davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NY)

The first page of lease agreement provided by IQ DATA INTERNATIONAL INC in XX/XX/2022 to my home in XX/XX/XXXX does not even contain my NAME or address ( Attached ). Additionally, the lease agreement contains no monetary amount. The documents sent to me does not validate this debt therefore This debt has not been validated and must be removed immediately. 
I have been disputing an unauthorized debt collection on my credit report from IQ DATA INTERNATIONAL , INC account # XXXX for the past two years. Despite my efforts to dispute the validity of the alleged debt IQ DATA INTERNATIONAL, INC has continued to pursue collection activities and has placed the collection on my credit report. 
I did not authorize the account and provided evidence supporting my claim. The evidence included documentation of identity theft, a police report and proof that the NAME and address listed on the lease agreement provided by IQ DATA INTERNATIONAL , INC does not correspond to me and my residence. Additionally, the first and last page of the lease agreement provided by IQ DATA INTERNATIONAL INC does not state or contain any monetary amount as part of the alleged agreement. Nor do the email addresses associated with the electronic signature on the lease agreement coincide with my address and has the name of persons unbeknownst to me. I believe that IQ DATA INTERNATIONAL , INC has violated my rights under the FDCPA and FCRA and has engaged in unfair and deceptive practices by continuing to pursue collection activities without providing adequate proof of the debt 's validity and authenticity. I seek the removal of the collection from my credit report and cessation of all collection activities and reporting related to the disputed debt.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request a reinvestigation into this account : Account name : XXXXACCOUNT # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly.Please provide all documentation stating that this would affect my credit.
Consumer complaint received 2024-06-16
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: JPMORGAN CHASE & CO. (MD)

I was looking over my consumer report and found hard inquires that i do not recognize. please take these inquires off my report. These companies did not have permission to report anything using my information pursuant to 15 usc 1681 4 they are violating my consumer right to privacy
Consumer complaint received 2024-06-12
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: BMW Financial Services NA, LLC (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my BMW FIN SVC - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-07-30
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. (GA)

I have 3 US DEPARTMENT OF EDUCATION loans that are incorrectly being reported. The status of the accounts should reflect the same for each consumer reporting agency. XXXX has all these accounts as paid on time with no missed payments. However, Equifax consumer report is not reflecting the same and it is damaging my credit and character from this low reporting score. I have requested Equifax to correct this error however, it has yet to be updated. 

There is also a XXXX XXXX XXXX XXXX XXXX account that is reflecting on my consumer report however this is not my account, i was an authorized user but the account does not belong to me. It is also damaging my credit and character by having this account reflect as a CLOSED account.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (NV)

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is [ Account Number ], and it is being reported as a result of identity theft. 

I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. 

To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 

I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. 

Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please look into illegal activity by the XXXX XXXX XXXX as well as Bank of America for infringing on our Natural and God-given rights to own, purchase, and bear Arms. Our Second Amendment is non-negotiable to any entity headquartered within the continental US of A. This should be a crime of  treason against the Constitution and should be punishable by maximum fines and prison sentences for the Upper Executives. Please arrest these treasonous people and get them on trial for treason. I have wrote the President about these matters and someone should look into dissolving these banks as soon as possible, please.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MS)

I found several times my Discover card account has charges not authorized by me on my account. The first time I contacted them and tried to get it stopped the only way I got it done was to pay off the card. Now they are doing it again, even tho ' I told them not too and I didn't want this account coverage protection ... they say it is to pay for the account balance protection should I get ill or something happens and I am unable to work. But I have been hospitalized several times and they did nothing but keep collecting this fee each and every month ... finally, the last time I told them to stop they e-mailed me and said to go to this specific website and do it there ... so I go to the website they said and the path to terminate these unauthorized charges are not there ... they must have collected thousands of dollars off me for this scam ... and I really question if there are others out there being affected by it also ...
Consumer complaint received 2024-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-05-01
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: ERC (PA)

THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with XXXX   ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. XXXX is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " ERC '' ... it's AKA.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This complaint is in regard to PayPal. I received an email from PayPal informing me that a new phone number was added to my account. This was XX/XX/XXXX or XX/XX/XXXX XXXX. I didnt add a phone number to my account. I contacted PayPal on the phone as I was unable to remove that phone number. In addition, there were 2 charges on my account I didnt authorize. One for {$50.00} and one for {$25.00}. They are apparently pending charges to my connected checking account. In addition 2 PayPal Mastercards were listed on my account that I didnt authorize. One for {$100.00} and one for {$200.00}. I provided PayPal customer service with the credit card numbers, expiration dates and CVV codes and the rest of the information above. They indicated they would file a case on this and I received an email with a case # and it referenced the phone number problem and nothing else. I eventually removed the phone number myself. Im not permitted to close this PayPal account by PayPal and customer service isnt permitted by PayPal to close my PayPal account for the reasons that there are pending charges to my checking account and 2 open credit cards with associated loans. These cards are fraudulent and the 2 pending charges to my checking account are fraudulent. They referred me to their credit department to inform the credit department that I didnt authorize those cards and they are fraudulent. I cant access that system as my ID info is not the ID info of the person who obtained those cards. In addition, PayPal will not permit me to eliminate my checking account from my PayPal account as there are pending charges to it. I filed an official complaint on the PayPal account on XX/XX/XXXX and they havent responded.
Consumer complaint received 2023-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Dear Sir or Madam : PLEASE DELETE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA. XXXX THIS IS NOT MY ADDRESS. 

PLEASE HAVE THE FOLLOWING ( 7 ) ACCOUNTS DELETED WITH THE INQUIRIES LISTED BELOW. I NOTICED THAT ( XXXX XXXX XXXX WAS REPORTED TO MY CREDIT AND THESE ARE HER ACCOUNTS ALSO. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX CLOSED BUT STILL SHOWING A BALANCE OF {$600.00}, XXXX XXXX XXXXXXXX AND XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) - XXXX XXXX AND XXXX XXXX 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by XXXX consumer.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

We tried to make transfers of {$5000.00}, {$12000.00} and {$20000.00} from our joint ( husband/wife ) accounts at Marcus by Goldman Sachs to checking accounts at other US financial institutions ( XXXX, XXXX XXXX XXXX ) in our joint names. These accounts were previously verified by Marcus & linked to our account. Marcus/GS has a security procedure where they make small deposits to the account at another institution you wish to link. Once you verify the date and amount you can link the accounts to transfer funds to & from Marcus. Marcus readily accepted funds in from our accounts elsewhere. We were in XXXX and attempted to use the app to make transfers from our Marcus account to our U.S. accounts. One transfer was reversed and we had problems with the others. After 2.5 hours calling from XXXX with 5 different Marcus Reps, we were told they would not allow any transfers until our return to the USA.?!?! We have never encountered this limitation at any US financial institution previously. When we opened the Marcus accounts, we were never explicitly informed of this limitation in a clearly evident way ( maybe it was in the small print, but it wasn't evident ), and in the intervening years have had in excess of {$300000.00} deposited with Marcus and made transfers to/from US account without issue, including when we were abroad ( we have a home in XXXX ) . Marcus/GS should much more explicitly state this limitation, as it is an unusual rule and now is causing us to borrow money from an overdraft until we return in 4 weeks time.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I used PayPal Credit to make a purchase and had months to pay off the account to not accumulate any fees. XX/XX/24 I paid the entire balance in the account. PayPal or their partner Synchrony bank went and added Late fee on the account for {$41.00} along with {$2.00} interest fee added to the late fee. I called PayPal today to remove the late fee and interest fee and bring my account updated to XXXX.They said I paid off the account a day late and would not remove these fees. I am trying to resolve this now because they will keep adding late fees on top of their late fee and more interest too FURTHER grow this amount. 
Please help me.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX : {$2600.00}
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

First problem occurred when a fraud was reported to me bank in XX/XX/XXXX. Froze my old account and opened new one, then they forgot to watch for our SSA deposits and they got returned. It took about a week to clear up. Then forgot to place order for checks. Several other problems occurred all of XXXX and then the latest major problem, I made a deposit of a check and the fraud department, without any notification froze my whole account.I have another SSA deposit going in on XXXX. I did get a notice that my deposit was accepted and approved but not one notice of account or mobile account access being blocked.