davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-28
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)

Im filing this complaint because after checking my credit report in XXXX I sent Equifax a letter with all the the information that did not belong to me along with proof of identification. 

ADDRESSES : XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX ACCOUNTS : DEPT OF XXXX XXXX XXXX {$1600.00} DEPT OF XXXX XXXX XXXX XXXX {$2200.00} DEPT OF XXXX XXXX XXXX {$3700.00} HARD INQUIRIES : XXXX  XXXX XX/XX/2021 XXXX & XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 They have completely ignored my request and have removed anything from my credit report. Nor have they responded to any of the mail I have sent them on more than one occasion. 

Can you please have them update my credit report with the correct information. I filed a new FTC report because I could not find the old one. 

when I spoke to representative of Equifax they let me know that I needed to attach that affidavit to this complaint.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

Credit Collection Service, placed this Collection on my credit report without sending me a 5 day notice. I never had I opportunity to investigate what this debt is all about. Show proof you sent me notice however I know for a fact I never got anything in the mail. This collection must be deleted immediately. 

Account : Credit Collection Service Account : XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (DE)

I am writing to file a formal complaint against SWC Group regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$120.00}. I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

CREDIT COLLECTION SERVICES is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to XXXX XXXX XXXX and XXXX XXXX 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CREDIT COLLECTION SERVICES ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans union is the company I am writing about. My W2 form went missing in the mail so I froze my credit. The other 2 companies I contacted froze my credit immediately.. But trans union is non responsive to anyone. A company whos sole job is to protect peoples credit and identity who is impossible to get in touch with is unacceptable. 

Thankfully I resolved my issue ... but if you go on their twitter page, you will see lots of frustrated people who get ignored. 

Peoples identity and livelihood are at stake. This company, Transunion, are not taking their role and jobs seriously. This company should be held accountable. Please get back to me if you have any more questions. 

Try to freeze your credit online or over the phone and you should see what I am talking about.
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

I had identity theft earlier this year which resulted in someone opening a XXXX utilities acct in my name in XXXX. I do n't and never have lived in XXXX and have never opened an XXXX account. I live in XXXX and have my own utilities account. I 've lived here since I was born in XXXX. I did everything XXXX said to do : Filed FTC report, Filed a police report ( XXXX ), filed credit report disputes, etc. In XXXX XXXX from the XXXX theft dept told me they would send it back to collection if I did n't file and fax them a police report, so I did. That was the final document they needed. I did that and they do n't dispute that I did it I did everything they asked of me.That was almost 3 months ago and never heard anything from them until today I got a call from a totally different collection agency ( Mercantile Adjustment Bureau ) and now XXXX is telling me they wo n't cancel it unless I get something notarized. I have spent countless hours with XXXX doing everything they said, they 've been rude, hung up on me, left messages for supervisors that never call back, I 've calied, called, called and talked with countless people. I was told once I faxed the PR that it would be behind me and it was until they sent to another collection agency. They know it was identity theft and I feel they are harassing me now. Please can someone help me with this?
Consumer complaint received 2024-03-13
Product: Credit 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. (CA)

Booked a cruise with XXXX XXXX XXXX  with a deposit of {$200.00}. I was told on the phone that as long as I cancelled cruise by XXXX that the deposit would be refunded. I cancelled on XXXX but never got my deposit of {$200.00} back. Chase is refusing to credit me back
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Radius Global Solutions LLC (IN)

Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I never applied for or ask for or paid for a credit card from capital one or XXXX I have never used XXXX in my life or capital one I have never lived in XXXX XXXX or visited all three of these items are on. My credit report I have been trying to change the XXXX XXXX lie on my report for over ten years my sister stoked my Id and has been using it over 20 years I also never ask for any cell phone from XXXX XXXX  I have lived in XXXX for the 8 years we dont even have XXXX XXXX in XXXX XXXX XXXX is my sister who stole my identity she lives in XXXX XXXX XXXXXXXX XXXX XXXX XXXX she is behind these credit cards on my report and XXXX XXXX and she is the one who lived in XXXX XXXX for over 20 years not me I need my credit report corrected please
Consumer complaint received 2022-08-14
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: U.S. BANCORP (CA)

In XX/XX/2022, i purchase 4 tickets to an even in XXXX XXXX for XXXX. ( XXXX XXXX weekend ). On multiple occasions i have contacted XXXX XXXX requesting my tickets be delivered to me because hotel arrangements had to be made to travel .I never got the tickets ( XXXX XXXX did verify that i never got them ) and few days before the event i made a phone call once again saying i don't have the tickets, There was an issue with third party seller and they advised to make a claim with my bank. I called U. S Bank credit card and made a claim. They told me i will be issued a temporary credit until the investigation is done, in the meanwhile to wait for paperwork for US Bank that would need to be signed. I waited about for a month, called U S bank saying i didn't receive the paper work. They verified the address and said to wait for another set. Never received it and called again telling them i need to have the paperwork sent to me again. After multiple attempts U.S Bank supervisor said the case is closed because they have not received a signed paper from me. I have pleaded explaining that I've been calling because i have not received the paperwork to offer another way of delivery and they denied the help because by then it was passed 60 days and the case was closed and to take it up with the merchant.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Direct Capital (TN)

XX/XX/20 Identified himself as XXXX XXXX Fraud & litigation division a XXXX XXXX XXXX. Processing a claim against ( quotes a last four of social security number and FULL DOB. ) Suggests person or their attorney calls him back immediately. XXXX XXXX XXXX extension XXXX. Called from a XXXX TN number XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (FL)

At XXXX EST on XX/XX/2024, I received an email from Wells Fargo stating that my credit card had been turned on as requested by me by phone. I never requested my card to be turned on as I leave it locked. I called Wells Fargo at XXXX EST ( on the same day that I received the email ) and reported the situation. After being on the phone for almost an hour with the Account Takeover team, after demanding that I speak with a Supervisor ( she said her name was XXXX XXXX, I explained my situation and was told they would " look '' into it. However, I wasn't given any confirmation or case numbers that could assure me this situation is being addressed. My concern is that someone was able to access my banking information and Wells Fargo did not follow proper protocol to verify my legally protected personal identifiable information. I told them that they were supposed to record all conversations and verify me by sending a code to my cell phone to confirm my identity. There is no way this protocol was followed and I need a full investigation into what and how this happened ASAP.
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-09
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

Man by the name of " XXXX XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through XXXX. He used tactics such as illegally trying to persuade me that he was speaking to XXXX as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NC)

XXXXW credit system has marked a collection account against my credit for an account that I have previously requested proof of debt. When disputed online through the XXXX credit systems they removed the collection and then added it back onto my account months later without a notice. However I tried to use their online system to find my account as I don't have an account number it is based off my birthdate and last XXXX of my social it is telling me that an account can not be found. How can that be if they have it listed on my credit report. This is a direct violation against my consumer rights on multiple offenses and I am requesting this to be removed immediately. Attached is a screenshot of their own website stating I do not have an account
Consumer complaint received 2020-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024 around XXXX I made a cash deposit of $ XXXX XXXX with {$100.00} denomination at a CHASE bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inserted my debit card, put in my pin # and inserted the cash at the ATM machine outside of the branch. The ATM sounded like it counted the money, as this was happening the ATM malfunction and it gave me an error saying to call to the bank phone # in the screen to verify the money was deposited correctly, the ATM did not provide a receipt. I called and had to submit a claim as they stated they did not see the deposit. I returned the next morning to the branch and one of the tellers advised me not to worry, that once they counted the money from the ATM they would see they had my XXXX extra. Still had me to call the # again and submitted another complaint. Today XX/XX/2024 I received a letter staying my transaction had been processed as I stated but they were not going to make any adjustments to my account. I called again to ask why the money was not posted on my account and they responded that the claim had been denied. And they will request to research again. It feels like they are not intended to return my money back.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account Name : 1st Franklin Financial Account Number : XXXX
Consumer complaint received 2024-03-12
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: JPMORGAN CHASE & CO. (MI)

I called Chase bank regarding a hard credit inquiry on XX/XX/XXXX about an inquiry dated XX/XX/XXXX that was fraudulent. I called again on XX/XX/XXXX and it still wasn't removed. Does the CFPB actually do anything? or, just another waste of taxpayer funds? I need to know who oversees the CFPB, because I'm concerned about what it is that you actually do.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Payment with Chase credit card was due on the XXXX. I scheduled the payment for the full statement balance on the XXXX. I received a confirmation email, and inside the app it still shows the scheduled payment for the XXXX. On the XXXX, it now shows that Im past due, have a late fee attached to my account, interest being accrued on an incorrect balance. All attempts to reach anybody at customer service have had the automated system hang up on me. I need to know if a payment needs to be rescheduled and get the fees and interest waived, but cant contact anyone.
Consumer complaint received 2022-08-14
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. (FL)

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. XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.