davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-16
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. (MA)

On XX/XX/2019 my husband and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with XXXX XXXX  for {$13000.00}. We are disputing that with XXXX now. XXXX said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person.  The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is bank XXXX but the money transfer was to XXXX XXXX XXXX.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are full of it. I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Re:XXXX I have contacted Carrington in regards to properly reporting my account and was promised it would be corrected. As of XX/XX/XXXX this has not yet been done with any of the major credit bureaus : A ) I have 3 HARD Inquiries from XXXX done between XX/XX/XXXX and XX/XX/XXXX when only ONE was needed and per Underwriting ( Mr.XXXX ) should have been done.This has had and currently having a deleterious effect on my report. 

B ) Also, as of XX/XX/XXXX CMS is reporting I am 120-149 days late. This is ludicrous since the account is a brand new Modified Account with final documents just signed off on and I have made every single payment on time per FHA Guidelines and in agreement with CMS. 

The above two needs to be corrected as soon as possible as its putting an undue hardship on me financially, not allowing me to gain credit and significantly harming my credit scores.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (NH)

i will go in court and midias because of bank i went in hospital also have XXXX XXXX i moved to XXXX before i lived in michigan my ex cancelled credit card and others i did a reservation with the rental car the price XXXX took my money {$1000.00} to my surprise the bank canceled my account and debit card i dont have money and cards i did contacts many times i want my money back and a solution. i am from XXXX i dont have family here the bank canceled my account and debit card and didnt the contact i am very depressed i have documents and evidence. terrible bank and disrespectful
Consumer complaint received 2019-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This company continues to harass me about a debt I know nothing about that was sold to them by a XXXX XXXX which I never opened an account with. Asked numerous times for them to provide me documentation but nothing ever arrives. The only thing they send is a bill over and over. Im frustrated.
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: AFNI INC. (TX)

A company called XXXX XXXX XXXX notified XXXX that it was trying to collect a debt on behalf of XXXX XXXX XXXX, where I have never had an account. I disputed this through XXXX XXXX and XXXX  removed the item on XXXX XXXX, XXXX. Now they are trying to collect this fraudulent debt again. I received a letter, dated XX/XX/XXXX, from AFNI Collections to collect the same debt from XXXX XXXX XXXX. On AFNI 's website I indicated that the debt was not mine and to send verification of the debt. I never received any verification. Today a derogatory mark from AFNI showed up in XXXX XXXX for XXXX. 

This has had a direct impact on me. When I tried to sign up for XXXX XXXX XXXX internet earlier this year, XXXX XXXX XXXX said I could not until the fraudulent debt was paid.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To whom it may concern, This account was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,
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: Titan Revenue Solutions (CA)

I have filed all the appropriate paperwork regarding this issue with Titan and they still harass my family at an address that is not the address I provided them to reach me. They do not provide adequate proof that this is my account. The paperwork they provide is not me. This is a direct violation of the Fair Credit Billing Act and the FAIR DEBT COLLECTION PRACTICES ACT. CFPB has closed my complaint without a remedy and this is a violation of my rights! I am demand this removed from my credit report.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Dear Discover, Mutiple times you have told me that you do not have actual verification of the account in question being opened by me.

You have been sent an Id theft report from the ftc. You have ignored the theft report, and you continue to commit fraud by verifying the debt with the credit bureaus, despite having told me mutiple times you do not have any signature of mine anywhere.

If you can not provide a document with my signature on it, then all you can verify us that someone used my information to open an account. I am a victim of identity theft, I was also part of the data breach.

You claim you sent an email to the email address that the account was opened with, and I responded. I did respond, but you sent it to my email address, you told me the account was opened with a different address than the one you sent it to. The difference between the two email accounts is the number " 2 '' is in the one it was opened with according to you, and my email address does not have the number 2 in it, which is where you sent the email I responded to. 

As far as not returning my calls, once I request a call back you can call me, even if i requested no further calls earlier. Its seems ridiculous that you would suddenly care about laws and rules when it comes to phone calls, though you are misguided, but suddenly not care as you continue to verify a debt without any verification that I opened the account other than someone used my information to open it. 

If you are unwilling to respond to the cfpb, please extend that courtesy to the credit bureaus as well. Dont respond to the next set of disputes.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. MXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I have problem with my credit score with Equifax and XXXX. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in XXXX was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with Equifax and XXXX earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (PA)

US Bank allowed my PA Unemployment Reliacard to be compromised. A US Bank representative allowed an individual to call into their service and request that the email address attached to my account be changed. I was informed by a second individual at US Bank that this is against their policy and that a written request or a fax request must be used to change an email address. 
This individual had US Bank change my account email address to their own. Then this person proceeded to the US Bank Reliacard website and clicked on " forgot username ''. My account username was then emailed to this person. The person then clicked on " forgot password '' and had my account password reset. 
The individual then went into my account and changed the bank routing number and account number then proceeded to withdraw {$1000.00}. Then this individual changed the bank routing number and account number again and withdrew another {$1000.00}. 
US Bank 's security system failed to detect all these suspicious behaviors. This was all done within a short period of time. The two large withdraws were made within 2 minutes. 

US Bank had previous shut off my Reliacard because their system detected a potential fraudulent attempt to use my card number at a restaurant in Florida. US Bank did not close the account and assign me a new card. Instead they just reactivated my existing card. The account was obviously compromised but they did not close the account. 

It seems strange that their system would detect such a small fraudulent restaurant purchase but would NOT detect fraudulent activity when the email address was changed, the website username was requested, the website password was requested, the bank account information was changed twice within 2 minutes and 2 {$1000.00} withdraws were made within 2 minutes. US Bank already had a class-action lawsuit settled against them in California for their lack of security measures such as a chip embedded in their cards. 

I have requested a new card twice and have not received a replacement card yet. It's been over a month and I can not access the money that is left on my account. I no longer have website access to the account. I can't pay any of my bills without the money in this account. I have called US Bank at least 6 times and got nowhere with them. 

I also filed a local police report. However, US Bank refuses to give me the person 's email address that he/she used when changing my account. This information alone would allow legal authorities to try to track this person down. I was given an absolutely ridiculous response that since I do not know the email address that was used, it would be a security breach if they gave that information to me. They were concerned about security when they allowed someone to change my email address without properly verifying whether the individual was the true owner of the account.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (LA)

I was in a bad spot I needed to hire a lawyer. So I looked online for loans. And I found this one. It was for {$500.00}. I knew it was high interest. I expected to have to pay 130 something dollars a month for a year for a {$500.00} loan. Which I know sounds terrible. But I needed the money to pay for a lawyer. It was an emergency. The first payment came out from my checking account. I get paid every two weeks. So I figured the next payment wasnt due for a month. But when I got my next check it was taken out of that as well. So they are taking almost {$300.00} a month for 12 months for a {$500.00} loan. I cant afford that. I ended up having to close my checking account. And Im pretty sure what they are doing is illegal. Definitely a predatory lending company
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 and again on XX/XX/2021 I sent letters to XXXX XXXX and Equifax concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX  report. After several phone calls and the additional letters, XXXX and Equifax has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I used my bank 's check mailing service to pay three creditors. They were supposed to be sent on XX/XX/2021. I allowed ample time for the checks to be received on time. The money in the amount of {$1100.00} was withdrawn from my checking account and I was informed that the checks were mailed. After about XXXX weeks, I noticed that none of the checks cleared as they should have. Shortly after, I was assessed a late fee by each of the creditors. I was charged fees in the amount of {$38.00}, a XXXX processing fee, plus there is a stigma with paying bills late. 

I was informed by Chime that all that can be done is they can cancel the checks and credit the money back to my account. They offered to send them again, but I lost my confidence by this point and declined. I was offered a flippant apology for the " inconvenience ''. To a working class person like myself, having {$1100.00} tied up for a total of three weeks and approximately {$40.00} in late fees, is a big inconvenience.
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 — Investigation took more than 30 days
Company: FC HoldCo LLC (TX)

They have not responded in timely manner. They also are in violation under the FCRA for verifying this debt as mine without proper validation. They have not provided wet signature
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. (FL)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy. 
It also states that a consumer reporting agency can not furnish and account without my permission. 

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XXXX 2022 and XX/XX/2022.