davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
( List down each account- Account name-Account number-balance ) XXXX XXXX ( Original Creditor : XXXX NXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX****Date Opened:XX/XX/XXXXBalance : {$1700.00} XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$110.00} XXXX XXXX  XXXX Date Opened:XXXX Balance : {$820.00}
Consumer complaint received 2020-06-03
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)

It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello! 
Most respectfully, It is stated that I am a professional XXXX. I do have a lot of International XXXX from different countries Nd i giving them assistance and XXXX them and getting paid from them on hourly basis so i got the paypal as the best and safest method for sending and receiving money. As I was a new user i didn't know about Paypal acceptable use if policy and they hold my {$420.00} XXXX Dollars for 180 days on XXXX XXXX, XXXX without any warning and Emailed that they don't longer want my business with paypal and i can not use it anymore. Even i referred Paypal to many students to pay me on this platform. On XXXX XXXX, XXXX I got paid from student around {$110.00} USD as friends and family and did dispute after that. I don't know why he did that and he blocked me and paypal took payment from me give him back and the total payment was of around {$300.00} USD and the student oaid me in 3 payments from different paypal accounts and after taking help he disputed all payments and paypal closed my account. It's only in sender hands whether they would like to oay as friends and family or with goods and services so what's my fault as he sent payment as friends and family and did dispute and i being a new user paypal screwed me up and closed my account and hold my payment and not even responding me. I am suffering a lot of headache and issues.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

I applied to Chase freedom unlimited card as of XX/XX/2021, under the impression that I will be receiving 5 % cash reward on groceries up to XXXX in the first year, as described in the website : https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. 

However, I do not see that information in my card reward earn section in my chase app. I called on XX/XX/2021, the customer representative instructed that the 5 % on groceries promotion ended on XX/XX/2021, so I am not eligible for this reward anymore. She said she checked with the team and is sure of this, after I asked multiple times. The line is recorded. 

The information about 5 % on groceries, however, is still in the advertisement on the official website. I feel falsely adversed.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-03
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: DISCOVER BANK (TX)

On XX/XX/2020, I received a notice of account closure from Discover Financial. Since I have never had an account of any type with Discover Financial, I was concerned. I called Discover, who verbally agreed to remove the account from my credit bureau report. I also pulled my credit reports and found numerous unauthorized inquiries, including some from Discover. 

Discover has not removed the fraudulent account from my credit bureau report. Instead, they are reporting it as closed by credit grantor, which hurts my creditworthiness. XXXX refuses to remove the account and the associated inquiries from my credit bureau report. In addition, XXXX has refused to remove other unauthorized inquiries from XXXX XXXX, XXXXXXXX and XXXX XXXX XXXX. This is unreasonable and has caused me harm.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX but not XXXX or Equifax and it dropped me over 30 points that it shouldn't have. And now equi and XXXX are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX OF 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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: OneMain Finance Corporation (NE)

There are fraudulent inquiries from XXXX XXXX in XXXX XXXX XXXX XXXX And XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX And XXXX XXXX XXXX On XXXX XXXX
Consumer complaint received 2019-08-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but Equifax and XXXX have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-07-08
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. (NV)

RE : DELETIONS TO CREDIT REPORT Recently, I discovered alleged accounts on my credit report for which I do not recognize. Pursuant to FCRA 623, I am demanding their removal. I have indicated the items below. 

Accounts : SOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. 

Thank you.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX Ally Bank sent me an email that I needed to update the information for my beneficiary. 

On XX/XX/XXXX I emailed through the bank 's website : " I received an email to update my beneficiary information. My only beneficiary is a charity. What do I need to update? '' On XX/XX/XXXX I received a response " Hello XXXX XXXX XXXX, Thank you for taking the time to contact Ally Bank. Your business is important to us and we apologize for the delay in responding to your e-mail. We are happy to assist you with your inquiry regarding the beneficiaries that you have on file with us. 

Thank you for letting us know about the email you received. At this time, we can confirm this email was from Ally Bank. The FDIC is requiring Social Security Numbers to be listed for all beneficiaries effective XX/XX/2020 this is not mandatory until this date. Ally will be accepting other forms of identification in the near future for non U.S. Citizens and other entities. Required document information will be released as Ally Bank receives further details from the FDIC. Should you choose not to provide this information, your beneficiaries will remain on your account, however, you may lose a portion of your FDIC coverage. We apologize if this does cause any inconvenience. 

We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you 24 hours a day, seven days a week. Our toll free number is XXXX ( XXXX ) or you can always visit us online at allybank.com. 

Sincerely, XXXX Ally Bank Customer Care '' On XX/XX/XXXX I wrote " XXXX, You obviously did not read my message. My only beneficiary is a CHARITY, which does not have a Social Security number. It has an EIN instead. Please confirm that you have the charity 's EIN on record. And please let me know immediately if you need any more information about my beneficiary. - XXXX '' I did not receive a response, so I repeated the email on XX/XX/XXXX. They have not responded.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc. (TX)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-08-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again.

I have sent a total of 16 letters between XXXX, XXXX, Equifax, XXXX XXXX and XXXX XXXX XXXX collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave EQUIFAX, XXXX, XXXX, XXXX XXXX, OR XXXX XXXX XXXX MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

They are contacting my number looking for another individual. I have told them that I have had this number for 12 years and do not know this individual. The number calling me is XXXX. I asked for a copy of their do not call policy and was told that they could not give me that information. When I asked, they said they were using an autodialer and that the company 's name was Transworld System , Inc.
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My car was broken into on XX/XX/2020, my wallet, along with my old drivers license and 8 credit cards and 1 debit card were stolen. I filed a police report with XXXX XXXX PD at XXXX XXXX  on XX/XX/2020. 
Officer : XXXX XXXX  XXXX Contact : XXXX XXXX XXXX Police Report # : XXXX My stolen Chase debit card was used at a XXXX gas station in the amount of {$43.00}, When I realized about unauthorized transactions in my chase account, I called up Chase bank on XXXX XX/XX/2020 to inform them of the theft and vandalism. When I initially called to report my theft, I was told that Chase will get back to me regarding the police report. No one from Chase bank got back to me to collect any further evidence. They investigated the charge and found that charge was authorized or valid and posted notice on XX/XX/2020. I am attaching pictures of : 1. My broken car pics 2. My car insurance claim filed on XX/XX/2020 3. An alert I received about a suspicious activity ( unauthorized transaction ) from a Chase credit card on XX/XX/2020 ( I called up Chase credit card services separately on XX/XX/2020 and asked for 3 replacement credit cards ) 4. An email from my building management alerting us of car vandalism in our apartment complex. 
5. The chase bank letter claiming the charge on my card was authorized
Consumer complaint received 2021-03-04
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. (FL)

This misinformation started back on XX/XX/2020 with Equifax. XXXX XXXX reached out to Equifax and verified that a Chapter XXXX was unverified and should be removed from my credit file. This has gone on long enough, every time I contact them about this it starts this process from the beginning but with the same results of its being verified but XXXX  XXXX states thats its not with documents that was sent to all three bureaus and me .By Law this unverified information should have been removed last XXXX, Immediately.
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

On XX/XX/2017 Progressive Management Systems began reporting a derogatory account on my credit for the amount of {$1000.00} that is not mine and causing me to have negative items on my credit file
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

On XXXX, I called Citi to cancel my account. Citi claims that they were unable to verify my identify ( despite me providing my security word, and other information ) and refused to close my account.