davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
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. (FL)

I was informed that my student loan fell under the Cares Act law which went into effect XX/XX/XXXX and were scheduled to expire XXXX XXXX 2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with Equifax, XXXX and XXXX. This is illegal considering the cares act law.
Consumer complaint received 2020-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

" PNC has made a change that prevents you from being able to link your accounts '' This change is keeping me from using my main source of funding to fund money market accounts. It is interesting that they say they do this for security, when they will allow your account to be connected to crypto-currency exchanges, but not an investing platform such as XXXX. This is hindering my ability to participate in the free market, and there is no reason for this restriction to exist as other banks perform these duties flawlessly.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

On XX/XX/2021. I sent a notarized letter and affidavit of truth, certified all documents. THD/CBNA failed to reply and validate the debt of the account on my credit report. As a consumer my rights have been violated. My social security number and personal information has been shared with this company. I did not give THD/CBNA any consent or authorize any accounts with them. According to 15 USC USC 1692 the debt must be validated. Without any validation with the 30 days, the debt must be removed immediately.
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC (MS)

I initially contacted this company in XXXX of 2020 requesting this company to send me validation of the alleged account. The company has not replied in 60 days. This is a violation of my privacy rights, the FCRA, and the FDCPA.
Consumer complaint received 2022-08-02
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. (LA)

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 my wife drew a {$5000.00} check, no. XXXX, payable to XXXX for my life insurance policy premium, and drawn on our joint checking account at JPMorgan Chase Bank , N.A . ( Chase ) XXXX XXXX XXXX, XXXX XXXX  NY XXXX. My wife mailed this check to XXXX that same day, but the check was apparently stolen from the mail. 
We were unaware of any problem with this check until we received a XX/XX/2022 letter from XXXX to me, advising that We have not received your annual premium payment that was due on XX/XX/2022 and that my life insurance policy had therefore lapsed. I verified that check no. XXXX, including an image of the front of the check only, did appear on our most recent Chase statement, but XXXX insisted that it had not received payment. 
I therefore ordered a front-and-back image of check no. XXXX from Chase. On receiving a copy of both sides of the check, I noticed that the back was endorsed with a scarcely legible signature, XXXX XXXX XXXX, or something close to that. It was not endorsed to the payee on the front of the check, XXXX. 
I showed check no. XXXX to Chase XXXX  XXXX XXXX XXXX, at the branch at XXXX XXXX XXXX, XXXX XXXX  NY XXXX, on XX/XX/2022. XXXX XXXX agreed that the endorsement was a bad forgery and added that he did not understand how the check was ever accepted in the first place. He said I would receive credit within 90 to 120 days and asked me to fill out a Declaration of Unauthorized Endorsement or Altered Item, which I did. 
It has now been 120 days but I have received no credit, and only further evasion, from Chase. XXXX  a XXXX from Chase at XXXX ext. XXXX told me, falsely, that Chase was not liable for the check and that my only remedy was against the depositary bank, reportedly XXXX XXXX  in California. He also told me that Chase was pursuing XXXX XXXX, and asked me to wait another 90 to 120 days while it did so. XXXX admitted that he could not tell me when, or whether, I would receive credit for the altered check. 
Chase has no excuse for debiting my account for a stolen check that was not endorsed by the payee or even in the name of the payee. Ultimate liability for the stolen check may be with XXXX XXXX  but Chase is liable to me for the {$5000.00}, with interest. I respectfully request that the CFPB order Chase to pay me this amount.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Avant Holding Company, Inc. (TX)

I received a card in my name at my address. It is from Avant and has not been activated. They said they would send it to the fraud department, but all in all it didn't seem safe and secure. It says the card is for a limit of {$300.00} and has XXXX fraud liability for unauthorized charges. Says it is issued by XXXX.
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I received notification that a collection for an amount not owed was placed on my credit by Hunter Warfield. In XX/XX/2015, my wife and I were looking at moving to XXXX from XXXX and we reached out to XXXX XXXX XXXX. XXXX was the rep, and she told us that they had an apartment that might meet our needs that would be coming up. We had specific concerns due to having dogs and we were not familiar with the area. We were told that she could hold the unit for us for a period of 10 days if we filled the application and paid a {$99.00} application fee ( please see emails below ). We paid the fee and came out the week before XXXX. We were not happy with the unit and decided not to move forward. We told the agent that same day but followed up with XXXX on the XXXX. We never heard anything afterwards until we received a letter from Hunter Warfield. We never signed a lease or agreed to anything beyond the application. Hunter Warfield has not sent us any proof of the debt other then invoices from XXXX XXXX XXXX. The invoices were created weeks after we decided against the apartment and they weren't signed by us. The email that I will attach will show that at no time were we told of any fees other then the credit application fee of {$99.00} that we paid. 

The only proof that Hunter Warfield provided us after we disputed this was Internal Documents created by XXXX XXXX XXXX XXXX. Most were created weeks after we decided against the apartment. I have attached all the documents that Hunter Warfield has provided us with and none of it was agreed to before hand. Hunter Warfield claims that they don't have to prove that we agreed to the charges. They simply wouldn't remove the debt because their client want us to pay this amount even though we didn't agree to it.
Consumer complaint received 2022-12-14
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. (LA)

This account is ilegally reporting on my credit record, This collection is violating my privacy and the HIPPA Law. I would like for this collection to be removed from my credit record within 21 days. Thanks
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$27000.00}, and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$8100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX XXXX, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX, XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with First USA Bank, which is now owned by Chase. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX  XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the XXXX XXXX and she was very rude and would not provide any information on rectifying this situation.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

I received a alert/notice from Equifax to enroll for XXXX   IDnotify monitoring service, as Equifax is collaborating ( transition ) to XXXX this subscription. I promptly contacted BOTH companies via email and customer service numbers provided and neither were able to provide the process or means to register for the solicited monitoring service. Both dismissed the solution to registering for the monitoring service ( ID notify ) at no charge for 2 years.

Several Federal issues for compliance are violated when an offer is extended and detail/means to transition are not specifically disclosed or available ( particularly when a live person and chat program are used in the communication ). 
A total unethical environment is associated with Equifax ( legal issues are massive ), and it seems XXXX is now in association! 

I want to register for this solicitation/offering!
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

IC Systems contacted me, claiming I owed a debt to XXXX. I submitted a written request for a copy of the original debtor 's agreement, and stated that a bill generated by a purported creditor alone would not suffice as proof of a debt incurred. That any entity can generate a bill, and the creditor MUST produce evidence of agreement to enter into a creditor/debtor relationship in order to validate the claim of a debt owed. Despite my request, IC Systems simply and solely provided a copy of a bill from XXXX dated XX/XX/17. The bill indicates a " Previous balance '' of {$23.00}, with {$0.00} payment received, and " New Charges '' of {$20.00}. No payment was received because no agreement between myself and XXXX ( or XXXX ) exists. In short, I did not sign up for their service, I did not agree to be indebted for their service and I do not agree to pay for their unsolicited service.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have multiple late payments with XXXX XXXX XXXX. I contact the company to remove this late payment. I have late payment for XX/XX/2020 and XX/XX/2020. This late payments are preventing me from obtaining credit in my name. The account number for this account is XXXX.
Consumer complaint received 2020-08-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I am having multiple issues with Navient. To include harassment, falsely reporting to credit bureaus, not offering any payment plans, and unwilling to work with me. I have attached documentation further detailing this matter. It has been going on for over two years now.
Consumer complaint received 2022-08-02
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. (LA)

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: EAST WEST BANK ()

I was contacted by XXXX XXXX XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in the XXXX where I reside. I now understand that XXXX XXXX   XXXX does not have the ability to provide segregated accounts for investment purposes. 
After that i contacted XXXX company to help me out of this problem.
Consumer complaint received 2017-11-09
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. (AL)

Equifax keeps adding a chapter XXXX debtors court to my file and verifying this information came from XXXX XXXX which is n't true. This file has been taken on and off my credit report numerous times causing me duress.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have never received any money nor did business with Portfolio Recovery. Ive constantly been harassed and stalked by this company. Ive reported them several times with the credit bureaus and nothing has been done to stop them. Please Help
Consumer complaint received 2022-08-02
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX  NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$27000.00}, and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$8100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-08-09
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. (NC)

I previously sent three letters to Equifax letting them know that I am a victim of identity theft and also the suspect XXXX XXXX had a fraudulent driver 's license create it in my name and she's currently locked up for identity theft and mail fraud Equifax has deleted everything else except for the XXXX XXXX XXXX fraudulent account.
Consumer complaint received 2020-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

hi my name is XXXX XXXX, someone on the app XXXX sent money to my account on accident Ive told chase numerous times to send their money back, I am not aware of this persons contact information or who even they are. They never sent the money back to the sender which resulted in the person placing a claim on me and having my account on hold for 2 months I need to pay rent Ive stressed this to them many times if they could just send the money back and unfreeze my account. Im taking care of my XXXX siblings due to corona weve been stuck.. and my last savings are in there chase hasnt been help at al every time I ask for help they turn away their heads.
Consumer complaint received 2022-08-02
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. (PA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft 09 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

Discover is reporting an account on my file that I do not recognize. I recently took a look at my credit and noticed there is an old account there that it says I'm an authorized user on. I do not recall ever being added as an authorized user and this account was not put by me.You have nothing bearing my signature. This needs to be removed.