davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (GA)

I am unaware of this debt. I never received proper notification of this debt via certified mail, which prevented me from disputing the information.Proper notification is required to ensure that individuals have the opportunity to review and address any debts. If in fact you believes you have provided proper notification.I request that you supply me with a certified receipt, including my name and signature on it. In order to confirm receipt of notification. This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneySpot USA LLC DBA Sunshine Loans (MS)

I checked my credit report today. Periodically I do that and I found something on there that was not mine it seems that money spot at sunshine loans has approved someone for a loan I did not receive any funds for that but it is on my credit report as a charge off I need someone to take a look at that cuz it is not mine and it's ruining my credit report and I need to I'm trying to buy a house. 
Thank you so much XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (NJ)

For reasons unknown to me my direct debit on my account was frozen by this bank. Causing me to not able to pay my credit card on a scheduled payment. Called the bank first time and they did not even bother to look into this and just lied to me that it must have been the payee 's problem. 

Had to waste my time the second time to call them again for the bank employee to eventually look into what happened to my account who at the first was still trying to tell me nothing was wrong with my account.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MO)

Received a text msg on XX/XX/year> about my contact phone number is changed on my account. Tried to login thru mobile phone app and not able to login. Called customer support ( option 8 security ) and asked informed about the message. Account was restricted. Called almost every day about status ( other than once, SOFI never called back. On XX/XX/XXXX received an email that my account restriction has been lifted. Asked about account breach and never received an answer. Next day again account was restricted. Called today and after 12 minutes on phone, account restriction has been lifted. Still no answer about account breach
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (MI)

I have no outstanding debt with Jefferson capital systems. They are providing false information stating I owe a debt to them that they purchased from XXXX  and trying to collect debt. I have no debt that is owed to Jefferson Capital. Once they purchased the old balance from XXXX  my obligation with XXXX  was cleared. I didnt not get into a legal contract with Jefferson Capital System so there for I owe them nothing and do not agree with the false information there providing.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I received a letter stating I owe a debt which is in collections, I requested a contract with MY signature. This is not my debt and I am requesting an IMMEDIATE deletion. This is in violation of 15 USC 1692g. This erroneous debt is creating issues with my livelihood.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

Amex will not credit me for over-billing committed by XXXX for over billing of {$300.00} per month for a gym membership, they also refuse to investigate for the billing issues made by XXXX for the following dates and case numbers in no particular order : XXXX XXXX XXXX XXXX XXXX card ends in XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX corresponding card number for the charges XXXX I was over-billed for my membership which was only {$330.00}, they charged me an additional {$300.00} per month for the following months listed above. 

I reached out to the business last year XX/XX/XXXXXXXX  - XX/XX/XXXX in regard to the matter, they got back to me XX/XX/XXXXXXXX  via email stating they see the additional {$300.00} charges per month for each month listed above but their systems did not have the capability of reversing the charge. 

I CONSULTED WITH THE BUSINESS FIRST AS AMEX ALWAYS TELLS ITS CLIENTS TO DO AND WAITED FOR XXXX  RESULTS OF THEIR INVESTIGATION, HOWEVER XXXX  TOLD ME I WOULD NEED TO GO TO MY BANK THIS YEAR BUT AMEX WILL NOT DO ANYTHING. 

THEY WERE ABLE TO CREDIT ME FOR XX/XX/XXXXXXXX  BUT NOT THE REST OF THE MONTHS AND THAT MAKES NO SENSE. 

I was directed by a customer service chat representative to make the dispute reason as follows : Ive been charged more than once for the same purchase However, the reason for the dispute is that I was overbilled or overcharged for my membership for the duration of my membership XXXX My membership dues were $ XXXX  monthly for my membership. 
I contacted the XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX to inquire about them overcharging/overbilling my Amex, despite invoices showing that my monthly rate was {$330.00}. They told me they would have to investigate it and would give me a call back once they had more information. They called me back XX/XX/XXXX and the staff at the gym recommended I dispute the charges with the bank because they see that I was over-billed, but they have no way of reversing the charges on their end. 
I called back XX/XX/XXXX to get more information on why this happened. They confirmed with me that my monthly dues for my membership with XXXX should only be {$330.00} per month. I was told by XXXX  that the {$300.00} charged was for another members dues during that time but due to confidentiality reasons they could not tell me who.
Consumer complaint received 2024-09-11
Product: Credit 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: U.S. BANCORP (IL)

In XXXX, 2024, there was an issue with a purchase made with my Fidelity Rewards credit card issued by Elan Financial. I immediately notified Elan of the issue and started the dispute process for the transaction. Throughout the process, Elan asked me multiple times for various pieces of information and I provided thorough documentation showing that the merchandise was returned and that the merchant failed to provide credit for the transaction. Despite the clear evidence, Elan did not help resolving the dispute and returned the disputed amount to my credit card balance on XX/XX/2024. Now I am unable to reopen the dispute on their website for some reason, but a credit of {$730.00} is still due to my account.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (LA)

the irs 1099 c form for the canceled debt, if a 1099 was in fact issued, then the charge-off amount on my credit report should be zero.

my jp Morgan credit cards were stolen and used creating a balance. These charge-offs have been on my credit report for more than a year. I have not received a 1099 for them yet. I would like proof of this ordinary income that is being reported as debt on my credit report. According to ( 15usc 1681eb ) everything I stated above is a violation. 

jpmcb card XXXX amount {$4500.00} JPMCB card XXXX amount {$2300.00}
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

Starting in XXXX of 2024 Chase allowed unauthorized charges from XXXX XXXX California that equaled out to XXXX dollars. There were 89 transactions. I called and explained this to Chase and they can only refund up to 60 days. I explained to them i dont live there, I dont use XXXX or XXXX XXXX, which is what all the charges were from. I was alerted yesterday that there were 8 charges that got denied from and they were sending me a new card. I told the representative that they should have alerted me immediately because I dont always check my account and they were all different amounts where I did not realize this was happening. I want to get my full refund and it even states on their page that you will not be charged with anything you did not authorize or do yourself. I would like to get my full refund, and I was told I would get it all except XXXX dollars roughly because its past the 60 days, this is bad business for a bank to put in a customer who has been banking with them when there are so many other options out there.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information. 
2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (IN)

Commencing on or around XXXX XXXX, 2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2024-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL INC (FL)

We were contacted by Coast Professional , Inc. Regarding a debt with the XXXX XXXXXXXX XXXX- which is part of a tax fraud case by the accountant that I hired to do our taxes. They sent a letter to me regarding a debt that they said was still outstanding with the XXXX XXXXXXXX XXXX. I called the debt collection company and paid the total bill in full on XX/XX/XXXX. I received a confirmation number from the collection agency for the debt that was paid. I then was contacted by XXXX on XX/XX/XXXX requesting that we pay the debt. I told her the confirmation number and she looked the information up and said that the debt was indeed paid in full. I then received a call from XXXX on XX/XX/XXXX requesting that we pay the debt that was owed. I again shared with her the confirmation number that showed that we paid the debt in full. She pulled the confirmation number and saw that indeed it was paid in full. In XXXXXXXX XXXX XXXX I called the XXXX XXXX XXXX just to confirm that we had paid all debts in full. I spoke with XXXX and he said there was still an outstanding balance. The debt had just been returned to the XXXX XXXX  XXXX from the debt collection agency. I shared that it was paid over a year ago and gave the confirmation number. Today, XX/XX/XXXXXXXX XXXX XXXX  I called to see if the entire debt was taken care of. They were able to find the payment that I made through the debt collection agency over a year ago, but there is still a {$40.00} and some change amount due on the account. XXXX indicated that it was for interest during the time that it was not paid. I do not feel that I should be responsible for this interest that has been accruing during the time frame that the collection agency was holding my payment hostage for over a year from the XXXX XXXXXXXX XXXX. This is ridiculous and unacceptable. XXXX at the XXXX XXXXXXXX XXXX said he is talking with his superiors to see if I will still be held responsible for this interest payment. I feel that Coast Professional, Inc- who seems to be less than professional in their business practices- should be held responsible for this interest payment.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX IN, {$940.00} XXXX XXXX XXXX XXXX, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Bluebird opened a checking account ( # XXXX ) on or about XXXX or XXXX. For over XXXX years I have tried to communicate with worthless XXXX XXXX XXXX XXXX XXXX this account. There is no online method to do so. There phone rings in XXXX where they cant and/or refuse to close the account. 

There is no mailing address on the website of XXXX or in their Terms of Service or member agreement as required by banking laws. 

Because the bank is violating banking regs, by refusing to close this account, I am subjected to fees, an unauthorized annual hard pull of my credit file, and constant harassing emails. 

I lost the debit card over 8 years ago and I cant reset the password, update mailing address, or otherwise send any written communications to them. There is a balance of XXXX cents in the account, which they can keep, if they close the account. 

My address has changed over the course of so many years and my current address is shown below, with further identifying information. 

Take due regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SS # : XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the account listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

These item that are listed in this report do not belong to me and should be removed immediately. The FCRA mandate that i am entitled to an accurate and fair credit report. 
Per the Fair Credit Reporting Act ( FCRA ) is codified in the United States Code at **15 U.S.C. 1681 et seq. ** This means it starts at Section 1681 of Title 15 in the U.S. Code. The specific law that enacted the FCRA was Public Law No. 91-508, which was signed into law on XX/XX/1970.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.