davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CA)

Today I received in the U.S. Mail a letter dated " XXXX/XXXX/XXXX '' from " XXXX '' with a copy of my " XXXX '' credit report. Under the " Adverse Account '' section, there is only 1 false/Identity Theft listing. It is from a debt collection agency called " Enhanced Recovery Company , LLC. " ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; ( XXXX ) XXXX. It claims that I owe " XXXX XXXX. $ XXXX. '' I have NEVER used " XXXX '' I 've had " XXXX '' for the last 22 consecutive years. I am a victim of Identity Theft. And this is the exact same company that unlawfully posted the exact same adverse information on all XXXX of the major credit bureaus ( i.e., XXXX, XXXX, & XXXX ) around XXXX of XXXX before being ordered by the same XXXX credit bureaus to " Delete '' this intentional false/Identity Theft " XXXX '' debt scam that this company has been allegedly running. When I called their toll free phone number, their company 's rude telephone operator just told me " ... just pay the $ XXXX, fool! ... ''
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I made a purchase of a cashier 's check from my bank account on Chase by XXXX/XXXX/2015 to pay my move in fees in a new apartment located at XXXX. The amount debited from my account was US {$6400.00} and the check number was XXXX. On the other hand, last friday XXXX/XXXX/2015, I received a 30 days notice to vacate the premisses because the landlord told the check was fraudulent. I went to speak with the representant by the lease office and she told me the amount on the check was different than the amount generated. I went to Chase and the banker told me a problem happened and would take up to 10 business days to send the money back to my account. This is unreal and now not only my reputation but my integrity are burned in the building I just moved. By the lease office, the lady told me they could n't even deposit the check. I need a solution ASAP.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

T o whom it may  concern Dear  Sam club and  synchrony bank I  XXXX   XXXX  want to tell you and inform you that I am not happy with your decision of lowering my credit limit I did not authorized you to do so. But you still went ahead and keep on dropping it  Lower  and lower every time and that unacceptable. I do n't agree with ur decision. You did not contact me to talk about it. Or mail me until when you took your own decisions and never contacted me to see my options. S o fat I been g ood and keep making my payments I understand have used almost all my credit limit but hey I 'm still paying you every month so I think regardless you should not have lowered my limits. Twice already the first time I met it go bit this is insane you done it again. I want an explanation?. Why did you took that decision without consulting me. I did not wanted you to lower my limit or keep lowering it down please stop doing it. It does n't give u the permission for you to keep doing it at the end I 'm making my Payment. So what 's the problem.??? I never aut horized or accepted from you to lower down my limits. I mean I 'm still paying it even if I still used my card u still getting paid monthly payments even of its the minimum amount im.still your client. I do n't agree and would like to ask you to put all that  money back. I never agree with ur decision. It make me feel rejected left behind and at some.point discriminated. Dissapointed. I do n't want to ask for an increase now because my score is a bit lower than what it was before but regardless of my credit history and score. It should affect me since I agreed to the terms and conditions of this credit card under contract. Now you understand that if I do ask  XXXX  club synchrony bank they might denied me, but this should even had to happen why did you lower it in the  1st p lace. Even if I 'm making just Tue minimum payment im still paying u.   Please fix this mess. And give me back everything like my credit limit was before  XXXX
Consumer complaint received 2017-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OH)

In XXXX, when the XXXX XXXX XXXX XXXX program started, I called Great Lakes and asked if my loan consolidation qualified for this program. I explained that i was employed in XXXX XXXX since XXXX and wanted to be sure I was eligible for this forgiveness program in 10 years when I could apply for it. I was assured that I was definitely qualified that all I needed to do to qualify was to have a consolidation, which they informed me that I had the consolidation done in XXXX and that I would be fine and able to qualify for the forgiveness. At some point XXXX acquired my student loans. This year in XXXX, I applied for the public service student loan forgiveness as I made my payments on time every month for the past ten years and remained in full time public service. I promptly received a letter telling me that my loan consolidation did not qualify for this public service forgiveness. I am thoroughly enraged about this and believe I was misinformed by Great Lakes about the type of consolidation and eligibility for the public service forgiveness. Now, I have another five years to pay on this loan or more to have it paid off.
Consumer complaint received 2022-08-04
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (NJ)

Perfection collection received a certified letter from me in   XXXX   of 2015   stating that my signature and initials were falsified by  XXXX  representative and that unless they could prove to me that the account was mine within 30 days they are not permitted to report this account to the credit bureaus. Perfection collection ignored this letter, illegally reported the {$3600.00} and have still not followed up with any communication proving my ownership of account.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NJ)

chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me
Consumer complaint received 2015-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

My father went to the ER at XXXX XXXX XXXX XXXX in XXXX TX. The hospital registration erroneously thought I and my father were the same since we have the same basic names- XXXX XXXX XXXX although I have a XXXX name which is XXXX XXXX My father was n't able to pay some of his bills since he does n't have insurance. Unfortunately the hospital used my SS # and assigned it to my father 's account. This was sent over to the collection agency PROCOLLECT. Since it 's my SS # my credit report and score are now adversely affected. I contacted ProCollect and even sent documents so they can change the SS # to my father 's but they refused to help me. The account manager, XXXX, even accused me of taking over my father 's debt, saying I am now responsible for it. I did not sign any paper to assume my father 's debt, and XXXX could n't produce XXXX. I have contacted the hospital too, they sent me a letter apologizing for their mistake. Their business office, according to them, has contacted ProCollect so they can correct the error and XXXX the hospital assured me that ProCollect promised to fix the error which has not happened. 
I am writing to please beg and implore to help me with this situation. I can still open new credits but with less favorable terms. I want to shop for auto and home insurance but I get less favorable quotes because my credit score plunged from XXXX to XXXX. All I 'm asking is for ProCollect to change the SS # on file on my father 's record from mine to his since the debt in question is not mine. Until this day they refuse to do so and I am being punished for something I did not do nor obligated to settle. I will attach documents as soon as I know how to do so. Thank you very much
Consumer complaint received 2015-05-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (TX)

I WAS ASSESSED ATTORNEY FEES ON XXXX/XXXX/15 {$11.00} & {$150.00} ON XXXX/XXXX/15. 
WHEN I CALLED THE BANK ON XXXX/XXXX/15 I SPOKE WITH AN XXXX XXXX FOR AN HOUR, WHICH TIME HE TRIED TO TELL ME THE BANK HAD MADE A R.E. TAX PAYMENT ON MY BEHALF, WHICH IS TOTALLY FALSE AND EVERYTIME I TOLD HIM THIS HE GOT MORE BILIGERENT WITH ME TELL ME THEY DID. I EXPLAINED TO HIM THE CITY OF XXXX, ME. WOULD HAVE TOLD ME THEY RECEIVED A PAYMENT AND THE BANK WOULD HAVE ADDED IT TO MY BALANCE. FINALLY AN HOUR INTO THE CONVERSATION HE ADMITTED THE BANK DID NOT MAKE ANY PAYMENT ON MY BEHALF. WHEN I ASKED THAT HE CREDIT THE FRAUDULENT ATTORNEY FEES HE JUST SAID NO AND THATS THAT. I ASKED FOR ANOTHER NUMBER TO CALL AND HE REFUSED TO GIVE ME ONE UNTIL I THEN SAID I WOULD CONTACT XXXX & XXXX ATTY GENERALS OFFICE. I NOW CONTACTED XXXX XXXX AT THE XXXX RESOLUTIONS OFFICE, WHO TOOK A BRIEF STATEMENT FROM ME AND SAID SHE WOULD NEED ABOUT A WEEK, AT WHICH TIME SHE CALLED WANTING COPIES OF MY CANCELLED CHECKS FOR MY TAXES, WHICH I PROVIDED. SHE THEN CALLED BACK AGAIN SAYING I PAID ON XXXX/XXXX/15 BUT THE TAXES WERE DUE XXXX/XXXX/15, FOR WHICH I EXPLAINED THE CITY OF XXXX, ME HAS A GRACE PERIOD, I ASKED IF THEY HAD RECEIVED ANY NOTICE FROM THE CITY OF XXXX SAYING I WAS LATE AND SHE SAID NO. ANOTHER WEEK PASSES AND XXXX CALLS TO TELL ME THE BANK ORDERED AN EQUITY REPORT ON ME, THEREFORE THERE WILL BE NO CREDIT. MY TAXES ARE PAID IN FULL AND I HAVE NEVER ONCE BEEN LATE ON A PAYMENT TO KEYBANK IN XXXX YEARS, THEREFORE I BELIEVE THESE " ATTORNEY FEES '' ARE FRAUDULENT AND UNWARRANTED. I HAVE SPENT OVER XXXX HOURS ON THIS MATTER AND I CANT BELIEVE A GOOD STANDING CUSTOMER OF A BANK GETS THIS KIND OF CUSTOMER SERVICE AND IS LEFT WITH NO RECOURSE WHEN THE BANNK ASSESSES UNWARRANTED ATTORNEY FEES ... ... ... ..IF THESES EQUITY REPORTS WERE A NORMAL PROTOCOL OF THE BANK WHY DID IT TAKE XXXX WEEKS TO COME UP WITH THIS LAME EXCUSE AND WHY WOULD THEY NEED TO ORDER IT ON SOMEONE WITH SUCH A PRISTINE CREDIT RECORD ... ... ... .I DID NOT ASK FOR REPORT TO BE ORDERD NOR DO I BELIEVE ITS WARRANTED, THE HOUSE IS WORTH ABOUT XXXX AND THIS HELC OF XXXX IS THE ONLY DEBT ON THE HOUSE
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX  15 U.S.C , 1681section 602 A. XXXX 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.The date of last active and last payment is not reported consistently.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

I purchased item # XXXX ( MacBook pro 15.4 '' ) from EBay for {$890.00}, USPS misplaced the item ( not the seller fault ) For 9 days after filling missing item with them, I filed claim with Ebay for not receiving the item, after two weeks the item returned to seller my money {$890.00} was n't refunded to my account EBay charges a percentage from the seller for selling the item, if I did n't follow up with EBay even I filed the case, all service calls Handle XXXX, to trick USA customers Ebay forcing XXXX to lie about their name and make things up and from one rep to another their procedures and regulation are different and EBay or their service provider ( XXXX ) selling or profile credit cards, social Securty number and etc, every year I find charges on my credit card even I have the credit cards on my Wallets and after 3 weeks Ebay did n't refund due to already charged their percentage from seller, now they saying call Paypal, Paypal using Indians for their service too, we are going to refund your money within 72 hrs, if the charge was n't {$890.00} probebly I will forget to follow up, anytime I win a bit and if the price is lower than actual price, EBAY AND PAYPAL screwed me for some reason and takes weeks to get the money back, the questions are does the seller exist, is it possible EBAY and PayPal screwing people from their money they might doing it at regular bases in USA because or laws are thougher but CFPB must look to this issue maybe something going on, CFPB does n't have to believe me but you be the judge! thanks
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (FL)

this company never notified me of this debt or given me the opportunity to dispute it before it hit my credit report. When I moved from the service address XXXX was not available in my new area and I was told no further debt would be owed because they were not able to establish service at my home.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... 

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (DC)

I recently applied for a government-sponsored travel charge card with US Bank XXXX I received correspondence from US Bank concerning the new account that displayed my full social security number on the visible portion of the envelope. My SSN was printed in full under my name and was visible while in transit.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TN)

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (SC)

I have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.
Consumer complaint received 2022-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-12-15
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. (SC)

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZIONS BANCORPORATION (TX)

Amegy Bank sued me in the XXXX County Civil Court ( XXXX, TX ), Case No : XXXX, over a {$25000.00}, Bus. Visa, I did not owe for two ( 2 ) years. I reported the ID Theft to the XXXX Police Department, ( i.e. Incident number- XXXX, on XXXX/XXXX/XXXX. When Amegy Bank deposed me in XX/XX/XXXX, their attorney, XXXX XXXX XXXX, XXXX. admitted I did not do it. ( i.e. contracted with Amegy Bank for the Bus. {$25000.00} Visa credit card. ) XXXX XXXX XXXX continued to illegally & unlawfully prosecute me without any factual basis until he and the Court signed the order for dismissal on XXXX/XXXX/XXXX. Based on the record, the handwriting expert said 100 % that it was not my signature. Amegy Bank and the Court dismissed the civil suit on XXXX/XXXX/XXXX, after illegally & unlawfully prosecuting me since XXXX/XXXX/XXXX, when Amegy Bank filed suit. Based on the record, there was never, ever any evidence against XXXX XXXX XXXX. ( i.e. me ). Based on the record Amegy Bank violated all laws of the United States, including but not limited to the Fair Credit Reporting Act, and the Texas Debt Collection ACt. I filed a " RICO '' lawsuit against them on XXXX/XXXX/XXXX, in the USDC- So. Dist of TX ( XXXX ), Case number- XXXX, for their " illegal & unlawful '' prosecution and all their partners in crime too.