davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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. (FL)

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX System Account # XXXXXXXX XXXX Accounts Account # XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2021-07-18
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: General Motors Financial Company, Inc. (NY)

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX - Americredit XX/XX/2020 - Americredit XXXX XX/XX/2020 - XXXX XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Consumer complaint received 2017-08-07
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. (MI)

I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. XXXX XXXX XXXX-UNAUTHORIZED- HARD INQUIRY- X/X/17 CHASE CARD-UNAUTHORIZED- HARD INQUIRY- XXXX/XXXX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- X/XX/17
Consumer complaint received 2021-12-22
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. (MD)

I recently viewed my credit report and saw some accounts and inquiries i did not authorized. I then contacted the company to see what needed to be done to remove these unauthorized items. I have since submitted all documents asked of me but have the items still persist. I have some huge goals i would love to accomplish in the near future and these items are stopping me from attempting and it is becoming frustrating.
Consumer complaint received 2021-12-22
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: Convergent Resources, Inc. (MD)

From XXXX to XXXX I had XXXX. I also had one other person added to my account because they claimed they needed a phone. The person decided they would not pay their bill so I brought my phone up to date and switched to XXXX in XXXX. Prior to that, XXXX charged exuberant prices to which they could not allocate the reason for the costs and wrote them off as hidden fees. XXXX is a very bad company. Fast forward to XXXX, I am receiving letters stating I owe $ $ on a device that is not in my possession nor do I own. The person on my account attempted to send the phone back to XXXX, XXXX claimed they could not take the phone. XXXX has messed up my credit significantly and has set me back 5 years. Without any investigation, XXXX allowed an account under my name to remain open and charged. Now that theyre no longer a company, theyve insistently harassed me over a year for a charge that does not belong to me and subsequently, ruined my credit.
Consumer complaint received 2017-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

I have been contacted by Berlin Wheeler regarding a debt for the XXXX Clinic. My current doctor is in that office. I have been contacted several times by phone. I have asked for validation of this debt. This has never been provided. I have an account with the Clinic and make monthly payments on the account to XXXX Clinic. I have told Berlin Wheeler that I will not pay them, also not to contact me by phone.
I have asked for verification several times, but have yet to receive it. The calls continue, nothing in writing has been provided. Also, if this is reported to my credit bureau, I will file suit against XXXX  Clinic and Berlin Wheeler for FCRA violations.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX Bank has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX Bank is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, Government Official My name is XXXX XXXX. My contact information : XXXX - prefer this communication after all phone number scams. 
Or physical address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I'm a victim of a scam which cost me {$1900.00}. 

The scammer called via phone that represents government agency, provided a lot of sensitive data, using government spoof phone numbers for example : XXXX XXXX XXXX pretend to be police department, XXXX XXXX XXXX pretend to be ICE ( Immigration and Customs Enforcement ). Demanded money transfer as a bill/ticket for some bureaucracy issue saying if not I will be detained by police department. The number XXXX XXXX XXXX googled as police department so I trust it, I didn't now that its possible that caller number is faked. Also provided this phone number : XXXX XXXX XXXX. 


They pressure via phone calls and asked to send money {$1900.00} via XXXX transfer to XXXX. As per Bank of America, it's XXXX XXXX account. Please help to persecute these scammers. Any email in XXXX linked to some account, so if there would be an investigation hopefully you can digging into this issue. 

Called Bank of America service immediately however not receive any response on time, file filed just on the next day when I informed that it's not filed the previous day. As per Bank of America, they can not do anything to help me to get my money back. Not hear anything back from Bank of America. 

Additionally to this need to complain about XXXX app practice - they not tracking and revert any activities. It's a very open system for criminals. There is no way to revert this type of transaction. XXXX should say by big word statement in the application that they do not revert money transfer if there is a scam. I read a lot on the internet about issues with XXXX since its beginning and still, there is no customer protection. XXXX is just a loophole for criminals. 



Also why a customer of phone service XXXX XXXX ) can receive fake calls with government numbers. It's extremely high risk due to this. It's almost XXXX. Somebody spoof the government agency 's phone number and people became very sensitive. 


Kind regards, XXXX
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (IN)

XX/XX/2019 I received a letter from Key Recovery stating that I owed {$6500.00} to XXXX XXXX. I emailed Key Recovery on XX/XX/2019 to find out more information and never had a response. I contacted XXXX XXXX who stated and provided proof that my balance is only {$4400.00} with them. Key Recovery is charging me {$2100.00} in fee 's.
Consumer complaint received 2020-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

First Citizens Bank advertised a promotional offer of {$300.00} cash bonus for opening a Free Checking Bundle. I opened the account through the promotion on XX/XX/2020 and met all the requirements ( minimum balances in checking and saving accounts, 10+ debit transactions ) by XX/XX/2020. It's been six months and the bank has not provided the {$300.00}, which was promised within 90 days of account opening. I've contacted the bank but got bounced around and never received a response.
Consumer complaint received 2020-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas) (AR)

COLLECTOR KEEPS CALLING MY MOM AND DADS CELL ( XXXX ) XXXX AND XXXX 13 TIMES AND WERE TOLD TO CAES CALLINGS MONTHS AGO SO WE TOOK SCREEEN SHOTS And are now suing you in XXXX district court for {$5000.00}
Consumer complaint received 2020-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX. Capitol one account account was recognized as open I dont have a credit card at all told them I would pay the balance off if they showed as closed in a retaliation they sent in as a charge off dropped my credit score 40 points after I agreed to pay it as soon as it was shown as closed. Now I cant get a loan for my XXXX which is imperative to have to live. Capitol one gave someone a credit card in my name years ago and I took them to court guess they are getting me back for something they did to begin with. I told them I would be glad glad to pay the XXXX they said I owed them for a card I dont own just to save my credit. But they turned in as a charge off not fair I had already cut them a check waiting on the proof of a closed account. And when XXXX  posted results capitol one gave me a charge off. I need this resolved so I can get my XXXX I dont have insurance so I have to pay cash and now there is no way to get a loan with a charge off
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NC)

I have a cc with the XXXX card under Elan. I have ALWAYS paid my payments on time. In XXXX, XXXX I had a few disputes, one with XXXX XXXX  who tried to charge my card after I canceled the monthly membership, and one with XXXX. With that said, I called XXXX to cancel the card, Spoke with XXXX who was supposed to cancel the card, reissue a new card, and send out paperwork for the disputes. I never received the paperwork, nor did I receive the new cc even though I could validate the time frame in which I canceled the services with XXXX XXXX and provided the information to XXXX along with the dispute with XXXX. I had to call back the XXXX card and file another dispute with XXXX, which was cumbersome, but XXXX did fix the issue with XXXX, sent out a new card, which I never activated, and did pay off the dispute balance for XXXX in the amount of {$800.00}. While XXXX XXXX  is good about waiving late fees they do not adjust interest and continues to bill for the interest. How is one responsible for interest based on reversals? Not logical and does not make sense since late fees were waived and payment was received in full. Due to the fact that I had a dispute with XXXX, interest should have been waived as it was on hold. Once I no longer contested payment, I paid the bill in full. Mind you, I was supposed to receive paper and electronic statements due to a move and I did not. I attempted to resolve the issue on XXXX, XX/XX/XXXX, and on XX/XX/XXXX, and the response I received is we have credited your account for late fees and some interest, but again if the account was in dispute and I did not receive statements, which are not applicable during disputes, then no interest and penalties apply. XXXX Elan is not waiving the fees and in one day I acquired XXXX dollars in interest. Again, I must stress the fact that if items were in dispute and XXXX Elan did not adhere to THEIR policy, how am I responsible for their fees? I am trying to close out the account as it is limited at best. Thank you.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/2020 at approximately XXXX XXXX I received a notification from my chime account stating XXXX was removed from my account at an out of network ATM. At this time I was at home and my card was in my wallet. I immediately called Chime customer service to inform them them that I didnt not make that transaction, I was told I had to wait until the transaction was no longer pending to file a dispute. I asked the agent why wasnt this transaction flagged due to the fact that It was unusual activity, I rarely remove money via an ATM and especially not that large amount and was under the impression there was a {$500.00} daily ATM limit. Agent could not provide me with an explanation as to why my funds were not protected.I asked the agent where was the ATM located that was used so I can file a police report. I then called XXXX   police department to file a report. On XX/XX/2020 the transaction finally posted and I was able to file a dispute. I provided Chime with the case number the detective gave me and a written statement of the events that occurred that day. I also informed chime that my card was definitely on me and I have not shared my pin with anyone. Because I am a single parent I called Chime asking when will I receive my funds back I have to care for my children. I was told I would be receiving a provisional credit on XX/XX/2020. It was extremely hard for me to wait because that was all that I had due to the pandemic so I called XXXX to file a complaint about the wait time and was unable to be assisted.On XX/XX/2020 the day before Chime was suppose to give me my credit I received an email stating my claim was denied and no error occurred on my account. I immediately responded stating that is completely false and why did I file a police report if no error occurred. Its been weeks since this even occurred and I am in desperate need of my money back and dont know what to do. Im so afraid because now I think that the people that stole my Money are Chime agents and thats why they falsely denied my claim.
Consumer complaint received 2020-05-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwood Asset Management Group (CA)

On XX/XX/XXXX I rec 'd a forwarded recorded message from someone whom I do not live with, stating that a Ms. XXXX with Northwood Asset Management Group  ( AMG ) was looking to obtain a statement placed in their office containing my name and social security number, stating to call XXXX. The person who forwarded the message is not part of my household, and the phone number Ms. XXXX called attempting to reach me, is not a valid number for me, and has been continuously leaving messages at various individuals voicemails about the debt. The information was obtained through public records and violated the debt collection act by leaving details that should have been intended for me. I received a direct call on my personal cell phone on XX/XX/XXXX at XXXX XXXX, from the same individual, Ms. XXXX representing AMG. She stated she was representing the former Creditor, XXXX with whom I defaulted on a {$3500.00} installment loan in XXXX, after I could not complete the final payment of {$1800.00} estimated balance on a negotiated settlement for the loan. The the loan was sold for collection to AMG. I told Ms. XXXX that the number she was calling me on this day, was my correct phone number, and and that she is to only speak to me about the debt, and no one else. I advised her that I was unable to pay due to a Federal Tax Lien Filed on my personal property and assets by the Internal Revenue Service in XX/XX/XXXX. I stated that I was in the process of obtaining an attorney through my legal team XXXX XXXX XXXX, and preparing to file a bankruptcy petition with a legal counselor. I stated due to the tax lien, no funds would be paid to anyone until a plan was put in place and filed. She proceeded to argue with me about the debt, and ask why I haven't obtained an attorney. I explained to her, that I am a XXXX  XX/XX/XXXX, I am in the midst of a financial hardship due to COVID-19, and since the courts were closed, having trouble finding an attorney. I obtained her address, and stated the company she was collecting on behalf of would be notified of the attorney and case when it's finished. Ms. XXXX was also told again on XX/XX/XXXX, if there are further collection calls, she was to contact me directly and no one else! I gave her my number again, and verified my mailing address. With that in mind, she still proceeded to harass me about why I haven't filed, why I haven't obtained an attorney, and that she had a right to call whomever to collect the debt, and I hung up. She is still calling other people and leaving messages, knowing that she has my active contact information on file! Today, on XX/XX/XXXX. I was notified by yet another individual, again, who does not live with me, is not related to me or share the same phone number, that they received a recorded phone message from Ms. XXXX stating they were attempting to collect a debt, and left details on the message. This is a violation of the Fair Debt Collection Act.