davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (GA)

I received a letter from a XXXX XXXX XXXXXXXX lawyer office. They said the debt occurred 1997. I told them I don't recall. He proceeded and said that I wasn't paying on the credit card for 10 years and then they lost in touch with me. I told him that wasn't true then he got upset and hung up on me. So I called back and asked cuz I speak to the manager and then the manager proceed saying that I owe on this credit card in 1997. I told him it wasn't true I do not recall. He got upset and said well you must got put out from that old address and now we finally caught up with you. Is you going to pay it or not if not we going to garnish your check and then hung up on me. This lawyer office is very rude and unprofessional.
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I was charged XXXX balance transfer fees of {$420.00} and {$60.00} in separate instances, and these fees are unauthorized because I did not receive a letter of disclosure or any type of information stating that I would be charged for using the balance transfer checks. Bank of America is forcing me to pay {$480.00}, which I will not pay. Requesting your assistance in resolving this matter. Thank you.
Consumer complaint received 2022-05-24
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: U.S. BANCORP (PA)

XXXX XXXX credit file inquiry by US Bank was not initiated by myself. 

On XX/XX/2022 received a credit alert that my credit file was disclosed. 
To : US Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I got scammed by a fraudulent car rental company while on vacation in XXXX. They told me they were preauthorizing my credit card for XXXX euros while they took my card to the back room and charged it for XXXX euros and faked my signature. All while the reservation was fully paid on XXXX to begin with. Their excuse was they need a non XXXX card to preauthorize ( XXXX was booked with my XXXX due to complementary rental car coverage ). Chase bank refused to take my case seriously from the start, deciding the case against me without even reaching out for information. After I complained, they told me to put some info together but they still decided the case against me, even though I did exactly what they requested which was get proof from XXXX that they paid the merchant on my behalf. Then they promised a manager will call me back to arbitrate the case, but someone called one time, left a voicemail without any contact info, and never bothered to call back again despite me calling them multiple times to request a callback. Joke company chase needs to be sued for this.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Equifax and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; AND XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

On XX/XX/2022 I received a notification that the phone number on my chime spending account had been changed. I immediately called chime customer service number and explained it was not me who changed the number. While on the phone I requested my remaining funds be transferred to another bank account to keep them safe and I requested for my account to be closed. The associate agreed that this would be the safest option to protect my funds and he reassured my that there would be no issue. A week passes and the funds never show in my other account. I reached out to chime and they said that the account had been suspended due to unusual activity and for it to be unlocked I needed to send them verification from my other bank as well as other personal documents. I have done all of this and my account is still suspended and I do not have my funds. I would just like my money and the peace of mind knowing that the account has been closed. 

Chime reached out to me after my previous complaint and stated " On XX/XX/2022, we contacted you requesting a listed of documentation needed to have the account reenabled. The list has provided below for your reference : Your primary government-issued photo ID ( such as a Drivers License or State ID card ) OR Secondary ID ( Social Security Card or Student ID ) For security purposes, please also provide a photo of yourself holding your ID document ( selfie ) and a piece of paper with your name and today 's date written on it. Please feel free to contact Chime Member Services via email at support@chime.com if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' The next day I sent the the required documents to the email address listed and the account is still not unlocked and I still do not have my money. I want the account to be closed and money to be returned to me.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (TX)

I have received several emails that a Debit card account has created in my name in PNC bank. I have contacted the bank, and they didn't help verify that is it really happened or not. 

This is part of the email : Your Virtual Wallet is approved and open. 
Thank you for opening a new Virtual Wallet product. Here 's what's next : Debit Card : You will receive your Virtual XXXX XXXX XXXX XXXX soon via XXXX mail. It will arrive in a plain white envelope.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have wells Fargo Business checking account. I have written a check of {$1300.00} to XXXX XXXX on XXXX XX/XX/XXXX. Check was deposited on XX/XX/XXXX and reversed on XXXX XX/XX/XXXX. I called Wells Fargo last week to talk about this check... I was told that nothing like this happened. Today XXXX XXXX called me and told that check is rejected and she end up paying {$12.00} as check return charges to her bank ( XXXX XXXX XXXX XXXX. I called Wells Fargo today also at around XXXX XXXX... talked to XXXX... she told me it is rejected but why - she has no answer. 
Please refer the images... Wells Fargo is telling that it's some kind of forgery ... why Wells fargo didn't reached out to me if there was any issue? Moreover I have made the exact same payment to another person. It's embarrassing to see your business reputation ruined by such a shady bank like Wells Fargo. Can't accept this.
Consumer complaint received 2022-05-24
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-05-24
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: T.S. Holdings (FL)

Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. IQ DATA INT. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX  out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Consumer complaint received 2022-05-24
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. (TX)

I sent a dispute into XXXX, XXXX and Equifax disputing the XXXX XXXX XXXX XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account Number : XXXX
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2019 Portfolio Recovery Assoc Opened a collection Account # XXXX XXXX $ is what I owe Ive never signed a document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 
I dont know who they are and not written consent on my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three bureaus XXXX XXXX
Consumer complaint received 2022-02-07
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)

On XX/XX/2021 I submitted a dispute to Equifax stating Inquiries were Unauthorize and to validate 2 accounts I have no knowledge of! As of date I still have not received a response back to my dispute. I called all companies on XX/XX/2021 to investigate these accounts and requested verification and also as to date I have not received any further information about this very serious matter. As per FCRA 15 USC 1681i ( a ) company has 30 days to response to disputed items once letter is received also pursuant to 15 USC 1692g I never received notification of this alleged debt. Please look into this very serious matter.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION (IL)

I had a joint account with my mother for years to help her pay her bills. 
When she passed away, they closed the account shortly after I took in the death certificate without my knowledge. They said I had to establish another brand new account in my name. They would not let me look at any previous transaction that I made to the account for bills. I had her mortgage coming out automatically from the checking account. The next month I get a double bill from the mortgage company and a XXXX late fee. MY brother 's account is also listed, and checks were bouncing because they would not honor his checks. I have been to this bank more than several times to try and fix errors on their behave. First merchant bank in XXXX Illinois is a few miles away from me. 
I drove to XXXX Indiana 3 times to try and fix things. Either they want my ID or my brother ID which I have given them multiple times. The last event was they would not allow my brother to cash a check. I signed the check for him, but they said I must be present with my brother for him to cash it. They have my signature on file. He has cashed checks before without me being there. They are inconstant and will tell you anything that comes to mind when you call for help. I have been on the phone with them for many hours.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Procollect Services LLC (ND)

I received a document on Saturday, XX/XX/XXXX from PROCOLLECT SERVICES. The document states " A review of my account shows that I have not returned any calls or answered any letters, my account is long past due and has been assigned to their office for collection. They want to hear from me within 10 days to find out how I intend to pay the balance owing. It goes on " this is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. It is signed " PROCOLLECT SERVICES '' ( XXXX ) XXXX At the top it say RE : XXXX XXXX & XXXX. Account # XXXX. XXXX. XXXX : {$930.00}. 
Balance due : {$930.00}. 
They spelled my first name wrong. This morning, I called there and talked to " XXXX ''. I had a lot of questions. She said the debt goes back to XX/XX/XXXX and {$230.00} of the amount is late fees. I said I don't know anything about collections but aren't they supposed to send me the bills or call? She said notes show they mailed one in XXXX. I told her there has to be a mistake, we know our XXXX XXXX personally and he would have said something about this.I had a few more questions. Then she said she would call XXXX XXXX, I told her I didn't care what she said but I was going to talk to my husband, XXXX, he will go talk to XXXX, our tax man. 
XXXX talked with an assistant and was told this is a scam and to call and report it. Here is the information on this Collection company : PROCOLLECT SERVICES, XXXX XXXX XXXX XXXX, XXXX, ND XXXX. Phone : XXXX, toll free XXXX.
Consumer complaint received 2017-11-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Cars America Inc. (NV)

XXXX XXXX of XXXX, XXXX whom then became XXXX XXXX XXXX XXXX and Finally Sold out to Cars America located on XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Cars America Repossessed my XXXX XXXX XXXX on XX/XX/XXXX claiming that I was not supposed to leave the State with the car. I moved from XXXX to XXXX due to a Job Opportunity. XXXX XXXX was my only means of transportation. I was never told nor informed that taking the vehicle out of the state of XXXX was not allowed. 

Back in XX/XX/XXXX when I electronically signed the Contract, the Sales Manager at XXXX XXXX XXXX XXXX never disclosed the " no leaving state clause '' she was only INTERESTED IN THE {$3000.00} DOWN PAYMENT I had with me. 

I did not electronically signed anything specifically in regards to and/or acknowledging the " not leaving the state of XXXX '' clause. 

Also, they sold me a vehicle with FRAME DAMAGES ... ... in XX/XX/XXXX, my car was hit while unoccupied " hit & run '' and upon removal of the Right Front Fender it was discovered that the vehicle has FRAME DAMAGE when I informed XXXX XXXX XXXX XXXX they said that I should have check the vehicle before signing the contract.. how am I supposed to check the FRAME? They should 've never put this car for sale with FRAME DAMAGES as it is not allowed.
Consumer complaint received 2022-05-23
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. (TX)

XXXX XXXX ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. XXXX XXXX has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

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
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (GA)

PMAB , LLC is attempting to collect a medical debt from me at this time. I have stated that I refuse to pay this debt because at the time of service I had primary and secondary insurance. The original creditor did not charge my secondary insurance for all remaining charges owed. I should not have to pay this debt because the medical provider was negligent and also medical malpractice occurred during the time the services were rendered.