davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I was debited {$1000.00} for an ATM withdrawal that I did not make nor authorize at a Chase bank ATM in XXXX, IL. The bank closed my claim based solely on the fact that this was a chip enabled card and that there were no pin failures and that I do not have any prior disputes using the same terminal. I do in fact use this terminal frequently, but I DID NOT make or authorize this ATM withdrawal on XX/XX/XXXX. Ironically, the same day, XX/XX/XXXX, I was charged a {$5.00} fee for a " Cash Deposit Night Drop Armored '' service. I don't know what this service is, and I certainly did not use it. The banker reimbursed me the {$5.00} fee, but I find it quite ironic that I have two transactions on my account on XX/XX/XXXX that I did not perform or authorize. I am asking for the bank to research this further and provide the police with the footage of the ATM withdrawal as requested. I have filed a police report # XXXX. I believe this may be fraud or a bank error, which needs further research. I am out {$1000.00} and I feel as the bank is just brushing me away and does not want to prove any concrete evidence of the transactions, and quite frankly I feel as the bank does not care for me as a client and is discriminating against me. I will be taking legal action if this is not is not resolved properly.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (VA)

On XX/XX/XXXX I did an internet search for a used XXXX XXXX Fusion engine, a short while after, I received a phone call from XXXX XXXX ( XXXX ) who offered to sell me a used XXXX XXXX Fusion Engine with XXXX miles for {$1800.00}. After performing some research, I visited the company 's website performanceautosalvage.us, and decided to purchase the engine, after exchanging several emails with XXXX, he said his company does not accept credit cards, only Zelle. I eventually sent the Zelle payment as he instructed : Payment was sent to XXXX XXXX XXXX XXXX : XXXX for {$1800.00}. After several weeks of calling, they kept hanging up the calls. I filed a complaint with the Illinois Attorney General and made several complaints through my bank ( XXXX XXXX XXXX XXXX XXXX ) to Zelle, but have received no response. 

Here is the Zelle instruction from XXXX 's email : PAYMENT EMAIL ASSOCIATED WITH ZELLE ACCOUNT XXXX The part will be inspected and delivered to you. Once the part is shipped out we will email the tracking number If you receive a damaged part or an incorrect part please notify our customer service department. Returning the part is the responsibility of the customer and XXXX XXXX XXXX must be provided with a return tracking number when the item is returned. The item must be returned within XXXX business days of the receipt of the XXXX. The return address will be provided at the time we are contacted. Parts must be returned to the location address provided upon receiving XXXX. Once the item is returned it will be inspected and upon approval a credit request will be forwarded to accounting. Customer refunds are issued within XXXX business days once the returned part has been verified and inspected. 

PART DETAILS : TESTED GREAT LOW MILES READY TO SHIP CLEAN RAN AND TESTED, FREE DELIVERY WARRANTY AVAILABLE COMPLETE ASSEMBLY READY TO INSTALL CERTIFIED AND INSPECTED PRICE & POLICY :. 
TOTAL > {$1800.00} DELIVERED WE DO HAVE RETURN AND REPLACEMENT POLICY AND WE DON'T CHARGE FOR THAT IF ANYTHING GOES WRONG WHILE SHIPPING OR YOU GET THE WRONG PART WILL MAKE SURE EITHER WE GET YOU OTHER PART OR REFUND THE MONEY. 

Thank you for considering our services. We look forward to hearing back from you soon. 

Best regards, PERFORMANCE AUTO SALVAGE Direct Number XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (TX)

XXXXXXXX XXXX XXXX is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.
Consumer complaint received 2023-10-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (TX)

I was given XXXX American Express gift cards. 
On XX/XX/2023, I attempted to check the balance on their website ( https : //balance.amexgiftcard.com/ # / ). However, each time I checked I received this message, " The system has experienced an unknown error. Please wait a few minutes and try to log in again. '' I tried several other times within the next few hours. 

I also tried calling Amex to check the gift card balance. The number on the back of the card ( XXXX ) requires a XXXX security code to check the balance, but my card only has a XXXX security code. The automated system disconnects when I entered my XXXX code. I tried entering XXXX before the XXXX code, but that also resulted in being disconnected. 

I tried calling Amex customer service and was able to talk to someone briefly. I explained the issue ( " I want to check my gift card balances but the online system requires XXXX security codes, but my cards have XXXX security codes '' ) and she asked for the card number. I read the card number to her and she then asked if it was a gift card. I confirmed. She said that she must transfer me to the prepaid card department. The call was transferred to an automated system that asked if I wanted to open an account or check conditions of an existing account. There was not an option to ask for a representative. Bottomline : American Express failed to provide the information I needed about my gift card balance both online and over the phone.
Consumer complaint received 2023-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I pay capital one there XXXX off now there saying I owe XXXX. but not due till XXXX but report me to all XXXX credit B late payment but my payment not do till nov.when I spoken to customers service and supervisors. They see that and refuse to report to the XXXX XXXX XXXX that they made mistake her XXXX not do till XX/XX/XXXX but instead they keep jacking my credit up now with this late payment
Consumer complaint received 2020-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I tried to submit my dispute online with Transunion and kept receiving an error message when I hit the submit button. I then called Transunion to submit my dispute over the phone with no success as the representative disconnected the phone. 

Transunion is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (OH)

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Consumer complaint received 2018-10-01
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. (IL)

I just received a letter from Equifax and the bankruptcy is still on my credit report they are telling me to contact the court. It's been 2 years and I was informed by the lawyer who filled in my behalf that after 2 years this should no longer be on my credit report. I want it removed. the letter is stating they can keep the bankruptcy on my credit report for 10 years?
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NC)

Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I explained these payments were late because of not working because of COVID-19
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NJ)

There are hard inquiries listed on my credit report in the attached report. These inquiries was not authorized by me and they are impacted my credit scored and have lowered my score by XXXX points which seriously impacting my life financially. 

Dates of HARD inquiries on XXXX Credit Bureaus XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
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: CLGF Holdco 1, LLC (MN)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with XXXX XXXX XXXX directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. 

The unauthorized hard inquiry in question was made by XXXX XXXX XXXX for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. 

The details necessary for this dispute are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX - Date of Birth : XX/XX/2001 - Phone Number : ( XXXX ) XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting XXXX XXXX XXXX to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized XXXX XXXX XXXX  to access my credit report for any such purpose. 

I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that XXXX XXXX XXXX rectifies this situation by removing the unauthorized hard inquiry from my credit report. 

Furthermore, I am seeking a comprehensive response from XXXX XXXX XXXX outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold XXXX XXXX XXXX accountable for their actions. 

I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from XXXX XXXX XXXX. I can be reached at the phone number provided above to discuss any additional details related to this complaint. 

Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

NCB Management Services INC sent me the consumer [ XXXX XXXX ] collection letters about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with NCB Management Services INC . 
I sent NCB Management Services INC three letters of dispute with a conditional communication via mail correspondence only. 
I did receive a response from NCB Management Services INC . 
NCB Management Services INC did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts.

Furthermore NCB Management Services INC sent me a letter that advises me about a Data Breach. 
I Lisette Loera found NCB Management Services INC now in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer which in this case is me. I will provide documents to support my claim. Below are the laws that support my claim.

Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which NCB Management Services INC did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS
Consumer complaint received 2023-10-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I checked my credit report and noticed I had a collection from ( IC Systems , INC XXXX XXXX XXXXXXXX  ) that was opened in XX/XX/2023 for {$1400.00} with account number starting in XXXX that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity. REMOVE FROM XXXX, XXXX and XXXX. I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC. I sent letters to XXXX, XXXX and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2023-10-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Accounts Due to Identity Theft To Whom It May Concern, I am writing to request the removal of charge-off accounts from my credit report that were obtained through identity theft. I have recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been opened without my consent : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date of Account Opening : XX/XX/XXXX - Amount of Debt : {$18000.00} I am a victim of identity theft, and I have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference. 

I am requesting your assistance in investigating and removing these fraudulent accounts from my credit report as soon as possible. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these accounts and remove them from my credit report. 

Enclosed, please find the following documents to support my claim : XXXX. Copy of my government-issued identification. 
XXXX. Copy of the police report. 
XXXX. Copies of correspondence with the creditors. 
XXXX. Any other relevant documentation that you may require. 

Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue, and I appreciate your cooperation in rectifying the negative impact of these fraudulent accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : LETTER FROM CREDITOR, ID, SSN, FTC REPORT, POLICE REPORT, & BANK STATEMENT.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Equifax has violated the law several times as per the FCRA in regard to my credit file. I have written them several times about the XXXX fraudulent account on my credit file along with a FTC ID Theft Affidavit via certified mail. I also sent several letters to the original creditor as well. The account was removed several months ago and I assumed the matter was resolved. As of this month they have illegally placed it back on my credit report which it shows a chargeoff being updated every month which is a violation as well as a higher balance. How is there a significantly higher balance than previously reported on an account that is being reported as charged off? There has been complete disregard to report verified and accurate information by Equifax.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) 72 months ( 6 years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. XXXX. please have this account removed and updated immediately thanks
Consumer complaint received 2019-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

Contacted FCO numerous of times to dispute and have them reverify ownership and balance owe after being denied rental property for debt being on credit. In attempts I was told that the third party could not be reach there fore the debt should be paid by myself. Was also talked to very rude and was denied further communication if I was not will to work out a resolution for debt owed. Representatives refused to acknowledge dates if information verify after initially picking up account. Sent letters and had caseworker reach out to get issue resolved. Went over documents that I had on file and did not match with FCO documents. Was told that the information they had was verified and correct. But they were all dated two years ago. Was told that it did not matter that I was in a third party housing program was they lost funding I was responsible for debt owed. Only because lease had my name on it. Tried to explain that the program was to establish secure housing with financial responsibility on the program. Was still told very rudely that debt it mine and that I would be hung up on if I did not wont to resolve. Was also told that certain identification info was not relevant to my situation..