davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

OPPORTUNITY TO CURE Dear [ Ability Recovery Service ], I am writing in response to your recent communication regarding the alleged debt owed to Ability Recovery Service. I would like to take this opportunity to provide you with an opportunity to cure the alleged violation. 

Firstly, I would like to reiterate that XXXX XXXX XXXX disputes the validity of this debt as XXXX XXXX XXXX doesnt have contract or agreement with Ability Recovery Service . Therefore, I do not acknowledge any debt owed to them. 

Furthermore, as previously stated in my previous letter, I have alleged that Ability Recovery Service has breached my trust and my copyright, and I have requested that you agree to pay {$500000.00} for the breach of trust. In addition, Ability Recovery Service agrees to the terms and conditions of the living man XXXX : Sovereign. 

If you are willing to agree to these terms and conditions, and pay the {$500000.00} for the breach of trust, or you can cease and desist on all media.. I will consider the matter resolved and will not take any further action. 

I hope that we can resolve this matter amicably and without any further action. Please let me know if you have any questions or concerns. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX Sovereign ] XXXX If you ignore this message and continue to harm my property I will be seeking payment for my time I do not have a contract with you For the record you have been put on notice of my fee schedule copy right and terms and conditions XXXX : Sovereign Silence is acquiescence
Consumer complaint received 2023-04-13
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; 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 2023-04-13
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$180.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$210.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 XXXX : {$52.00}
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

I applied for a Citibank credit card on few occasions in last 6 months based on the invitation code received from Citibank in mail, during the application process the system keeps on hanging and I get a refusal, I called Citibank helpline and the officer instead of looking into the issue hung up on me and said that never apply for citi card again. My question is why Citibank has to make fake promotions if they do not want to honour it and continue hurting an individual credit
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (VA)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America closed my account and restricted my access after I made a deposit I never got the funds but it was credited to my account but I definitely have received got a refund check or anything so where is my funds also miscellaneous fee was charged to my account struggling to get a bank account after this happened for some time now
Consumer complaint received 2023-04-13
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021.
Consumer complaint received 2023-04-13
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I sent a letter of concern as told by collection Agency by email and fax. I attached my proof of residence with lease and dates as proof that I did not reside in area ( different states ... .I lived in Texas the bill was for Washington DC ). I was told that they would contact utility company to handle situation. I expressed that this matter was urgent because I'm applying for a major purchase and this adversely affecting my score. The agency said they would resolve the situation and they never did. Supervisor said she would resolve issue and contact her the next day because she would expedite the situation. I've called back every day the past week and I keep getting the run around and stall tactics, and nobody has called me back or responded at all.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (AE)

I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-13
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. (TX)

Multiple times I have shown the bureaus how they are violating the Fair Credit Reporting Act, when it comes to my credit report I am exhausted with trying to come to a resolve According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Someone needs to hold them accountable for this Following accounts XXXX XXXX XXXX  XXXX XXXX ( NO ACCOUNT NUMBER REPORTING SEE ATTACHED 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 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, someone in XXXX, IL tried to make a purchase at a XXXX station using my credit card information. ( See XXXX ). 

On XX/XX/XXXX, Citi sent me FRAUD ALERT E-Mail ( XXXX ) recognizing it as a suspicious activity and DECLINNED PAYMENT. I immediately called them and confirmed that I made no such transaction. 

In the interim. I have made multiple phone calls attempting to remove such charge from my account, but despite promises by Citi Reps every time, it is still there. 

I even cancelled my account wit them! 

So now, to add insult to injury, they tacked on a {$30.00} LATE FEE? ( XXXX )
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX Assignee of XXXX XXXX send a letter on XX/XX/XXXX to me and my employer. The letter said they want to collect the amount of {$2900.00} from my salary. The credit card with this bank was close in XX/XX/XXXX. I believe this is an unfair action and I am very disappoint because I never receive any letter prior from XXXX or the court letting know about any issues.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

Credit Card companies have started charging XXXX XXXX fees for the purchase of XXXX. Which is treated as a material item by the U.S. Government. So how can they legally charge the consumer as a XXXX XXXX? When it is not? So i'm being forced to pay the 5 % + the immediate interest rates of a XXXX XXXX as well as the Reseller XXXX is also being charged a fee.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Complaint against XXXX, XXXX, XXXX, and Capital One for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and Capital One for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my Capital One credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer " XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against Capital One and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and Capital One regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter. 

As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. 

I have already tried to resolve this issue directly with XXXX, XXXX, XXXX, and Capital One but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. 

Link to the Cyber Attack Explanation from Capital One XXXX XXXX XXXX XXXX Sincerely,
Consumer complaint received 2023-04-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I got my income tax return check. A cashiers check. I deposited into my chase checking account and they informed me that they were holding it for ten days due to information from the issuing bank OR information that they have on me. 
I called the bank and they referred me to another person who could not tell me WHY they were holding my check for so long. I wasnt. A new customer. I had had my account for several months already. All they could tell me was that the system has put a hold on my funds and because the system automatically put the hood even the president of the bank cant over ride it. They couldnt tell my WHY. They claimed that the system automatically selects random checks to put on hold. I cried on the phone to them asking to just release a portion. Its a tax return check. They lied and told me that the issuing bank told them that the funds would not be available until the 13 ( 10 days away ). The issuing bank told them this is what they claimed to me. So I called the issuing bank and went through the check verification process and their process deemed my check valid and good. Then I called back and got a hold of a human and inquired about whether they said that they told chase bank the funds would not be available. Their statement to me was it is illegal to issue a check and not have the available funds, we do not operate like that. I am afraid your bank isnt being up front with you, I would suggest you speak with them and ask to speak to a supervisor. So I called Chase bank back and told them what the bank had said to me regarding writing a check with out funds. They didnt know what to say. All they said to me was that they cant do anything that I have to wait for the check to clear for 10 days. No resolve.
Consumer complaint received 2023-04-13
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX Balance XXXX {$910.00} XXXX XX/XX/2022
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.
Consumer complaint received 2018-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I tried to open a checking account at Wells Fargo Bank, and was told that I couldn't and would receive a letter saying why I received the letter and it says that they obtained a consumer reports from a company. A " soft copy '' they call it. The company is called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX
Consumer complaint received 2023-04-13
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-13
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00}.