davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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: EQUIFAX, INC. (SC)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express just notified me that they are charging me a fee AFTER I already closed my credit card. I closed my Platinum card ending in XXXX on XX/XX/2020 with XXXX balance. Today, 9 days after the account is closed, I received a notice that they are debiting {$120.00} and {$75.00} for a total of {$200.00} on that account. The reason is that they are " offsetting '' a merchant credit that took place back on XX/XX/2020. 

It is unacceptable that American Express is charging an already closed credit card for something they claim they made an error for back in XXXX. Furthermore, if they had notified me of this issue before the card was closed, I could have used the opportunity to use the {$200.00} credit for something else. Instead, American Express waited until the card was closed to unilaterally make this charge, without my consent, and with a closed card there is nothing I can do about it. American Express is refusing to assist to resolve this unfair treatment that occurred due to their own error. Please help!
Consumer complaint received 2020-05-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

I purchased a home in XXXX of XXXX. We financed using a local XXXX XXXX XXXX   division recommended by our agent. We were told that our loan would eventually be transferred to a new provider but to make payments over the phone to the local branch in the interim which we did from the time of closing through XX/XX/XXXX. I paid the mortgage for XXXX and XX/XX/XXXX on XXXX via credit card as I have done for the past 8 months. I received a notice in the mail saying my account had been transferred to a new provider and was given a new loan number, as well as notices from the new provider ( Dovenmuehle Mortgage Inc ) that I owed over {$3000.00} for the months of XXXX and XXXX which had already been paid. I contacted Dovenmuehle Mortgage Inc with the number provided on the notice and was told to email a general customer service inbox with copies of the receipts so that they could " locate where the money went ''. I sent the email 5 days ago and have still recieved no response, and have gotten more notices saying I now owe late fees for an account I paid far ahead of time.
Consumer complaint received 2020-05-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Recovery Systems (TX)

Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

So we get a A phone calls saying my nephew is in jail and his bond was {$6300.00} and they needed 10 % they put a person on the phone who was crying and it did kind of sound like my nephew so of course were in a panic him his name was XXXX XXXX that was the lawyer that called and he said since the court was closing and during the pandemic we cant go in so he gave us a name for XXXX XXXX who is a XXXX agent who is in charge of all of expunging records like a program once its completed and he told us to go to a PNC Bank XXXX XXXX XXXX. and we get there he gives us a one time access code I had to do it three times because you can only do so much at once we put {$6300.00} in after that I would say within 30 minutes we started to realize it was a scam I reported it to the police I reported it to the bank right away the bank did nothing told me they couldnt freeze the account until further notice so this money is probably gone their exact words was its a he said she said issue and the detective would have to subpoena everything and I would have to hire a lawyer I have bank receipts and you can see me on the ATM it also gave me an email when I did it which was XXXX XXXX the officer was XXXX XXXX case number XXXX the ATM is XXXX XXXX PM and its called a card free ATM access. Im surprised at the bank said they sent it to the escalation department but didnt do anything to this other persons account they didnt freeze it they didnt put it on a hold they just let the funds go because I am not personally a PNC customer my XXXX is and because of that its making it harder according to them I am frustrated with how the whole system is with the Police Department FBI department and the banking department there should be more things put in place to protect people
Consumer complaint received 2021-08-21
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. (GA)

On XX/XX/2021, I sent out a letter in regards of multiple inaccurate and unknown listings on my credit report. To date, it has been over 60 days and I have not received a reply or any acknowledgment that any action has been taken. It has been over 30 days and based on Section 611 ( a ) failure to investigate these items give a reason to remove these items from my credit report immediately. I demand the items be removed immediately or I will be forced to go about filing a litigation due to the stress you have caused me. My personal information is at high risk and could in the wrong hands being being that it was impacted from the Equifax data breach.
Consumer complaint received 2021-11-24
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. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

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 : Collection : XXXX XXXX balance {$0.00} ; XXXX XXXX balance {$860.00} ; XXXX XXXXXXXX balance {$170.00} ; XXXX XXXXXXXX balance {$400.00} ; XXXX XXXX XXXX balance {$55.00} ; XXXX XXXX XXXXXXXX balance {$500.00} ; XXXX XXXX XXXXXXXX balance {$880.00}
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CARD Corporation (CA)

I got a card.com card specifically for the XXXX they offered to me and my friend the referrer if I satisfied their direct deposit amount by a certain date. I got the dd info immediately online they said I could set it up even before my card came in mail I gave it to my employer and they tried to do my pay it wouldn't work .I never got my card and I had moved so I called them to advise and that my dd wouldn't work they said they would send a new card and to try dd again I did again my employer tried it didn't work. I got a card and after 3 attempts my pay went on there but then they never gave me or my friend the XXXX and when I called about it they denied us because its only for " 1st '' time 1st card issued. Because I never did get my card the first one nobody knows still where it is, and tgey had sent a second card which I have now they say im not eligible! Thru no fault of mine, the card I have was and is my first account and card with them they know I never received first card, they are calling this card my 2nd card! They are rude and wouldn't link me to anyone for escalation so I quit routing my pay to card and now tgey keep charging me every month a service fee for not having my dd now I am on unemployment and I need that XXXX for me and my friend .we met their requirements and I have never gotten or been able to use the first account because I never got a card XXXX is their number XXXX bank is issuer through card.com.
Consumer complaint received 2021-02-21
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

Also attached this as pdf for better readability : Item No. 1. UNFAIR : Credit account mentioned above in reference is closed. 

Detail : Your Company has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. 

XX/XX/XXXX During my call to your support center, your representative told me that your account is good standing and keep using it. 

XX/XX/XXXX I tried to use my discover card and for the small transaction of XXXX dollar and it was declined. I did not understand the reason. This very day, I called your support center to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. 
This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. 

XX/XX/XXXX I received statement I have credit balance of {$17.00}. 

XX/XX/XXXX I was notified by the bureau of significant decrease in my credit score Item No. 2. UNFAIR : Hard Inquiry by your representative on XX/XX/XXXX, further dropped my credit. This action was NOT required. As the situation is UNFAIRLY handled by your company and I was misled. 
Item No. 3. INACCURATE : Credit report has comment on closure of Discover credit Account closed at consumer 's request I have never called in and did not act to close this account.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CO)

I have reached out to both XXXX XXXX and UAS and have spoken on the phone with agents from each company more than 5 separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX  continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to XXXX XXXX via their website chat and was told to open a dispute with XXXX, I created a dispute with XXXX twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.
Consumer complaint received 2023-07-06
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. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2021-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RC Willey (CA)

RC Willey has misrepresented the amount I owe and have taken an action that threatens to take this to attorneys to charge for the amount I do not legally owe. RC Willey is giving false information that is deceptive and misleading information. 

The items that RC Willey is claiming is significantly more and has been reporting this incorrectly to the credit bureaus. I have communicated that the deliveries have not happened and demanded a full refund. 

The company has failed to provide a refund and since I did not receive the merchandise I am hereby asking for assistance. 

RC Willey is violating the Fair Credit Reporting Act and acting unethically as I have sent them various emails to address this matter and have gone without response other than threats.
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MD)

I am sumbitting this complaint because I dont know what else to do to get a solution or at least a response from JP Morgan Chase Bank. 

Chase is not respecting my rights as a consumer. They are violating the FCRA, and I really hope to get a solution because this issue is overwhelming for me now. The account is the following : business account XXXX, opened by XX/XX/2018, limit {$56000.00}. 

I need to express that this situation is causing me XXXX XXXX, and I need chase to take the right action on this. I am demanding Chase to remove the item. That is the less they can do after all the issues that Ive been through because of their erros, negligence and unfair business practices, and some other serious violations such as reporting a business account as personal account, etc. 

Please send the attached documents to Chase. 

Thank you!
Consumer complaint received 2022-12-31
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. (GA)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXXXXXX Balance : {$1400.00}. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2020-05-12
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXXL XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}
Consumer complaint received 2022-04-05
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)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECTED the account in my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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. (NV)

I am writing this due to non-compliance with the XXXX, XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.