davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

Repeated calls from XXXX today Tuesday XX/XX/2021. Did not answer first call ( unrecognized ) but answered 2nd call thinking it might be something important. Then : Distorted callers voice seemed foreign. 
Caller insists " we can lower your Discover Card interest rate. '' I asked " oh really, for which card? '' ( WE DONT HAVE ANY DISCOVER CARDS! ). 
Caller said " you need to tell me card number. '' I then ( stringing him on to see where he would go ) said " you know, the one you called me about. '' Caller said " the one you have with a 6 and a 0 in it. '' I then told him to we don't have a Discover Card & take me off your spam call list, to which he said " I can't do that. '' I then hung up.
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (FL)

I have the debit card XXXX XXXXXXXX XXXX debit card. I deposit my weekly job pay check in that card every week for 3 weeks, because I'm new in XXXX are and not have bank account until now. also this pass week " Friday XX/XX/2021 I Deposit my paycheck. The company the XXXX XXXX XXXX XXXX using INGO company for cash check. After I did all the step they talk me to write VOID in my check and sent a pic. They cash it already with the bank. But I still no relied my money. I call every day, they talk me something different every time I called. This is unjust that in the situation we are this company play with my money. company name : Ingo Money Customer Service. Ingo Meny Inc. XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX. Phone XXXX.
Consumer complaint received 2020-06-01
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)

SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

On XX/XX/XXXX I received a notice that I had a new collection on my major credit reports from Medical Business Bureau. I initially thought this fraud because I am unaware of any unpaid medical bills in my name. I contacted the collection agency who informed me that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were charging me for a medical procedure I had in XX/XX/XXXX. They claim it is an unpaid balance from my insurance company. However, I never received any bills or calls from XXXX XXXX XXXX XXXX informing me of any debts owed. Its like they skipped contacting me for over 6 months just to send me to collections and try to ruin my credit. I think it is unfair and I want this collection removed from all my credit reports. All they had to do was contact me so that I could check with my insurance and pay if it was actually owed by this just seems fraudulent and misleading and I think this is an unfair practice.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

Hi! 

I keep getting phone calls regarding a company/ bank called Barclay . I have no idea what that bank is. So, I tried to reach out to them a few years ago, but they keep transferring me to different places. I dont know if they know what they are doing. I first notice my credit card score was declining and I have no idea why since I almost always pay my bills on time. Then, I notice a weird name on one of my credit card report Barclay. Thus, I believe my identify must have been stolen. How do I go about on resolving this issue since the company has not done anything about it and I keep getting bombarded with callers for debt collection? Thank you! 

-XXXX
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened a checking and saving account with Chase Morgan in Florida. Checking # XXXX. I am a XXXX and came to US 3 weeks ago and Chase told me my account was restricted and I can not access my money around XXXX  thousand dollars.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC, for committing identity theft. I have never given Jefferson Capital Systems , LLC, 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 aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Jefferson Capital Systems , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving Jefferson Capital Systems , LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Jefferson Capital Systems , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 Jefferson Capital Systems , LLC, 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 Jefferson Capital Systems , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I got a call 10 to 12 years ago from XXXX XXXX XXXX, XXXX that I owed something about {$5200.00} including late fees I told them I dont have credit card from Wells Fargo Bank and i hadnt live XXXX since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems XXXX didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.
Consumer complaint received 2020-12-01
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 (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I've been a victim of an internet scam through Wells Fargo online ATM ACCESS APP. On XX/XX/2019 three fraudulent ATM check deposit totaling {$800.00} was made to my account at a Wells Fargo XXXX GA branch location. 
These items was later returned and charged back to my account causing his account to go negative {$400.00}. 

However, I strongly believe that the loss/fraud could have been prevented had Wells Fargo Bank not choose to approved an EFT debit against uncollected funds.

The fact that Well Fargo placed the an extended hold through XX/XX/2019, on all three of the deposits in question, is evident that Wells Fargo was aware that the account may have been compromised or a victim of fraud.

There were numerous red flags that the account was clearly a victim of potential fraud.

( 1 ) The transactions was out of my normal account activities, ( 2 ) The  deposits was made at an XXXX GA branch location ... my account is base in California. 
( 3 ) The balance in the account at the time of the deposits.

( 4 ) The transaction type & amount.

( 5 ) No payee name on the checks.

( 6 ) I didnt signed the checks.

An extended hold is placed on an account for one reason and one reason only and that is to prevent possible fraud/loss. Had Wells Fargo complied with the extended hold as stated in the notice that was mailed to me, the EFT debit on XX/XX/XXXX should have never been approved. As my financial institution Well Fargo has failed to safeguard my account after being made aware of possible fraudulent activities being conducted out of state and has allowed my account be to further victimized. WFB also failed to comply with their own extended hold policy by approving the ETF transaction to be paid against unavailable funds. 

The hold notice clearly states that the total deposit was unavailable for withdrawals until XX/XX/2019. Theres no mentioning to the fact that an amount less than the total deposit was being held. Therefore no transactions should have be process through the account. Furthermore I did not opt into any type of overdraft program or Reg. E overdraft. 

No another note, on XX/XX/XXXX @ XXXX a Rep from Wells Fargo call my from XXXX #, being very accusatory, yelling and very unprofessional after I repeatedly told her numerous time that I did not made those deposits. Wells Fargo owes me an apology.
Consumer complaint received 2021-09-01
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-05-31
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. (AL)

I Disputed in XXXX, XXXX, and XXXX of 2020 with EQUIFAX and XXXX credit bureaus about verifying the account of XXXX  account XXXX XXXX. I asked for verification with XXXX account XXXX  XXXX, and I received no response from them all three times. Equifax and XXXX  replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I paid off my vehicle, in full, in XX/XX/XXXX. I called Chase Auto in late XX/XX/XXXX, a month later, to ask when I would be receiving the title to my vehicle. That was when they notified me that the title had been mailed out over a month ago, via standard USPS mail. The agent essentially told me that the title must have been lost in the mail and that I would need to go to the DMV here in California to apply for a new title. 

I asked the agent why they would send such an important document, such as a car title, via standard USPS mail, with no tracking, especially during a pandemic. The agent said it was " standard procedure ''. 

They then proceeded to tell me that if I wanted the title to be delivered with tracking, I would have had to call and request that, and pay a {$6.00} fee. None of which I knew, because I was never sent a notification, and this is my first time financing. I just assumed a bank as large as Chase would use common sense and have a shred of decency to mail it in a secure method. 

After my conversation with them, I went on to learn that instead of me having to go to the DMV, an obvious inconvenience, and have to pay a new title fee, CHASE could have applied for a duplicate title via US mail, however, that option was NEVER given to me when I called them. They were simply passing the buck to me. 

I called back again to explain this to them and ask why I was essentially lied to. The agent I spoke to, XXXX, was unhelpful and combative. So I asked to speak to a Manager, but was left on hold, purposely I suspect, for well over a half hour. 

Chase Auto Finance is the WORST. Mind you, I paid my vehicle off, in full, a year and half early. I also was never late, nor missed a payment. Horrible company. 

This issue is still ongoing and unresolved.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, i also spoken with XXXX on XX/XX/XXXX about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,. I did not authorize any of these inquiries. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen. I have attached my FTC report as well.
Consumer complaint received 2020-05-31
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: ALLY FINANCIAL INC. (TX)

I express to the dealerships that I did not want my credit to be run multiple times. I had written a letter expressing that I want the hard inquiries removed from my credit report which is impeding my ability to obtain a home loan. The company did not resolve my request. 

The credit inquires dates are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX
Consumer complaint received 2021-09-01
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-02
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. (IL)

Equifax, XXXX XXXX, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, equifax, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report
Consumer complaint received 2019-03-05
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. (DC)

I hired a flooring business called XXXX, XXXX to redo my floors. The project cost was {$14000.00}. The contract stated {$7000.00} upfront and {$7000.00} at the completion of the project. Halfway through the project XXXX due to negligence caused a flooding and used unauthorized building materials. When the management company of the building confronted them they abandoned the worksite. XXXX ran two more charges on my credit card for {$1600.00} and {$3500.00}. These charges were not authorized and a lawyer has determined that they are unlawful. Chase claims that because XXXX had my credit card number for the initial charges the subsequent charges are not unlawful. They also claim that it does not qualify as a merchant dispute as the merchant is not willing to cooperate. I had to hire another company to finish the project for {$5000.00} and XXXX caused approximately {$13000.00} in damages to the unit. The new company was called XXXX XXXX and they charged {$5000.00}. 

Chase has more than 40 pages of documentation including the contract, photographic images, invoices and estimates for damages, insurance letters etc.
Consumer complaint received 2019-03-05
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. (TX)

XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report.
Consumer complaint received 2020-05-31
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)

There is a charged off acct reported in my credit with XXXX  XXXX and I have sent several certified mail investigation requests to XXXX, XXXX, and Equifax and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit report.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ID Analytics, Inc. (NY)

XX/XX/2019 - Applied for a car loan through a dealership. Was denied. 

Received a letter in the mail ( dated XX/XX/2019 ) stating denial and showing credit score results. XXXX reflected a seemingly accurate credit score ( I have never missed a payment in my life ) but XXXX XXXX XXXX showed a poor credit score. 
A quick XXXX search reveals countless testimonies to XXXX 's low credit score reporting and their spam-like behavior.

Sought my own financing and found it easily through a credit union because my credit is, in fact, excellent.