davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (SC)

I am writing to dispute the following information that is reporting on my Equifax Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. 
*Account name not listed, account XXXX balance is {$500.00} *Account name not listed, account XXXX balance is {$1100.00} XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX  The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2019-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hameroff Law Group, P.C. (AZ)

credit card opened by spouse solely XXXX credit card co charged of debt XXXX debt was purchased by Western State Financial Management, LLC Judgement was sub- served to mother of spouse. 
Spouse was in hospital in critical care when sub-served. 
spouse passed away shortly after without knowledge of service on judgment. 
Hamerhoff Law obtained judgment after attaching me as spouse. 
I had no knowledge, never signed or requested said credit. 
Hamerhoff Law then renewed judgment XXXX. 
Now remarried - have lein against the title of home purchased under my name, and new wifes name.
Consumer complaint received 2019-11-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been a victim of Identity-Theft and have filed reports of this in the past to Local, State and Federal Authorities, as well as, FTC and CFPB over the last few years. I now have a fraudulent account ( USAA ) that was previously disputed and removed from my credit records months ago return as of today on my XXXX  credit file. Once again, I have never had such an account and it is an account due to fraudulent use of my personal information.
Consumer complaint received 2019-11-20
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. (CA)

I have been a victim of Identity-Theft and have filed reports of this in the past to Local, State and Federal Authorities, as well as, FTC and CFPB over the last few years. I now have a fraudulent account ( XXXX ) that was previously disputed and removed from my credit records months ago return as of today on my Experian credit file. Once again, I have never had such an account and it is an account due to fraudulent use of my personal information.
Consumer complaint received 2023-02-20
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: OneMain Finance Corporation (TN)

I have multiple unknown hard inquiries on my credit report. However, I wasn't the one who put them there. I've been on the journey to build/establish credit. I was instructed not to apply for anything during the course of doing so. Somehow, someone has my information and was applying for accounts in my name.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

My bank XXXX XXXX submitted one of their bank checks # XXXX to Chase Bank in the amount of {$65.00} dated XX/XX/2019. However the check was sent to the wrong Chase account. The Chase account that the check was sent to was a closed Chase credit card account. My bank XXXX XXXX and myself were on a conference call to have the monies refunded. XXXX XXXX  opened a case for this transaction. However Chase Bank admitting that they cashed the check of which I have copies of front and back refuses to refund my money because I do not have an open account with them, although I have a number of other Chase credit cards. I have been on the phone with them a number of times. On XX/XX/2019 I was on the phone with Chase for 30 minutes and was informed that they could not help me and that I had to walk into a local branch where they would be able to resolve the issue. I went to a Chase local branch in XXXX XXXX and sat with a branch manager for over an hour and they refused to refund my money because I did not have an open account with them.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was not satisfied with the result I got from my Transunion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CT)

I have contacted Discover Card regarding my account on several occasions, either by phone or by email. The last two email regarding this issue was on XX/XX/2019 ( reference # XXXX ) and XX/XX/2019 ( reference # XXXX ). 

The issue is that my account had originally been locked while I was enrolled in a payment plan. I could not afford the payments at the time and they helped by reducing my interest rate to 9.99 %, which lowered my payment. The stipulation was that my account had to be locked, which I was 100 % fine with since they were helping me. 

The problem is when my payment plan expired, my account remained locked but my interest rate jumped back to 19.99 %. As of this filing, my account continues to be locked and my card unusable - but I'm paying on an interest rate that is applied on the presumption that the card is usable. As of this email, I can not use the card and Discover will not unlock it. 

My money is going to nothing that I can use! I'm paying over {$300.00} towards a balance that I can not use if I had an emergency.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

I don't have any debts or credit cards because I don't even have a credit score. Credence Resource Management has continually called our number, even after I blocked it, but they still manage to let me know they called because my phone has to use a 3rd party call blocker. I am taking care of an elderly patient with XXXX  XXXX, I have no credit of any kind, nor have I ever had a loan. I'm too young   to have any as I haven't even been able to seek employment due to being the XXXX  XXXX. My number is super private and only used for emergencies. Yet this company continues to call me around XXXX every day while I am taking care of my family member, making my stress much higher than it should be.
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: DISCOVER BANK (NC)

As stated in Section 602 ( a ) of the FCRA, there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to protect my private information from being shared without my consent.

Under Section 6801 of the FCRA, it is the policy of Congress that financial institutions have an obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. As a " furnisher of information to credit agencies, '' Discover falls under this definition of a financial institution.

I want to bring to your attention Section 604 ( a ) ( 2 ) of the FCRA, which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for Discover to furnish my information to consumer reporting agencies such as XXXX, XXXX  and XXXX. Therefore, all consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, under Section 6802 ( b ) ( c ) of the FCRA, financial institutions are required to inform consumers of their right to exercise a nondisclosure option. I was never informed by Discover of my right to opt out of having my information shared with consumer reporting agencies.

I also want to bring to your attention Section 1681C ( a ) ( 5 ) of the FCRA, which prohibits consumer reporting agencies from reporting " any other adverse item of information '' without the consumer 's permission. By reporting this account without my consent, Discover is in violation of this law.

Moreover, Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA prohibits the furnishing of inaccurate information to consumer reporting agencies. If Discover knows or has reasonable cause to believe that the information being reported is inaccurate, it is your responsibility to correct or remove it from my credit report.

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am exercising that right and demanding that Discover cease reporting my information to consumer reporting agencies.
Consumer complaint received 2022-12-04
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. (FL)

TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and TRANSUNION LLC, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with XXXXXXXX XXXX XXXX that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file XXXX XXXXXXXX XXXX XXXX Date openedXXXX ( ( please see attachments ) )
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Delete Hard inquiries : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

I was scammed online. I am XXXX years old and live alone and struggling for rent so I fell into an internet scam. The scammer offered to pay me {$500.00} through a check so I gave him my email address and full name to do so. He then sent me a check for {$1000.00} and told me i had to deposit it and send {$500.00} to an orphanage and then i would be allowed to keep the rest. This all happened on Monday so when i deposited the check only half cleared and I was told i had to send that amount instantly to the orphanage so I did over XXXX. the next day, Tuesday, the rest of the check cleared and I spent my portion almost instantly paying off bills and adding the remainder to my portion of rent. The next day ( yesterday ) I wake up and see my bank account is- {$1000.00} because the initial check bounced. I went to my local police department who laughed in my face and then my bank, Chase, who also told me there was nothing they can do since i wasnt hacked. Now i wake up this morning to a - {$1100.00} balance due to Chase charging me insufficient funds fees even though I already told them i was scammed.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XXXX in early XXXX I deposited a check from my personal account with another institution ( as I have done previously between the same two institutions through the same two accounts ) for {$9000.00}. directly into Truist ATM to my personal account. On XXXX XXXX XXXX Bank showed the check as process and debited my account. Truist has refused to release over {$3000.00} of the deposit until XXXX. I have been banking with Truist for years, never have had a bounced or NSF check. I called their online help, told nothing they could do to release funds ( even with over {$5000.00} in my business account there ), I spoke to a supervisor and was told nothing would be done as it was a decision of 'the bank '' and that there was no one that would review the hold further. This account regularly has a few XXXX dollars a month processed through it. Never a problem.
Consumer complaint received 2018-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (NV)

I was approved for a loan and wanted to take the funds but was unable to do so because I refuse to sign their Optional Payment Card Authorization. XXXX XXXX has my account on file and my debit card as well. I told the representative that I did not want them them to debit my card but they can ach the funds out of the account instead. The problem with this is that I didn't sign it before and still received a loan. Also this company has went out their way to give single payday loans to individuals and not receive a debit card on file or a check as collateral, instead they would do a draft by putting the store number as a replace of check. when I ask if they can do the same for me they stated no. 

This is a form of udaap. they treated me unfairly and treated others different. Ive work for this company for tens years now that I'm a customer mi am treated differently.
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: TRANSWORLD SYSTEMS INC (TX)

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TRANSWORLD SYSTEM INC Account Number : XXXX TRANSWORLD SYSTEM INC Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Consumer complaint received 2023-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American First Finance, Inc. (NY)

On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from American finance company, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX  these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I have tried initiate a consumer international wire transfer in branch with the bankers for XXXX  days in a row, show my paperwork, do their verifications multiple time, was assured with multiple agents from remote security team that everything is good and my XXXX transfer would go through and this is an urgent XXXX transfer. It has got cancelled the next day multiple times, even the in branch personnels have no idea why and how to help, they have tried escalated multiple time to no avail, the end result always was a canceled XXXX transfer with no clear reason.
Consumer complaint received 2024-04-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

Dear Sir/Madam, I am writing to file a complaint against Amsher Collection Services regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. 

I have recently been contacted by Amsher Collection Services regarding an alleged debt in the amount of {$2500.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to Amsher Collection Services or any other entity.

According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to Amsher Collection Services disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. 

Despite my written requests, Amsher Collection Services has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Amsher Collection Services for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.