davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2019-11-05
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. (GA)

In XX/XX/2018 my identity was stolen to fraudulently open an account with XXXX. I filed a police report and followed the procedures with XXXX to verify that it was not my account. XXXX sent me a letter stating the account is not mine. I sent the proper paperwork to all three credit bureaus. 

XXXX and XXXX immediately corrected the issue and removed the fraudulent account information from my credit record on their respective systems. 

I have tried three times to have Equifax correct the issue and they are refusing to do so. I have a letter from XXXX sating it is not my account and a police report. This has been going on for 18 months. 

I have also called Equifax and they ignore me. This has prevented me from getting new credit and cost me hundreds if not thousands in additional interest because of the higher interest rates I must pay with this incorrect, fraudulent negative credit account hurting my credit rating.
Consumer complaint received 2018-09-22
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: LEXISNEXIS (NY)

LexisNexis is violating my rights as a consumer with regard to a Bankruptcy they are reporting on my consumer credit report and selling said information to the three credit bureaus. I am NOT a victim of fraud and DEMAND a reinvestigation of this dispute. They are in serious violation of my rights under the FCRA.
Consumer complaint received 2020-08-20
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. (MS)

Equifax continue to report inaccurate information on my credit file. Remove these items from my credit file. 
Collections : XXXX XXXX XXXX XXXX please remove. never signed a contract or made any agreement. 
XXXX, XXXX, XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
Inaccurate acoounts : XXXX XXXX XXXX XXXX XXXX please remove late payments. never was late XXXX/XXXX XXXX please remove late payment. never was late XXXX XXXX XXXX pay for delete account. please remove XXXX XXXX XXXX XXXX please remove late payments. never was late
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NY)

I began receiving text message and email alerts from Chase that my account balance exceeded a set threshold level. Upon checking my account, my balance was less than half of this arbitrary amount. A short time later, I received another alert that my balance was even higher! Upon calling Chase, I was told that there was a mistake with a change to one of their systems. I received no notice of this " mistake '' and for a Fortune 500 bank to be taking such risks with untested, unverified software updates is deeply concerning. 

More concerning is the possibility that the bank was using actual customer phone numbers in testing its new system, since the alert I received was for an amount far in excess and with no relation to my current account balance. In other words, it wasn't double the amount, a rounding error, an extra zero, etc. It was arbitrarily larger and different.
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (PA)

Fraudulent account identity theft XXXX XXXX XXXXl Amount XXXX Account XXXX Date open XX/XX/18 Account was deleted but somehow continues to reappear on Equifax credit report
Consumer complaint received 2020-10-12
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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My credit score dropped 65 points due to the way XXXX XXXX reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( XXXX, Equifax, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I applied for XXXX XXXX recieved a letter in mail a week later of the background check. Which is inaccurate and not true its stating I have a felony and misdemeanor Its not true at all Ive had this issue before with fraud someone using my identity Ive received a letter with these charges before in the past and contacted the lawyer on that letter about it and he continued to say to ignore if its not me I have nothing to worry about. I just want this cleared up as its false and not true and all.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

XXXX Credit collection services has been harassing at work to pay a debt in the amount of {$530.00} ; a debt I do not owe. I did not given any written consent for this company to have my personal or private information. I did not sign any contracts with this company. This company has contacted me many times via mail and on my cel phone to collect a debt I do not owe and they have no legal right to collect from me if I did. They have violated many of my federally protected rights as a consumer and caused me major stress while calling e at work interrupting my work.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WI)

XXXX XXXX has been continuously calling me, my sister, my grandmother, my stepdad, and my stepdad 's sister, who we have no contact with. Everyone but the person who's debt it is, my mom. They have not called her phone once, but have attempted to contact me over 30 times within the past few weeks. I consider this harassment.
Consumer complaint received 2023-01-24
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. (MO)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2200.00} ; XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2020-07-09
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. (TX)

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS COLLECTIONS AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS ACCOUNT ETC AND INSTEAD OF BLOCKING IN THE 4 DAYS I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Consumer complaint received 2020-07-09
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. (TX)

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS COLLECTIONS AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS ACCOUNT ETC AND INSTEAD OF BLOCKING IN THE 4 DAYS I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On Friday XX/XX/XXXX I received a letter stating that I was declined for a credit card because I have an overdrawn checking account with Chase Bank. 
I am a signer on a COLLEGE Checking account with my daughter. I immediately called to find out how much overdrawn she was. I was informed that the checking account is {$48000.00} overdrawn. After further investigation I was told that there were several withdrawals ( in person ) and large wire transers. I immediately filed a claim. These transactions were made in XXXX and would have shown on a XXXX statement if I had received XXXX. I am still within the 60 day time frame to dispute activity on the account. I was told that my daughter needed to sign and return a letter that Chase was mailing to her immediately to move the claim forward. On Thursday XX/XX/XXXX I called to find out where the letter was. After XXXX hours on the phone, back and forth with various Chase reps I was informed that the claim was denied on the same day I filed it and that it was past the time frame. I was also told that a device registered to the bank account was accessing the account and making large deposits and withdrawals to the tune of {$310000.00} in a college account, without notifying me, the parent on the account. We have notified the police department, and the fbi about the fraudulent activity but Chase bank has not allowed us to properly file the claim within the allotted time frame. 
Someone needs to determine why Chase refuses to allow, by law, us to file the claim and perform an investigation. How were two in person withdrawals for large amounts ( {$10000.00} and XXXX ) handed over to someone without i.d .? How were hundreds of thousands of dollars wired without anyone being notified? The device accessing the account was a stolen phone that is blacklisted and not being used by my daughter. Chase bank refuses to help us.
Consumer complaint received 2019-11-05
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: General Motors Financial Company, Inc. (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : Late 30 Days on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I sent a XXXX payment to these people on XX/XX/2018. For my XXXX mortgage. It was cashed by them on XX/XX/2018. And they are saying they never received it. I sent proof of the payment by sending a copy of the check and a copy of my bank statement from XXXX. They are saying they never received it
Consumer complaint received 2020-10-12
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2020-10-23
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 {$0.00}, {$0.00}, {$0.00}.

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 ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-04-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello how are you I want you to dispute TransUnion they dont do their part they leave all the inquiries I disputed with XXXX on the credit report they dont remove them immediately they refused I had all my personal belongings stolen and they keep asking for a police report. And I recently paid off all my credit card debts but it still shows on my reports please fix this
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting a collection from XXXX that they have provided no documents or information for me fi follow up with to validate this collection. How exactly were they able to validate and verify that this collection belonged to me? I would like these records so I may view them.