davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX  XXXX XX/XX/XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (FL)

I was checking my credit history with Equifax, XXXX, and XXXX and I've noticed several inquiries that I did not do. Those inquiries are transactions that I do not authorize. 
These are the following transaction with Equifax. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OK)

There were multiple fraudulent transactions on my XXXX XXXX XXXX. So, I filed a dispute on XX/XX/XXXX and I sent my dispute forms by mail with a tracking number. 
Per my tracking number, my dispute forms have been delivered to the address they provided me with ( cardholders services XXXX, Fl ). 

It has been more than 10 business days and I havent received any provisional credit or any type of resolution. 

I called multiple times to inquire about the dispute or if the dispute form have been received and they keep giving me the run around. 
This company is violating Regulation E
Consumer complaint received 2024-01-10
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  have violated my rights.

15 USC 1681 section ( A ) 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 accounts without written instructions.

15 USC 1681 ( C ) ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC ( C ) 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

Hello, I contacted Chime on XX/XX/XXXX approximately XXXX XXXX XXXX, regarding an unauthorized ATM withdrawal that had occurred on my checking account. Someone withdrew {$40.00} from my checking account on XX/XX/XXXX at XXXX, yet I have the card in my possession. I spoke with a female agent who blocked the card and provided a temporary card for me to use until I received my new card by XX/XX/XXXX. On Monday XX/XX/XXXX, I called and spoke with another female agent who advised there was no record of a dispute in process. She started the dispute process asked me questions, closed the compromised card ending in XXXX and, advised the investigation could take up to XXXX plus days. I received an email on XX/XX/XXXX advising their investigation was concluded and that there was no wrongdoing. They advised they would not be refunding my {$40.00}. I called on XX/XX/XXXX and spoke with XXXX who was very understanding and apologetic. I informed him of the email I received and that I would be filing complaints against Chime because this process took only XXXX days to research, and I feel they did not perform a thorough investigation. I offered to send a copy of my driver 's license and passport so they could compare the atm camera to my picture. I've spoken with a total of XXXX different agents regarding this unauthorized withdrawal. I can not understand how someone could withdraw funds from my account when I have the card in my possession. Please help me obtain my funds back. XXXX dollars may not be much to some, but I'm XXXX, and every XXXX counts to me. I'm very disappointed in Chime because I love the bank and what they offer. I thank you in advance and look forward to hearing from you. You may contact me at XXXX and my email address is XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-27
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Paypal Holdings, Inc (MI)

I sell football cards and had a PayPal account and I had XXXX cents in it which they had locked up for over a year bc I wasn't XXXX at the time that I scanned my photo id in to their app so the locked my account and I got sick of it so I called them up and tried to solve this issue and end up getting scammed and put a report on that and then they refunded my money and then i took it off the app by doing a bank transfer and now they are saying that i owe them all that money
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, XX/XX/XXXX, of XX/XX/2023, three transactions transactions that were not authorized by me were processed through my bank via a fraudulent and unauthorized XXXX purchase/transaction. The amounts were {$2100.00}, {$1100.00}, {$4800.00}. Immediately upon identifying these unauthorized transaction, I went to my bank and submitted in person a signed " disputed transaction affidavit '' stating such. At this time, I immediately closed my bank account and assured me that I would be refunded the stolen money in a few days. Several months have now surpassed and regardless of the documentation depicting extremely unusual purchase history and or payment history, that included a police report filed, Chase bank relayed that it was XXXX 's issue, and that I needed to take it up with them. I have contacted XXXX and spoken with representatives multiple times and for several weeks now but to no avail. They claim that it was Chase Bank 's responsibility to keep your money safe. They claim to be merely a transaction service and the reason for denying my claim was that according to their investigation, my purchased history was consistent with my prior purchase history? I requested that they provide me with information pertaining to how they can claim such a reason as I have never purchased multiple notepads or laptops value the in the thousands of dollars all in one day or two and or had anything ever shipped to an address that was not on record?? When I asked him to provide the documentation they said that would but had yet to receive anything. Chase bank said that I allowed XXXX party company, XXXX, to access my account? That is the reason that they gave me as to why their nonculpable for these stolen funds. I asked representatives who appeared to be an XXXX call center and who claim to be the fraud department, if my money at the bank was insured? They can provide me a straight answer. I asked him that if they knew whether or not my money was insured from theft, and that I wanted to follow claim for my stolen money. XXXX had no answer other than they were sorry and that I needed to take it up with XXXX? There are multiple recorded messages with the numerous conversations that I had with XXXX and Chase bank. I have requested that XXXX send me all records of my conversations since the conception of this problem. XXXX has relayed that they were going to process this request and that could take up to 30 days? My money 's were stolen and I thought I was insured by my bank. I was never told or advised that I could not sign up with a XXXX or cash service transaction provider that would void my insurance?.
Consumer complaint received 2019-02-17
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. (NJ)

I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXS Finance/Personal XX/XX/XXXX TransUnion
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc. (NY)

I was sent a debt collection notice from AllianceOne. Their notice violates several FDCPA guidelines. ( see attachments ) Also, they have not been able to provide any contract saying I'm liable for the debt either from them or the original creditor.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Credit Bureau was mailed Federal affidavit to verify all inaccurate accounts, addresses, and inquires reporting on my consumer credit file. Credit agency failed to provide legal validation of the alleged debts within lawful time frame. Credit agency is reporting invalidated information this action constitutes fraud under XXXX and XXXX Laws. Credit agency violated Fair Credit Reporting Act by reinserting previously without written notice within lawful time frame.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Remarks : Unpaid balance reported as a loss by credit grantor. The account was paid in full. Incorrect information. Please delete account from my report. In violation of the FCRA &amp; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

These accounts that I did not give my permission to run my credit are still on my report. Equifax has stated they did an investigation but this is not true at all, as I did not give these companies permission to run my credit. I would like to be provided with documentation of their investigation showing proof I gave these companies permission to run my credit. These inquires need to be removed from my report immediately or I will be force to take legal action. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

My student loans used to be handled by a lending company called XXXX but after I started XXXX for the XXXX  and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the Biden administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer
Consumer complaint received 2021-01-19
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (TX)

Our XXXX credit account was closed without our knowledge. Upon checking why, the company said there was a discrepancy with our social security number on file. We checked it and there was no discrepancy. The company claimed to have sent a letter requesting information which we never received. We wrote the company requesting the source of their information showing a discrepancy and never received anything. We paid whatever we owed them and filed a dispute with XXXX  which was supposed to have cleared our account, but upon checking our credit report, it still shows that we have a balance owing to XXXX of {$55.00}. We need this cleared.
Consumer complaint received 2015-10-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (OH)

In XX/XX/XXXX XXXX payments of approximately XXXX each were applied to our account in error. I called to make a payment and was advised our mortgage was paid until XX/XX/XXXX. I explained those payments were not ours and an investigation was done. A week later I called back and was advised the payments were correct. I again attempted to make a payment and was told they can not accept a payment that far in advance. This continued for several months. Finally the customer that made the payments contacted Roundpoint and were told we would have to pay they payments and late fees we were given credit for all at once. After several calls we were put on a payment plan and were told to pay {$750.00} per month which I told them we could not afford. The other customers payments were applied to our account because they entered the wrong account number. We do not want to lose our home. We would like this resolved by removing all negative credit marks on my husbands credit, removing all late fees and removing any past due balance on this account. This is under the name XXXX XXXX acct # XXXX Roundpoint mortgage servicing corporation. Phone number XXXX. I am authorized on the account and my name is XXXX XXXX address is XXXX XXXX XXXX, XXXX OH XXXX. Phone number XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

i saw on my credit report that they put this collection on there. i had no idea where it came from, and i paid every last XXXX to the utility company. the debt collectors also think i moved out of my apartment on XXXX  2023? that is false information. i was paying utility bills through the entire time that was required.
Consumer complaint received 2022-12-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (PA)

Reference XXXX & Reference XXXX I extended credit through AMERICAN EXPRESS COMPANY XXXX XXXX XXXX XXXX and was denied the right to use my credit in connection with my application for a PLATINUM CARD. I could not bargin for consideration with the application I was provided. When I filled out the application there was no provisions that allowed me to opt out of having them look at my consumer report, and stop them from sharing this extension of credit with the consumer reporting agencies and leaving a negative inquiry in attempts to tarnish my financial reputation and good character. Obtaining non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. I have reasonable cause to believe that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX are all conspiring to collect on this extension of credit through unlawful extortionate means. If there is any further adverse action taken to deform my character and tarnish my financial reputation and exercise my right to extend credit, I will file suit for intentional infliction of emotional distress.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NY)

Greetings. I am writing because in attempting to settle a cellular phone debt with Enhanced Recovery Corporation and credit card debt with XXXX XXXX, I was told by both debt collectors that they could not provide me with proof of the debt in writing. I am being called constantly to settle the debts however feel that I should not be forced to pay without receiving proof that they own they debts as well as the terms for settling the debts. I 'm just being told to pay up and then it will be reflected on my credit report. I am requesting assistance with this matter. 
Sincerely, XXXX XXXX