davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up
Consumer complaint received 2022-10-24
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. (RI)

A new credit inquiry has appeared on my credit report. A hard inquiry appeared on XX/XX/22 regarding XXXX Bank. I have not applied for a credit card or loan. I confirmed with XXXX that it was a fraud case as they closed down an application for a XXXX credit card.
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LOCKHART, MORRIS & MONT account with a balance of {$73.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me, this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX  from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2022-07-26
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. (IL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for accounts - XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CA)

Hello. 

I've never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX '. 
I'm living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ', and never moved to somewhere before. 
I changed the address several times but for some reason my address keep changing to that XXXX XXXX XXXX XXXX address. 
It happened more than 5 times. 
I already contacted Chase but they couldn't resolve that problem. 
Could you please prevent changing the address to XXXX XXXX XXXX? 
I really appreciate your help.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

To whom this may concern, I recently opened up a bank account with PNC and deposited very large check, that was successfully deposited. In the middle of me trying to withdraw the funds to use, PNC bank froze the accounts and all my money because I feel they do not want me to remove my cash and funds from their institution. Their reasoning is that the security and investigations department thinks there is fraud going on. But clearly there is not because I am the only person who knows about the account And the only person who has access to the account. Ive tried calling PNC Bank several times over the last 2 1/2 weeks and I have not gotten a clear answer on when my funds will be available. I need these funds because they are my source for paying for my mortgage and all of my bills so that my family and I can stay in my home that I have worked so hard to build and make. The answer I get from PNC Bank is that there is no clear timeframe when my funds will be released in accessible.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

I have addresses tied to my credit report that I've never live in my life. One account is from XXXXXXXX XXXX as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years ( XXXX ). According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XXXX XXXX, I called to cancel my citi credit card. I had a balance on my card. I have always made my payments by mail, with a personal check. On XX/XX/XXXX, I contacted CITI CARDS, and requested my final bill. They sent ma an Email, stating, that I should make the payment on line. I informed them that, I have always made my payments by mail with a personal check. They, CITI CARDS, has been sending me a bill in the mail ever since I opened the account. I made several phone calls, requesting my bill by mail, as usual. They ignored me. In XXXX, I started receiving E-mails, stating that, my bill is past due, and they are charging me late fees and interest, in the amount of {$31.00}. I have never made a late payment, and I always pay my bills in full, and on time. I think it's unjust, to deliberately delay my bills, and the charge me late fees.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2018-10-29
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I was deceived into thinking that I owe on a debt that is not mine and after five attempts to tell the agent that I would like to dispute this they still would not dispute this debt for me and I believe I have the right to dispute directly with this debt collection agency and I was denied that right and for that I would like to be compensated for my time.
Consumer complaint received 2022-07-27
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. (CA)

On XX/XX/XXXX I submitted a complaint due to a request submitted to Equifax to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received any verification documents to prove that this account was ever late! Equifax instead closed the case stating the creditor verified that it was late & that I would receive documentation verifying this which I have not. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/2018, XXXX-XXXX decreased my line of credit from {$2900.00} to {$2500.00} without merit. Thus far, a letter of notice was not sent out to me. I attempted today to find out what happened. Operator name XXXX, agent XXXX had no idea why my line of credit was decreased. She also acknowledged that a letter had not been sent out to me notifying me of this change. I have always kept my account at a XXXX balance and paid faithfully on time. This line of credit decrease affected my credit score negatively. Also, there was no reason to decrease my line of credit. Also, no documentation as to WHY.
Consumer complaint received 2022-07-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXt # 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
Consumer complaint received 2020-08-04
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. (OK)

I have submitted a complaint about incorrect reporting. 

I was advised via the CFPB process that the company would be informing about the steps that were taken to investigate reported information. 

To date, I have yet to hear anything of substance from XXXX XXXX, Equifax, or XXXX about the steps that were taken. 

I maintain that what they have reported on me is incorrect, and not single phone call, letter, or any means of communication has been made to contact me about clearing this issue.
Consumer complaint received 2021-06-24
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: CITIBANK, N.A. (CA)

It shows there are 2 late payments in my Universal Card CBNA account XXXX, in XX/XX/XXXX and XX/XX/XXXX. The reason for these 2 late payments are I rarely use this card, it at the beginning didn't charge annual fee, but suddenly start to charge annual fee on XXXX XXXX without notifying me. No email notification, no text notification. Even 1 month later they didn't notify me of the late payment. 2 month later, I see the amount myself, and call to the company to argue why they are posting this and even charge me late fee, they should refund me. They refuse to refund me, and can not provide any prove that they notify me in any way. I am so angry, I have to pain in full and close the account. But this late payment record stay in my credit report for 7 years. I call XXXX to dispute this one, they said the company just said it is 2 late payments indeed. It is unfair, now it even don't know how much money in the late payments, a few dollars becomes 2 late payments, penalize me for 7 years. The company can really do whatever they want.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (TX)

A line of credit was fraudulently opened in my name under the account title Kickoff Lending LLC in XXXX of XXXX. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that Kickoff Lending LLC apparently verified the account according to XXXX. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the Kickoff Lending. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX. XXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.
Consumer complaint received 2022-07-26
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. (FL)

I made a payment of {$3800.00} to my Chase Business Ink card from a XXXX account. After calling more than 25 times on XX/XX/2022, Chase informed me that I can not have access to my credit line because they have to hold my payment for " float pay ''. When I asked why, I was told the money had to be held because it was a new account. I was also informed it would be posted to the account by XX/XX/2022. 

I still have not received credit to my account. Additionally, when I checked my XXXX account, I see where the payment was returned, despite having sufficient funds to cover the payment. See attached screenshot. I believe Chase purposely returned my payment due to the fact that I have been repeatedly trying to resolve this issue. I received a case number from a member on the executive team ( XXXX ), and yet no one has called me back.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I have had my federally protected consumer rights violated by EQUIFAX on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EQUIFAX has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX XXXX XXXXXXXX - {$9000.00} XXXX - {$6300.00}
Consumer complaint received 2022-07-26
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Albert Corporation (PA)

I received an email on XX/XX/2022 from my Bank. XXXX XXXX to join XXXX and enter to win {$1000.00}. " Just complete Income Boosters or invite friends to join XXXX by XX/XX/XXXX! '' It sounded interested because I received the information from my bank. So I called my Bank to verify that the email actually came them and not a Scammer. I was put on hold on for while and the Customer Service representative who was handling my call, was able to verify that the email did come from XXXX XXXX. 

I created an Account with XXXX and selected Income XXXX, XXXX, XXXX, and XXXX. XXXX is still on pending status. I closed the approved XXXX XXXX XXXX because they were taking a Subscription fee of {$9.00} every month and not puting it towards any Investment as they had stated in their agreement and what they advertised on TV. I received refunds for the money that they had taken from my Bank account. They had lied to Steady about their investment practices. 

The main report that I am filing is against Albert Bank. I opened an Account with them as one of the income booster, starting with a Savings Account with {$20.00}. For there, they took {$5.00} on XX/XX/2022, {$7.00} on XX/XX/2022 and claimed that it was for EDI payments for tips, {$8.00} on XX/XX/2022, {$11.00} and {$9.00} on XX/XX/2022. I have checked my Albert Bank Account and the only money that I see is what is in my XXXX XXXX. I don't see money going towards any thing of investment. I have contacted Albert Bank several times and have not received a credible explanation of why they are taking out money from my XXXX XXXX. I filed a complaint with XXXX XXXX two weeks ago to dispute these charges and Albert Bank was given time to come up with explanation of why they took out {$8.00} from my Account. I called XXXX XXXX today to discover that Albert Bank never contacted them to give any explanation. I have told XXXX XXXX XXXX put a stop payment to Albert Bank and filed a dispute for {$8.00} taken on XX/XX/2022, {$11.00} and {$9.00} taken out on XX/XX/2022, and the {$20.00} they took out in XX/XX/2022 to open a Savings. 

I have notified Albert Bank today about the charges that were taken out today, their failure for not coming up with explanations of why they take out money from my XXXX XXXX Account, lying, to XXXX about their investments, my intent to contact XXXX to remove the direct deposit that I had set up using XXXX, closing my Account them for good, and have from XX/XX/XXXX to XX/XX/2022 to return all the money that they have taken from my Account. 

To me, it looks like they are operating a Scam or Fraudelant business instead of running a Bank. I have a question (? ) mark about operation and whether they are have FDIC protection. I researched and found a Customer Service number for Albert Bank. When I called the number, I was referred to the Albert Bank app to contact XXXX XXXX.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

Chime closed my bank on XXXX XX/XX/2022 with no warning or reason still had XXXX dollars in it and Im afraid my daughters ssi check will go in this closed account Friday cause they didnt give me enough time to change bank just did that today XXXX XX/XX/2022 and has to be done before the XXXX of every month Im afraid they will try to keep her ssi check plus my XXXX dollars in the account they closed
Consumer complaint received 2022-10-24
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)

I have ben dealing with this problem for over a year now. This reporting agency continues to report false information on my consumer report that I clearly do not have per the courthouse and XXXX XXXX. So I'm not understanding how you are still able to report information that does not exist. At this point this is FRAUD and you are past violation my rights and the LAW. I need this incorrect information that does not exist removed immediately. There is no way possible you can say the court or XXXX XXXX furnished you this information because I have proof in writing they didn't so stop defaming my character and delete these lies you report!!! See proof attached