davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc. (TN)

This company is calling family members at work while informing them of my debt. My family does not want to be contacted about any debts that are not regarding them. I haven't received any written communication regarding whatever debts they say that I owe yet they're disturbing family members about the debt
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KY)

I submitted a prior complaint about Citi Bank withholding my money in the account they closed. I have yet to get my money. It is now XX/XX/2021 and I was supposed to get a check in the mail by XX/XX/2021 as said by the bank. I have not gotten anything! Matter of fact, I just got a balance notification from Citi bank stating my money is STILL in the bank! Im beyond mad at this point because what could you possibly be holding someones money for. I wasnt closed for fraudulent activity at all. Matter of fact, they have NO reason to even hold my money or close that account. Now that the account is closed! Why is my money not in my possession! That account got closed XXXX days ago! This is ridiculous!
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I sent a letter to all 3 bureaus stating that my address is XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX. I am concerned that personal information is being sent to address 's I do NOT live at. This neglect is troubling.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update some suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX  XXXX Balance : - XXXXI XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-27
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello it is now, XX/XX/XXXX and I still havent recovered my funds that were stolen and used as fraud back in XXXX of XXXX. I have not received any compensating check. This is absolutely ridiculous. Somebody has ahold of my identification and I and being held accountable for it. 

Ive given police reports, identity theft report. Letters, statements, supporting documents to help my case and prove I am innocent and nothing has been resolved I have been homeless because of all of this mess and its only getting worse. 

PLEASE HELP. 

I am getting ready to get an attorney, I can not wait anymore. I am XXXX on the street and Im only XXXX. 
I have medical problems to tend to and I can not because Bank of America is taking this like a joke. This is my life Please help
Consumer complaint received 2023-08-07
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)

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, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (NY)

I am getting repeated phone calls from Northstar Location Services, a debt collection agency, to my cellphone number that is registered with the Do Not Call Registry for over 10 years. I called from a landline phone to identify the number that was unknown to me. I was the victim of identity theft in XXXX XXXX reported it the police, and had all my credit frozen with the 3 credit bureaus at that time and have never unfrozen my credit. I have reviewed my credit bureau accounts and there is no notice of unpaid debt as no business or individual has ever sent me, in writing or any other way, a notice of collection for any unpaid bills. The numbers they usually call from start with area code XXXX followed by XXXX and then various 4 digit numbers. I have nothing in writing to dispute, but I enrolled in XXXX XXXX in XXXX, to try to stop these fraudulent uses of my SSN to get credit cards, loans, XXXX, XXXX and brokerage accounts. All of those matters were resolved and no one ever got away with anything. I want them to stop calling my cellphones and to let them know that I will be filing a complaint with the FTC as well. I don't know if Northstar, and XXXX XXXX  are affiliated or not, but these are the numbers that Northstar, and XXXX XXXX have been using to call my cellphone XXXX XXXX XXXX XXXX XXXX XXXX 
The number appears on my cellphone at time as XXXX XXXX XXXX XXXX XXXX, or no identifier. Northstar or XXXX XXXX never appear as the identified number. The call started around XX/XX/XXXX and continue on nearly daily basis and sometimes multiple times per day. They never leave a voice message or identify who they are or why they are calling.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my Second 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 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 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 XXXX XX/XX/XXXX
Consumer complaint received 2023-08-07
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. (MT)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Re Chase Bank checking account : XXXX XXXX check XXXX dated XXXX cashed XXXX Amount {$2500.00} Payee Commissioner of Revenue Services State of Connecticut This check was sent in the US mail ( stamped, dated and photographed when given to The XXXX CT XXXX ) .It was stolen and cashed by an individual called XXXX XXXX  and deposited into her XXXX XXXX account. 
Despite the check not being deposited by the payee, Chase Bank deducted the funds from my account. 
On XXXX, I went to my local Chase branch, pointed out the error and completed an affadavit, given to me by the Chase employee, to have this corrected. 
I was sent a letter from Chase dated XXXX, rejecting their own paperwork, closing the case and requested me to resubmit the identical paperwork. 
The error is clearly Chase Bank 's as my funds were paid to someone other than the written payee the State of Connecticut
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022 I submitted a letter and I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Accounts 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
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-01
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. (NY)

On XXXX XX/XX/24 there were multiple charges made from account at around XXXX. I did not make them so I called chase to inform them and make a claim. They denied my claim even though I have a text message from chase about a fraud alert. It was a total of XXXX
Consumer complaint received 2023-03-28
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have communicated to Capital One that my checking account has been charged by XXXX XXXX XXXX fraudulently and they are failing to investigate this thoroughly claiming that there is a 90 day window that has surpassed. There is potentially a felony that has been committed here, and I have expressed this to my bank and they still remain their position that theres nothing that they can do because 90 days have surpassed.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (TX)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-02-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AK)

Procollect IncXXXX is attempting to collect a debt from me that is not mine. It is a debt that was fraudulently put under my name by my ex husband for an apartment from 27 years ago in XXXX XXXX XXXX 
Procollect is claiming that this charge was for me and was from XXXX XXXX XXXX for {$15000.00}. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at that time, and I still am. I am attempting to move off this XXXX  and this fraudulent charge is making it difficult for me to get a place to live. I have attempted to dispute this charge with XXXX XXXX XXXX XXXX XXXX Procollect continues to falsely claim that this is my charge from XX/XX/2022. I attempted to call Procollect & spoke with a representative who stated she can't discuss how to further dispute the charge & she then hung up on me.
Consumer complaint received 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an American Express Gift Card from a friend. It came preloaded with {$50.00} to spend wherever American Express is taken. First off, even places that take American Express not all take their Gift Card. It's hit or miss and usually it's a miss. I tried to use the card online for hotel rooms, declined. I tried to use it in several of my digital wallets, declined. It will however work at the convenience store. I stopped at my local XXXX to get gas and a drink. I was talking outside the store with a friend and when I went to pump my gas that I had prepaid with the card inside, it said pump timed out. So I went back inside the station to let the lady know to reauthorize the pump. She asked me for the card back because the pump had sent the money back to the card. So I handed her the card and it reauthorized the transaction. When I went to check the balance a few minutes later, it had both the charges showing up. So my account was charged 2x 's for one transaction. I called in immediately and they said that one of them would fall off after the other transaction finalized within 24 hours. The transaction did finalize, the other did not fall off. I called them again. They said give it 7-8 days. I said for something that didn't go through and they said yes. They said the date would be XX/XX/XXXX and the card would be good again. It is XX/XX/XXXX so I called and checked the balance. It is still being held for over {$10.00}. I know this doesn't seem like much but it's ridiculous for a company to hold my XXXXXXXX XXXX for an extra week when the 2 charges were back to back and I immediately called them to let them know in the very beginning. I spoke to customer service and asked her if there was anything they could do to go ahead and remove this hold and they said no, I needed to wait for 24 hours. I was told that before and look where it got me.