davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Unauthorized Hard Inquiry and Unauthorized Addition as an Authorized User Dear Consumer Financial Protection Bureau, I am writing to report fraudulent activity on my credit report. On XX/XX/XXXX, I noticed a hard inquiry on my credit report that I did not authorize. It appears that someone has obtained my Social Security number and used it without my consent.

Additionally, I was added as an authorized user on two credit card accounts that I never approved. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not give permission to anyone to add me as an authorized user on these accounts. I request immediate removal from these accounts and correction of the related entries on my credit report. 

Please investigate this matter and take the necessary steps to rectify the situation. I am also requesting that you guide me on any further actions I should take to protect my credit and identity. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXXXXXX XXXX from XXXX XXXX XXXX XXXX account to JPMorgan Chase Bank at the instructions of the scammers.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Portfolio Recovery Associates ; This is fraudulent account!!! I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Chime Financial Inc (SC)

XX/XX/XXXX started XXXX XXXX and paybacks XX/XX/XXXX XXXX XXXX and paybacks for empower XX/XX/XXXX received notification for no payment though chime bank statement showed other wise Contacted Support and they blocked my login closed my account Reported to Chime XXXX XXXX merchant services about the difference in credit scores between XXXX XXXX XXXX Not resolved. The scores are still different I placed XXXX year freezes since XX/XX/XXXX XXXX notified me of another breach this relationship with XXXX XXXX XXXX  accounts and commercial partnership SSN on the dark web Insurance and Driver 's license. Under this report stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN and XXXX XXXX XXXX XXXX TN XXXX reported breach XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX phone number XXXXXXXX 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 XXXXXXXX insurance Benificiary accounts Health insurance changed without knowledge consent or authorization XXXX XXXX account had XXXX XXXX that took place with a added Email tracker placed on my device XXXX XXXX XXXX XXXX  made changes to my account and was not authorized to do this a XXXX XXXX is listed in XXXX  a path under my account as we speak I have a XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX up under my XXXX XXXX pay. Empower I tried reopening once I received my new device however with my new XXXX XXXX XXXX account opened kept popping up a number unknown same thing on my XXXX XXXX XXXX account XXXX SC opened XX/XX/XXXX. I have received notice of XXXX deposits NOT reflecting in my chime account. My credit card builder at chime is listed as XXXX XXXX  Chime debit card savings account listed as XXXX XXXX  XXXX, then apparently I have a secured account in which I have assets however can not receive information related to it where it is or which bank institution partner of chime is holding these assets. I have disputed XXXX charges that I don't have nor do I have access to XXXX and door dash charged were made I didn't and couldn't have made were charged, Along with Employer payroll checks denied due to the post date however when I deposited it was a reverse payment applied by stop a minute nobody can explain this my phone XXXX kept showing up under a XXXX XXXX and over XXXX dollars saved in the empower app was transfered the empower team once again just blocked my access and closed the account as a solution. I don't know what kind of XXXX XXXX  is participating however retaliation and dilebarte interference and locked assets results from this I am showing a XXXX XXXX  loan or line of credit I have no idea where this is what account but it isn't mine. I'll never be able to accomplish operating a entity with this XXXX allowed also XXXX XXXX  is showing up on my device also however denial of any accounts relationships etc with me?
Consumer complaint received 2024-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

These inquiries were unauthorized and I need these removed as soon as possible. I do not recognize these inquires on my credit reports- XXXX, XXXX, and XXXX. The following need to be removed : XXXX XXXX on XX/XX/XXXX, Capital One on XX/XX/XXXX, Capital One on XX/XX/XXXX, and XX/XX/XXXX, and Capital one on XX/XX/XXXX. Attached is a FTC Report.
Consumer complaint received 2024-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OK)

Loan origination date was 2004. I borrowed {$30000.00}. To date, I have paid back {$85000.00} ( {$44000.00} in principal ). I have paid back almost triple the amount that I have borrowed. Loan is still showing that I owe {$21000.00}. When I call the company and ask questions, they do not provide answers. How am I supposed to ever pay off this debt? Seems like very unfair collecting practices to have paid back almost triple what I borrowed and still owe over $ XXXX.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (SC)

HUNTER WARFIELD IS IN VIOLATION OF MY CONSUMER RIGHTS. THIS COMPANY HAS VIOLATED THE ORDER TO CEASE AND DESIST FROM CONTACTING ME BY PHONE AND VIA EMAIL. HUNTER WARFIELD HAS VIOLATED THE ORDER TO CEASE AND DESIST. HUNTER WARFIELD HAS VIOLATED : 15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT AGGRAVATED IDENTITY THEFT - 18 USC 1028 A 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT 42 U.S. Code 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1681 Section 602 A Section 2 15 U.S. Code 1602 - Rules and constructions 15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies VIOLATION OF ORDER TO CEASE AND DESIST 18 USC 1028 A - AGGRAVATED IDENTITY THEFT I DID NOT CONSENT TO GIVE MY NUMBER TO ANY COMPANY. THIS ACT WILL NOT LEAD INTO LEGAL ACTION.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

From XXXX to XXXX of XXXX and the months of XXXX and XXXX of XXXX it shows on my credit report I have missing payments as well as the whole year or XXXX nothing is being shown throughout that whole time I was on a forbearance program with federal student loans during that time I was unemployed and I explained that to the representative thats why I went on a special program so I didnt have to make any payments I just want those late payments to be changed because I was never never on any payment with fed loans
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

XXXX  XX/XX/XXXX - Wells Fargo called me - from a Wells Fargo XXXX number. They stated that there was some suspicious activity on my account. They said there was someone in Florida in an apple store trying to make a purchase. I said that is NOT me! They said ok. we will shut that down.. I said " I am not sure how they got my card because my card was hacked on XXXX  and they cancelled my card. '' He said oh .. '' Wells Fargo loaded the new card to your digital wallet. Oh and while we are on this call... they have now tried to make another purchase! '' I said " oh gosh that is definately not me! '' He said " ok we are going to take care of this. Let me transfer you to my co worker '' He did NOT disconnect the call .. he transferred me. Another man got on the phone and said " Hello- I'm XXXX XXXX XXXX Here is my badge number ( I don't remember it ), your report # is XXXX. I am going to get this all stopped and get you going about your day '' He then proceeded to tell me... log into this, put in this code, I will send you a code, enter that. I followed all his directions and then {$190000.00} gone! The number came from WELLS FARGO, the guy sounded so legit. Now... Wells Fargo is not giving my money back. That is ALL our money.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (VA)

First this is the second time I've submitted this complaint. Carvana responded that what I endured should have not happened. I submitted to get credit again and it happened again. I am being denied for not having tax returns when I'm not required to file taxes. I am XXXX I get XXXX income for which I proved to Carvana but they still refused me for the same reason, tax returns. Carvana continues to get away with harming the public and the gov't needs to intervene. 

Carvana still continues to discriminate against my XXXX status. I tried once again to finance a vehicle and CarvanXXXX requested tax documents that I can not provide since I am not required to file a tax return. I again proved my XXXX income and banking statements. It is clear that advocates that work for CarvaXXXX are not wise about their claims that there are alternate verification methods for situations such as mine. The response I got from CarvaXXXX via text chat from XXXX is that " I am unable to approve the purchase without the tax returns ''. Additionally, I received the following response via website,,,, Back Complete by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Income Verification Please upload the following documents so we can begin our full underwriting review. Each document must be a single file and show all four corners. 

- 2 consecutive years of 1040 tax returns from the IRS for the most recent calendar filing years ; we can not accept IRS Tax Transcripts. 

**If these can not be provided then you will not be considered eligible for Carava XXXX at this time! **
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and identified several inaccuracies associated with my account. These inaccuracies are negatively impacting my creditworthiness. I understand that your process includes investigating such discrepancies to ensure accuracy. Below are the details I am requesting you to verify : Experian : XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX : XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX - XXXX - This is completely inaccurate. - I believe this is reporting inaccurately - verify that this belongs to me. 

XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX : XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX  XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX  - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX - XXXX - I do not recognize this at all. - This is not mine - please remove this inaccuracy from my report I appreciate your prompt attention to this matter and look forward to your investigation and resolution of these issues.
Consumer complaint received 2024-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The consumer complaint involves discrepancies found in the consumer 's credit report obtained from all three major credit reporting bureaus- XXXX, TransUnion, and XXXX. The consumer identified numerous inaccuracies and unauthorized inquiries in their credit report, which they believe violate their rights to privacy and confidentiality as protected by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. 

The consumer has taken the necessary step of requesting the credit reporting agencies to investigate the accounts in question to determine the reasons for the unauthorized activities reflected in their credit report. By invoking their rights under the FCRA, the consumer seeks resolution to rectify the inaccuracies and protect their consumer rights as guaranteed by federal law.
Consumer complaint received 2024-08-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (ND)

My mortgage was recently sold from XXXX XXXX to Mr. Cooper. My first payment to the company was on XX/XX/XXXX for the amount of XXXX. This was the same amount we previously paid to XXXX XXXX. On XX/XX/2024 the amount of XXXX was deducted from my account. After contacting Mr. Cooper I was told that they projected my property taxed to increase by XXXX XXXX. Which is double the amount I paid last year. I had informed them that this is not correct and that I received my tax assessment already this year and it was projected to increase by only XXXX percent. I informed them that I want another analysis to be done on my property and that I need to to be credited back for this mistake. They told me it will take 7-10 days to review my complaint and that they will credit it back if they find an issue, however I have a XXXX XXXX at home and after taking an additional XXXX XXXX  from my account it had put my family in a bit of distress. Furthermore, taking additional money and not notifying my via email or letter in my opinion should be illegal. I want this to be fixed immediately.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (FL)

Three months ago, I received a notice letter from Bank Discovery informing me that I owe this Bank a sum of more than XXXX dollars. The same day and immediately I called this Bank to let them know that it was not me. I am totally unaware of this credit, they told me that the information mentioned to obtain this credit was necessarily a fraud. I can only ignore this notice, the person I was speaking to told me. She will report this to the fraud department. A few weeks later, I have received a call from this department informing me that an investigation will be opened into this and they will inform me of this matter. 
Two week later to sent a notice that another notice that said this account open in XX/XX/year> to be valid- I completely ignore that, I was never open an account to this bank- This is not me- I would like that your Office to open an investigation into it - I think someone into this bank stole my Identity and used to this bank- I do not even know exitance of this bank- Please do some thing- Thanks so much
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

XXXX closed my account on XX/XX/year> for no reason. They stated that any remaining funds would be released on XX/XX/year>. Well, it is no XX/XX/XXXX and my funds ( {$5800.00} ) are still on hold. I have reached out to customer service a total of 3 times and am yet to receive a reply. After reading countless amounts of reviews on reddit, I realized this is a scam that they run. I also filed a complaint with XXXX  and will be contacting the attorney generals office. I need help in getting my funds released. This is extremely unethical. I need my funds. I already provided the service to the customer. This is not fair. Please help me get my funds released. Thank you.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account updated on XX/XX/2024 but Transunion didnt correct my balance. Which is illegal. I will go after them for reporting inaccurate information data.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.