davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-21
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: JPMORGAN CHASE & CO. (CA)

Id like to make a complaint against Chase freedom who cancelled my credit card without any notification, however, there are some of the unrecognized charges which Im not aware of. I have been constantly asked to pay the bills of those unknown charges. I have sent Chase numerous letters but havent received any response. Im not sure if XXXX mails being affected by COVID-19 but Id appreciate if u could provide the following information : 1. Theres a charge of {$370.00} on XX/XX/XXXX. The merchandise is named as XXXX Vacation PKG. i wonder if my credit card was used accidentally since I sometimes use XXXX. But I never book a vacation package. 

2. Another charge of {$140.00} is showing on the date of XX/XX/XXXX. I do remember that I booked a XXXX XXXX ticket to XXXX on XX/XX/XXXX and did completed the travel. But it seems that my credit card was used again by XXXX XXXX. While I contacted the airline to make a complaint, I was told over the phone that I need to contact my bank and dispute the amount. I did try to follow their instructions but, like I said, I never heard from the bank. 

3. A {$5000.00} was charged on XX/XX/XXXX. The merchandise is named as XXXX XXXX XXXX XXXX XXXX. I fail to understand how was my credit card charged and why didnt I receive any email or text message to confirm such a big transaction. 

Id really appreciate if you look into this as Im unable to interact with Chase freedom. Also, instead of removing these charges, Chase Freedom is constantly adding late fee and interest charges on these fraudulent charges. 

Please help!
Consumer complaint received 2022-08-20
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. (VA)

I contacted ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract..however I did not give any written instruction nor did I authorize these unauthorized inquiries onto my consumer report. Attached to this complaint will be my FTC REPORT SHOWING THAT THESE ARE FRAUDULENT INQUIRIES
Consumer complaint received 2024-11-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Autovest, L.L.C. (IA)

The company treated to garnish me. Which they did some how. But I noticed that they do t have a contract between my self and them. They have taken this matter to the court which is a violation. They must have a contract to sue upon. 41 USC 6503. This is also why the court provided me with documentation that they couldnt file the claim due to lack of evidence of indebtedness. See attachment. Im not sure where they have gotten some of the information they have provided but the clerk of court would not lie. I dont k one these people. The contract shown was between myself and oak moters. I dont know auto vest or the betrothe law people. They have unjustly collected money from me based on a threat.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (DC)

In accordance with the fair credit reporting laws. These list of companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, they reported inaccuurate information and then updated inaccurate information to their liking without removal. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

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 2020-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX shopping account online hasrequested i show proof that theVisaBank of debit card that i put on my account but comes up in XXXX system as a Bank of America-and XXXX card. Bank of America finally a company has requested proof of my debit card  ending in XXXX being on my sole bank of america account. I CAN NOT send them proof Bank of America because as i have complained since XX/XX/XXXX there was a checkcard scheme attached to my monies. NO WHERE is my debit card ending inXXXX logged by myboa statements since XXXX that i was issued as per summerall boa regulatory respinse thru the cfpb summerall states the XXXX debit card was issued to me in XX/XX/XXXX ON My BOA bank statement as i have been reporting to the FTC the OCC and the usdept of Justice and the cfpb ... .NOT Once is my debit card recorded on my boa statements. if boa checks the digits ' on my debit card as per XXXX it is invalid. XXXX had it asa bank of america and XXXX XXXX XXXX, so there is a BOA wealth management account opened in my name and i am requesting from BOA to reveal the details. ALSO i am requesting proof of the document that states i was issued the debitcard ending in XXXX in XX/XX/XXXX and proof of it being used on my sole account ending XXXX so i can utilize it with XXXX. XXXX thinks it is acredit card so i am also requesting the details and copies of the billing statement with proof of the use of the XXXX card issued bank of america and XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I had a line of credit of {$4000.00} from Synchrony Bank ( XXXX ). I used the card for purchase two years ago. I have been making payments, and the balance is remaining {$350.00}. Suddenly, synchrony bank drastically reduced the credit line from {$4000.00} - {$350.00} and reported that I have a new usage of 96.29 %, which is wrong. When you subtract the {$4000.00} - {$350.00} I owed, it should have been XXXX remaining on the card. Since Synchrony chose to reduce the credit limit, why did the bank report that I used 96.29 % of the credit limit? This kind of reporting is very unfair and deceitful. I want them to report the correct usage because it is very unfair. Besides, i contacted the Bank on XX/XX/22 at around XXXX central time, the customer service personnel refused to resolve the matter. I offered to talk to a manager, the representative Hung-up phone on me. I have attached the evidence of the report i collected from " XXXX '' herein.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I recently spoke to a manager names XXXX regarding my account with Santander for an auto loan. We own a XXXX XXXX XXXX that we have a loan with them through. 

We had fallen significantly behind on our monthly payments due to Covid 19 and a personal family issue. I spoke with an agent to inform her that our goal was to try and begin getting the account caught up. We were prepared to make a payment of {$1600.00} to avoid repossession. 

I also stated that our account had shown as charged off since XX/XX/XXXX, the first time we had significantly financial hardship. Having the account show charged off has impacted our credit substantially. I asked her to update our credit profile once this payment was made as the account is NOT closed as it shows on our credit report. 

She said it was against company policy and that the only way to have it report or updated was to pay of or settle the loan. I requested her to reconsider as we were doing our best to catch up and she declined. I then asked to speak to a supervisor, XXXX. He said the same. Under NO circumstance would they report on time payments going forward and the account would remain in charge off / closed until it was paid off or settled. 

I said that I did not believe it was fair as they are continuing to receive my money and that I have more to risk on my credit report if I fall behind again. He said he was unable to change his mind. I was then alerted that I needed to pay {$2800.00} to keep the car from being repossessed. I asked for the tow truck company information and intended to call then until my wife calmed me down and suggested we just pay the amount. 

So, Friday I paid over {$2800.00} to bring our account current on a loan that shows charged off / closed with a bank that refuses to report it properly to the credit bureaus. 

How can they leave it in that status if they are continuing to accept my money? 
How can they call it closed or charged off if they accept my funds still? 

I would like them to update my report going forward to show the current status and status going forward. 

I do not believe this is fair treatment of me as a customer and do not believe that have a right to refuse to report this while leaving inaccurate information on my report. 

I am formally requesting they update the account to show current and future payments OR they remove this listing from my credit entirely.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but XXXX and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it
Consumer complaint received 2022-04-27
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. (NC)

In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/21 Paypal reopened claim # XXXX that I previously closed on XX/XX/21 because my bank paid final credit of {$32.00} as merchant refused to process my refund. 
This should have remained closed, but Paypal decided to reopen and review without the authorization of my bank and myself. Bank dispute closed and paid as evidenced by enclosed letter.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I submitted a application with XXXX XXXX XXXX XXXX. Application was running smoothly and on track for me to get assistance thru them to pay my default loan balance. On XX/XX/2022 I was informed by the program that my loan servicer from Wells Fargo gave them false information, causing my application to be cancelled. WELLS FARGO told the XXXX XXXX XXXX that my loan # : XXXX had been modified and that its no longer delinquent, there for I no longer qualified for the relief program. Ive contacted wells fargo directly multiple time since then to find a resolution in correcting this false information, they have refused to provide any letter stating that our loan is not modified and that it is infact still delinquent. There is a incentive for Wells Fargo sabotage any offer from any other program. The offer that wells fargo has given me, is to modify my loan to 30 year modification that would not only have me repaying them directly but also any other interest that such loan would provide to them. The application # from XXXX XXXX XXXX XXXX that was cancelled is : XXXX Thank you
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-27
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)

XXXX XXXX  XXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXX-Account # XXXX, XXXX XXXX  - Account XXXX XXXX, XXXX XXXX  -Account XXXX, XXXX XXXX- account # XXXX, XXXX XXXX - Account # XXXX XXXX 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 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 following items of information any other adverse item of information, other then 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.

My rights as a consumer has been violated.
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I received a debt collection notice from XXXX XXXX, P.A claiming I owe a medical debt of {$5000.00}. I have never done busines with XXXX XXXX, P.A or have ever lived in the XXXX, TX. I have medical insurance and Tricare has confirmed that XXXX XXXX, XXXX. has never attempted to file any medical insurance claim. XXXX XXXX, XXXX. has been listed as knowingly filing fraudulent medical debt and has been sued recently as part of a class action law suit for this. Every attempt at contacting XXXX XXXX, XXXX. has resulted in no one answering the phone and only having a busy signal. This is impacting my credit score and XXXX XXXX, XXXX. has not responded to any communications to provide an itemized list of charges, the date of charges, attempts and dates of filing a medical insurance claim against my medical insurance and producing any records of bills including certified copies of when bills/notices were sent to me from the initial due date to when the alleged bill was past due. I do not believe they have followed any notice procedures or guidelines to notify me of any bills due as I have never received a bill from them and I have medical insurance if these charges are real. 

XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They have XXXX XXXX XXXX XXXX XXXX to collect this debt XXXX File Number XXXX
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal banned and limited my account for no reason, they claim that they suspected some suspicious activity, I provide my proofs but that couldn't help they further permanently limited. 
I have loss much since I have funds inside my account. Around XXXXXXXX XXXX  Iam sadly reaching you for help. 
My paypal email : XXXX XXXX
Consumer complaint received 2020-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AZ)

XXXX XXXX XXXX  XXXX sold my debt to Radius Global Solutions. I paid Radius Global Solutions and I was told that Radius Global Solutions sent XXXX XXXX XXXX XXXX notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time XXXX XXXX XXXX  XXXX replies, they continue to update that the amount is owed to them. I am attaching the letter from Radius Global Solutions as evidence that the debt is paid.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial (TX)

I have reached out to this company numerous times about my identity theft as a result an account was open with this company that I did not authorize or have any knowledge of until recently but I disputed this with the company directly and they haven't taken it completely off of my credit profile yet it needs to be removed immediately
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXXK complied with this requirement.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX