davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My card was used for an unauthorized charge in the amount of {$1700.00}. Do they indicate that I accept the term, when I do not authorize them to process the payment and even so they did, I am very upset because they continue to charge me for a hotel stay that we did not go to or enjoy and to top it off I have to pay? I do understand that in extreme cases the hotel charges one night as a guarantee if I had authorized the reservation, but that was not the case and the hotel or the agencies involved and the bank are defrauding me for {$1700.00} dollars. I want an immediate resolution to this case, we are not going to continue procrastinating on this matter. I also communicated with XXXX XXXX ( XXXX XXXX  ) XXXX in these cases and helps consumers to recover their money. As soon as they finish putting together their case, we will also go on the news because with this situation I will not stay calm, I will go to the last consequences, but my money will appear. It is unfair that my bank does not agree with me when I am benefiting and consuming it, and it is also very frustrating that they delay the matter to let time pass and I can not manage the return of my money. Understand that I did not authorize paisly to charge this money there must be a recorded call including the agent XXXXXXXX XXXX XXXXXXXX accepting that it was a mistake and that they would return the money to me, but it was not like that, even if they show otherwise, of course not to lose a case they are capable of fabricating any falsehood, but the law protects me and that's what I'm doing. We will surely end up suing all the parties involved if this case is not resolved in the best way, because this is scam and fraud at the same time and I want my rights to be validated at once. Do not respond to the consumer that they need more time, simply resolve this dispute and if you are going to communicate with me, let it be entirely in XXXX. Thank you for solving this situation once and for all.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (PA)

In XX/XX/year>, I was traveling in XXXX and ate at a cash only restaurant. I did not have enough paper currency to pay the bill and no ATM was available, so I wired money via XXXX to the restaurants bank using my Chase Credit Card. 

On the XXXX app it was very clear there would be a {$5.00} fee for the wire as well as an exchange rate from XXXX to XXXX dollars. 

After returning home I saw the expected {$5.00} fee and money that was transferred for the restaurant bill. I also noticed a separate {$10.00} transaction fee on the same day from Chase that I did not expect. 

I called Chase and they told me the wire was a cash advance that carried a {$10.00} fee from the Credit Card. This was a fee I was never informed about via XXXX or from Chase. 

They additionally told me there would be a DAILY INTEREST RATE fee accrued each day until I paid the full amount on my credit card. I asked if I could just pay back the cash advance amount to avoid the fee and they told me it was not possible, as that amount would go to any open balance on the card. The only way to avoid the fee was to pay THE FULL AMOUNT owed on the credit card to avoid the fee. I had days earlier just paid the previous months statement, and now was being told I needed to pay EVERYTHING owed on the card to avoid a daily fee even though the statement balance wasnt due for some weeks. My choice was to pay my full credit card off or continue to owe fees. There was no option to clear just the cash advance amount. 

I then asked Chase if I could remove the option for a cash advance completely from the card to avoid this in the future with either with a {$0.00} limit or turning it off completely and they told me they could not. They could only set a {$100.00} limit. 

My formal complaint is that the cash advance feature of a Chase Credit Card is predatory lending, with no clear path to opt out of the feature and no clear path to pay back the advance amount to avoid daily fees, and know way to be informed the fees are being accrued.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Anything in this business name attached to this SS # account which is the identity and the tax identifier for my business needs my written permission, and any account and creditor that can not bring forth written permission of my consent should be removed. This individual account is attached to the assumed name " Legal Name ''. Which you can not have a SS # to a business and a individual account. These creditors are demanding I pay a debt. but only accept other debt instruments, therefore therefore the debt is not settled anyways.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

EQUIFAX Report # XXXX XXXX XXXX XXXX is listing XXXX Accounts that are LATE/DELINQUENT requesting the below listed accounts be deleted immediately! 
Account ( s ) ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America had an issue with XXXX and stated that they placed a hold on my account for {$140.00} XXXX transfer, Everyday I call they tell me its going to be In tomorrow. No one can tell me the reason there is a hold except some generic excuse that doesnt make sense. The transfer was sent on XX/XX/14 and it is now and I have not received the money. It has been taken out of the account of the person that sent it and marked complete. I do not understand why no one in the company is able to release the money. The money is just out in space waiting they dont have to clear another bank the money has already been taken from the account. The customer service representatives were unhelpful and didnt give a clear answer as to why just a generic answer. They say I was told 1-5 business days but my account clearly says 1-3 business days.
Consumer complaint received 2023-11-09
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. (DC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2022-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Im a victim of identity fraud. I found this new collection account on my credit report. 
Company name is National credit system. Someone stole my credential from a hotel back in XXXX. This social security was stamped with for work use only I became a U.S. citizen now with my new SSN and try to open a bank acct when they told me this Social security was already been used with XXXX XXXX Previous to this I did not have nothing under my records since my social was specify for work use only. 
This account ( National credit system ) is recent since they reported under a different name on the mid of XXXX of XXXX. 

Ive called the company and they refuse to tell me the name that the account was open under. But then also sent me a fraudulent letter via email. 
The letter does not contain a form number nor a heading containing to Dispute report for the account. 
I believe National credit systems tried to change the name on their account or intending to alter the name and address to the account. This is unlawful and refuse to answer my question. 
I also filled out a FTC report which they have my information. 
A copy of my identity verification will attached. 
And a my credential information. 
I will leave a copy of their un natural letter. 
The amount was for XXXX $ I will leave this open for others to see how fraudulent companies can be and hopefully helps someone. Thank you
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (FL)

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX have 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 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 reasonablecause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Collection Systems, Inc. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2900.00}, {$6700.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I opened a Capital One Venture credit card using XXXX XXXX and was granted a {$5000.00} credit line. Approximately 1 month after opening the card my card was declined and when I checked my account through the Capital One app on my phone and discovered my card was listed as " restricted ''. At this point I had not received any communication written or verbal from Capital One that there was any problem with my account. 

I called Capital One three separate times between XXXX XXXX XXXX and each time was told I needed to call back to reach a separate department. When I was able to finally get in touch with a representative from that unnamed department on XX/XX/2023 I was informed by " XXXX '' that my account was closed because they " discovered adverse legal action involving an individual or entity associated with the account ''. It was also relayed to me that it was the primary account holder and not the authorized user. ( My girlfriend is the authorized user on the account. ) When I asked for the representative to identify the source of the " adverse past or present legal action '' and was told there was not other information available. Capital One has failed to provide the specific information they relied on to terminate my account and the source of that information of which I am entitled to under ECOA. 

As of today, XX/XX/2023, I have still not received any additional communication from Capital One, besides my direct phone calls to them, regarding the closure of my account. I have checked my credit report and there is nothing on it that would indicate ongoing legal action. I have been approved for other credit cards without anything like this happening.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (WA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-12-03
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. (MD)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX # XXXX Asset Amount : {$0.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX is in violation of the FCRA by reporting negative inaccurate information on my credit report. This NOT my account, on my credit report the opening date of XX/XX/2021 and the account # listed is XXXX. This negative inaccurate information needs to validated.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I was terminated from XXXX on XX/XX/2024. The morning of XX/XX/2024 I received an alert that y credit was ran. When I checked the credit bureaus it showed that my previous employer used my confidential information to submit a credit app. They did this to cause malice against me. This was an attempt to get my physical address. I was attacked at my job by an angry salesman on XX/XX/2024. They also did this so that it caused harm to my credit profile. 
I did not give them permission nor did I submit a credit application. XXXX XXXX literally entered my information into their system to harass me violating my rights.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report.

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MD)

After reviewing my credit score on XXXX, I noticed that there was a debt to chase for a credit card amount for XXXX. After opening the credit journey service in my chase account, I was able to see that a credit card for the company was opened on XX/XX/2006, which was when I was XXXX XXXX XXXX. I also gathered that the creditor info was for a chase bank located in XXXX, delaware which I have no connection to and have never been to. I have already disputed the claim with experian as this credit card was opened without my consent or knowledge.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (CT)

Reliant Capital Solutions LLC has called me on multiple occasions. I have attempted to call back with no responses. This time, I picked up the phone. The man on the line, named XXXX, immediately asked me if I was my sister. I said no, who is this? And he immediately said is she around? I said no, who is calling? And he said well Ill try again later and hung up. I called back again and a woman informed me finally of WHAT the company even was and that they needed to discuss my SISTERS dept. According to the Fair Dept Collection Practices act, it is illegal to contact family members regarding an individuals dept.