davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Self Financial Inc. (IL)

Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in XXXX XXXX XXXX ) and as a Result was extended credit in a consumer credit sale by this organization. The XXXX is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes XXXX. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a XXXX XXXX of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the XXXX. They are Violating my Trust within the banking system and this is causing me Reluctance when doing XXXX with other banks & XXXX institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit XXXX as well as my consumer Report and Reputation.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (IL)

Hi I am XXXX XXXX, Im making this complaint against Frontline Asset Strategies for identity theft. I have never given Frontline Asset Strategies any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Frontline Asset Strategies can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and Frontline Asset Strategies. continues its collection efforts, I will file for litigation for actual damages caused and Frontline Asset Strategies will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2017-08-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

Equifax has reinserted an account on my credit report without a 5-day notice which is against the FCRA. The credit bureaus must notify you within 5 days of the re-insert date. Equifax has continuously done this on my credit report and its greatly affecting me and my credit. I 've attached the re-reported account to this complaint. On XX/XX/2017, I discovered XXXX XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

I, file this Complaint against CitiBanks ( Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ) to recoup from them my funds totalling XXXX XXXX XXXX ( {$31000.00} ) US Dollars. On XX/XX/2022, I deposited to XXXX XXXX Account ending in # XXXX my funds totalling {$31000.00} US Dollars via two separate ACH transfers that have not been returned yet, despite my repeated demands to do so. CitiBank subsequently froze, held, and closed my XXXX XXXX Account ending on XXXX, without explanation, notice, or consent. As of todays date, CitiBank has not refunded my funds, and has not notified me verbally or with a writing detailing : ( A ) the whereabouts of my {$31000.00} US Dollars held in CitiBank Account ending XXXX on XXXX & XXXX, ( XXXX. XXXX - XXXX XXXX & XXXX, Acct # ending XXXX. ), ( B ) the reasons for closing, freezing, or holding my account ending in XXXX without my notice or consent, and/or ( C ) when the funds will be returned to me or what transgressed with my monies. Over two dozen occasions, I have directly spoken with multiple CitiBank representatives over the phone and even visited their XXXX Connecticut XXXX in person to no avail. I have also tried to file a dispute on their Dispute Center, but I am not allowed Log In access to do so. For these reasons, I submit this complaint to aid me demanding on my behalf the immediate refund of my {$31000.00} with all interest accrued to date. 

As follows are the ACH Transfers for the unreturned funds : XXXX - XXXX XXXX XXXX XXXX for unreturned funds : File ID XXXX Individual ID XXXX XXXX # XXXX Ex. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for unreturned funds : Company ID : XXXX XXXX XXXX XXXX Web Individual ID XXXX Control # XXXX Ex. XXXX, XXXX, XXXX I kindly ask that Consumer Financial Protection Bureau intervene on my behalf to help me obtain a full refund of my deposits plus accrued interest earned to date. 
Thank you in advance for your help. Please contact me with questions related to this complaint.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

I went into chase bank and XXXX XXXX  early today and they denied my ability to open a new account ( representative payee account for my sons XXXX back pay. My chase account was shut downs years ago due to inactivity because of hospitalization. I didnt have a negative balance on the account. I also had a XXXX years ago but it was shut down, but I cant remember the reasons because I was young and very unaware, that to this day it will haunt me because of past accounts and not all due negative balance. I dont belong on this list. I need help.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this year- XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking credit acceptance. This is against the FCRA regulations.
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. (FL)

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-02-07
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. (AZ)

I would like to report Chase I applied for chase XXXX credit card. They have an offer that we can spend {$15000.00} and get a XXXX  free night with a card membership year. But last year, they change it to that we need to spend {$15000.00} in a calender then I can get a free night. And this will also be reset in XXXX. But I still finished spending {$15000.00} in XXXX and I had screen shot to prove that. However, when I ask for this free night. They have so many excuses and play around all the time. I wish you can help me with this. Thank you!
Consumer complaint received 2022-05-23
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. (TX)

FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Collection account. {$6.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-18
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. (FL)

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
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

XX/XX/2022 : Assestcare LLC furnished negative information on my credit report without first notifying me a the consumer violation 15 usc 1692 ( f ) A dispute was filed more than five times online with XXXX yet a proper investigation failed to happen until XX/XX/2022. 
XXXX : the first dispute was filed online report # XXXX My XXXX  score also decreased by XXXX points XXXX : ASSETCARE dispute was updated. improper investigation was made. Repport number XXXX the account remained on the credit report XX/XX/2022 ASSETCARE LLC re-aged and re-polluted my credit report by removing then resubmitting the same account. 
XX/XX/XXXX : account was once again re-aged and re-polluted as ASSETCARE flagged my account for collections, still denying me a proper investigation A letter went out on XXXX and again XXXX for a re-investigation request. At this time i also disputed this online but since XXXX has removed the disputes and their reports to remove their liablilty from this situation. 
On XX/XX/2022 Another dispute was updated. report number XXXX the date this dispute was filed is now missing or deleted. 
On XX/XX/2022 : another dispute was filed online report number XXXX On XX/XX/2022 the dispute was updated and remained on my consumer report. report number XXXX This was continued with many of the disputes missing or deleted. Report number on XX/XX/2022 XXXX is proof of that. 
Assetcare llc has private medical information which is rather embarssing against me and my minor child which they have attempted to use as a way of extortion unsigned affidavit included below In total this company has violated 33 of my rights which totals to {$85000.00} not including damages or distress.
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. (OH)

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. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX Account Number : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. XXXX XXXX Account Number : 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 instruction 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 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

I have asked this debt collector to provide real signed documentation that i dentifies me as per a promissory note signed agreement, original application, evidence that I opened this fake account, terms and conditions in truth in lending discosures. signed sales receipts?
Consumer complaint received 2022-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/20XXXX XXXX  # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX XXXX XXXX XXXX report. I have attached documents to verify my identity
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 status incorrect
Company: ALLY FINANCIAL INC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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. (CA)

I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have XXXX 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

i have an account with chase and my account became inactive so i call and they told me to send a fax requesting to activate my account again and i did i send the fax on XX/XX/2021 but still dont see help now they want me to step on a branch but im in XXXX  and theres no way for me to cross back to USA
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. (PA)

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 XXXX XXXX XXXX. 

XXXX Accounts # 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 XXXXXXXX XXXX XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, as 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 instruction.

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 and any other adverse items 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.