davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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 XXXXXXXX, XXXX XXXX XXXX  XXXX, XXXX 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 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 2022-12-12
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. (CO)

I spoke to an Equifax representative today XXXX XX/XX/XXXX regarding fraudulent inquires that I did not authorize on my consumer report. Please remove the following inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX 2021
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

My identity was stolen about XX/XX/2018 and someone opened 3 total accounts in my name. 2 of the accounts are resolved with phone calls and conversations. The third account is not. I submitted the information about identity theft, but they determined that I benefited from the use of the card for purchases in CT even though I live in PA and have never traveled to CT in my life. The third account was for a pet store. I have no pets. I closed the account immediately upon learning of its existence. 

I did not open this account, I did not use this account. I did not benefit from this account. Given the clear evidence that my identity was stolen for other accounts, this seems like an unfair and arbitrary determination by the bank. 

The bank is XXXX XXXX. The account number is XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX Dillburg, PA XXXX. 

I have attached follow up mail from XXXX regarding the fraudulent attempt to obtain a XXXX XXXX card in my name as evidence of the identity theft and A XXXX denial based on failure to verify identity.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (FL)

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

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 2018-04-24
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I WAS CHARGED FOR SOMETHING I NEVER AUTHORIZED AND I NEVER DONE BUSINESS WITH THIS COMPANY. ON XX/XX/XXXX XXXX XX/XX/XXXX I WAS CHARGED XXXX ON MY CHASE CARD # XXXX MY NIECE AND I CALLED CHASE CREDIT CARD ON XX/XX/XXXX AND REPORTED FRAUD WHICH THEY TOOK THE CASE AND PUT CREDIT OF XXXX ON THE NEW CARD THEY SENT ME WHICH WAS CARD # XXXX AND CREDIT WENT ON THAT CARD. I PAID BILLS WITH THAT MONEY AND THEN RECIEVED A LETTER FROM THEM THAT STATED THEY WERE TAKING THE CREDIT BACK. WHICH AFTER PAYING BILLS I SHOULD OF HAD LIKE 17,000.00 SOMETHING LEFT OVER. THIS IS SO BAD THEY WOULD D THIS TO THERE CLIENTS. NOW IM STUCK OWEING MORE MONEY. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK. I HAVE NO IDEA WHO THIS COMPANY IS WHO TOOK ALL THIS MONEY OUT OF MY ACCOUNT I NEVER AUTHORIZED THIS MONEY TO COME OUT OF MY ACCOUNT AND I NEVER DONE BUSINESS WITH THIS COMPANY. CHASE VISA SHOULD BE ASHAMED OF THEMSELF. PUTTING A SENIOR CITIZEN THROUGH ALL THIS GIVING ME THE CREDIT AND THEN TAKING IT AFTER WEEKS AND AFTER I PAID BILLS
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AK)

I was contacted by XXXX. of XXXX, Georgia about a debt owed to XXXX XXXX. They threatened to sue me if I didn't make a large payment immediately. A lawyer called me from XXXX, Alaska and threatened a lawsuit. The account number on their paperwork was different than the XXXX XXXXXXXX account number. I didn't catch this until Midland Credit Management contacted me and told me I owed them money for the same debt. Their account number matches my old XXXX XXXX credit card number. So as it stands now I may have to pay for the same debt twice. The phone number for XXXX. is XXXX. The file number is XXXX. All their contact information is in the attachments.
Consumer complaint received 2022-12-06
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THAE DATE IS NOW XX/XX/XXXX This-fraud account I demand to be removed immediately ACCOUNT : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

Transworld System Inc formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company has stolen my information not once but twice and keeps harassing that I owe them money!! I have asked them to provide me with the original contract with my signature which they can't provide. They changed there name so that they can collect and steal money from people. I want them shut down and put out of business!! I also want to be paid for them putting something on my credit report that is not legit.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (MI)

On XX/XX/2023 I anticipated on receiving Direct Deposit payment from Social Security Administration in the amount of XXXX dollars, after my deposit did not post I called Credit Karma customer support 3 times first talking to an agent and two different supervisors and was informed that my deposit was deposited into a different account number and because it had already been posted they can not reverse the transaction and that I lost my money. I explained to the two supervisors that because of this error on the bank side that I have no money to survive the rest of the month on and the only response I got was he was sorry, but the bank can not reverse the deposit into my account because it was already posted in the wrong account. 

Maybe I am wrong on the financial side of the law, but I thought once a wire transfer comes to your bank you must verify both the name and account number is the same and if not send the money transfer back to the sender not just deposit the money in someone else account and leave the rightful owner broke. 

I just would like to receive my payment back so that I can maintain my survival for the rest of this month. 



XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The collection agency/debt buyer has categorically ignored all attempts to dispute this debt and has merely sent generic letters showing that they are initiating a " review '' of my inquiry. The agency has violated the FCRA and FDCPA by not properly marking the debt as in dispute. They should be prosecuted to the fullest extent of the law. 

On or about XX/XX/XXXX they placed a fraudulent trade on my bureau alleging I owe Capital One. I do not. 

I sent letters disputing the debt as fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was ignored each and every time. 

I disputed with the bureaus and they merely verified, knowing full well I did not open the account.
Consumer complaint received 2024-04-26
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: JPMORGAN CHASE & CO. (IL)

On XXXX my Chase Sapphire Preferred Credit card was charged {$2100.00} from XXXX. I did not make or authorize a purchase on XXXX in XXXX. I called Chase Bank on XXXX and they noted I had to wait until the pending charge hit my account to pursue further. I then called XXXX to explain that I did not authorize this purchase. They noted they locked the account and updated the email address on file, however with my active email, I still ( to this day XXXX ) can not access the profile or order details. XXXX noted they were unable to reverse the charge and I would have to manage it with my bank. On XXXX after the charge hit my account I called Chase Bank again and explained that I did not make or authorize this purchase. They noted they would remove the charge and look into it. They removed the charge, but on XXXX ( 5 days before my bill was due ) the charge was re-instated. I called the recovery team ( XXXX ) on XXXX and spoke to XXXX ( he noted he was unable to provide last name or company identification number due to security reasons ). During this discussion, XXXX noted the charge would be removed in 4-buisness days. I have since asked for a copy of the recording from this call per the XXXX XXXX XXXX of XXXX. On XXXX, I called the recovery team again as the charge was still on my account. This time, XXXX answered and noted sometime it can take up to 15-buisness days for the charge to come off my card. On XXXX, XXXX of the Chase Bank investigation team called me and noted they are unable to take the charge off my card as the XXXX account is linked to my old email, which I no longer have access to and have been trying to get in touch with XXXX  to revive- this was stated on each of the previous discussions with Chase as well. I requested she go back and listen to the call from XXXX when XXXX confirmed they would remove the charge. XXXX stated the matter is closed and they would not be removing the charge. I am really disappoint in Chase Bank and their lack of support to remediate fraudulent charges. This is the first time I ever have had to dispute a charge with a credit card company and am shocked at how Chase are managing this. I did not make or authorize this purchase and I should have rights in this situation with Chase. {$2100.00} is a lot of money to me. I pride myself on paying off my credit cards in full every month to ensure I stay out of credit card debt, but this will be a challenge with the large fraudulent charge on my account.
Consumer complaint received 2021-03-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Due to bad service in XXXX I closed all my Bank accounts with XXXX XXXX XXXX. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate XXXX XXXX XXXX credit cards in XX/XX/2020 : A personal XXXX XXXX  credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a XXXX  employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under XXXX accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against XXXX  accommodation program and Terms and Conditions for credit cards in their accommodation program. XXXX Credit Card Terms & Conditions for Covid accommodations. I am reporting XXXX XXXX had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to XXXX XXXX and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by XXXX XXXX  in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by XXXX XXXX  decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by XXXX XXXX  I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. XXXX damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.
Consumer complaint received 2022-10-24
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. (FL)

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 

XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2022-10-24
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. (FL)

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 

XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX