davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (IL)

On XX/XX/2020, I purchased a pair of shoes from XXXX XXXX XXXX for {$200.00}. The purchase was made through Google Pay with the invoice in the description of the purchase. On XXXX XXXX, I realized there was no update made on my shoes being sent to me and I also noticed that XXXX XXXX XXXX didn't send a tracking number and blocked me from contacting them. As soon as I found out I was being scammed, I contacted Google Pay to dispute the payment to XXXX XXXX  XXXX  and I also contacted my bank ( XXXX  XXXX XXXX ). XXXX  XXXX XXXX said they were contacting Google Pay to resolve the dispute and that they couldn't do anything on their part because the purchase was made through Google Pay. Google Pay supposedly did an investigation and it got nowhere on my end. It was obvious that I was scammed and Google Pay did anything about it. XXXX  XXXX XXXX repeatedly told me that it could take up to 90 days to resolve this dispute and I waited patiently. I was willing to provide adequate evidence to both XXXX  XXXX XXXX and Google Pay but they wouldn't allow me. I waited patiently and after months, I still have no justice. I was scammed in the middle of a pandemic and Google Pay allowed it.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-01-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please delete all fraudulent accounts and hard inquiries of my credit file from XXXX, Equifax, XXXX XXXX immediately. 
XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-09
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. (NY)

I have inquiries on my credit report that's fraudulent. I want these inquiries removed from my credit report. 

XXXX XX/XX/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  XX/XX/XXXX
Consumer complaint received 2023-10-22
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 (DC)

This is what happened I requested a new copy of my credit report and I found out that I had ACCOUNT REVIEW INQUIRIES that I do not recognize at all. I never did any financial business with CAPITAL ONE BANK ; I never applied for any new lines of credit or did any credit monitoring services with them. So Looked at it and saw XXXX XXXX via XXXX XXXX XXXX and found that CAPITAL ONE N.A., XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX ) Requested on XXXX Account Review Inquiries that wasn't even written authorized by me. My identity was stolen. 

The next Inquiry was CREDITWISE CAPITAL XXXX requested on XX/XX/2023 I never gave them authorization for them to do a credit check in writing to do an issued Account Review Inquiry on my credit report.
Consumer complaint received 2023-10-07
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX I received a letter from American Express notifying me that they were changing the terms of of my Delta Sky Miles credit Card. They were changing the annual fee to {$99.00} on XX/XX/XXXX. The letter also notified me that if I didn't accept the new terms that I could cancel my card before XX/XX/XXXX and receive a prorated refund of my annual fee. I had paid my annual fee of {$95.00} on XX/XX/XXXX. I called their number provided and ( XXXX ) and cancelled my account of XX/XX/XXXX and requested my annual fee rebate. I have not received my rebate and have called their customer service numerous times only to be told that I was not due a rebate. I will attach the letters I received from them that support my complaint.
Consumer complaint received 2024-03-20
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. (CA)

I was a victim of identity theft and someone fraudulently opened a credit card account with XXXX XXXX in my name. Account ending in # XXXX opened in XX/XX/2023.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Deceptive and Misleading promotion. 

Please see the attachment that highlights a 0 % APR until 2024. 

Due to the " transaction fee '' the absolute lowest APR you receive is 3 %, not 0 %. 

In addition, if you use your credit card in a normal manner, it is likely you will pay much higher than 3 % due to the confusing manner in which continued use of the card will incure regular interest rates and payments will be applied first to the balance that has 0 % interest. 

For example : Let 's assume I normally charge {$1000.00} on my card each month and pay it in full at the end of each month to avoid interest. Let 's assume I take this promotional offer and a " cash advance '' for {$12000.00} that I believe I will pay a 0 % XXXX until XX/XX/2024 as highlighted. If I continue to use my card as normal do ( i.e. charge and pay {$1000.00} each month for the next 12 months ), then I pay off the entire card balance in XX/XX/2024. The " 0 % APR '' that I expected ends up costing me 15.28 %. 

Each month that I make a {$1000.00} charge and a {$1000.00} payment, I, in effect unwittingly convert {$1000.00} of the {$12000.00} cash advance to a 21.24 % variable XXXX. Add to that the 3 % " transaction fee '' and by the end of the year I have paid 15.28 % for the " 0 % APR cash advance. ''
Consumer complaint received 2024-03-01
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in granted a goodwill faith to show on time regarding my circumstances. The consumer reporting agencies have need to report all information complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX ) Im now requesting you investigate and provide verifiable proof with recording showing that I had late payments or the company wasn't notified that they had a received payments. Also show proof that didn't agree or update my report current then change to not current. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2017-05-10
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. (NY)

XXXX  has not provided proof of this debt they reported to  XXXX  and Transunion since  2015 . I have asked both agencies to remove this debt or provide proof of the actual debt.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX opened XXXX XXXX  This company has been reporting inaccurate information on my credit report duch as the following : 1. It charged of the debt, but says there os still a balance. Which they can NOT take the loss on their taxes & collect the alleged balance. 

2. They dont have any payment displayed or registered from open date of XXXX through XX/XX/ 3. How can an account be charged off in a month if my open date is XX/XX/ and last payment is XX/XX/ as reported?
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary SPV 1, XXXX XXXX  and XXXX XXXX XXXX, XXXX XXXX. 
These companies continue to harass me about a debt I told them is fraudulent because someone who died created this debt using my name. I am tired of the threats and whenever I tried to contact Calvary. They state that they can not locate any account for me. Now Im receiving threats to seize my personal property. I contacted the court in XXXX who stated that I do not need to worry about coming to court because the case is no longer valid and has been dismissed. After months I contacted them again and was told they are coming to take my property. The name of the receiver is XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX TX XXXX XXXX. XXXX, XXXX. I have a XXXX XXXX and unable to deal with these people in my condition.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i n 2010 someo ne filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has  to be remove
Consumer complaint received 2023-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (TN)

I was charged a missed visit fee from XXXX XXXX but a provider never contacted me for my XXXX appointment. I have submitted my phone records to XXXX XXXX  proving that I was never contacted by corporate to file my insurance ( which generally happens 30 minutes to XXXX hour prior to a XXXX visit, and then a text link for the provider is sent to me ). I never received a call from a provider at any time on the missed visit date, as evidenced by my phone records. I left multiple voicemails, spoke with multiple supervisors, and sent multiple emails to XXXX XXXX, but no solution or return contact was ever received. I kept being told the charge was " in review ''. Then, I received a collections notice. I have tried to file a dispute with KLS Financial Services four separate times now ( three times via phone and once via klspay.com per their statement ), and I keep being told that I " can not file a dispute '' and " should just pay the amount ''. My credit rating is excellent, and I've never had a collections company contact me in nearly 40 years. Obviously, there is something wrong, or I wouldn't be fighting two separate companies over a menial {$40.00}. But it's my {$40.00}, and I don't owe the charge. XXXX XXXX should be paying me for the missed visit, since their provider did not show for my appointment.
Consumer complaint received 2023-02-21
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. (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 XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 : Also states a consumer reporting agency can not furnish 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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 USC 1681 ( a ) ( 1 ) Congress states : 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. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from any consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am working with lenders to get preapproval for a mortgage and was told my trans union credit report is locked. When I called to remove this lock, they told me I was not able to do this over the phone and had to mail in copies of ID proof. However, I never asked for this to be put on my account and was never made aware that this was placed. When I called XX/XX/2021 I was told that trans union placed this suppression on my account but did not have any documentation as to why this was done or even when this done. I was never informed of this and have my credit being pulled. This is absolutely ridiculous. If my account is under supression I should be made aware of this.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed into an international wire transfer on XXXX XXXX, 2020 in the amount of {$12000.00} from my checking account with Chase. 
I went to the local branch in person to complain. After a phone call by one of the Chase employees I was told I would receive a refund within 3days.After Questioning again in person I was told It could take up to 8 days and I might be charged with certain fees that would be deducted from the refund. When again no credit appeared on my account, I was then told I would not receive any refund.. 

Also the copy handed to me of the transaction does not have my signature on it.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (RI)

My mortgage was initiated with this company and immediately sold to my current mortgage holder. Probably a year later I received constant calls asking me to refinance. I asked to be placed on the do not call list and the solicitation calls persisted. I contacted corporate who suggested I block the number. I spoke the managers of the location who ensured me it had been addressed and for a short time it appears it was. Fast forward a couple years and then last Tuesday I was contacted by them again! A young lady named XXXX who would not provide her last name or the names of the managers at the facility. 
Prime Residential Mortgage XXXX XXXX XXXX, XXXX RI XXXX All Im trying to ensure is that I never hear from this company again.
Consumer complaint received 2021-01-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

To start Chrysler Capital is one of the worst companies I have ever had to deal with. My lease is up XX/XX/XXXX and it is showing my account was closed out XX/XX/XXXX and I have a charge off on my account. How can my account be closed when I am still making payments? I have talked with multiple people at Chrysler Capital including the executive office and they all say that I have made every payment on time and that I was never reported. Somehow it shows up on my credit report and now no bank will offer me a new car lease with this falsely reported incident. This needs to be rectified.