davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I received a letter from radius global solutions for a XXXX, XXXX  stating I owe a debt of XXXX regarding My XXXX XXXX visa. I never had a Visa from XXXX XXXX. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from Radius Glodal.
Consumer complaint received 2021-08-12
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: TIDEWATER FINANCE COMPANY, INC. (OH)

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

XXXX  is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - 2 inquiries on Same date! 
XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX Tidewater Motor Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (CA)

On XX/XX/21 - I was chatting with Tesla regarding an existing Model 3 located in XXXX XXXX. After a few hours, a Tesla Representative XXXX XXXX called to inform me that there was an available Model 3 available at a much lower cost due to the previous damaged history located up north XXXX. I was told by the representative that I did not need to pick up the car until after the new year because of the holiday and knowing full well I was located in XXXX California. The rep followed the conversation with a text link directing me to the car, and I committed to paying the {$250.00} order fee because of the said car credit savings. 

On XX/XX/21, XXXXXXXX XXXX pst I received a welcome to the Tesla Family detailing tasks that need to be completed. At XXXX XXXX, I followed the Tesla tasks, had my insurance uploaded, had my credit run and was approved, and I paid the {$4500.00} downpayment requirements. 

On XX/XX/21, around mid XXXX XXXX pst I received a text message from a XXXX phone number that I will need to pick up this same day, XX/XX/21, or I will be unmatched to the car. The text message also added a link to model 3 at $ XXXX more as a replacement car located in XXXX XXXX, California, if I choose not to pick up the original model 3 ordered. I explained by responding to the text that there is no way for me to pick up the vehicle before their closing time as I am located in XXXX California and would not be able to drive or fly due to the timing of the request. Moreover, I explained that Tesla had not sent me the agreement to complete the final task or had given me the last date for pick up via the delivery task via Tesla App. 

On XX/XX/21, concurrent to the XXXX text exchanges, I had texted XXXX to inquire about the text messages I was receiving from XXXX and why he did not disclose that this would happen. At XXXX XXXX, XXXX reached out to me via phone after several frantic calls my wife had made to XXXX XXXX Tesla, promising that XXXX the rep would reach out. During our conversation, I explained to XXXX that if I had known, I would not have committed to purchasing the car if the car was never mine to begin with, now Im out {$250.00}, Tesla did a hard pull on my credit, and I made a {$4500.00} payment. I explained to XXXX that Tesla baits and switched me to a more expensive vehicle that I would not want. We finally ended the conversation that the car does not belong to me, and if no one gets matched to the vehicle after the new year, it is like nothing had happened. I told him that he needed to refund me my money, including the non-refundable order fee of {$250.00}. I explained that he should have disclosed this information to me before committing to the car, and now I have a credit pulled on my credit history, which would lower my credit score and out the {$250.00} order fee.
Consumer complaint received 2021-07-16
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)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-07-16
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: Paypal Holdings, Inc (NY)

I purchased an item online that turned out to be a scam. The amount is {$110.00}. I originally contacted my bank, but they relied on the information from PayPal and deducted the amount from my account. I never received this merchandise and PayPal has refused to refund my money even though this is a fraudulent company. This fraudulent company has sent a stolen tracking number to PayPal to show that something was shipped and delivered to my address. It was a tracking number assigned to another person who purchased an item from XXXX. My purchase was not from XXXX. It was from a group calling themselves " XXXX XXXX XXXX XXXX XXXX ''. No one responded to my email, nor is there an address or phone number for this company. I have contacted PayPal via phone and text. Either way, they would not respond to my call or text. They originally said on my first call that they couldn't do anything because XXXXXXXX XXXX  was working on it. They are no longer have anything to do with it. They charged my card back for {$110.00}.
Consumer complaint received 2021-07-09
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: Experian Information Solutions Inc. (OK)

XXXX and Experian are reporting wrong information on a XXXX XXXX XXXX account, I have disputed several times, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, They just say every time that it comes back verified and updated from their XX/XX/2021 investigation, The account numbers are wrong, ( Incorrect ) The amounts owed are inccorrect, Payment displays are incorrect. They refuse to hear my complaints. 
Amounts owed are very irregular and not consistant to what I have paid on the account. 
I have tried to call them and ask them to investigate properly and they hag up on you. 
They will not take the dispute. XXXX says that they are reporting. Experian and XXXX are not reporting the account correctly, It is hurting my credit score. I recently made a very large payment on the account and XXXX  and Experian refuse to show this also on my reports.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (CA)

Account Name : DUVERA BILLING SERVI Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX original complaint. With all the companies responses. 

Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance. 

I was. Notified today that you flagged me for non payment on all XXXX credit bureaus. 


You also stated you would stop debt collection for 90 days in the same prior communication they cfpb. 

Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days. 
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated. 

I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing. 

You have violated my right to freedom of speech. 

Your company has violated my rights multiple times. 

If I filed a complaint originally it was because you were breaking the law. 

Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place. 

So I went to court. Your representative did not show up. 

The judge waited for hours. They still did not show up. 

I was told the case was closed. 

Today I am notified that you violated my credit. AGAIN. 

what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint? 

You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it. 

You can not force me to remove a complaint against you or your company. 

Then you no showed for court. I told the judge what you did. 

So please. 

If you would like to push this matter further. I would be glad to find a very over zealous attorney. 

This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you. 

You refused to settle. 

Because of complaints I filed. 

You didn't show up to court. 

And the you violated my 90 days of covid consumer protection.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc. (FL)

I have a BinanceXXXX account. I sold my crypto and deposited it into my bank account. I need a statement to provide to my mortgage provider in order to purchase a home. I can not print one. Their system will not let me. I have never printed one prior. I contacted customer service ( ticket XXXX ). It was very difficult to get response and it was taking extended time so I had to go on to XXXX and leave comments on their site to get response. I clearly explained the issue : I need a statement but your system wont allow me to print. It says I printed over 10 times when I have never printed any. They first responded with instructions on how to print. That was not the issue. Then they replied with you printed too many times. Again, not the issue ... as I never printed before. Then they offered to send a printed copy to my email ... for {$55.00}!!!!! This is supposed to be free for customers. I should not have to pay them for a problem on their end. Then when I went back to XXXX and posted what they did they blocked me and closed my case. 
Let me add, this statement is so important because it is the last document needed to obtain my home loan. I need to provide statement to show where my large deposit came from. Without this, I am at risk of denial for the mortgage. I have two weeks to be out of my rental due to it being sold. Denial will leave me homeless. Also, the people I am buying the home from will also be in trouble because they have quit their jobs and are waiting to move. So BinanceXXXX needs to realize a simple statement can mean more than they realize.
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Hello, My name is XXXX XXXX and my mortgage acct number is XXXX. I have had multiple complaints. Our mortgage payments are constantly being mis applied and saved in reserved which is looking like we are behind in our mortgage payments. This month we only paid enough to make a full payment about with the funds that are in reserve and paid an additional amount to avoid and fees can you please look into this for me. I am unable to call due to being in a chapter XXXX bankruptcy I am unable to be assisted over the phone. 

Also my chapter XXXX bankruptcy payments are showing as less then what has been paid into the Trustee can I also get that updated. 

Thank you
Consumer complaint received 2021-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (GA)

I have filed this complaint before against a XXXX XXXX of One Main Financial. On or around XX/XX/XXXX he contacted me as to provide some relief to some extenuating circumstances as you may see in the previously closed case, he asked for a XXXX XXXX twice and the product was not subsequently provided. This case was unfortunately closed out a day before the XXXX of this month. Which coincidentally was before the XXXX grants were launched. I kindly asked for the Rep to wait while I contacted the relevant authority to understand why some billings of a certain XXXX  product happened on the eve of XXXX when ordinarily it occurs on the XXXX of each month. 

I would kindly like to reconsider and suggest keeping this case open along with one main financial, while we explore other avenues to understand why the deliverables never happened after I was so highly sought after for the financial relief product while possibly asking the relevant authority to look into the strange occurrences, such as the Black car driving beside me in tandem to the left, while a green car bearing TN tags pulled up on the right with hazards blinking flush and adjacent. 
I would like the opportunity to make observations and understand better what might be going on and this will benefit us both.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-09
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. (WA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-06-10
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. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX sent, via XXXX , usd {$5000.00} to XXXX XXXX ( Ph. XXXX ) BoA Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX as a deposit for Balsa Wood that she was going to send to my customer. 
On XXXX XXXX ' XXXX sent, via XXXX, usd {$1200.00} to complete the 50 % of her Pro-Forma Invoice, as agreed. 
Despite numerous phone calls, XX/XX/XXXXmessages, up until today I have not receive either the money back or my customer the Balsa Wood. 
On XXXX. XXXX ' XXXX I made, with the XXXXSD ( XXXX XXXX Sheriff Department ), a formal complaint # XXXX On XXXX XXXX XXXX made a fraud complaint with XXXX ( BofA ), No. XXXX
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a savings, checking, and visa card with Capital One. I charged several hundred dollars to the visa and made monthly payments, which included interest- on time. No annual fee, etc. My last payment was in XXXX for {$510.00} which included all interest and was paid on time. My balance showed XXXX. I checked my account on XXXX and it showed a balance of {$5.00}. I called - got someone out of the U.S. and they said it was interest that they had not posted before my last payment. I said I was not going to pay that. I closed my checking and savings accounts. I cut up my visa and mailed it to Capital one with a letter. Now my on line statement shows a late fee and interest on the interest for a total of {$10.00}.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern, On XX/XX/XXXX night time, and in the early hours of the XX/XX/XXXX, my credit card was stolen. I called on XX/XX/XXXX to report to Chase ( as the department is closed on weekends and only open from XXXX to XXXX EST ). I informed them of the fraudulent charges, and requested a new card. The charges were removed from my statement, and I was sent a new card. 

3 weeks later, in the beginning of XXXX, the charges were re-instated. I was surprised so I called back ( again on the next day, as the fraud department is only open until XXXX ), and the agent stated that the charges were determined to be " valid ''. This is not possible as I had already stated that the card was stolen. So, I opened another fraud case. I was told that this may take 10-15 days to resolve. My statement date is prior to the 10 days. I informed them of this, and they asked me to partially pay the payment! That is ridiculous. The charges are for numerous purchases that are typical of stolen cards : multiple XX/XX/11 's, convenience stores, XXXX XXXX, etc. These all took place in the middle of the night. I was staying at a hotel that night, and was already in bed. I can provide proof of my hotel stay if needed. I'm sure the hotel has footage of me returning into the lobby as well. 

Thank you, XXXX