davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

I was supposedly given a free subscription to equifax services from XXXX banking, as a result of their data breach. 

However, I can not log into the equifax system. I've been trying for days, and I always get the following message : We are temporarily unable to complete this request. 
Please try again later.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

Hello I have made in excess of 6 withdrawals from my Chase savings account in XX/XX/XXXX which is permitted under the legislation passed in XX/XX/XXXX for COVID-19 relief. Chase charges you for every withdrawal over 6 which I do not believe is permitted. I asked them to stop and they refused. They said the best they could do is retroactively reverse the charges.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (OR)

I did have direct deposit until all this stuff happening. I was overdrawn on my prepaid debit card by XXXX and with a {$15.00} fee it came to XXXX and with a {$20.00} order rush it came to {$130.00} which. Was taken out of my account when I received my oregon income tax refund of {$220.00} on XX/XX/XXXX then again on XX/XX/XXXX {$110.00} Was taken out again then another XXXX was taken again but this last one was taken off the registry but it was still taken not spend kept saying it's on there but not taken off. I finally got someone to go transaction to transaction to determine my actual balance and then when he realized I was right he hung up on me so netspend took out the {$110.00} out of my account 3 times so even though on XX/XX/XXXX netspend has the XXXX as a positive to my account but they took it out of my deposit on XX/XX/XXXX then again 2 more times and one of those times netspend erased from my register but in an audit it will be proven just be going through my account transaction after transaction to be technical this is not spend all access
Consumer complaint received 2017-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (KY)

Tried to dispute through credit bureaus and collection agency, illegally said debt was verified. Originally removed from  XXXX  credit report on  XX/XX/2017    then added back on  XX/XX/2017   . This action was a violation via FDCPA and FCRA for not giving me a  5 bu siness day notice that it will be reinserted on my credit report. This action damaged my reputation and credit score/report. Collection agency has failed to provide me with original documentation from original creditor with my wet ink signature. Copies of copies does not validate proof of debt owed. Original documents without my wet ink signature does not validate proof of debt owed.
Consumer complaint received 2020-05-21
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. (NC)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern at the following discovery account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to 3rd party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A checking account was fraudulently opened in my name with Bank of America in XXXX of XXXX There were several XXXX transactions that took place. I was never alerted of an account creation or transactions and was unaware of the account until I received a statement in the mail. I immediately contacted Bank of America and was informed it takes 90 business days before closure of the account but a hold was placed on the account. I contacted the checks system and activated identity theft measures through my credit card company. I also contacted all three credit bureaus.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

According to the FDCPA I am excercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm disappointed with the dismissal of my identity theft claim, citing an error or misrepresentation. This raises concerns about your authority to determine material facts. It's crucial to note that your role doesn't grant judge or jury powers. Following FTC guidelines, an identity theft report with a law enforcement agency ( FTC itself ) warrants a thorough investigationXXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. I'm offering XXXX final chance for you to address my request. Failing to do so leaves me no option but legal action.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

On XX/XX/XXXX, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of {$120.00} covering both myself and my wife which was included and paid to HSBC in XXXX check with each bi-monthly mortgage payment. A total of {$940.00} ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On XX/XX/XXXX received a cancellation notice from a Co. named XXXX XXXX XXXX. of XXXX stating that as of XX/XX/XXXX my policy would be canceled. Upon calling HSBC at XXXX, I was told that they transferred my policy to XXXX in XX/XX/XXXX, as they did not handle insurance since than and that I was notified of that change. I was never notified. In fact, according to there web site ( XXXX ), they still sell insurance. I have always sent my insurance payment included with my mortgage payment every 2 weeks to HSBC. I was never told anything different. This not the first time that I have had problems with HSBC. A number of years ago filed a complaint with the state of XXXX after I had filed for bankruptcy which did NOT include my mortgage. HSBC stopped automatic withdrawal of my payments ( mortgage and insurance ) from my checking account, stopped paper billing, denied me access to their web site and changed my account number all without notifying me. After some time the state was able to correct these issues and returned my good standing with HSBC, although I still have to arrange for my bank to send the bi-monthly payments including the insurance made payable to HSBC, which thy have accepted and cashed and continue to do so. I think that I may have been canceled because HSBC may not have been sending the payments to XXXX. I have talked wit XXXX and they will not give that info or a reason why we have been canceled. I have made payments every XXXX weeks since XXXX of XXXX. On a premium stand point, I should be paid way ahead as I am with my mortgage. This Policy was supposed to be like a nest egg to incase one of us died the other would not have to sell the house unless they wanted to.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

Chase sent me a letter dated XX/XX/XXXX that is an attempt to collect a debt. I called to verify that I was on a cease and desist list. I spoke with ID : XXXX and XXXX. XXXX confirmed that I was on a cease and desist list, but then asserted that they can still contact me. They attempted to transfer me to some random department to speak with someone. Speaking with anyone is clear violation of cease and desist. I am a victim of a crime and I'm receiving anonymous threats, Chase is harassing me and is not respecting my rights. They may be involved in criminal activity, and if they are it will be exposed during the trial.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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 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
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2024-01-22
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2022-07-15
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)

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which 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 XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$28000.00} ; Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-15
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-06
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. (PA)

I WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the following accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX  Balance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

When I opened my XXXX XXXX account, I noticed there was a credit card opened in my name from American Express. I have never applied for or opened a card with them and do not have possession of the credit card in question. XXXX XXXX informs me it was opened in XXXX XXXX XXXX It has never had any charges on it and it has a credit limit of {$8000.00}.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2022 I contacted Experian to remove incorrect information that Experian put on my Credit Report without my authorization. The incorrect information was a Fraud alert and a Notice alert. Customer Service did remove the Fraud alert but REFUSED to remove the Notice alert. She was being defiant and over talking me not listening to the fact that Experian ILLEGALLY put information on my report that was not valid and without my authorization. Since she REFUSED to abide to my simple and legitimate request, I had to raised my voice and demand that this Notice alert be removed. She stated that I needed to submit documentation that was irrelevant to this situation. I stated that I didnt have to submit nor prove anything on my end since it was Experian that ILLEGALLY put a Notice alert that contained information that was simply NOT VALID! 
The Notice Alert read This address may be perceived as a high risk because it has pertained to a 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. Experian assumed that my address is high risk with out any validity. As such it has cause me severe financial issues since I was denied from opening TWO Checking Accounts. This Notice alert is scaring future creditors away since they believe my mailing address is high risk and are afraid to send me mail there. This has been my address for XXXX YEARS and it is NOT high risk! I had all 6 of my credit cards sent there. Obviously, if this address was high risk I would not of allowed mail be sent There and I would of changed it! Experian has the audacity to put this IRRELEVANT AND FICTIOUS information on my credit report ILLEGALLY yet blatantly REFUSES to remove it! 
I asked the Customer Services Representative for a Supervisor since she was being so defiant. She put me on hold for and extended amount of time PURPOSELY only to then claim there wasnt a Supervisor available which was obviously a lie. Furthermore, she promised me a Supervisor would call me back within 24 to 72 hours which at the latest would be XX/XX/2022. 
In the meanwhile, I gave the Customer Service 24 hours to remove the Notice XXXX. As of today XX/XX/2022, 14 days later after contacting Experian, the Notice alert is still on my report and I have yet to receive a call back from a Supervisor as promised. I knew a call back wasnt going to happen. 
Furthermore, the XXXX inquiry from XX/XX/2022 is still on my report. Experian stated they can not remove it but never gave me a reason why. It is NOT mine thus needs to be deleted. Experian removed other inquiries that were not mine yet refusing to delete this particular one. As a premium member I am disgusted how poorly I was treated, completely unacceptable!
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this message finds you well. I've followed all the necessary steps to address the issues with the disputed accounts. I've contacted the bank, and they claim it's resolved. Law enforcement, through Identitytheft.gov, has validated the identity theft report. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, the ongoing impact of identity theft is causing significant emotional and physical distress, affecting both my personal and work life. I'm reaching out to the credit reporting agencies to ensure this matter is handled properly.