davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

My identity was stolen back in 2016 someone used my identity to seek medical attention amongst other things, I have been dealing with this for some time now I have contacted XXXX XXXX XXXX XXXX to inform them that this was not my doing, but nothing has been done about it now they have sent the debt to A collection agency ( XXXX ) I  have also contacted them to let them know that the debt id fraudulent, no one seems to care as a result this debt has been placed in collections and is reporting on my Equifax credit repot, I have also contacted Equifax and let them know the debt is fraudulent and that the two accounts should be taken from my report immediately. I have filed police reports and have any information needed to validate that fraud has taken place. The debt is stems from two accounts Account # XXXX amount XXXX and Account # XXXX amount XXXX.
Consumer complaint received 2019-09-26
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: SELECT PORTFOLIO SERVICING, INC. (NJ)

My mortgage has been sold three times over the past 3 years, and in each instance the mortgage holder refuses to report my monthly payments have been paid on time. As a result I have no FICO score which prevents me from securing home improvement, automobile or major appliance purchases. My current mortgage holder is Select Portfolio Services and all they do is give me a runaround regarding this issue. I feel that it is be done deliberately since the interest rate is at 6.25 % and not having a FICO score also prevents me from refinancing at a lower rate. It is my belief they are holding me hostage and preventing me from finding a better rate with a local bank. Finally, it must also be noted that I have no outstanding student loans, I possess no credit cards or credit card debt, no automobile loans or any other personal loans or financial obligations whatsoever!
Consumer complaint received 2019-09-26
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. (FL)

All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.
Consumer complaint received 2019-09-26
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. (FL)

All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I received a text message alert warning me that someone was using my card unauthorized. They listed a number below for me to call. When I called the number they began a debit fraud dispute for me that included many charges that took place during this timeframe from the XX/XX/XXXX. After filing my dispute, the airline got caught doing some type of switch up that revealed 2 flights being purchased for me for the same flight. I then called back to report this as well. Most recent I contacted the cfpb about what the bank did to my automobile insurance. I reported an employee for threatening to cause a lapse in my ( supposedly canceled ) insurance because I told him I would file a lawsuit for the money they owed me. They owed me over 200 dollars but when I called to report what occurred they claimed they sent a check for XXXX. Which I have not received. Because I told the cfpb about Mr XXXX. The bank then reversed the credit they issued to me AFTER notifying me that someone was using my card. I am writing to get the credit given back to me and to end retaliation against me for informing the cfpb about their dishonesty.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My ATM card was stolen. Between early XX/XX/2019 until XX/XX/2019 a total of {$62000.00} was withdrawn from my savings account at Chase bank. Usually in increments of {$3000.00}, some were taken on the same day from the same ATM. 

I have never taken any money from my savings account using an ATM. 

My complaint is that Chase Bank never flagged or notified me about this as unusual activity in my account. 

I have had a bank account with Chase Bank for over 20 years and am also Private Client with Chase Bank.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

over the past 6 months I have submitted over 20 Disputes with all 3 credit bureaus - Sent Letters to All 3 Credit Bureaus - I sent 2 written letters to Collection Agency ( capstone ) via USPS XX/XX/XXXX & Email to the Attention : XXXX XXXX Subject : Formal Request for Resolution of Identity Theft Issue and Removal of Fraudulent Accounts Attention : XXXX XXXX My name is XXXX XXXX XXXX XXXX, I hope this message finds you well. I prefer to communicate by phone or email. I have made several attempts to reach you by phone and have been unsuccessful. I have sent written letters to your office and I appreciate the offer extended. I will not accept your offer because of the validity of these 2 Accounts. My letters were clear that these are not my accounts and I am yet again writing to address a critical issue regarding identity theft perpetrated by " XXXX XXXX '' who has misused my personal information to open fraudulent accounts in my name. Specifically, XXXX XXXX has utilized my information to create the following accounts : Account XXXX Account XXXX To resolve this matter, I formally request the immediate deletion of the aforementioned fraudulent accounts from all three major credit bureaus. If not, I kindly request the following actions to be taken : Provision of a Debt Validation Letter containing detailed information regarding the debt. 
Disclosure of the original agreement between the creditor and myself.

Provision of comprehensive details regarding the original creditor, including contact information and account specifics. 
Confirmation of the authenticity of the debt through the original agreement bearing my genuine signature. 
Documentation validating the assignment of the debt. 
These documents are essential to verify the legitimacy and accuracy of the debt in question. Failure to provide these documents within the specified timeframe may result in legal action, as outlined in the Fair Credit Reporting Act ( FCRA ). 

This dispute falls under the purview of various sections of the FCRA, including but not limited to : Section 602A ( 15 U.S.C. 1681a-2 ) Section 603 ( 15 U.S.C. 1681a-3 ) Section 604 ( 15 U.S.C. 1681b ) - Permissible Purpose Section 604A ( 15 U.S.C. 1681c-1 ) Section 605A ( 15 U.S.C. 1681c-1 ) Section 605B ( 15 U.S.C. 1681c-2 ) Section 611 ( 15 U.S.C. 1681i ) It is crucial to promptly address and rectify the inaccuracies in the reporting of these accounts, which are clear violations of the FCRA. 





Furthermore, the unauthorized sharing of my information with any other entity is unlawful. Therefore, I request the immediate deletion of the specified accounts from all three credit bureaus. 

To facilitate the resolution of this matter and ensure compliance with FCRA regulations, I urge you to provide the requested documentation. Your prompt attention to this request is greatly appreciated. 

Thank you for your cooperation in resolving this issue. I look forward to your prompt action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-26
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. (NY)

Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX amount9 {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}
Consumer complaint received 2019-09-26
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. (NY)

Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX XXXX {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.
Consumer complaint received 2018-03-01
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: Experian Information Solutions Inc. (WI)

Paid off credit and merged two accounts credit files show only that account I paid off was closed. The credit limit should reflect {$1200.00} which is the two limits combined.
Consumer complaint received 2019-09-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/2019 at XXXX, I Received A Call Identifying as XXXX County Legal Department/Office stating that there was legal action for a debt being owed and that a Suit was being filed against me. I explained that I was unaware of the Suit, nor Had I received documents in the mail. I was provided a phone number ( XXXX ) XXXX along with the Case number. At XXXX, I placed a call to the number provided to me, and spoke with a woman name, XXXX XXXX , who represented a company called " XXXX. '' She would not provide me with an address of this Company due to " safety of their clients. '' I stated the reason for my call, and provided the Case Number that was given to me. She stated that the Case was Locked, and needed to place me on a brief hold to get the case manager provided for my case to be unlocked, so that she may give me the details of the suit. After returning to the phone call, she proceed to explain to me that actions was being taken on by a Pay Day Loan Company accusing me of Fraud as well as providing me with information of cost if the suit continued with or outside of court. I stated I had not received any information in the mail in regards to this suit and asked that why Had I not been contacted. She replied with saying the company has no current address on file for me to be reached, although the Pay Day Loan was done within the current address. I was threaten to be taken to court if I did not agree with the payment arrangements to handle the case outside of court. Before I realized that this was indeed illegally, I recommended a different payment plan which she refused therefore leading me to end the call. I made a call to the first phone number identified as XXXX County Legal Department, if it was legit and no one answered the line. There was no recording verifying that this number was XXXX County Legal Department, nor was there a voicemail.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (CA)

Hello, I wanted to contact you because I believe I have been a victim of fraud, not sure. I was in an emergency and was applying for a funds through a third party network. In the midst of needing help- I think I may have fallen for a scam. The person gave me the following information Freedom Financial Asset Management , LLC, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX loan officer. He told me they needed to up my credit score XXXX points so to purchase a gift card with fund they deposited. I did so- thinking it was part of process. I didn't initiate any reversal for the payments I see on my card at the moment. I asked for a copy of the agreement and nothing has been sent. Id like to report this and if I need to do anything? I do not want to end up in legal issues- I didn't authorize reversals for the charges im seeing being reversed. I asked for the copy of the agreement and waiting on it. will send as soon as I get it. Im not sure who to contact in case this ends up being fraudulent, thank you so much
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called Capital One to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.
Consumer complaint received 2019-04-01
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)

I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit Card Services is reporting a XXXX days late and a XXXX days late in XXXX and XX/XX/XXXX after I paid the account in full in XXXX of XXXX. 

At the time of payment I contacted Chase and was told what the balance was and paid it in full ( please see the attached letter ) and there would be no other charges. Chase then proceeded to apply interest on the previous paid balance but did not send a statement or an alert. 

Because they had closed and ended our banking relationship in XXXX of XXXX I had no idea there was an outstanding balance until I logged back into my online portal in XX/XX/XXXX to get statements for tax purposes. I paid the balance immediately asked the rep had my credit been compromised and was then misled by the rep and told no. 

This is completely unfair. Chase has proceeded to stonewall me, not answer my questions in the dispute and continue to report false information. 

please help me. see the attached letters
Consumer complaint received 2022-03-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I was in process of a cash out refinance with Wells Fargo on my home and have been given multiple options with completing the process, however the underwriter contacted me directly asking inappropriate personal questions about why I chose to move to the area of XXXX. 
The next day ( today ) I was given unreasonable lists of documentation to submit that are not typical or necessary. I have over the amount of the pending mortgage at this banking institution and 4 times the amount of pending cash out in property.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am showing a past due balance from XXXX XXXX XXXX  less than {$10.00}. The balance incurred because I returned a purchase from XXXX and then was occurred service fees for having the account I definitely sign up for auto pay which would have taken care of any such past due balances I spoke to numerous representatives which told me that they took care of the issue, they changed the past due balance as paid agreed now all of a sudden its showing up as 30 days past due. Spoke to supervisor XXXX and many more past that which told me that the issue would be corrected because they already adjusted the past due balance to paid as agreed. Now all of a sudden theyre on their promise and showing as past due 30 days late. Theyre now rethinking on the promise.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (DC)

On XX/XX/2022, an unauthorized transaction in the amount of {$1000.00} was deducted from my Suntrust ( Truist ) checking account. The funds that were taken from my bank account was transferred to another XXXX XXXX crypto currency account. I have an account with XXXX XXXX ; however, I did not authorize this transaction on XX/XX/XXXX XXXX. 
I have a XXXX XXXX account, and I called ( XXXX ) on XX/XX/2022 to investigate this matter and they confirmed that a {$1000.00} was stolen from my bank account and applied to another account and that they did not know where the money had been applied. 
On XX/XX/2022, I went to Suntrust bank, and they also confirmed that the funds had been taken from my account and I completed a form that stated that I did not authorize this transaction. I faxed the form to corporate offices the next week and they stated they would respond in XXXX to XXXX days. I got a response the next week and they denied the claim and the reason was now error occurred. 
I contested this decision from Suntrust ( Truist ) Bank and I have submitted a rebuttal in which is currently pending.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy XXXX XXXX XXXX XXXX / XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ON XX/XX/2022 I MAILED TRANSUNION A RE-INVESTIGATION OF DISPUTED ITEMS LETTER. THE MAIL WAS DELIVERED IN PERSON AND RECEIVED IN PERSON BY A REPRESENTATIVE OF THE COMPANY. UNDER THE 15 USC 1681 SECTION 611 THE COMPANY HAS 5 DAYS UPON RECEIVING A DISPUTE LETTER TO RESPOND BACK TO THE COMPLAINANT WITH A NOTICE OF DISPUTE SAID DISPUTE. I NEVER RECEIVED ANY CORRESPONDENCE FROM THE COMPANY OR A REPRESENTATIVE OF THE COMPANY TO DATE. TRANSUNION IS IN BLATANT VIOLATION OF THE LAW THAT GOVERNS THEIR LINE OF WORK, LEAVING MYSELF AND OTHER LIKE ME IN VULNERABLE AND IN DESPAIR. ATTACHED IS THE US POSTAL CERTIFIED MAIL NUMBER AND PROOF OF DELIVERY. IN RECOMPENSE, I DEMAND TRANSUNION REMOVE ALL ITEMS IN QUESTION.
Consumer complaint received 2019-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

On Monday, XX/XX/2019 at about XXXX, I tried to repay a loan at ACE Cash Express on XXXX XXXX in XXXX, OR. It smelled like cigarette smoke inside and I complained about it. XXXX told me to leave and refused to accept my repayment. 

I do not think I should have to repay the loan at all. Can you help?
Consumer complaint received 2024-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (CA)

Hello, I leased a car through Ally Financial, when my lease ended I returned the car on time ( was leased on XXXX XXXX and was returned on XX/XX/2023 ) and I have the documents with signatures from the dealer, but they saying it was late for 21 days or so and asking about {$1500.00}, I emailed them the document with the date that my vehicle was returned and after that they put a collection and late fee on my credit with 3 credit reporting abencys, and this is not the first time they are trying to collect money illegally and Im not the only customer. They need to be stop doing this. Im going to file a Police report against Ally Financial also. If I can open a lawsuit against them I will gladly do that too. I have the document and I can provide anytime. Thank you so much and I hope you will do something so they will stop doing illegal things and ruin peoples credit. Thank you so much
Consumer complaint received 2022-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.