davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collections Acquisition Company, Inc. (FL)

CybrCollect, a collection agency, showed up on my Credit Report and it is a claim that I owe USPS {$550.00}, but I talked to USPS and they don't do collections for XXXX XXXX es or anything like that. 

I also never opened a po box , or had any other services, involving that much money as claimed in the collection.
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NY)

TRUE ACCORD sent me a message that I owe them and XXXX  XXXX when in fact I owe only {$0.00} cents! I tried to pay the amount in affirm on XX/XX/2024 multiples time but they blocked my account. I called customer service of affirm but even them cant help me. 

Cc US Attorney General XXXX XXXX NY GOV XXXX XXXX NY DFS NYC DA XXXX XXXX
Consumer complaint received 2024-09-08
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: CITIBANK, N.A. (NV)

Around XX/XX/XXXX, my XXXX XXXX was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX my mother and I entered the Chase Branch to just cash a check and get a couple of certified checks. The check is a life insurance benefit check that I receive from the insurance company due to my dads death. I was the beneficiary. The plan was to cash the check since it was drawn on Chase, but they were unable to just cash it because the amount. I was splitting it with my mom and little brother. To help my mom get caught up on bills, and with my brother because I know my dad didnt intentionally leave my brother out of an inheritance. He always wanted to make sure that we were okay. Nobody knows the time or day and we definitely didnt expect to be without my dad this soon in life but he did something to make sure that we were okay in the event that something happened to him and now those funds are unjustly being held. They couldnt cash the check due to the amount. At the assistant managers direction, she told me to sign the check over to my mom and for us to deposit it into my moms Chase account, which we did. This is the banks manager, we didnt think twice about it, because the manager is trying to find the best solution and knows how things operate. We were told about a standard hold which we were okay with. My moms account was flagged for fraud due to the check being signed over. Fraud is far from the case, no ill will or bad intentions. My mom was told about the verification process so we got a phone in my name to try to comply and get the situation resolved. I just recently turned XXXX, I have no credit or anything. I was supposed to get my first car with that money and invest in my future. The manager called the department or back office on our behalf stating that we we were directed by her to deposit the check. She sent an escalation stating the same thing and explaining the situation. My mom have been making a lot of calls as well. We lost my dad on XXXX XXXX  of all days, time does not heal or make it easier, we are still grieving and distraught over losing him and now we are in a battle for the insurance inheritance check and we did absolutely nothing wrong. The check cleared fairly quickly, Im assuming because it is the same bank. My mom has sent over documents, took documents in the branch, branch managers have called on our behalf. This isnt right on so many levels. It is causing emotional and financial distress. They cant verify my phone number or me in their system but we have provided proof. I am fresh into XXXX  so any type of verification other than in person with valid identification probably wont work right now. When they first flagged my moms account the insurance company offered to stop payment but the check had already cleared. We just need someone to really help get this resolved
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

I was never given any information regarding the debt being collected. I never received a letter regarding the debt verification. I have plenty of information on the falsification of the amount of debt that is owed.The rental company also submitted the debt almost 2 years after I had vacated the home. When I attempted to get information about the debt and what I was getting charged for, to sent me a " Make Ready Expenses '' report, with no receipts and no explanation. They just kept telling me I had to pay the debt with in 24 hours or they would prosecute. 

I was charged on their " Make Ready Expenses '' report for {$1400.00} for AC expenses over the period of almost a month. I was charged over {$1500.00} for landscaping cost, which was part of the dump pile they left when we first moved in ( it 's on Move In damage list report. 
All of these fees including the landscaping, and AC totaled {$5500.00}, with no explanation with most of these repairs being something we struggled with the whole time living there. 

They charged me many fees on trash and dump, which they allowed someone to come into OUR home while we were in the process of moving out and had stuff stolen, aquarium broken, and boxes that were gone through. 

Through out the time of living there, we had to deal with mice, them coming out constantly to fix the AC, as well as fighting XXXX when we first moved into the home. Which I requested an extermination to be done prior to move-in that was never done because of the countless bugs we saw during walk through. The only reason why they called an exterminator was because my roommate received a letter from the doctor stating the home was hazardous to her health. 

Moving into the home there were countless holes and damages as well as the yard being poorly maintained, and constantly high water bills because of the leaks.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited a check into my account the check was made out to my close friend XXXX XXXX the check was for {$94000.00} and I was assured by XXXX tellers this would not be a problem and they had me sign the check and deposited it and a few days later I was told the money was in my account but my account is frozen and I needed to come in with my friend XXXX XXXX and we came to the bank and they called to get my account unlocked and asked for XXXX phone number and when he gave it to them they told us it does not show up on there system registered to his name so we went and bought another phone XXXX XXXX  contract came back with the phone and the bill in XXXX name and again they said it will take XXXX to XXXX months to show up in his name now Chase has had this money since XX/XX/XXXX and my account is gone my mortgage is do so is XXXX his credit cards are all over drawn he sold his mineral rights to get this money and Chase will not release this money we have both been in the bank we both have ID XXXX has a Chase credit card and his number is attached to that account Chase have spoke to the writer of the check as well as the bank it was drawn on the money has been pulled out of the issuers account and into mine and Chase will not release funds they wont sent the money back to the issuer of the check there is no fraud this is just destroying both of our lifes this money belongs to XXXX we have done nothing wrong everything has been confirmed all this over a phone number that doesnt come up in there system yet its attached to his Chase credit card please release these fund or send them back to the bank you took them from
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report this morning, and I have no clue why theyre there. When I checked my report, I saw unexpected discrepancies that werent there before. I tried refreshing my browser to make sure it wasnt a glitch, but nothing changed. The unauthorized inquiries remained. I urgently request that you carefully review the documents Ive sent, so this problem is fixed immediately and I dont have to deal with it anymore.
Consumer complaint received 2023-06-30
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. (MI)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

when i would call the back of the card to make a payment they would send me to the app to try and make a payment. the app would have trouble processing the payment. and then i asked if i can get a bill in the mail. never did i get one. 
i did pay the card off
Consumer complaint received 2024-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd. (DC)

XX/XX/year> my car tags was stolen. Due to my tags being stolen in XXXX XXXX. Im now being fined for different types of moving violations. Such as parking tickets, bus zone parking, and speeding. Harris & Harris also the Department of Motor Vehicle saying I have to pay amount of XXXX dollars in fines. I called to try to resolve the issues with both companies. They deny my request to remove all violations that Im not responsible for. They threatened to take my property ( car ). Also to suspend my license. This causing distress mentally, my transportation for work and taking my children to school. I will like these tickets immediately remove from my drivers record. Due to laws I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC XXXX BBB, and Attorney General compliant.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CO)

My credit balance went up and in a situation where nonprofits are only offering one off payments and expecting me to live below $ XXXX each month, telling me that I am not able to live within even a decent means, I have been forced to let bills snowball. Due to my inability to pay even the basic credit card payments, in XXXX and XXXX of this month, I have been dealing with a pattern of dead ends, offshore representatives and their refusal to help a single mother in the United States, and worse, inability to use my credit card. On various occasions, around the late days of XXXX of this year, and then XX/XX/XXXX, the last straw, I get so bogged down and busy with daily grind that by the time I get to this issue, a department is closed and I have to wait till tomorrow, when more bills snowball. Because the offshore people kept bouncing me around on these calls, claiming they wished they could help me but cant, I find myself in no position to pay actual living expenses. I have been forced into more debt due to my single motherhood, then XXXX XXXX  by the childs father. The bank did not assist and creditors will make my score go down if I dont pay. Due to XXXX, I am also fixed to earning below $ XXXX per month, but not being able to obtain a better credit card, I would have no way to build credit for better life, especially to buy a house for me and my son. It will take years of college and licensing tests to even get a job, and XXXX people face 80 % likelihood of remaining unemployed. Females with XXXX face stolen benefits as part of XXXX XXXX Many are financially extorted. I was. And Chases refusal to raise my credit limit does not help but further enables extortion and abuse by others, refusal of nonprofits to stop the one off payments, and furthermore, allows XXXX bills to go unpaid, my internet could shut off, an energy company is harassing me for a debt I dont owe. This is predatory and must be called out.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of XXXXXXXX  SSN : XXXX Type : Driver 's License ID Number : XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened, Inaccurate informations or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MO)

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$660.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (UT)

Even making the slightest suggestion that I need the services of an attorney to coerce Wells Fargo ( XXXX ) to identify the creditor ( s ) who allegedly made a {$65.00} charge to my Wells Fargo credit card, shows how absurd and the extremes Wells Fargo will go to in order to hide its errors ( please see the attachments ). 
Wells Fargo will spend endless man-hours to hide its mistakes by creating irrelevant documentation and intentional misdirection to avoid the few seconds it would take to review their computerized file in order to give me ( their customer ) the name, transaction date and reference number of the creditor ( s ) who made the {$65.00} charge ( if such a charge really exists ). By now, I have every reason to assume Wells Fargo purposely committed fraud and would hope the FTC would conduct an investigation ; I may not be the only customer. 
Lets be reasonable, who will hire an attorney to get a simple explanation for a {$65.00} charge? I am not questioning that I owe any legitimate charge, I am simply asking for that creditors identification and for what was allegedly purchased that totaled {$65.00} ( how many ways of communication must I use to get Wells Fargo to comprehend my repetitious demand over the last 5 months ). And Wells Fargo expects customers to hire attorneys for that rudimentary expectation/legal requirement/ basic customer service ; the public should be warned. 
Despite their claims of a thorough investigation and multiple levels of review, Wells Fargo still can not explain the {$65.00} charge and in fact, avoids addressing it altogether ( as though its a proven fact that they can build penalty fees upon ).
Consumer complaint received 2024-09-12
Product: Credit reporting 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 received a copy of my credit report that had two inquiries from XXXX XXXX on XX/XX/2024 and XX/XX/2024. 
I did not apply for and credit card or any loans in the last 2 years.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (TX)

XXXX XXXX and Corelogic are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other information is incorrect. You have an obligation to report account information. You are also required to provide me with a report every year and you have not. There is so much information you could potential have wrong causing me damages.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.