davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Please immediately remove my incorrect name and date of birth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX  XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I trust this letter finds you well. I am writing to bring to your attention a critical matter regarding my credit report obtained from your bureau. Upon reviewing the report, I discovered fraudulent accounts, particularly XXXX XXXX  XXXX, inaccurately associated with my name and Social Security number. I believe I am a victim of identity theft, and I am taking immediate action to address this issue.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$2300.00}
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (TN)

I have been a customer for over 4 years at the XXXX, TN XXXX XXXX and have rented several units during this period. I fell behind on some units during this time and I was offered a pay to vacate which I was told by manager XXXX XXXX ) that her manager gave her permission to offer the pay to vacate to avoid foreclosure of the unit and to allow me to receive my personal property. The pay to vacate avoids additional costs and fees to the company and gives the company back the unit so they may rent it again. I agreed to the pay to vacate at XX/XX/. I removed all the personal property within a 24 hour period and I was told that I would not owe a balance. I moved out of the unit and never heard anything more about the unit at XXXX. I also had another unit at the other location that I rented and I dealt with the same manager. I fell behind on this unit and was given another pay to vacate. After moving out of the final unit I rented from them I received a telephone call from a debt collector. I explained that I do not owe anything and immediately called the manager XXXX. She explained that I owed only {$150.00} and that she would inform her manager to remove from collection and clear the account. I immediately paid the {$150.00} and called back and told the collector that I spoke with the manager and she confirmed that I did not owe anything except the {$150.00} and it will be removed after payment. 
I never heard from anyone else until XXXX, I received a alert on my credit that lowered my credit. Once I checked the report, it was Kinum, INC that had put {$660.00} debt from XXXX XXXX XXXX. I tried to call XXXX at XXXX and she did not answer nor return the phone call. I did speak with the manger XXXX who I recognized from being a customer for so long. She informed me that she would tell XXXX to call due to the not being the one that moved me out but did confirm in her system that I owe {$660.00} at the XXXX location and most recently over {$500.00} at the other location that I most recently moved out of. I asked to speak with her area manager and she promised that XXXX would call back. One week later he has still not returned the phone call after several other attempts to call. I called the debt collector and asked how did it get reported when I disputed the claim and I was told that a verbal dispute was different and they sent a letter to my address and I did not respond within the time allotted. I asked them to prove the debt and at the time he could not and told me that they go off the company 's verification at will.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

My bank account information was removed from my Capitol One accounts in the process of making a payment. I was informed that my bank had security measures in place, since I had updated my new legal name with my bank, but hadn't done so with Capital One. The bank removed the hold, but Capital One won't allow my checking account to be re-added without a letter from the bank, which the bank says they can't provide. I then tried to add my savings account to pay my Capital One cards, but this time I confirmed with XXXX XXXX XXXX that Capital One initiated rejection of my account information, even though I mailed in the documents they requested in order to update the name on my account. They even said they'd added the new name to my Capital One account. The only other method they've mentioned for payment is to mail a check or do a transfer via an ATM... both of which would come from one of the same accounts. I've now accrued interest charges and have a late payment because they will no longer allow payment from my financial institution.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (MD)

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 accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$1700.00} 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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.

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 2024-01-08
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: EQUIFAX, INC. (NC)

I recently pulled a copy of my credit report and noticed that someone has been trying to apply for lines of credit under my name. I don't have any affiliation or knowledge of these creditors being placed on my profile. I attended a XXXX  in 2021 and my purse was stolen that included my driver 's license and social security cards. I've monitored my report since the incident and now I'm noticing credit inquiries. I contacted XXXX, XXXX, and Equifax via phone explained my information was taken and being used. Reporting inquiries to my accounts without my written consent or permission is in violation of 15 USC 1681. Further reporting anything to my report due to identity theft is also violating my consumer rights, specifically 15 USC 1681 c-2. 
The creditors listed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are impacting my credit negatively
Consumer complaint received 2015-07-25
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Collection Resources, Inc. (NM)

one day as I tried to buy a home for me and my family the company I 'm dealing with get the home informed me that I have a medical bill in collection that I have to take care I did research and this and it came out to be when I had my daughter, I was sure I had medial coverage I called XXXX to get conformation that I did have XXXX during this time. I also made contact with women specialist witch i then started asking why i was been billed they then read to me a address they had incorrectly. a few phone calls and a schedule hearing to get a coverage letter saying I had medical coverage at this time. then I was told by XXXX to call he collection agency and let them know that I have a paper saying I have coverage and to XXXX them over the proof. so I did so I was then told to called the company that billed me and asked then to re bill me so Medicaid can cover this. then the women specialist sent me a paper bill instead of re-billing there for I went completely around again making phone calls to the Medicaid collections women specialist finally a couple weeks in I talk to a manger at women 's specialist who then said they can not help me because it would be just time filling and they could n't do anything about it I then told them this was not my fault and they had the wrong address they said this address they had they got it from the hospital I then asked if they had the address why could n't they get the XXXX information also. these people where not from my request the hospital called them in to help not me!
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

The debt was paid, I requested that the account be closed to avoid making extra fees. The customer service agent refused to close the account. The balance is incorrect. The creditor has not returned {$100.00} that was that were payments made from my available balance for monthly payments taken for late fees prior to requesting the account closed. The XXXX late payments charged on my account were incorrect, I made payments prior to the due date. I should not have been charged a late fee after closing the account.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

While I was purchasing XXXX XXXX XXXX  from Southwest Airlines on XX/XX/year>, I clicked on an offer on the Southwest website to apply for a Southwest XXXX XXXX Credit Card with no annual fee that would provide a {$200.00} statement credit if I purchased a few XXXXXXXX XXXX with the card within the first XXXXXXXX XXXX  after I received the card. I received an electronic message that my credit card application could not be processed, which I assumed was because I have a XXXX XXXX in place. When I called the " XXXX '' number in the electronic notice, I was advised I needed to obtain a credit freeze lift with XXXX, and then I should call another " XXXX '' number. I did that but I received a letter advising that my application for the Southwest credit card was not approved because I had not lifted the XXXX XXXX. In late XXXX, when I had neither received an approval or denial for my credit card application, I telephoned the " XXXX '' in the email and letter I had received. I spoke to a customer service representative who said I needed to lift the XXXX  on my XXXX credit file and, while the XXXX was in effect, telephone that same " XXXX. '' I did this and I was advised my credit application was approved. However, when the new credit card and associated materials arrived, the credit card did not include the opportunity for a {$200.00} statement credit and there was a {$69.00} annual fee. When I contacted Chase, the customer service representative initially asserted there was nothing that could be done about this ; but my threat to complain to CPFB resulted in a waiver of the {$69.00} annual fee. When I contacted Southwest about the {$200.00} statement credit, I was advised that Southwest had no involvement with this Chase credit card even though the card was advertised as and is branded as " Southwest XXXX Rewards '' and there is only XXXX uses of the word " Chase, '' both on the back of the card ( i.e., among many references, XXXX each of XXXX XXXX XXXX  and " Chase '' ). Chase denied any responsibility for the " bait and switch. '' Southwest asserted it was merely facilitating Chase 's marketing of credit cards ( i.e., Southwest appeared to be claiming a safe harbor under Section XXXX of the Communications XXXX by allowing Chase to advertise on the Southwest website, although it seems unlikely Chase unilaterally is using Southwest 's name on a Chase credit card. However, Southwest did not comment about the multiple complaints posted on its website by customers about this " bait and switch '' activity over the last decade.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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.

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 2024-07-11
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

Earlier in XXXX, I was victim of a common scam called XXXX swapping. They got access to all my information and accounts. They charged thousands of dollars in micro transactions to my cards to some online stores that sell video game add ons that are worth thousands of dollars. When I realized this, I filed fraud with the banks and handled the situation with tmobile. All of my card accounts including discover and XXXX have confirmed that it was fraud and returned the money case closed, chase bank however has denied the fraud claim and is forcing me to pay {$3700.00} in charges.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over the past year I have been submitting disputes to all three credit agencies XXXX, transunion and XXXX as well as to various collection agencies about reporting information on my credit report that was caused due to identity theft. I have constantly sent letters and within a weeks time the accounts are coming back as verified. I have no knowledge of these accounts. I sent a letter to all agencies asking for method of verification and I have yet to receive anything back. My last letter I sent to them was on XX/XX/year> by certified mail. I have suffered financially, and this has caused undue stress to myself and my family. I continue to dispute this information but get no where. I even submitted a letter from the Department of Justice stating that I was a victim of identity theft and my personal information has been compromised. I also let them know that I was apart of the XXXX data breach and since that time several accounts were opened in my name. What are my options here am I to get an attorney involved at this point. Please advise
Consumer complaint received 2023-09-21
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. (MD)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-06-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Lentegrity Management, LLC (TX)

This company I believe has violated the fair debt collection act on many levels unknowingly while working and communicating with the company they snatched the car in the middle of the night and the Redemption figures they provided are incorrect I can no longer communicate with this company unless it's in writing because they do not document any conversations and all the information they provide changes on a dime and is so inconsistent that I requested proof in writing. 

I no for a fact that they're including a payment that just became due a few days ago in the defaulted amount required to be paid in order to get my car back while that payment is still within its Grace days and is not considered delinquent they also will not give me a breakdown of other charges and frankly I do not charge these people as far as I could spit as they have done so many things I believe that are in violation the constant harassment by phone calling XXXX times a day calling you after you speak to somebody already and still repeatedly calling you it seems to be because they don't document any discussions one has with the company therefore I only deal with them by email as they have also on multiple times text me different dollar amounts that are owed after I repeatedly asked them to stop