davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (LA)

On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.
Consumer complaint received 2021-07-07
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: Certified Services, Inc. (IL)

Certified Services Inc violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had been with Bank and America for 16 years and had some problems with fraud a few times. The last time was outrageous. I immediately reported it to the bank and filed a police report. They crested another account but it was still attached to the original one that was hacked into. I asked them to separate it so I could move my funds over and close the hacked account. They continued to freeze the old account but you could still access it through their main portal and then get over to my new accounts. I continued to have fraud issues and all they did was change my username and password. One day a someone cashed a check in my name out of my account. I immediately called Bank of America and at that point the agent asked me as to which username was me. I told them I only had one username that they had provided me. Unknown to me there was another username on the account that they knew about and the person was freely taking money out of my account and using XXXX as well. Not only that but they had issued checks to this person. I told them since it started that I was the only user of the account yet no flags were set off after continuously changing my name and password and dealing with fraudulent activity. I lost thousands of dollars to both Bank of Americas negligence and the theft that was being committed. The police said it was not a matter they handle and Bank of America took no responsibility for it. Then suddenly they shut down my accounts without contacting me until after the fact. Without an explanation everything was closed and on top of that they reported me to other banks. I am XXXX and on medical XXXX so this entire process was a mess and very stressful, not to mention the amount of money that I lost in the process. None of this would have happened if it were not due to their negligence and mismanagement of my money. I dont understand how this could happen and why I was blamed. Some sort of action needs to be taken because if this happened to me, I am sure I am not alone. On top of it I am out thousands that I desperately need for my healthcare. I need help and advice on what action can be taken.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One called me this morning XX/XX/23, to tell me that someone used all of my personal private information to apply for a credit card. I already have a credit card with Capital One. I told them that it was not me who applied for another credit card online. 
My wife told me that Capital One call her also to tell her that someone applied using both of our private personal information to apply for a credit card either late on XX/XX/23, or early on XX/XX/23. We did not apply for a joint credit card at Capital One. 
Capital One denied the fraudulent applications. I am sending a letter to Capital One so they can provide me the full application submitted online by the criminals, so I can file a police report with my local police department.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

on XXXX XXXX a collection was placed on my consumer credit file by the company jefferson capital systems with the amount of {$1100.00}, under the fair depy collections practice i have all rights to ask for this debt collector to VALIDATE this false debt ... a debt validation was sent to this company listed in my complaint and they never responded ... ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2021-07-07
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: ALLY FINANCIAL INC. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINCL Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (TX)

Experian provide my consumer report to the below list of companies with my consent. 

Pursuant to 15 USC 1681b ( 2 ) The law says that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I did not give you permission to furnish my consumer report to the companies listed below. 

1. XXXX  XXXX  Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX  XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

date : XX/XX/2023. 
amount : {$1800.00}. 
i did file a dispute for the unauthorized charge and chime denied my dispute and fail to provide me proof of why are they denied my dispute
Consumer complaint received 2021-07-07
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. (MS)

I've contacted XXXX, XXXX, and Equifax  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

The following companies are not licensed to collect debts in the state of Texas and/or past the statue of limitations to collect monies not owed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems , Inc . 

XXXX XXXX XXXX, XXXX are still trying to collect this debt which I do not owe since 2016. It has been taken off my credit report several times but this company keep falsely reporting a new open account date.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Chime Financial Inc (IA)

I already tried confronting Chime directly myself. After dealing with their people 3 times, I've already ordered a new pay card from my own work and cancelled everything having to do with them. They are a scam set up to rob as many victims as possible trying to keep them unaware. I've had a total of XXXX dollars be wrongfully taken from my account, which left me unable to spend my own money. I don't make a lot of money as is and everytime I looked for answers as to where the money went, I always ended up feeling hopeless. Their scam is within the terms of their credit card. I read to terms front to back and their entire app never mentions exact details outlining how the credit card will work. It's set up to be as confusing as possible. However, when the funds automated too transfer from your debit to your credit, surely your credit limit will not exceed XXXX dollars. I'm so very displeased with their service and am telling anyone and everyone how much chime is into extortion.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

On XX/XX/XXXX, Discover promised me an ACH payment of {$1300.00} for permanent credits on my account, as well as disputes found in my favor. Several agents including a manager told me the amount had been approved and sent for processing. This went on for three weeks. On the last possible day I was told it would've taken for the payment to show up in my bank account ( XX/XX/XXXX ), I noticed the money still wasn't there, so I called them to find out what was going on and they told me they canceled the payment and I would not be receiving that money. A supervisor called me later in the evening after I had requested to speak to a supervisor. I reminded her that all phone calls are monitored and recorded and I wanted her to listen to each and every one that took place since XX/XX/XXXX. Her response was that regardless of what was said to me and how many people said it, they would still not be send me payment. She also stated that the amount was never approved, even though I was told otherwise, by again several agents, and again on a recorded line. 

They duped me, and at XXXX time. They dangled my own money right in front of me for three weeks, then took it away a week before XXXX. The money belonged to me. Again, they were based on permanent credits I had on my account, as well as disputes found in my favor. This was why I was told I was receiving the money in the first place. Any balance I had on my account was irrelevant. In regards to that, I was told they could still send me payment for the credits, but that my card balance would just become higher. Furthermore, my balance was not due for more than a month after the reimbursement was requested. Just thought I'd bring that subject up, since the supervisor from XX/XX/XXXX told me there's no way they can send money to me for credits if there's a balance on the account. If that were the case, then why would A, three agents and a manager tell me otherwise and process my request, B, others approve the request, and C, two checks for over {$300.00} be sent to me for the same exact thing, even though there was a balance on my account?!?? Discover is nothing but a bunch of underhanded, deceitful crooks. 

Based on previous complaints with the CFPB that I have filed in the past, I know that your agency doesn't take the action they need to against financial institutions evenafter they've clearly violated consumer protection laws, and your agency is just about as useless as the XXXX. Worthless and hardly worth even a XXXX that is taken out of taxpayers ' dollars just to keep you in business. It's a joke. Which is why I am filing a lawsuit against Discover. I only filed this complaint to have what Discover did to me on record with what appears to be the only government agency regarding complaints about financial institutions.. and just in case one day you start doing your job and actually do something to help resolve an issue where clearly the business wronged the consumer ... Fat chance I know.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

In XX/XX/XXXX I was contacted by a debt collection agency about a XXXX card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.
Consumer complaint received 2019-12-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX I was contacted by a debt collection agency about a JPMorganChaseBank card that had not been paid from XXXX through XXXX. I was not aware of the payment statements because it was only going to my spam folder. Once notified, I paid the amount due of roughly {$270.00}. 

Nonetheless that has stayed on my credit report ever since, as " Paid, was a charge off, '' Despite several efforts in XXXX to get the credit reporting agencies to investigate and dismiss the claim because it was paid in full, it has remained there. 

I want to try to get a refinance on my house and this single derogatory notation is hurting my ability to get a favorable rate. It has been six years. It needs to be removed.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (TX)

i have signed on a CD with the 30 years fixed interest rate of 4.25 % and total closing cost of {$29000.00} on the date ofXX/XX/XXXX. 
closing date is on the XX/XX/XXXX at XXXX and i received a call and email regarding to the new disclosure form that i have to sign due to that they cant honor the last disclosure that already been signed and they want to force me to sign the new document that has a interest rate of 5.1 % on the date of closing right before i go to title company.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
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 have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lendmark Financial Services (TX)

I have a phone number calling my employer falsing information about who they are, their names, and refuse to give any information. After researching the phone number I found out it is Lendmark Financial and they are calling more than 5 times a day on my cell phone, contacted my family, and my employer more than 5 times a day!!