davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (TN)

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-09-11
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)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I XXXX XXXX XXXX XXXX XXXX   XXXX Credit CardXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXInquiry from XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXXXXXX XXXX XXXX Closed : XX/XX/XXXXXXXX XXXX Closed : XX/XX/XXXX $ XXXX XXXX XXXX XXXX - XXXX XXXXNeeds Attention Last reported : XX/XX/XXXXXXXX XXXXNeeds Attention Last reported :XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have continued to dispute the false information that XXXX XXXX XXXX has placed on my XXXX credit report and will continue to do so, until this is deleted. It is obvious how seriously that this collection company takes this, as they close out my complaints in less than 24hrs without any real investigation.

AGAIN, I NEVER received any bill for this debt from the original creditor-XXXXXXXX XXXX XXXX XXXX- who is a third party billing company out of Ohio . XXXX XXXX XXXX XXXX- based in Ohio , has been found guilty of fraudulent billing in several cases. I have NEVER been a patient at XXXX XXXX XXXX, in XXXX, OK. XXXX  has falsely claimed that XXXX XXXX XXXX is in XXXX , OK, which it is not, it is in XXXX  , OK-this first claim shows that their information is clearly flawed. AGAIN, my credit report shows the information given from XXXX-claims the original creditor 's service being XXXX  of XX/XX/XXXX. Their claim of me being seen at XXXX XXXX XXXX in late XX/XX/XXXX is not even possible, given the fact that this hospital was torn down in XXXX of XX/XX/XXXX after being struck by a tornado. It was rebuilt and opened in XXXX  of XX/XX/XXXX-reopened as XXXX XXXX XXXX hospital in XXXX, OK.

More importantly, XXXX   has refused to even address repeated request for validation of this debt, they refuse to provide ANY original documents proving what is owed. They are required to send proof that they own this debt or have been legally assigned this debt by the original creditor along with original documentation showing proof of debt.

According to federal law, if a debt collector does not verify the debt, it is not allowed to list the debt on a person 's credit report.

Also, the State of Oklahoma requires a creditor to provide the following documentation to prove the validity of a debt- proof of service, proof of breach of payment, copy of any contract or original account and documentation of assignment of debt. This information came directly from the Oklahoma Attorney General 's office, after I submitted copies of all complaints/disputes with XXXX.

XXXX has now refused to comply on multiple occasions and attempted to make me think that I am incorrect and that the burden of proof lies with me, not them.

XXXX is required to show proof of this debt, not pass the buck on to me.

AGAIN, XXXX  has shown zero proof of anything being owed.

XXXX has a well established history of fraudulent activities.

XXXX  refuses to provide any documentation/consumer disclosure file on this debt.
Consumer complaint received 2018-09-11
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)

There are many accounts open on my credit report, they use a different name because they provably didn't know my real name, They use XXXX, XXXX and other names my real name is XXXX XXXX and I was deployed in the XXXX service in XXXX, XXXX XXXX and XXXX XXXX I have my deployment orders all the data is incorrect please assist. I am in town for the next 2 months.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (MI)

I received a debt collections notification XXXX from Penn Credit Corp. for an electrical service charge dated XXXX for a total of {$430.00} from XXXX XXXX in XXXX Texas. Billing Invoice # XXXX was made to XXXX XXXX giving an acct. number of XXXX XXXX ( Residential ). Address noted is XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. First of all my name is mispelled. Correct spelling of first name is XXXX. Secondly, I have never lived or resided in Texas, nor any family member. I have never had any business association with XXXX XXXX, past or present. 

It was recommended by a XXXX Representative by the name of " XXXX '' that I file an identity theft report with our local police and also with you. 

I filed the police report with the XXXX XXXX XXXX XXXX XXXX XXXX yesterday, XXXX XXXX. Complaint # XXXX with XXXX XXXX XXXX # XXXX. I will not be able to obtain a written report of the claim until XXXX XXXX. They have copies of the original documents. 

The officer recommended that I obtain a credit report and review for any other potential fraudulent charges made in my name. I am in the process of following his instructions. 

I will have to go outside my residence in order to have documents scanned in order to attach to this complaint, if necessary.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERIS BANCORP (GA)

I am a signatory on a checking account with my neighbor who I have a power of attorney to handle his finances. 

On XXXX I noticed 2 unauthorized charges on the joint checking account and called the banks fraud line and reported it. They cancelled the card. 

The next day i noticed that the transactions were still pending. I immediately called the bank on the XXXX and reported what I had done. The next response amazed me. The bank told me that the service I called only cancels the cards and that the customer has to call the bank. 

This is outrageous. No one told me that we had to make a second call to the bank. This is the first failure by Ameris. How can they provide safety and security when they botch this like they did. 

The second failure, which has several elements, relates to their mailing process. 

They sent me 2 notices, each dated XX/XX/2024. 
The checking account mailing address is : XXXX XXXX XXXX, and they sent the notices to me at my home. It makes no sense. 
I received the notices on XX/XX/2024 in the XXXX Mail They were mailed from the bank on XX/XX/2024. 
The account is paperless and they had every opportunity to send the notices electronically. By doing that they could have saved some trees, save the postage and follow through with a timely notification. 

These. 2 failures reflect a management failure to protect their accounts.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, HI, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX
Consumer complaint received 2018-07-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

My wife and I submitted a request to Equifax and XXXX over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.
Consumer complaint received 2022-07-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 

1.XXXX XXXXXXXX Account XXXX XXXX 2.XXXX XXXX  Account # XXXX 3.XXXX  Account # XXXX 4.XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-12
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. (OK)

I have sent SEVERAL LETTERS and submitted SEVERAL online disputes to have my Transuion personal statement REMOVED and fraud alert removed! I need ALL personal statements removed from my Transuion credit report. I also need ALL fraud alerts REMOVED from my transunion credit report ASAP.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OK)

XX/XX/2019 Wells Fargo Mortgage reporting delinquent 43 days late.

I am a victim of Data Breach as result of Wells Fargo disclosing my information.

I have on going Identity Theft as a result of Wells Fargo leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

Wells Fargo has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A. (MD)

Approximately 3 weeks ago, I received a replacement credit card from XXXX XXXX XXXX   Mastercard. Since then, I have called the 877 number on the card several times and spent significant time in the hold queue. When I did get to a live person, I was told that I would have to go to the website to have my questions answered. 

When I visited the website, I found that I would have to create a login ID and password. Since these questions were of a personal nature, I knew that the website would be unable to provide answers and refused to register. 

Upon receiving the card, the page the card was attached to stated, This card replaces your existing card. Please destroy your old card, as it is no longer valid. On the card itself, it states that I have been a member since 2012. 

Since this is my replacement card for XXXX XXXX XXXX Mastercard Where is my original XXXX XXXX XXXX Mastercard as I never had received this card under the listed or any account number? 
How could I have been a member since 2012, having never been issued XXXX XXXX XXXX Mastercard before? 
If a XXXX XXXX XXXX Mastercard was issued to me, where was it mailed to? 
Was the XXXX XXXX XXXX Mastercard ever used? 
Who used the XXXX XXXX XXXX Mastercard? 
What credit bureau do you report this to as I have never seen it listed on any of the 3 major bureaus? 
How is the XXXX XXXX XXXX Mastercard listed on my credit report? 
What account number is the XXXX XXXX XXXX Mastercard reported under? 
Why was the XXXX XXXX XXXX Mastercard sent to me when I never requested it? 
The literature with the XXXXXXXX XXXX XXXX Mastercard indicates that it can be used at Sears and XXXX. Is the XXXX XXXX XXXX Mastercard affiliated with Sears? 
If affiliated with Sears, is my Sears card still valid? 

At any rate, I did not request this card and do not want it. 
Please cancel the XXXX XXXX XXXX Mastercard and have the credit bureau note as the reason Unsolicited card canceled by consumer. 
Provide written confirmation that the XXXX XXXX XXXX Mastercard has been cancelled and the reason listed as above as well as responding to the specific questions above.
Consumer complaint received 2024-03-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (OH)

I had XXXX worth of fraudulent charges that I even made a police report about and reported the card lost disputed the charges they said no errors occured this was between XXXX and XX/XX/XXXX all online purchases
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (AZ)

This company calls me 6 times or more a day. I informed them in XXXX, that I had lost my job and I would call them back when I start work again and get my finances back on track. They dont care they have been calling non stop. They have made it harder for my recovery.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

This debt collection account does not belong to me. I have no knowledge of how this could have occurred. I have never been in contact nor conducted business with the debtor. The original debtor appears to be XXXX cable in which I have never had services with them.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

sunrise credit services reported debt collection to the credit bureaus on XX/XX/19 I have sent a request for validity of this debt with no response from this company I have never done business with them and I don't owe this debt
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

2018 XX/XX/XXXX, I found out that {$25.00} has been debited from my chase premier plus checking account as service fee. I called customer service at XXXX XXXX eastern time on XX/XX/XXXX. The customer care representative informed me that the fee was levied because my combined account balance ( savings + checking ) during the XXXX statement cycle went below {$15000.00}. Nonetheless, she returned the fee as a courtesy to me. 

I checked my statement and found that my balance never went below {$15000.00} according to the statement. In contrast to the numeric evidence there was a line on the statement and I quote - " Your average qualifying deposit and investment balance was {$14000.00} ''. At this point I was not sure if I was reading the statement wrong. So, I called chase again at XXXX XXXX  eastern time. I was informed that I was not reading it wrong. 

I informed them that I would like to complain. They could not give me an email id and gave me a physical mailing address in XXXX Texas. 

I want to know if I am making a mistake in reading the account balance or understanding of qualifying deposits balance. If there is no mistake on my part, I would like to know an explanation of what caused such a huge error.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (ME)

This company Direct Recovery Services ( directrecoveryservices.com ) calls again and again trying to collect debt from someone who previously had this phone number. I've explained this several times and asked them to remove the phone number. Sometimes they call and leave nasty messages. 
When I ask questions about who their company is they often hang up. 

They appear to have other complaints about them.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (FL)

have a DIRECT EXPRESS card for deposit of my Social Security checks. In XX/XX/2019, I was CHARGED {$140.00} for a TOOTH WHITENNG KIT that I never ordered nor received. I was given a tracking # by Direct Express to check with local post office and they concurred that a package had been delivered to me back in XXXX, 2019 and left on porch in rocking chair. I NEVER received the package they are referring to. I am XXXX years old and rely on XXXX. just to pay my monthly expenses. I would never have ordered such an outrageous item! I complained to Direct Express and they gave me a " temporary '' credit while they investigated, only to rescind that credit 10 days later! I have been fighting this charge since XXXX to no avail. This week I received a letter from Direct Express stating " we are pleased to inform you that our investigation has concluded and your case is now closed. The {$140.00} " provisional '' credit dated XX/XX/2019 will remain as a PERMANENT credit on your card account. no such credit appeared on my card and my balance is {$.00}!