davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
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. (AZ)

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 2021-07-22
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. (NY)

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 XXXX 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 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have disputed multiple inaccurate accounts with Experian, XXXX, and XXXX  and they have failed to perform a proper investigation as per FCRA. Now they continue to report Derogatory accounts that are past 7 years from first date of delinquency and that is a FCRA violation!
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (ME)

I made a hotel reservation located in XXXX, MA ( online ) with XXXX, the Website was very confusing because of many flashing and pop-in advertisement, I used my Chase Visa Card ( account ending in XXXX ), my medical appointment was cancelled ; therefore I called the XXXX and the Hotel itself 72 hours in advance, they did not accept my request. XXXX charged this amount to my card. 
The point is that the Hotel did not give me the Number of a Room RESERVED for me, it also means that they gave the room which could have been given to me to someone else ; this way the Hotel charged for a Room twice, which is a FRAUD. 
Chase Visa initially issued a credit, but then later sided with XXXX, I provide all the documentation to Chase Visa but to no avail. Chase Visa has reported this to 4 credit reporting companies, of course this will affect my Credit Rating. 
XXXX has been doing for quite sometime by mixing refundable & nonrefundable transactions together, it is fraudulent & unethical because NO ROOM was kept VACANT for me.
Consumer complaint received 2021-07-22
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I looked at the activity within my Bank of America ( BofA ) XXXX XXXX  Checking account and noticed I had been assessed a maintenance fee of {$12.00} for XXXX and XXXX of XXXX. I reviewed the bank 's fee schedule and saw that they required a minimum average daily balance of {$1500.00} or {$250.00} direct deposit to waive this fee. I only have been able to maintain a direct deposit of {$25.00} going into the account for XXXX and XXXX, and the average daily balance was below the minimum daily balance. 

I called BofA customer service at XXXX XXXX on XX/XX/XXXX to request the fees be reversed on the basis of a customer service gesture, but was denied. I informed the agent, XXXX ( in NJ ) that my girlfriend recently had several of the exact same fees reversed from her account ( also an XXXX XXXX checking account ). After stating they would not reverse the fees, I requested to speak with a supervisor. XXXX informed me that his supervisor, XXXX, would call me within XXXX minutes, but as of XX/XX/XXXX, she never attempted to call me. 

I called BofA customer service again on XX/XX/XXXX to notify them that the supervisor didn't call me back and to again request for fee reversal, which was again denied. Based on my girlfriend recently having the same fees reversed, I feel BofA is summarily discriminating against certain account holders on the topic of fee reversals. I submitted a request with the agent XXXX XXXX, VA XXXX this morning to close this checking account with BofA.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NY)

I sent a response letter to the collections agency and the company have not validate the debt. Printouts of a bill or itemized document does not constitute verification nor validation of the debt. They have not supplied proof of a signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Nor any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WorldRemit Corp. (CA)

On XX/XX/2021, I canceled a transaction With World Remit in the amount of {$740.00}. They refunded that amount but they took it again on the same day on XX/XX/2021. I called my bank in XXXX XXXX XXXX  to complain about it but did not take action on it so I called The World Remit where I canceled the transaction stating that they are going to conduct an investigation but I knew they or I got a feeling that they are not going to do it so I will forget after that. Please help me get my money back from World Remit. Thank you in advance XXXX XXXX XXXX, XXXX. 
XXXX cell
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S (ID)

I XXXX XXXX a federally protected consumer was sent a collection notice from SUTTELL & HAMMER ATTORNEYS AT LAW on XX/XX/XXXX. SUTTELL & HAMMER ATTORNEYS AT LAW has threatened me and used abusive tactics in their letter sent to me, which I did not give them permission to send me in the first place.

SUTTELL & HAMMER ATTORNEYS AT LAW has violated federal law when they sent a bill to my home saying that I owed them {$2000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ), 15 USC 1692B ( 2 ) 2 TIMES and 15 USC 1692c ( by sending the letter to my home ). 15 USC 1962 TWO TIMES, 15 USC 1692E ( 10 ) FOUR TIME and 15 USC 1692E ( 3 ). There was no proof in the letter that said alleged debt was owed, just some nonsense about XXXX, XXXX being the creditor, with no factual evidence to back it up. 
I am suspecting this is identify theft on my end. I sent them over a debt validation letter along with a cease and desist and a affidavit of truth along with a {$10000.00} invoice for their violations against me. This was all sent via return certified mail sent on XX/XX/XXXX and an individual received this on XX/XX/XXXX at XXXX.
Consumer complaint received 2021-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (SC)

I XXXX XXXX went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Chrysler Capital took cash. The finance charge is suppose to include insurance, but Chrysler Capital made me purchase insurance separately. The finance charge for this consumer credit transaction was {$7700.00} and Chrysler Capital charged {$43000.00} which is fraudulent. Chrysler Capital also didn't give me a right to rescind and under Truth in Lending thats a violation of 15 USC 1635. Chrysler Capital also sent someone to my residence to pick up the vehicle which is theft and sold it for {$19000.00} even though the finance charge was paid. Chrysler Capital took it a step further and sold my account to a 3rd party debt collector and placed negatives remarks on my consumer reports. Now I have a some debt collector who I've never done any business with is harassing me by mail and they too have placed negative remarks on my consumer report which is a violation according to the FDCPA. With the actions of Chrysler Capital it has really been a burden on me to provide for my family because I am being denied a right to credit from the negative remarks from Chrysler Capital.Chrysler Capital sold the account and continues to report it on my consumer report. I loss my business because the property Chrysler Capital took was a XXXX  vehicle which ruined my income and the stability of my finances.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MS)

In XXXX of 2021 XXXX made an unauthorized charge to my checking account. I disputed the charge for fear it was fraudulent. My bank saw it fit to reverse the charge and permanently give my money back. XXXX says it was a level up paymet to add money to my XXXX account. I have never authorized such a transaction, when I use XXXX  it draws from my debit card with my bank. I have no need of a XXXX balance. I never authorized the transaction, and I can find no record of authorization. XXXX has been very unclear. I have disputed the charge, I have chatted with a customer rep from XXXX, I have spoken on the phone with a rep as well. I have also emailed XXXX. They have been of no help. All they want is for me to make the payment they could care less that I never authorized the charged. They made an error and they want me to pay for it. They also sent me to third party collections and the collections agency has contacted my parents and spoke to them over the phone about the debt, they also sent a letter to them and they opened it.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (FL)

Ive contacted The XXXX  XXXX more than one also contact the consumer reporting agency to get the issue resolved. XXXX  XXXX XXXX Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted XXXX  XXXX XXXX multiple times asking for validation of this this so called account. Ive attached both what the XXXX  XXXX has written about me and also the response of XXXX  XXXX XXXX. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The XXXX  XXXX removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. 

XXXX  XXXX XXXX is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. 

The XXXX  XXXX is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. 

attached is proof of my address, identity and also Exhibit A XXXX  XXXX reporting wrong information Exhibit B XXXX  XXXX XXXX proof of violation 15 USC 1692 ( B ) ( 2 )
Consumer complaint received 2021-07-22
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: ENCORE CAPITAL GROUP INC. (NJ)

Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 Please remove this inaccurate information from my credit report. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-22
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: Echelon Financial, Inc. (CA)

I did not agree to this service. I called to cancel. Rather than cancel and issue a refund, the rouge agent began to warn that my information could end up in the wrong hands. I understood that to mean he was going to make sure it did. 

He agent then hung up on me. No refund was issued. ( I believe if I become a victim of identity theft it will be the result of this agent releasing my personal information ).
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (WA)

This Mortgage was supposed to be protected by the CARES Act and was supposed to have payments paused during the pandemic. My other mortgage had the payments paused, but this one didn't even though I called them, requested it and was approved. I have reached out to them and they acknowledged it was a mistake, but they have yet to fix it on my credit report. Now it's reporting late and I have no way to refinance and pay off this loan.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (PA)

I received a debit card from US Bank that I did not apply for. Not only did I not apply for it, it came in a last name I have not had for almost 20 years. The last name is no longer used as I divorced. I called US Bank to attempt to report this situation. I was asked my social security number, my date of birth, the debit card number received and my legitimate credit card number I have with US Bank. When I was asked my login for my credit card, that is where I drew the line. I should have stopped giving the other info sooner, but I figured it was my credit card company for about 12 years, they must be asking for legitimate reasons. I then asked to speak to a supervisor. I was told no supervisor was available, but when one was, I would receive a return call. I never received a call back.
Consumer complaint received 2021-07-22
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: MicroBilt / PRBC (formerly CL Verify) (VA)

I spoke directly with the consumer reporting agencies on XX/XX/2021 & XX/XX/2021 after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (CA)

I had a joint owned CD with my husband with navy federal credit union. He closed the CD without my knowledge and NFCU transferred these funds into his acct at NFCU of which I was not a joint owner.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.