davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (GA)

In response to many complaints that I have submitted against SALLIE MAE. My name is XXXX XXXX a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

In reference to Account # : XXXX Ive a attached a cease & desist to this complaint and demanding Sallie Mae to cease communication. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

The creditor knowingly is furnishing fraudulent information, such as negative inaccurate comments information, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 yrs, or both. 

Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books. I'm aware that collection activity is Sallie Mae furnishing this alleged debt to my credit report to coerce me into paying this debt. I have not received a 1099 for this and im aware that Sallie Mae is furnishing their adjusted gross income on my credit report because they wrote this debt off. Im also aware that Sallie Mae is furnishing false and misleading information on my credit report because of their actions. So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report?

So now Im asking for verification of this debt.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX, received letter ( dated XX/XX/XXXX ) from JPMorgan Chase Bank, XXXX XXXX XXXX, to XXXX XXXX XXXX, from XXXX XXXX XXXX, stating " We have decided to close your accounts '' with instructions to steps to close 1 ) Checking account, 2 ) Savings account 3 ) Credit card account and 4 ) safe deposit box by XX/XX/XXXX. The time frame allowed does not allow me follow instructions within the time allowed. Repeated contacts by phone, in person, on line, or email reveals the same information, " Decision is confidential and irreversible '' by multiple sources and I am unable to contact any agency within the system with more information. Having been an account holder since XX/XX/XXXX, I am concerned that something has occurred recently that may have effected my identity or status that I am not aware of. Can this be investigated to reveal the cause of this decision? I have a case number if this would be helpful- # XXXX. Your cooperation in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

So XXXX  XXXX 5 fraudulent charges were taken out of my account while I was at work I had left my phone home I return to find that I have r trans actions forr XXXX and one for XXXX I contacted chime while they were pending they said I had to wait till they post I said that was a bad idea they insisted I waited they posted and now they won't reimburse my money someone had my phone and made these charges to my account I've been robbed by somebody close to me and now my bank says I'm denied FDIC and zero liability I don't understand why
Consumer complaint received 2021-12-23
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. (IN)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-05-22
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. (MO)

I'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts.

1 ) XXXX/ XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 ) XXXX   {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX   {$610.00} 8 ) XXXX XXXX {$41.00} 9 ) XXXX XXXX {$40.00} 10 ) XXXX XXXX {$20.00}
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (GA)

Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also...

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 2019-05-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (CA)

I have asked SLS to verify debt they failed multiple times. They have been unprofessional and rude over the phone sending piles of letters to both my parents who are not on the property title. Threatening to foreclosure on my property they have filed a lien with the county against my property. My first mortgage and the owner of my mortgage XXXX XXXX said they are a scam and not to pay them. I only have one mortgage and is with XXXX XXXX XXXX I am current. I dont know what this mortgage company SLS is talking about. They claim is a second mortgage HEloc. Last I knew about this was back in 2012 when XXXX formally known as XXXX charge off this debt later I asked them to send me the XXXX which they did. So why is SLS trying to collect a charge off debt? And why are they sending me statements with different amounts owed? Please help SLS said they have started the pre-foreclosure process. I contacted my current servicer and mortagage owner ( XXXX XXXX ) but they said they are un aware of the foreclosure cause SLS has not notified either of them. Doesnt the first mortgage have a right to know this is happening?
Consumer complaint received 2022-04-21
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
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. (MD)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2019 I went to Bank of America located at XXXX XXXX  XXXX XXXX, XXXX, CT XXXX. I spoke to XXXX XXXX a Relationship Manager. I had a check in the amount of {$21000.00} that I received from my mothers life insurance policy, I opened a savings account with said check. I asked how long would it take for said check to clear Mr. XXXX said {$5000.00} of the money would be released on XX/XX/2019 and the {$16.00}, XXXX would be released on XX/XX/2019. I didn't receive any money it's still on hold, I went to Bank of America XX/XX/2019 spoke to Mr. XXXX regarding said issue, he said a third party placed an extended hold on my money and said it will be released on the XXXX XXXX, 2019 but he would call me on the Monday XX/XX/XXXX to see if the money would be released sooner. Needless to say NO phone call from Mr. XXXX. I just want my money so I can pay for my mother 's funeral this time is difficult enough. Please help me get my money. This is so unprofessional and disrespectful.
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I entered into an investment contract with XXXX ( the Scammer ) to transfer XXXX USD. Entering the online trading sphere comes with many hopes but due to XXXX XXXX activities and dealings, I lost my money within a very short period of time. 
I advised Wells Fargo of this fact on XX/XX/2021 and I havent received any satisfactory response so far. I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Wells Fargo preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. Wells Fargo could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (SC)

Discover bank closed, no prior notice, no warning. I do not have access to my funds at all. I can't feed my kids, pay my taxes, pay my bills, mortgage, we are out on the XXXX, this is unethical beyond. We are kicked into poverty. I had my savings in there, my kid 's savings, and my checking account, I want my money ... .... this is so beyond unethical and shady. They just shut it off with no access to anything. It will all bounce, this CAN NOT HAPPEN. DISCOVER IS UNETHICAL.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

The fraudulent information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account : DISCOVERBAN XXXX
Consumer complaint received 2022-04-21
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The List of accounts below has violated my federally protected consumer rights XXXX # XXXX and reported a billing error 15 USC 1666 ( b ) ( 2 ) States has no clarification including documentary evidence
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have contacted the credit agencies with regards to the XXXX XXXX XXXX account that is reporting on my credit file. All of the credit agencies remove this account except for Experian. Experian is reporting an account that does not belong to me. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my  ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX**, ( Original Creditor : ) XXXX**
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

Today XX/XX/2022 I received a notice from a company called Credit Management that I was in collections for a debt owed to a company called XXXX XXXX XXXX  based in XXXX, TX. I live in XXXX, TX and have absolutely no idea what this debt is about. I have never received notification prior regarding this debt or what, when or where services were rendered. I looked up the website for XXXX XXXXXXXX XXXX and numerous complaints exactly like mine.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NJ)

On XX/XX/XXXX Global Client Solutions reached out to us offering to consolidate our debt with the creditors. They told us they were going to use our monthly payments of XXXX US dollars to arrange payments to our creditors to pay off our debt at the end of 42 months since XX/XX/XXXX. On XX/XX/XXXX of XXXX we received a notice from the Superior Court of New Jersey that there was a lawsuit being conducted against us. As soon as we received this we contacted the Superior Court and notified them we have legal representations from Global Client Solutions of our contract and the payments being made. We then contacted Global Client Solutions and told them that we had a lawsuit against us. They told us we don't need to worry about it, don't contact anyone, and don't worry about answering because they'll take care of it. Also they said they're not giving us a legal representation of what's going on. A week after this contact, Global Client Solutions contacted us back and asked for XXXX US dollars for twelve months plus the amount we were already paying of XXXX US dollars. They told us by New Jersey law they could go to our bank account and our paychecks to take up to 10 % of the money they want. We answered to them " If we had this money, then we wouldn't have needed your service. '' This was ten months into the contract in which we were paying XXXX US dollars to accumulate to an amount of XXXX US dollars. So we asked them what they were doing with our money since nothing has changed with our debt. The only thing that was done was they made six monthly payments which accumulated to a total of XXXX US dollars to XXXX XXXX not including the XXXX US dollars. They told us as well the administration fee was XXXX US dollars. However, they told us the money is being used for our creditors but they didn't pay anything other than the XXXX US dollars. We contacted the creditors ( other than XXXX XXXX ) and asked them about our arrangements that Global Client Solutions made and they told us they weren't contacted by anyone to make any arrangements. Afterwards we went to an attorney he we had a meeting with in which he told us to stop paying Global Client Solutions because they're not going to provide us with the service they told us about. He also advised us to file bankruptcy for us. We went on with this as a solution to the problem. The attorney told us there is no hope of getting the remaining balance we lost back which is XXXX US dollars. There was a disbursement of XXXX US dollars to our creditors plus XXXX US dollars in administration fees to Global Client Solutions. So with those two amounts we now have XXXX US dollars we lost.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/2019, Capital One called me to warn about possible fraud on my account. I was in Washington DC, in possession of the credit card, and someone in XXXX XXXX XXXX made seven purchases totaling {$1200.00} in the span of minutes, including two identical charges of {$570.00}. The representative canceled the card and advised me to destroy it, which I did. Capital One just advised me that a fraud investigation found that I did, in fact, make the purchases, because the merchant said my chip was used. I am not sure how the frauds copied my chip, but I have other credit card purchases on both XX/XX/XXXX and XXXX on my two other credit card accounts to show that I was still in DC, until the night of XX/XX/XXXX, when I was already due to travel to New York. I spoke with two Capital One representatives and was told there was no way of appealing the decision or opening another investigation, even though Capital One called me to alert me to the fraud in the first place.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit file was FROZEN with TransUnion, however an unauthorized request for credit got through the FREEZE. TU confirmed the FREEZE was ACTIVE when the report was pulled. Their defense was that in certain instances ( and they went over the list with me on the phone ), certain agencies can get through. However, the company that got through the FREEZE did not fall in any of those categories and was a straight request for credit from a retailer. This is NOT supposed to happen. If it does, it would render the freezing feature useless.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX/XXXX XXXX****, XXXX XXXX****,
Consumer complaint received 2019-05-22
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Dept of ED/XXXX {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX {$3900.00} 6 ) Dept of ED/XXXX {$3000.00}
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

There is inaccurate information reporting on my credit report i am requesting investigation on, however, the credit bureaus have failed to respond in over 60 days.