davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
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. (GA)

On XX/XX/2021 I sent equifax certified mail ( tracking # XXXX ) they received the mail XX/XX/2021. The mail consisted of a notarized letter from myself that I am aware that I am being violated pursuant to 15 us code 1681b any reporting agency may only furnish a consumer report with written permission of the consumer and that I never gave them permission to report my information. I sent them a cease & desist notice demanding that they remove all collections, charge offs, negative remarks late payments and clear all my balances to PAID in FULL. I also sent an affidavit of truth and a demand that I am paid {$1000.00} for EACH violation. Equifax has responded by only removing inquiries.
Consumer complaint received 2022-09-30
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. (OH)

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 U.S.C. 1681 XXXX account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXXXXXX XXXX XXXX XXXXXXXX account was closed in XXXX {$7800.00} # XXXX XXXX  account closed XXXX {$10000.00} # XXXX XXXX & XXXX account closed XXXX {$110.00} # XXXXXXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX closed account # XXXX XXXX XXXX XXXXXX/XX/XXXX closed account # XXXXXXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXX XXXX inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any items of information or any 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 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase, N.A. on XX/XX/XXXX sent a letter of extortion for a loan that has already been paid off. I have since sent them the letter below and have not heard a response. However, they are still trying to repossess a truck that has already been paid for. See letter below : JP Morgan Chase N.A. 
XXXX XXXX XXXX XXXX Floor New York New York XXXX XXXX Attention : Chief Accountable Public Officer Via Fax : XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer, Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/XXXX there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by JP Morgan Chase N.A. as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences JP Morgan Chase N.A.s violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from JP Morgan Chase N.A within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by JP Morgan Chase N.A ( 15 USC 1666 ( b ) ( 1 ) ).

2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by JP Morgan Chase N.A in substitution thereof per 15 USC 1642.

3. Statements fail to reflect proper payment made to JP Morgan Chase N.A by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ).

This notice is based upon the attached documentary evidence.

Trustee/Attorney requests following documentary evidence to support JP Morgan Chase N.As claims that You extended credit to obligor, and that any presumed assignment of future payment rights to JP Morgan Chase N.A under any power of attorney, whether express or implied is not void.

It Is So Ordered. It Is So Ordered. It Is So Ordered.

/s/, Trustee By : __________________________, Attorney/Heir In fidelity.

Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in Philadelphia in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : JP Morgan Chase N.A . 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all 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 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I attempted to make a XXXX. purchase via giving my card to a merchant to purchase an item. The purchase was denied. I called TJMaxx/Synchrony to state there was no fraud and I gave the merchant the card #. I called them 3x and was finally told I had to send a video of my license and a video of myself for verification. I attempted to take a photo of my license and it was not accepted. I was then told I was not able to use the card for one week.

This is unacceptable. I normally got a text if there was an issue of fraud. I was not given the chance to rectify the situation. Now I am not able to use the card. Every person I spoke to at TJMaxx Synchrony was rude and unknowledgable especially the fraud person.
Consumer complaint received 2022-09-30
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. (NC)

I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

This account is not valid nor is it mine. I have never lived at the address associated with this XXXX XXXX  account and request that this inaccurate information is deleted off of my credit history. I have only resided at XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any and all documentation that I have can prove this to be in fact true. This account is fraudulent and no debts owed. I have filed disputes against this company with no correspondence in return for the past year.
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (MA)

XXXX I purchased a vehicle from CARVANA which this XXXX claims to have a easy and next day delivery process XXXX weeks is very unacceptable for a vehicle to be delivered first problem was the vehicles couldnt be registered in Massachusetts because they didnt renew their regulations for the state, which is absurd because this is a car delivery service unacceptable. This process has also costed me financial stress due to constantly rescheduling this vehicle delivery
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.
Consumer complaint received 2022-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is a formal complaint against EQUIFAX, XXXX XXXX XXXX. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, EQUIFAX, XXXX XXXX XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-08-24
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. (IN)

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (MI)

Comerica bank, whom which I have had a business account with for 17 years allowed entities ( some known and some unknown ) to use my business tax ID XXXX under various ghost/shell companies and attached a book-keeping software to my account without my authorization. In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX XXXX ) was making deposits into a checking account with only the name of Life Span Counseling with a different account number. I was not a XXXX provider, and discovered that the money was going into another account through Comerica Bank using my tax ID. After I discovered the aggregated data book-keeping software linked to my account, it was suggested by a web-banking representative that I change my business account number. After doing so in XXXX, the Book keeping data was reattached to my account for a brief period of time. I have only one business legal entity name registered at Federal and State which is XXXX XXXX XXXX XXXX XXXX. Some of these ghost companies invaded my account with other dba ( XXXX ) i.e., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( See attachments of banking statement name change and an office manager changing my company name illegally for XXXX payments ). Although I received the second draw of XXXX loan in XX/XX/XXXX for {$2700.00}, my attempt to obtain the first draw of a XXXX loan was denied in XXXX XXXX with no reasonable explanation. It is my belief that one of the ghost companies obtained the first draw loan. I had discovered that the bank internally somehow changed my business address to other mailing addresses including an address that I have not lived at in over 17 years on XXXX XXXX XXXX Michigan XXXX. 
I have spoken with several bank managers, reported my concerns to Quality risk, fraud department, and filed police reports, with no resolution and lack of transparency I would like to know who obtained the first draw XXXX loan using my business tax ID XXXX and soc security number XXXX XXXX XXXX and why cant I get clear answers to all of the proof I have shown. I want to know all the dba ( XXXX ) used with my TIN and the amount of money deposited using those dba ( XXXX ) under via Electronic Funds Transfer with various health insurances. When, how, the amount, and who received of the first draw XXXX loan in XXXX. It also appears that there were at least on or other credit cards linked to another account that was not my account. 
Please see exhibits showing the variations of different DBAs
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: GLOBAL PAYMENTS DIRECT INC. (MI)

Global Payment Check Services calls me multiple times a day, from a variety of phone numbers, leaving a message for " XXXX XXXX '' or something that sounds like that name. The messages indicate that it is regarding " your global payment services '' account. 

I am not XXXX, I don't know anyone named XXXX, and I won't answer these suspicious calls, only giving them validation that a real person owns this number.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (CA)

Creditors reporting I am deceased and old accounts still showing on my credit report. I would call the credit bureau to resolve the issue. They would say they would but when I would apply for credit I would get denied than later receive a letter stating I am deceased. I now have many inquiries that are affecting my credit score even more. This issue is preventing me from establishing good credit.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I called last week ( today is XXXX ) because I could not login to my account to make my payment online with Citibank. The lady said they had closed my account and she didn't speak XXXX well at all. She wouldn't tell me why it was closed and couldn't tell me why I wasn't notified that it was closed. I dismissed it as a communication error and her not understanding what I was asking. 

Today I called again. This time a man who did not speak very good XXXX either. Suffice it to say he told me it was closed and that they have already told me about this. I STILL HAVE ZERO CLUE WHY IT IS CLOSED!! I've not missed a payment. I have an excellent payment record. And I still can not get into my account to see any statements, make a payment or anything. 

They are quick to tell you about their app but they don't realize I am XXXX XXXX XXXX and can not see my phone well enough to do anything. The print is WAY too small. I don't operate out of my phone either. 

I'm upset. My payment is due today. And I'm done. They are the hardest to contact and deal with and they hold my Best Buy and Staples card as well. They don't listen. They don't help. And I can't understand them. 

Can anyone there please help or do something to make them stop doing this to elderly people. I am so upset right now ( I am fully XXXX ) that my XXXX XXXX has gone sky high which it did last week as well. 

XXXX was the gentleman 's name if I heard him right. He was rude. He answered rude. I don't understand.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I have been unable to access my annual free Equifax credit report since XX/XX/2018. The issue detailed below began before XX/XX/2018, and I finally called Equifax and they verified my information and mailed a report. I should be able to confirm my identity online as I am able to with the other XXXX credit bureaus. I believe Equifax is intentionally denying myself and others free credit reports in order XXXX XXXX business to their subscription based products. A quick XXXX search indicates I am not alone in being denied my free credit report. 

To retrieve free credit reports, I go to annualcreditreport.com, enter my identifying information and select the bureaus I want. I have been able to correctly answer questions posed by XXXX and XXXX to confirm my identity EACH and EVERY time I do this. However, every time I attempt to retrieve my Equifax report, I receive an error message stating my identity can not be confirmed and to mail about XXXX documents with sensitive personal information to Equifax and they will print and send a copy of my credit report. I believe this is an intentional strategy to force consumers to paid subscription services.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AZ)

I applied for and was approved for Mortgage Assistance in XX/XX/2021 and BSI Financial Services, my mortgage owner refuses to supply the housing assistance / Human Services agency with a correctly completed and signed W-9 for funds to be released. The program requires a W-9 to be able to release funds and that has been explained over the phone and in writing. The case worker with the XXXX of XXXX has supported me and also contacted BSI Financial Services several times to request the W-9. Its now XXXX and they continue to ignore my requests and have sent an outdated and incomplete digital PDF listing themselves, BSI Financial Services, as the requester which we have explained is incorrect. I can not afford an attorney and no longer trust my phone call and written attempts as a paying customer.
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC System Inc. at XXXX XXXX XXXX XXXX XXXX, MN XXXX has sent me a collection notice in the amount of {$2200.00}. This company is claiming a debt that I was never notified of and was paid in full by my insurance company. I am not familiar with IC Systems Inc. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed and sent me some random letters saying this fraudulent account is mine. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.