/XX/XXXXnumber. 

His message states ... .. " This is XXXX XXXX XXXX I am calling for XXXX XXXX. This is my final attempt to contact you regarding your paperwork that will leave my office at the close of business today. Due to your negligence and responding, you will be reported as non compliant. To stop these proceedings, either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

Another message left on my phone and my sisters voice mail. 
" This is XXXX XXXX. I am calling for XXXX XXXX. My office has been retained to retrieve a statement under a pre-litigation complaint that has been filed by my client file number XXXX. Prior to any further proceedings on the state law, you are permitted only 48 hours to respond with a formal statement. Either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

These people in my opinion are trying to use these scare tactics and it will not work on me.. I won't answer their calls and have blocked them until they call from another spoofed number.
Consumer complaint received 2021-10-13
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: JPMORGAN CHASE & CO. (NY)

To whom this may concern, Regarding Missing Points from Chase freedom unlimited signup bonus. 

Let me take you back to XX/XX/XXXX  the last day of the promotion for Chase freedom unlimited, as seen attached ( dates & times in links ) I applied for the card and was approved before end of business day, when I click the link as I do before every card I verified that's a promotion included {$200.00} cash back after spending {$500.00} as well as 5 % cash back on up to {$12000.00} of groceries. 

Fast forward a couple months i spent well over the threshold for the grocery deal, upon checking my account he realized he only received 1.5 points Upon contacting Chase at all different levels to no avail my client was turned down saying there's nothing they could do To break it down as seen above we're talking about 5 points on {$12000.00} = 60K points Deduct 18K points ( already received as standard 1.5 ) *Total Missing 42,000 chase points Here are the links that speak about the promotion dates and times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are links that the End date is included .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 XXXX. XXXX