davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-31
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

my computer was hacked by people saying that they were from amazon security this was on XX/XX/2020 they told me that i had to help them by depositing money in banks in XXXX  the amounts were XXXX XXXX XXXX XXXX and again XXXXthey told me i had to do this when i told them i felt threatend the y said they were threating me and if i didnt do this they would come and commit XXXX  I was under XX/XX/XXXX son i submitted to ther demands after it was done they called and laughed at me i am now devistated. please help me hanover chas e is my bank in XXXX ca, I have tried to con tact them but with no rethe other organizations i have reached outsponce i filed with both lacal XXXX pd and then with the FBIcase no. is XXXX XXXX i have reached out tothe veterans administratio because i am a retired XXXX XX/XX/XXXXXXXX  XXXX error they could not help others i have reached out to are XXXX XXXX XXXX XXXX XXXX XXXX. i spoke chase global XXXX XXXX XXXX XXXX they do not respond to me.spoke to XXXX XXXX  at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX ca she said she would stay in touch along with XXXX XXXX.
Consumer complaint received 2023-06-08
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. (PA)

I have fraudulent accounts and inquiries appearing on my credit report. 
XXXX. XXXX XXXX XXXX {$3500.00} XXXX. XXXX XXXX {$1300.00} Inquiries XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX For XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX Fed XXXX XX/XX/2022
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (TX)

On XXXX after reporting to unemployment a change of address, I called US Bank relia card to request a replacement card and change of address. I was told, I needed to provide proof of identity, and was given the following address to send my proof. Verifiedusb.com/id, where I was to upload a selife. I did. On XXXX, I followed up and was advised to send my ID, proof of address, along with a letter from my landlord. I fax all the requested documents this # XXXX. I received a confirmation #. After this I began to call relia card, first weekly, then daily. Each time I call, I am either told the card is in the fraud department and must be cleared, or there's no information they can give, or they will make sure the card gets out. To date USrelia bank, has a total of {$1400.00} of my unemployment and my rent is 2 months backed up. The staff at relia with names to include XXXX ( supervisor ), XXXX XXXX, and others are amongst the names I spoke with. At this point with the current covid I am overwhelmed, having XXXX and lack of sleep. I was told I am a fraud, hangup on. I have other information if requested.. Thank you in advance for your assistance
Consumer complaint received 2023-03-22
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (NC)

Creditor : XXXX XXXX REFERENCE NUMBER # XXXX CREDITOR REFERENCE # XXXX ACCOUNT BALANCE : {$3100.00} I DISPUTE THIS ACCOUNT!!! THIS IS THE XXXX COLLECTION AGENCY THAT HAS REACHED OUT TO ME WITHIN THE LAST FEW MONTHS. THIS IS NOW HARRASSMENT!!! ANYMORE HARRASSMENT I WILL BE SEEKING LEGAL MATTERS. 

In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for debt. 


THIS ACCOUNT IS RESULT OF IDENTITY THEFT. I AM SUPPLYING FIRSTSOURCE ADVANTAGE THE SAME DOCUMENTS I SUPPLIED EVERYONE ELSE. MY POLICE REPORT AND IDENTITY THEFT REPORT. 

I just sent this information to XXXX XXXX and spoke to someone they told me it would be resolved. Now a few months later it with another collection agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers.
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : XXXX. Validation of the alleged debt ( the actual accounting showing a loss ) ; XXXX. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SIMMONS FIRST NATIONAL CORPORATION (TX)

This is a two-fold complaint that deals with several State and Federal regulatory violations. In one such example, we will deal with and I complain of violations of the FDCRA ( 15 U.S. Code 1681 ) et seq ; and in the other, I allege, fraud, by a financial institution. I intend, depending on the outcome of this action, to seek private counsel for a private action. I am Complainant, XXXX XXXX XXXX. My XXXX is XX/XX/XXXX. Here is the background. In XXXX of XXXX, I moved from XXXX XXXX XXXX. At the time, I maintained an account in good standing with Simmons Bank. Because I intended to keep the account, although I rarely used the account ( I hadn't used it in over XXXX years ) the bank closed my account, allegedly for " dormancy '', in violation of XXXX XXXX XXXX XXXX XXXX. The bank, rather than to convey the funds to the state as required by statute, kept the money internally and refused a refund. The bank claimed that they charged a " XXXX XXXX '', which is contrary to law and to Simmons own policies and procedures. The amount was just under {$60.00}, however, a violation of this law, only requires a statutory amount of XXXX. I have asked for the refund, the bank refused. I was not made aware, nor had the bank, in spite of having my contact information, made any attempt to contact me, prior to the unlawful confiscation of the funds in the account. On XX/XX/XXXX, after being denied a refund of the so called fees, I attempted to open another account. I was denied. The reason I was given is that something was listed in XXXX XXXX, that was derogatory about me. However, I immediately contacted XXXX XXXX, and now have evidence that there is nothing derogatory about me, nor do I have credit issues. It is important, because the banks actions are retaliatory and because they used false information, in writing, as a reason to deny me access to a checking account. It is unlawful for a bank to without a court order, withhold funds from a depositor. It is also unlawful for a bank or other financial institution to fabricate non-existent fees, especially where those fees are contrary to law. Frankly, it is stunning that without the knowledge and consent of XXXX XXXX, a separate company, Simmons Bank, in a letter to me of " Adverse Action '' stated that the denial of my application for the account was based in whole on information obtained from this Consumer Reporting information. There is no other reason listed and the denial is retaliatory.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-29
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. (NC)

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.
Consumer complaint received 2022-11-21
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. (GA)

On XX/XX/2022 I submitted a complaint stating that an account was opened with XXXX XXXX  that I didn't authorize nor give my consent. I also attached a FTC report in proof on identity theft. XXXX removed the account from my consumer file and since have reinserted this fraudulent account stating that it has been verified. On this investigation results XXXX is also reporting on this notice that the account in question address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  After I viewed the other two credit agencies I discovered that all three Credit reporting agencies are reporting different addresses for XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  & XXXX So now the question is who is this company that verified this account. I XXXX  the address XXXX  XXXX and the address that XXXX is reporting is not the correct address.
Consumer complaint received 2015-11-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

I recently decided to sign up for a credit monitoring service so I could check and monitor my credit. My family is looking to purchase a new home in the near future. Upon doing this I noticed some collections that are of big concern to me and I feel are in violation of my rights. ProCollect is stating that I owe them {$270.00} three times on my credit report from a company called XXXX XXXX XXXX XXXX. The account numbers are Procollect # XXXX, XXXX & XXXX. In addition, all XXXX dates reported are for XXXX 2015. I have never visited this company in order to get XXXX bills for the exact same amounts. I have written ProCollect starting XX/XX/XXXX and they have not validated that I have XXXX medical debts for the exact same amounts with the same company. I can not get anyone from Physicians Emergency care when I tried calling to verify I have XXXX bills owed for the same amounts. Since ProCollect has not verified the accounts after 2 attempts by mail. My belief then is that they are in violation of the Fair Debt Collections Practices Act and the Texas Finance Code for placing multiple collections on my bureau for the same thing. Due to this it is my belief that they should be removed ASAP from my account.
Consumer complaint received 2022-11-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress caused on me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person ( s ).
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

To : whom it may concern I wish the inaccurate information be removed from my consumer report : The name of the man, woman and or person responsible for reporting, an alleged bankruptcy allegedly filed by me at UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA. I am requesting all written and or digital records of communication from the UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA verifying that I filed bankruptcy in this court alleged docket number XXXX allegedly filed on XX/XX/2019. 

I request that the documents be made available to me within 30 days of receipt of this request. 
Lastly I request the inaccurate unverified information be removed from my consumer report. I believe only verified information can be reported I also believe it is a violation of my rights as a consumer to report information from third parties with no first hand knowledge.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

Sorry, Im bothering the committee to help investigate the issue of my identity theft. Today, I received the issue of XXXX and Jefferson debt collection company for no reason. I have complained to the committee before. I dont know why XXXX hasnt been in two or three years. Take care of my identity theft issue! It caused me a lot of trouble. I troubled the committee to deal with it again. Thank you very much!
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX has paid her XXXX XXXXXXXX credit card and XXXX has paid XXXX XXXX payments by hacking into my CHASE checking account. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$1100.00} She has complete access to the CHASE checking account number.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I left USA to take care of my sick family member in XX/XX/XXXX. I left money in my bank account for my past depts monthly payments. I came to USA for only 6 months to settle my student loan payments in XX/XX/XXXX. During this time I stayed 3 months in a hotel, 2 months in a friends apartment, 1 month an other friends ' apartment in a different city. I found out when I was not in the US my SSN had been used by someone and I reported to FTC and had Identity Theft case number available if needed. 
Soon after reporting, I left USA again in XXXX XXXX for 4 and a half years, returned in XX/XX/XXXX. XXXX. After a short time coming back I started to receive haresing phone calls, treathful words via phone from all around the country. I explained in each calls I was not in the country, the dates they were telling me that I was not in the US. 3 of 4 different companies stopped calling me but one escalated their temper toward me.They claim that, I had lived in a place and did not pay rent which was not possible a person in a 2-3 different address in a same time period. Now days, I am receiving not only haresing calls also bills mail to me. They even told me coming to my address and put me in jail in front of my children. This is too much for me to handle by kindness and smooth attitude. I can prove with my passport that I was not in the US. 
Someone did empty my bank account used my SSN, put me in a place to deal these terrible collection companies. Also there are 5 other phone numbers under my name that I did not use, and addresses I did not live in my credit report ... .It is frustrating. The bills does not even explain what is the dept for. It has been too long and apparently will not end without a legal action. Please help. 
XXXX XXXX XXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

Equifax has wiped all of my accounts from my credit report and reinserted accounts that was previously taken off when I disputed them. Equifax has taken off accounts I did not dispute ruining my credit and credit score. I have several accounts that was on my Equifax that is now no longer showing. There is a XXXX XXXX on my account that do not belong to me that I disputed and it was taken off of my Equifax report and now Equifax has reinserted the erroneous account even after I sent in proof of my address and a copy of my XXXX XXXX report. XXXX XXXX is where equifax states they verify information. I sent equifax a copy of my frozen XXXX XXXX file my self. No one can pull XXXX XXXX because it is frozen due to fraud. The XXXX account is attached to an address that i disputed is not mine and is deleted from my XXXX XXXX report as well. The accounts that DO BELONG on my equifax is : XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX/XXXX, XXXX XXXX, and XXXX. Put these accounts back on my freaking credit. I never disputed them so they should have NEVER been taken off in the beginning. I see a lawsuit coming!
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

This complaint is regarding the Comenity Bank XXXX XXXX credit card ending in XXXX. I have made MANY attempts to resolve this issue - several times by telephone, by message, by letter to bank president, by complaint to XXXXXXXX XXXX XXXX. With that in mind, I'll be as brief as possible. 

1 ). My first payment was late by two days because XXXX store # XXXX had difficulty processing initial transactions to the account, and I waited for the final corrections to come through. When I saw a XXXX late fee was assessed, I contacted XXXX to request a courtesy credit given the circumstances. A month later, I got another statement that not only did not reflect the original credit I called for in the first place, but added a second XXXX. I called customer service again and was told they couldn't make any changes to a closed account. 

2 ). I complained formally to the XXXX XXXX XXXX, only to learn that Comenity Bank is not registered with the XXXX XXXX XXXX 

3 ). I received an apology letter from bank president about a completely unrelated issue that XXXX mishandled. 

4 ). I wrote a letter to the bank president, which went unanswered.

5 ). I called customer service AGAIN. I spoke with XXXX, in XXXX, on XX/XX/22. She told me the account was never closed, and and agreed to credit the entire balance, to include late fees and any other fees. I asked for her last name, employee ID or some other identifying information in case I had a problem, which she said she could not provide. 

6 ). The action promised by customer service in # 5 above was never taken. THE NEXT customer service representative said they had no record of it. Late fees continue to mount and I am being harassed by their collection agency.