davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that Santander Consumer is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX  ( Account Number : XXXX ), Santander consumer is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. Santander Consumer is continuing their deceptive and predatory lending practices even after being fined. 

Santander Consumer is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

There is numerous unauthorized information on my credit report which are addresses, phone number, names, and accounts, I am very devastated about this and need this to be quickly investigated. there is a fraudulent account that was placed by MIDLAND CREDIT MANAGEMENT. Also there are several inquires on my credit reports. I have contacted all 3 bureaus to let them know about this matter. 
I started having issues ID theft in XXXX but did not realize it until I pulled mt credit report XX/XX/XXXX.
Consumer complaint received 2023-12-28
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. (KY)

On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA. 

To date, XXXX has NEVER validated the debt nor have they provided the requested information. 

The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. 

This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.
Consumer complaint received 2023-08-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I previously filed a complaint with CFPB against Creditor, I.Q. Data International , Inc. in Complaint No. XXXX. Creditor made materially false statements to the CFPB in its response. 

In its response, Creditor states : " The final account statement reflects XXXX XXXX is not being charged for any lease break fees .... '' As is evidenced by the last page of the Debt Validation Letter sent by XXXX XXXX XXXX XXXX XX/XX/2023, I am clearly being charged for a lease break fee in the current amount of {$2600.00}. This constitutes a materially false statement by Creditor to a federal bureau.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My phone was stolen on XXXX at around XXXX and the thief got into my bank account by finding my password in my phone. He XXXX  a random person Ive never had a transaction with since I opened my bank {$2000.00} without my knowledge, and another {$570.00} to my other bank account and XXXX the money from my other bank as well. On top of this, my identity was stolen as well because the thief found my social security. I tried telling the claims repXXXX this and there is still nothing they can do. They told me this is out of the banks hands, and you must contact another organization to get this resolved. 

Since the transactions took place on my phone that was stolen, they claim that the transaction was not fraudulent, even though it was. They are requesting compelling evidence to be able to approve the claim, but couldnt tell me what would be considered compelling.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

on XX/XX/23 I received an email to earn {$300.00} for opening up a Chase Business Complete checking account. The fine print stated i need to have qualifying activities which included opening and having a minimum balance, complete 5 qualifying transactions within 90 days. When i sent to the branch on XX/XX/23 to ask about the {$300.00} dollars i was told that i did not qualify for the 5 transactions because my monthly deposits were made at the branch and not electronically. I told them that my checks are around $ XXXX a month and their onlline banking quick deposit did not allow for that large of an electronic deposit, so Chase gave me no choice but to deposit the check at the branch. Because i was not told up front of the online restriction, I did not qualify for the {$300.00} incentive. I asked the bank teller why there is no documentation that says due to online restrictions for max deposit amounts, you will not be able to use the online quick deposit and therefor coming into the branch for large deposits will not qualify. I completed 3 transactions, and if I would have had this information, I would have used my debit card two more times to qualify. This to me is false advertising and misleading to the customer.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

This is the third time I am coming here to file a complaint but I have taken it a step further and filed a fraud complaint with the Federal Trade Commission and if this issue is not resolved, will be filing a lawsuit in my local court against Equifax. I have tried to access my Equifax credit report today XXXX XXXX on the free annual credit report website. I was able to access all my reports except Equifax. There was an error XXXX. I tried the Equifax website as well and received the same error XXXX. This company is definitely withholding my credit report and I believe fraud is in play. Why else would I have so much trouble with one credit bureau. Listed below are other complaints that I have filed against this company in the past. It is just a shame that I have to waste precious time and being denied my OWN CREDIT FILE. Something has got to be done about this. 

Previous complaint information : Equifax has not provided an update to my credit score since XXXX of XXXX. When I attempt to access my credit file via their own website, there is an error code of XXXX and my credit file is saying XXXX. I have called the customer service number XXXX over twenty times between XXXX XXXX. The answer I receive is the code XXXX means that some information was incorrect and that the back office would have to resolve this issue. I have faxed over countless copies of my drivers license, passport and social security card verifiying my identity but undoubtly, the information is not being received. I reached out to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX speaking to different representatives with no resolution. I reached out to the company again on XX/XX/XXXX after attempting to access my credit report via the XXXX website and after receiving the same error code. The representative ( XXXX ) verified that it was an error on my credit file which had been there since XX/XX/XXXX and he would have to send a ticket to the back office to resolve. I asked him how long this would take and he said not long usually 5 days and that no further action on my end needs to be taken. I reached out on today XX/XX/XXXX and spoke to XXXX. Explaining to him what I have addressed before, the error code XXXX and me not being able to access my credit from their website and that my credit file is still saying XXXX, as if I have no credit file. Today is the day and now it is time to file this complaint.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NY)

Someone used my credit information without my authorization. I have contacted the creditor, and filed a police report, and an ID Theft Affidavit and the credit bureaus are reporting this fraudulent information despite my making them aware that the account is a fraud,
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (WA)

Multiple things are wrong with the consumer report that was requested. Such as addresses that were reported as living when I was not or addresses that were completely wrong. Phone records have addresses that are reported incorrectly. Accidents that were found to be not at fault by the insurance company are labeled at fault. Claims that were never made show up. A ticket that is over 5 years old is still reported on my account. There should be no inquiries from XXXX XXXX on my account but there are multiple. Insurance premiums went up because of late payments on accounts and the report shows that none of my accounts have been paid late. There is a formerly known as which is not a name/person I know or have ever used. My current job is listed as a former job with no monthly income. Insurance that is no longer in effect is listed as in effect. Insurance that I have never used is listed as it has been used at one point or another.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I got a call from XXXX XXXX, a person impersonating as a Police officer extorted money from me. He told me my XXXX  was under check and I was a criminal. Failing to comply will result in prison for at least 5 years. I made Chase know about this situation and the unauthorized charges but they refused to register the charges as Fraud. 

I have also filed a police complaint with incident # XXXX and # XXXX and below are the transactions. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (KY)

I received a letter in the mail from an alleged debt collector ( Synergetic Communication , Inc. ) informing me that I had 30 days to pay a {$430.00} debt from XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX customer care and collections specialist. I have  no debt with them otherwise I would have NOT been able to have an account with them. This debt is fake and the company is shady at best. I called the number and it was a series of answering machines until I get to the third one where I am supposed to leave a message. Its doesnt say who the message will be for. I dont want this fraudulent debt to affect me or my credit in the future. Thanks.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please delete or remove these items on my behalf. This is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The collection accounts on my credit report is fraudulent and do not belong to me i have recoeve no communication from these companies about me owing a debt. I have no affiliation with XXXX 

According to the FCRA ; The credit bureaus are reporting inaccurate information on my credit report their is a collection that is reporting as opened.. Company XXXX XXXX been reported as opened, XXXX XXXX XXXX.
Consumer complaint received 2023-12-28
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. (UT)

My information was sold and bought illegally because I was a victim of the *Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX All HARD Inquires from the following 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 Please delete the following address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  Please remove the employment information of the following XXXX XXXX XXXX XXXX Please fix my personal information Names reported XXXX XXXX XXXX, this is incorrect... My full name is XXXX XXXX XXXX.
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (TX)

The Argon agency is inaccurate and also is not valid according to the fair credit reporting act. From what I understand this is a medical debt, which is not a valid debt according to the FCRA ( Fair Credit Reporting Act ). There are several inconsistencies and inaccuracies with the open/closed account dates. The open/closed account dates are all different which is inconsistent and in accurate. I ask this to be removed from all three credit bureaus immediately.
Consumer complaint received 2023-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Debski, P.A. (FL)

I am a victim of identify theft. I had an account with XXXX XXXX, fraudulent charges occurred on that account. I spoke with XXXX XXXX about the issue and they solved the issue and removed the negative account from my credit and forgave the debt from the fraudulent charge. 

Now, a group of unknown individuals stole my information and they are calling me and they are even trying to sue me for that same account.
Consumer complaint received 2022-11-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (VA)

I opened a new credit card with Citibank in late XX/XX/XXXX with the sole intent of utilizing their promo rate of 0 % for 21 months on balance transfers. This money was going to be used to payoff my home equity loan. I initiated the balance transfer on XX/XX/XXXX and it was done online. All that was requested was amount, name of creditor, account # and address of creditor. No routing # was requested. I got an email the following day on XX/XX/XXXX the transfer was complete. I watched my bank account for it to show up the following days and weeks that followed. After a week or so I reached out to Citibank and asked that they lookup the transfer because I didn't have it. They said it can take up to 10 business days. After that I continued to reach out to them multiple times to no avail. Finally I reached out to their executive team in hopes of getting a resolution to this matter because now I have a due date for minimum payment they are wanting. They assigned my case to an analyst and after some discussion with them they were going to research the transfer and came back with the trace ID. My bank can not find anything related to that trace ID or my balance transfer and Citibank is saying their is nothing they can do, the transfer went through and they can not rescind it back. My thoughts are they sent it to the wrong bank ( there are probably hundreds of American National Banks in the US ). I will not and should not be help responsible for something I never received and that went elsewhere. My bank has spent countless hours researching this issue and can not locate anything related to it. Please intervene and help as this is a huge XXXX XXXX company so big they are just trying to run over the little guy and act like their is nothing they can do. Seems to me they could figure out where they sent the money and reach out to that same bank and see what happened.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

I was XXXX on a basic XXXX XXXX  at XXXX on XX/XX/XXXX, I was finally XXXX XXXX at XXXX XXXX on the XXXX I received a direct deposit from XXXX XXXX XX/XX/XXXX of {$780.00}. I was XXXX XXXX XXXX XXXX XXXX XXXX by the judge on XX/XX/XXXX at XXXX. I noticed that I had no money in my chime checking account. No one had my card while I was XXXX It was with my personal belongings. I immediately called Chime and disputed 18 charges. I provided them with court documents and my release paperwork from court proving I did not do or authorize these charges. I called each merchant and I was able to get 3 of them to provide me with a refund. I provided chime with the address of the shipping information that was not mine for some of the merchants. THEY DENIED MY DISPUTES. I re disputed and they denied again. Now they have denied it 3 times. XXXX said they back the unauthorized charges but Chime will not give me my money back!!!!!!!!