davidheineman/consumer-finance-complaints-large huggingface dataset:
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: AMERICAN EXPRESS COMPANY (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., Capital One, Santander, 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

In 2022 a person by the name of XXXX XXXX used my social security number without my knowledge in order to get XXXX XXXX to open an account at XXXX XXXX XXXX XXXX TX. She did not pay her bill and owes {$380.00} according to Waypoint Resource Group debt collection services. After verifying that the account is indeed fraudulent with XXXX XXXX and Waypoint Resource Group, XXXX has refused to remove the address of this person and has refused to remove the debt. I have submitted police reports from XXXX XXXX here in Texas which are available via public record. I have submitted the Consumer Financial Protection Bureau case with Waypoint Resource Group. I also submitted an email via Waypoint Resource Group confirming that this is indeed fraud and should be removed from my account. XXXX has replied that my police report doesn't look valid even though it has come directly from the XXXX XXXX Sherriff 's department and will not acknowledge that Waypoint Resource Group has stated that the debt is fraudulent and not mine. I have spoken with numerous people from the fraud department to remove the debt and after following all of the requested protocol, the debt and fraudulent address. I have done everything that has been asked of me and have more than proven my residence and identity. I need the fraudulent debt to be removed as I have requested, Waypoint Resource Group has requested, and XXXX XXXX has requested. Thank you!
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (AK)

n 2019 when I was applying for the XXXX XXXX XXXX XXXX, the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen.
Consumer complaint received 2024-09-18
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: Sentry Recovery and Collections, Inc. (NV)

Sentry Recovery and Collection has not responded to my request for an investigation for a debt they claim i owe. it has been more than 30 days since the signed for the letter on XX/XX/year>.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc (FL)

XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATION!! I Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-09-06
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. (PA)

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX on a Sunday night my card was used at a XXXX XXXX XXXX XXXX approx half hour from my home address! I did not notice this charge u til approx 6 days alter when my accountant reached out to me and told me this charge was on here and that it was NOT INCLIDED IN MY monthly information and in our stuff. So I checked and immediately called chase! The representative helped Me with finding information out about the charge the company the time frame everything so that I could properly dispute! I then reached out to this company that told me my information was NOT IN THEIR SYSTEM MY NAME MY info my card nothing so therefore I immediately told them my card was used by XXXX XXXX XXXX and Im not ok! This is inaccurate and derogatory and fraudulent and its not ok that the company chase KMOWING THAT I HAVE PROOF AND WILL NOT TOLERATE CHASE NOT PROPERLY DOING THEIR INVESTIGATION AND WRONGFULLY SAYING THIS VLAIM IS MINE AND IT IS NOT! I will never pay for a thief and chase did not properly investigate or give me my temporary credit which by law in pa is mandatory until the outcome of the claim! I do not appreciate how incorrectly this was handled and I dont care if it is XXXX XXXX I WILL NOT PAY FOR A THIEF! Chase YOU ARE WRONG AND U DID NOT INVESTIGTAE THIS CLAIM PROPERLY AND I AM GIVING THE CFPB ALL PROOF ALL REPORTS AND I WILL BE CALLING THE FTC AND THE XXXX I will not let you let a fraudster steal from me and THEN U DENY MY XXXX XXXX  claim! I work to hard I have proof this is not mine I never authorized it and I was never present at this location when my card and or card information was stolen! You immediately need to reopen this claim and reinvestigate and give me my temporary credit of XXXX or I will call my attorney and keep going forward with this derogatory and predatory lending! You are insured to protect me the client and I am done with chase after this! You let their companies win and steal from me the hard working consumer and I will expose you I AM PROVIDNG THE CFPB AND THE XXXX AND The FTC ALL OF MY REPORTS AND CIOIES AND RECORDED CONVERSATIONS WITH CHASE AND THE MERCHANT! I have uploaded all reports and the chase proof that they stole from me then gave me the credit then took it back and I want my nsf fees I received three of them for this fraudulent transaction!
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (NJ)

On XX/XX/2023, I received a notice from XXXX XXXX stating that they received a court order, which either enforces a legal judgment against you or secures a possible judgment in a lawsuit that's been filed against you. As a result, they immediately placed a hold on a joint account that was in my husband 's and my name. It also stated that we aren't able to withdraw any amount that reduces the balance below the amount of the hold until the hold is released. The amount that was taken from our account was {$4800.00} plus a {$100.00} Legal Processing Fee. XXXX XXXX also stated that they might charge us, and we are responsible for the bank 's fees if they are required to obtain outside counsel. 

I was not aware of any judgment until XX/XX/2023. I did not receive any certified mailing from any company. After contacting the bank, they gave me a number to contact XXXX XXXX. I called XXXX XXXX on XX/XX/XXXX, and he, in turn, gave me a number to contact Pressler, Felt & Warshaw. I called Pressler, Felt & Warshaw on XX/XX/2023, and was told that for the funds to be released, I had to pay them. I explained that the money that was taken came from a joint account and that we had a house fire, and that the funds in the account were from that insurance company and it was to pay for the contractors. 

The Pressler, Felt & Warshaw representative wanted me to show that the money came from an insurance company. I submitted the bank statements showing that the funds were from the homeowner 's insurance company on XX/XX/XXXX at XXXX XXXX. I called Pressler, Felt & Warshaw again on XX/XX/2023 XXXXXXXX XXXX, and asked when the funds will be released so that we can pay the contractors. I was told that I needed to send them more bank statements, and if I did not, they would take all the money. I explained to the representative that the money came from a joint account and the account is in more than just my name. 

I was told that It did not matter ; they could keep the funds. I asked that the account be noted, and they know that it was a joint account and the funds came from our home insurance company to pay for supplies and contractors due to a house fire. I submitted more bank statements to Pressler, Felt & Warshaw XX/XX/XXXX at XXXX XXXX. I then called back on XX/XX/XXXX at around XXXX XXXX and the representative said that if I want the money then pay them via credit card, or they are keeping the funds that they took. I explained once again that the money is to pay the contractors that were working on the house and the funds came from the home insurance company to pay the contractors.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AL)

I received a purported debt validation letter that appears to be a resolution offer from Radius Global Solutions LLC. This correspondence failed to include any statutory dispute rights. Pursuant to federal law, they are mandated to incorporate a statement affirming my right to contest the debt within a 30-day period, along with the specific end date of said period, which was conspicuously absent. My unawareness of this omission has consequently deferred my response to the company.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

On XX/XX/22, I discovered that RESERGENT CAPITAL SERVICES conducted an unauthorized soft inquiry on my credit report without my consent or a permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

I did not apply for any credit or services from XXXX XXXX XXXX, nor did I authorize them to access my credit report in any manner, including through a soft inquiry. Under the FCRA, a company may only obtain a consumers credit report for specific purposes, such as when the consumer applies for credit or if they have a legitimate business need related to a transaction initiated by the consumer. XXXX XXXX XXXX did not meet any of these criteria, and therefore, this inquiry constitutes a violation of my rights under the FCRA. 

While this was a soft inquiry and did not directly impact my credit score, the unauthorized access to my private credit information is a violation of federal law and an infringement on my privacy. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : This section of the FCRA outlines the permissible purposes for which a company can access a consumers credit report. The law specifies that a credit report, even for soft inquiries, can only be obtained for certain legitimate purposes. 
15 U.S.C. 1681n : This section provides for statutory damages of up to {$1000.00} per violation for willful non-compliance with the FCRA, even if no actual damage occurred.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I believe that my personal information has been reported to your database without my explicit consent or authorization, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Under the FCRA, consumer reporting agencies such as ChexSystems are required to have a permissible purpose to obtain and report consumer information. I have never granted any consent for my information to be reported to ChexSystems, and I am requesting immediate action to rectify this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IN)

Factual Data has been reporting a bankruptcy on my report from XXXX, which shows no information verified, nor if the bankruptcy was DISCHARGE or DISMISSED. This has affected my credit report tremendously which has many errors, place by XXXX. As you can see United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  stated that they do not validate from consumers files, this was an error which XXXX and XXXX remove the bogus information being report. XXXX XXXX illegally keep using false information in which this has been an error for years and fail to verify that the bankruptcy was in fact error in cross reference to another individual. I have fought for years to finally have this remove DELETED from XXXX and XXXX. Therefore Factual Data has provided false information and also the fact of not showing when this case was file if its discharge or dismissed. There is no verifiable information listed with Factual Data. The information was verified with XXXX not the XXXX  Federal Court this agency lied to avoid the truth that the account was place in error.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

On XX/XX/year>, I received my first email from Columbia Debt Recovery LLC DBA Genesis regarding a debt of {$1700.00} from XXXX XXXX XXXX However, this debt had already been reported to my credit report on XX/XX/year>. I was not notified of the debt by mail, which is required by the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA states that debt collectors must notify consumers in writing within five days of the first communicationspecifically by mail, not email. 

By reporting the debt to my credit report before notifying me, and by failing to notify me via mail, Columbia Debt Recovery LLC denied me the opportunity to dispute the debt. This has unfairly impacted my credit score. 

I have since sent a formal request for debt validation to Columbia Debt Recovery LLC, disputing the debt and requesting that it be removed from my credit report due to improper notification. I would like this debt removed from my credit report and for their collection practices to be investigated for violations of the FDCPA.
Consumer complaint received 2024-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance (TX)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-06
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: FIRST PORTFOLIO SERVICING INC (WA)

I keep getting harassing calls from various numbers I blocked saying they are trying to collect a debt, that is old, disputed, removed, and deleted from my credit reports trying to offer me deals I am not obligated to pay in the excess amounts of XXXX, XXXX, and XXXX dollars, which I do not owe WHO ARE TRYING TO XXXX XXXX  OVER MY CREDIT REPORTS I HAVE WORKED SO HARD TO FIX FOR THE LAST 10 YEARS. 

THEY ARE CALLED THE XXXX XXXX XXXX NAME IS XXXX XXXX, XXXX, CASE # XXXX. 

I don't owe Total VisaXXXX XXXX who never lived in Idaho, but I need me a XXXX XXXX  who I'd XXXX know like another XXXX night stand in XXXX, XXXX to other areas of the XXXX XXXX XXXXh a down too much approach. People, lawyers, colleges, and government/corporate organizations owe me money as I have a litany of people who need to gim me all my money from DFAS from the military, federal agencies since XXXX  to present day with a XXXX.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX and XXXX my husband ( XXXX XXXX ) had XXXX dollars left his account in a form of wire transfers. Chase requested that we wait 10 business days to find the results of how they will handle this matter. Yesterday was the 10th day and we were told verbally that we will not be reimbursed and the cases were closed.

There are three other wire transfers which have yet to be decided by Chase.

My husband and I were never informed by chase that were any fraud alerts or wire transfers. We received notifications from our daughter on Monday the XXXX of the wire transfers that were already sent. However we nor she approved any of these transactions, meanwhile my husband was informed that the money would be replaced on Tuesday by the " Chase '' fraudsters. 

On Tuesday the XXXX my daughter and my husbands went to Chase to discuss the loss of XXXX and the same day the fraudsters attempted to do three more wire transfers, one was stopped by chase.
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 — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

They/ you guys are clearly ignoring my emails and when I call you say we will look into it. How do you go from XXXX balance agreed amd changed on my report XXXX XXXX XXXX to now I owe again to not even giving me the information I asked for to make it legal for you to report? Pull the calls!! XXXX  if you have to take me to court to get it done. Remove this XXXX OFF XXXX!! Not even XXXX is replying to me and I even showed proof nobody replies to my emails since XXXX or XXXX even!
Consumer complaint received 2024-09-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

Wayfare 's bank is Citibank a hostile bank that called one in two month ago wanting to set up an auto debit. The letter stated that Citi bank was not able to get the money we agreed on so I called the number on the communique the person ask me to repeat the statement. 
We resolve the issue so I hung the phone.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

My phone wass hacked into the hackers had access to all my social media accounts along with access to my digital banking there was alot of fraudulent transactions done on my XXXX XXXX which is provided by XXXX XXXX i provided them witth the police report identity theft report and they denied my claim without any statement to why it is being denied i really need your help to get my money back i am also uploading all the supporting documents here as well.. I also provided a letter i got from health care company stating they had a cycber attack and the hackers were able to access mine along with other peoples informations who were on their computers