davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

Company- XXXX/Equifax/XXXX- XXXX  XXXX XXXX XXXX. Account.XXXX   . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Bank Of America, I am writing to address a concerning matter regarding an inquiry reported by Bank of America, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Bank Of America to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Bank Of America to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that Bank Of America neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Bank Of America. Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation (FL)

An unauthorized purchase was made with XXXX XXXX XXXX issued through One Mai Financial while I was XXXX  on XX/XX/year> in the amount of {$78.00}. When I sought to get my mailing address changed/updated is when I was informed that my account was locked due to above transaction and they wouldn't update my address until I provided new photos ID with the new address. I provided it to One Main Financial and they wanted additional proof of new address from me. I am XXXX and fighting XXXX. The unwillingness of One Main Financial to resolve this is outrageous. The uncooperative jerk that I spoke with was a supervisor named XXXX. His employee ID number is XXXX. My case number is XXXX. I want my account properly credited and my address corrected. Seems ridiculous to me that I have to go through the CFPB for such a simple request. Thank you for your help. 
XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc (TX)

a loan was open with possible finance on XX/XX/2023 in amount of XXXX this is a fraud account never heard of you guys please remove from all three credit reports or attorney general will be contracted my rights have been violated THIS IS A REFUSAL IM NOT PAYING FOR ACCOUNTS THATS NOT MINE AND PLEASE DON'T TRY TO UPDATE ADDRESS ON YALL END I KNOW THIS ACCOUNT IS FRAUD
Consumer complaint received 2018-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Companies- XXXX/Transunion/XXXX. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as possible. 
Thank you
Consumer complaint received 2018-10-22
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. XXXX  and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile.

The law is very clear as to the Civil liability and the remedy available to me (section 616 and 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 (e) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 1) XXXX XXXX, Acct.#: XXXX  Unverified Account2) Medical, Acct.#: XXXX  Identity Theft Account3) Medical, Acct.#: XXXX  Identity Theft Account4) Medical, Acct.#: XXXX  Identity Theft Account
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

My debit card information has been stolen. Two companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have removed {$4800.00} from my checking account. I bank with Key Bank. I notified them within hours of these charges appearing on my account. This drained my account to below zero and I received a notification of insufficient funds when making a local food order. Key Bank has not returned these funds to my account. My account sits at negative {$620.00} and they are charging overdraft fees at this point. PLEASE HELP!!!
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MT)

The complaint is against Affirm. I ordered a riding tractor mower XX/XX/23 from a company called XXXX and paid for it with a credit card. I received and email the next day telling me to reorder, that they has accidently deleted my order. I reordered on XX/XX/23 and now I'm getting directed to XXXX. They wanted it to go through Affirm. The delivery was to be in 5  days. I called Affirm at the end of XXXX to cancel the loan as I had not received the mower and ordered the same mower through my local XXXX store. I got my mower from XXXX on XXXX and picked it up. I called Affirm again as a payment was coming due on the mower I never got. I was told that the payments really wouldn't start until I had received an invoice from XXXX. The Affirm person told me I could make a payment then. I bluntly told them NO. I do not pay for things I have not received and especially that amount. I called every week for months with Affirm telling me I was behind on payments. I repeatedly told them I am not making a payment to anyone for a purchase not received.I was finally told that Affirm would launch an investigation and it would take a couple of months. In the mean time, Affirm turned it over to a collection agency. I spoke with them multiple times a week, again telling them I am not paying for something I have not received to turn around an fight with them to get my money back. I receive an email from Affirm XX/XX/23 saying my account had been credited, however, it's on my credit report affecting it by XXXX points. I want this off my credit report immediately. I think Affirm is a fraudulent as well as XXXX and XXXX and I would NEVER do business again with any of them. I have an email from Afform on my phone but I done know how to take a screen shot of it
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (GA)

I have filed a XXXX XXXX XXXX ( Form. # NFCU XXXX ( XXXX ) form dated XX/XX/2024 as I was fraudrantly contacted by Naval Federal Credit Union XXXX XXXX whom Navy Federal 's customer service number of ( XXXX ) XXXX. My account numbers were changed as well as my email passwords. 

There was a loan # XXXX in the amount of {$4500.00} that was drawn in my name that I did not authorize and I was fraudrantly told that {$4500.00} was withdrawn from another member named XXXX XXXX  and transfer into my account. So I transferred back but later to find it was a loan fraudulently generated in my name. I have created new account numbers and have placed faith and trust in NFCU to rectify this situation accordingly only to be served with a denial letter stating I am liable for the {$4500.00}. ) my new account # is ending # XXXX I have filed XXXX different fraud claims only to me met with a denial and stating I need to file another one.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

On XX/XX/XXXX, I was home with a broken left leg and fractured knee cap, and put in an online order for XXXX home delivery. This charge shows up on my account. I disputed such as I was not able to be physically present at XXXX. Chime continues to say that they are " researching '' this and has refused to even offer a temporary refund since XX/XX/XXXX. I have had my debit card replaced twice. This is unacceptable.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aspen National Financial, Inc. (TN)

Bought a time/share from XXXX XXXX  and put down {$30000.00}. They told me that I could book properties and re rent them on XXXX or to individuals and make a profit. When I tried to book properties, nothing was available. 
Date of contract was XX/XX/. Amount owed is {$53000.00} I sent 2 letters asking for a copy of the original contract but have not received one.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I received a copy of my credit report from Equifax. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I would like for them to remove these inquires listed below from my account : XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer. 
( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer. 
( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Collections Enterprise, Inc. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (IN)

Monterey Financial Services are attempting to collect a debt, but they have committed a couple of violations. The first issue is they sent me a letter after I made my initial dispute stating they notified the credit bureaus to remove the collection from my report. It was removed XX/XX/2019 from XXXX  and XXXX. When I sent proof to XXXX  they informed me that Monterey requested the item to stay on my report. I contacted Monterey and an account manager told me the letter they sent me was a generic letter and they no longer send those letters out. After doing some research I also realized my account number isnt the account number I have with them and what is being reported on my XXXX  report are different. I have also found that the company is not legally registered to collect debt in the state I reside ( Indiana ) this information was found in an online database.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

I received a letter from MRS BPO a debt collection agency stating that I owed a debt of XXXX to discount power. I do not recognize that power utility company. I attempted to call MRS BPO however my calls repeatedly went unanswered. I wanted to find out if somebody used my identity to open a utility account. I verified with my bank that recent payments have been successfully processed with my existing utility company.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year> I deposited my federal tax refund check into Navy Federal Credit union branch located on XXXX XXXX XXXX XXXX XXXX. I receive a receipt stating my federal refund would be available next business day. Also per XXXX standards any federal or government check is available next business day. On XX/XX/year> I received an email stating they received confidential information that the check possibly not be honored. I immediately contacted XXXX XXXX and was informed this information was FALSE. I contact XXXX to inquire about their verification process, I spoke to XXXX whom stated the check had not been processed and they reserve the right to hold checks additional days. The email I received indicates something different. It gives the impression that this check is fraudulent. Unfortunately I have experienced this situation before with regards to a check from XXXX from the sell of my car. XXXX will unfairly holds behind reason until the check is issued as cash. I requested a supervisor response because I feel I am being discriminated against in regards with deposit holds. I receive emails that my checks are fraudulent but are then honored and cash. XXXX XXXX credit is mishandling my account.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and CREDIT COLLECTION SERVICE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc. (PA)

A merchant ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) sent my name to a collection agency ( United Legal Group ) for an unpaid balance they had under my name. I contacted the merchant and informed them I have never authorized any services either verbally or in writing. The merchant researched and the owner ( XXXX XXXX? ) confirmed that I never signed and authorized any service and it was a prior tenant that authorized the service. The last time I spoke with her, she informed me that should would contact the collection agency but this never occurred and is now showing on my credit report as a collections account. I've sent numerous emails to the merchant and collections agency to try to correct but the collection agency just gives me a generic answer that I still need to pay it. To date, neither the merchant or collection agency has ever provided me with any documentation that I authorized this service. They state they have a signed work order or receipt by me but no one has ever provided this to me.
Consumer complaint received 2023-04-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

Hello, XXXX told me my loan forgiveness through XXXX vs XXXX was approved. My loans however are still on my credit report. Could you please assist? 

Also, an incorrect lender ( XXXX XXXX XXXX ) was on XXXX of my reports. I only had federal loans so I am unsure why this was the case.
Consumer complaint received 2023-11-17
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.