davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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: ERC (SC)

Accounts in collections from original creditors XXXX now reporting from Enhanced Creditors Company. It has an open balance of {$350.00} and is reporting to XXXX. I have tried numerous attempts to remove. I have contacted original creditors XXXX, but nothing has been done about this. This account does not belong to me. I've explained on several occasions that this account does not belong to me and needs to be removed from my credit report.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CT)

I am a college student who decided to use Chime for banking but they held my account hostage and held onto my money even though I have provided them with a government issued ID as they requested. They claim there is a security breach even though they have no evidence. They sent me a link to upload my ID. Upon completing that, they sent me several seemingly generic messages stating that they didnt receive my ID. 

There are many reports of this companys fraudulent activities and I believe they are scamming consumers during tax season. I am requesting that my account be reinstated and compensation for the stress caused.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (NV)

I noticed on my credit report that Hunter Warfield started I owed XXXX XXXX. I never received a letter confirming my debt. I was evicted without a hearing after XXXX pulled my eviction on XX/XX/. I was evicted I XX/XX/XXXX  without XXXX going through proper procedures after withdrawal from eviction. This is illegal and I will add this to legal aid. Please remove from credit report. I filed my paperwork for a hearing before eviction. Since the original creditor, XXXX sold my debt to another agency they have forfeited any right to collect
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount Recovery Systems, L.P. (GA)

Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, My name is XXXX XXXX XXXX and I have been a preferred platinum member with BOA for over 15 years. I have an issue with the Bank because every time I use my debit card or make a purchase with my debit card I get international transaction fees. Previously, the bank would waive these fees for me if I had already made a purchase. However, now they want me to call each month and tell them I need a waiver put on my account. I find this very inconvenient and somewhat of a hassle. I have told them that I could give them the dates that I would be overseas, but they still want me to call each month. BOA has been impractical and unfair regarding this matter.
Consumer complaint received 2020-01-09
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. (OH)

My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Since Last XXXX, we have been in contact with SPS to try to do a new loan modification on our mortgage. They have been very uncooperative on helping us. They did do a modification, however they gave us a very short amount of time to pay our first payment. My wife had some medical problems in XXXX and I had some XXXX XXXX in XXXX. We reach out to SPS and asked about changing the date of our first payment. They did not change the date. 

SPS sent us a repayment plan instead. The repayment plan was for 2 times our normal payment. We were unable to pay this. Since then, they have been unwilling to work with us. 

SPS is also constantly changing our contact person. Every 2 -3 weeks we get a letter with a new relationship manager to talk to. We are constantly try to work out stuff, but we keep changing people to talk to.
Consumer complaint received 2020-01-14
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: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On or before XXXX XXXX I lost a folder containing my Credit card, a Copy of my Passport, and Copy of my XXXX to XXXX. During this time my folder was missing, someone used my Credit Card to make purchases. I did NOT make the purchases nor did I authorize any purchases to be made. I contacted HSBC once I noticed the card was not in my possession and that fraudulent charges have been made. I have had to repeatedly call them and tell them what has happened.. The very 1st time I contacted them I told them my card was missing.. They rejected my claim because they said that my card was present during the transaction. I did not have possession of my card when I called to tell them it was missing. I have been getting the run around with HSBC. They are now calling me to make payments on charges I did not do or authorize. When I Call HSBC they say they are recording the call.. IF they are doing so then why are they getting the story mixed up between themselves? I have done everything that they asked of me. I have went to the police station to get a police report, In which I was told I could not do so because I lost my card in another country. I informed HSBC of this. Then they told me to contact merchants that I have never been to gather information for them. I immediately did so and contacted HSBC afterwards. Every time I call HSBC they seem to bring up new things to NOT rectify this situation. They speak to me as if I never spoke to them before about this Issue. I am constantly repeating myself and I am Not sure if they are selective in what they want to hear or if they just dont care. I am now getting calls to make payments on transactions I know nothing about. HSBC is acting very unprofessional. I havent received any letter from them pertaining to any investigation or anything about my claim.. However I have received Bills and Numerous calls about making payments.. This is not fair at all. I have had to call them numerous times to see whats going on. Its like after I filed my Claim they just forgot about me..I didnt get any info about my claim. However I have received a bill, and fees for lates payments for transactions I Know nothing about. I want to know whats going on and how we can rectify this. What did they conclude? What notes they have of our conversations together? Why my claim was denied? Whats going on?. This is very frustrating. I have done Everything they ask of me. HSBC seems to not want to help its customers. I need Help with this issue. Thanks
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Revenue, Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America is not helping with my fraud for XXXX with some other charges theyre denying the claim, theyre stating I used the card when they themselves called me and emailed me to tell me that fraud was detected ( please see attachments ) when they called me I told the reps to stop the charges as I didnt auth or agree to them and they said it was taken care of, Now theyre saying that I auth someone to use them and theyre denying them! This is bogus nobody made them purchases but the scammers who received my info. Its crazy how they notify me of the fraud detection and now Im guilty, it makes no sense.
Consumer complaint received 2020-01-13
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Consumer complaint received 2023-12-01
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: SYNCHRONY FINANCIAL (GA)

Earlier this year, XXXX or so my card was compromised by someone who charged air fare, cruise ship charges, XXXX charges, etc. TjMaxx is the issuer of the card. I had been getting a lot of fraudulent transactions therefore they cancelled my card. Prior to this they kept issuing me new cards. Each time they were compromised even before I received the new card in the mail. I called their fraud department at which time I was told I was not responsible for the charges in question. They have never gotten back to me concerning there charges so I assumed all was taken care of by the fraud department. These charges were made In California, I havent left the state of Georgia in at least 3 years. 
Now I am being billed for these charges, after calling their fraud department, I have been put on hold for quite a few moments and the last time I stayed on hold status for over XXXX hour at which time I hung up. I do not owe these charges and do not want to continue this fight for collection.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

I allege that Chase Bank is MANIPULATING my Sapphire prefered credit card in order to gain higher interest. Chase posting of transaction is PURPOSELY NOT FAST enough, so they can always have a balance on my credit card. For example : when my card had a balance of {$210.00}, I paid with actually 'cash from my checking account '' which is immediately transfer. Chase did not clear it, hold it PENDING AND WITH A RECALCULATED BALANCE OF {$180.00}. ONCE AGAIN, I CALCULATED HOW MUCH I WAS SPENDING, AND PAID THE BALANCE OF {$180.00}, AND HOLD IT PENDING, NOT CLEAR IT. THUS CHASE IMMEDIATELY POSTED EVEN A HIGHER RECALCULATED BALANCE OF {$180.00} WHILE {$180.00} WHICH I TRANSFERRED FROM MY CHECKING ( CASH ) ACCOUNT, IS STILL PENDING. 
IT SEEMS CHASE IS TRIPLE DIPPING : USING MY MONEY FROM MY CHECKING ACCOUNT, HOLDING MY CHASH AS PENDING, WHILE I TRANSFERRED TO MY CHASE CREDIT CARD... ON THE CREDIT CARD, MY ACTUALLY CASH IS PENDING, AND THE MERCHANT IS NOT PAID ON TIME .... ALL FOR THE GAINS OF INTEREST ILLEGALLY BY CHASE. 
THIS IS SO INJUST!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2020-01-13
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. (OH)

Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : Equifax XXXX XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX/XXXX XX/XX/2019 Equifax XXXX XX/XX/2019 Equifax XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

i have requested inaccurate information to be deleted from my credit report and all 3 bureaus comes back verified without doing a reasonable re-investigation per 15 usc 1681i6b3 and i have attached documents below for your reference.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MO)

XXXX XXXX XXXX ( Self/lead Bank ) has continued reporting information on the consumer report. Information that is being reported is considered income. Notice was sent to company revoking any and all authorizations that the consumer may have given the company. Self financial XXXX XXXX file number XXXX, said company is securitizing securities given by consumers. The proper accounting and reporting shall be done to correct this issue by law. If this is not done by said company I will invoke arbitration with Self Financial with evidence from financial forensic audit on behalf of the consumers account and contract agreement that details accounting on public and private side of such account. Also on the consumer behalf file form XXXX XXXX due to Company failure to properly report and give consumer proper documentation that such reporting was done per IRS publication XXXX, providing consumer with their copy of 1099 C that was filed for this charged off debt.
Consumer complaint received 2022-12-27
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: LEXISNEXIS (GA)

On XX/XX/2022, I sent a letter to the LexisNexis reporting agency asking them to verify the accuracy of a XXXX  XXXX Bankruptcy listed on my consumer reports. I received a letter back stating that they verified through XXXX XXXX center. I then emailed XXXX, asking do they report any information to third party reporting agencies, in which they responded with They do not contact consumer reporting agencies. I also wrote a letter to the U.S. Bankruptcy Courts asking them do they report any information on a consumers report to and third party consumer reporting agencies ; they responded with they do not report any information to any credit agency. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-13
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 WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.
Consumer complaint received 2022-10-01
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. (GA)

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.