davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
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: JPMORGAN CHASE & CO. (AL)

Creditor : Chase Bank USA Na Credit Bureau : XXXX  XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Chase Bank XX/XX/XXXX ) I contacted Chase Bank Usa on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Chase Bank Usa or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NY)

I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX reporting to experian report number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (IL)

I am submitting a complaint after noticing unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.
Consumer complaint received 2018-03-08
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. (AL)

Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2018-11-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NJ)

On XX/XX/2018at XXXX, I entered XXXX XXXX XXXX in XXXX XXXX , NJ and proceeded to do my usual business a the facility. I wanted to use Western Union services, however the debit card slider component of the machine was not working and was told by the cashier that it had not been working for over a month. I told her that walking to the ATM at XXXX XXXX XXXX to withdraw a large amount of cash then back was unsafe. The cashier responded " don't know what to tell you '' I then went to the ATM and withdrew the cash to send at XXXX XXXX XXXX to do the transaction. The rude cashier then told me that Western Union was closed for the day, so I made the risky trip for nothing. I asked to see the manager and the cashier yelled at me and said " I am the manager!! '' and then kept screaming at me further saying " since you want to be a XXXX, it's not my fault it's Western Union 's fault '' I told the manager that there's no reason why she allowed this problem to persist for a month. Not everybody carries large amounts of cash on them for safety reasons. I angrily headed toward the door as the manager kept yelling at me then said " take your business someplace else! '' I said I was sorry if I angered her and she replied " no ''. I had been doing business at this check cashing place for over 10 years. This combative manager finds it easier to attack customers and lose business rather than getting Western Union problems fixed. In the past I have tried to ask who the owner of the facility was to resolved complaints however I was denied information, so there is no way to complain to the manager 's boss. This manager can verbally attack any customer she wants without any consequences.
Consumer complaint received 2019-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CO)

I use XXXX XXXX for my bank and I feel I'm being taking advantage of with all the overdraft fees I'm charged every month. I feel some transactions get stuck in pending, and when a certain day hits they just slam my account with overdraft fees. I can understand that if I overdraft one fee hitting my account, but the way they are charging me I can overdraft by {$40.00} and they will hit me with 4 overdraft fees making my account negative over {$150.00}. This seems to happen every month. I have contacted them numerous times threatening to close my account, but they will not work with me on getting my fees back. I deposit {$1500.00} every month and I feel like I'm a good customer being taken advantage of. I can attach my bank statements to show an example. I am going to change banks but this has been difficult because this is a government account that I use for my son 's social security. So really they are taking money from my son 's account. Any help would be greatly appreciated. Thanks
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

On XXXX XXXX  I deposited a check via mobile deposit that turned out to be bogus. I did not know this ath the time of deposit, it was an email scam that I found out about later. I contacted Ally Bank and reported the circumstances and provided all information regarding the scam including various emails I had received. I was assigned a fraud case number XXXX. I am a VICTIM. At that time, my accounts were frozen. My ability to access my online accounts were stopped. It has been over a week and I still can't access my money. I have a XXXX XXXX  bill in my wallet. My debit card does not work. I am receiving alerts from ally informing me of low balances and I can't access my accounts. I am XXXX XXXX XXXX, I don't have credit cards and live on social security. I need food amd medicine and can't get either because I have no access to my money and afetr contacting Ally every day this past week I have gotten no where. Please help me.
Consumer complaint received 2021-09-09
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. (MI)

XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX {$22000.00}, XXXX  XXXX/XXXX  {$340.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX XXXX , XXXX XXXX XXXX {$410.00}, XXXX/XXXX  XXXX XXXX {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. None of these accounts are mine, I didn't open them and never used them.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I have a credit card with Synchrony Bank. It is XXXX XXXX   card. I received a letter that they have closed my account because they received information from XXXX XXXX stating my credit score had fallen. I did not owe any money on my card. I've always paid on time, and even paid before the promotional period ran out. If my credit score is so bad why did they leave the other accounts that I have with them open, ( XXXX  and Walmart )?? I didn't even apply for a credit limit increase or any new credit, so there would have been no reason for Synchrony to run my credit report anyway. I tried to call them and keep getting the run around. After reviewing the complaints that have been made by so many other consumers, I believe that Synchrony is working with XXXX XXXX  to lower consumers credit scores so that they can be charged extra money for interest rate.
Consumer complaint received 2021-06-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft and I have been trying to solve this issue with the creditors and credit bureaus for awhile now and I have not getting any results or even an answer from anyone. This is my last resort as I am just trying to move on from this nightmare.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I tried to refinance with my current Mortgage Company NewRez in XXXX of this year. They denied me because my condo was now worth XXXX which is XXXX less then I paid for for it in XXXX Upon being denied I opt out. Today I received a c all from NewRez telling me of the great rates. I opted out in XX/XX/XXXX and today is XX/XX/XXXX well over 30 days ago. It is clear that NewRez is not following the opt out rules for their customers
Consumer complaint received 2022-05-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That Bank of America Bank And XXXX XXXX XXXX XXXX XX/XX/XXXX Without My Knowledge As Well
Consumer complaint received 2022-05-03
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That XXXX XXXX XXXX XXXX  And XXXX XXXX XXXX XXXX XX/XX/XXXX Without My Knowledge As Well
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$2600.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press  release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

Jefferson Capital System - XX/XX/2023 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Consumer complaint received 2022-05-03
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: General Motors Financial Company, Inc. (SC)

In accordance with the fair credit Reporting act GM Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-25
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. (TX)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

In XX/XX/XXXX, Mr. Cooper took over the servicing on my mortgage. In XX/XX/XXXX, I learned that the XXXX real estate taxes were not paid from the escrow account on time. In late XX/XX/XXXX, Mr. Cooper finally paid the penalty and interest charges assessed by XXXX XXXX XXXX for the late payment of real estate taxes. However, the failure to pay the real estate taxes before XX/XX/XXXX resulted in the loss of a tax deduction on my XXXX income tax return. As a result, I am out of pocket {$520.00} due to their negligence. 

Since the additional income tax was directly attributable to Mr. Cooper 's failure to pay my real estate taxes on time, I am seeking damages equal to the additional tax that I incurred XXXX {$520.00} XXXX. Although I have countless hours invested in getting this situation cleared up, I am not asking for any additional compensation for my time.
Consumer complaint received 2019-08-25
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. (GA)

I have tried to dispute 5 negative and fraudulent accounts located on my XXXX credit report to no avail. They have even maliciously denied me the ability to dispute these items online and refuse to process my mail in disputes. They are continuously violating the FCRA.
Consumer complaint received 2019-08-25
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: Bull City Financial Solutions, Inc (VA)

This is concerning XXXX XXXX of North Carolina. I was first contacted in 2014 by their collection department stating I owed {$200.00}. 
I explained to the person that I have never lived in the State of NC so this was impossible & that someone must be using my personal information fraudulently. They did their investigation and told me they obtained my information from a rental application for an apartment. I then contacted the rental company who had also filed a claim against me for non payment of lease. I was shocked because I have never lived in NC. The rental agency cleared me of all liability. I contacted XXXX XXXX again and they assured me not to worry that the charges would be deleted. I thought this was supposed to be handled in 2014.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account number 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.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (NY)

This was a secured account they had a deposit on the account for XXXX I stopped paying because the interest was crazy the balance was much lower than the XXXX originally put to secure account they kept the balance I should be considered even