davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I have a security/safety box with Chase Bank that I used to secure valuables that are not needed in a constant basis. I recently went to Chase Bank on XX/XX/2022 to discovered that I had no security box. Lead Associate XXXX XXXX advised me that Chase Bank had an audit by an independent contractor and the boxes that had mismatched numbers with their computer system were drilled and taken. 
1 ) no notice was given to us BEFORE this took place 2 ) no notice was given to us AFTER this took place. 
We found out when we are about to go on a trip and while attempting to collect some of our valuables, we discovered this! 
I made an escalation complaint with Chase in which they manager only wanted to have information about the branch and said had no control over collecting my security box back or expediting the process. I spoke today with the branch associate who notified me they received a response to the fax sent to this " audit '' company on XX/XX/2022 and advised that it will take 7 - 10 days for the branch to receive my valuables as they were sent via USPS. HOW IN THE EARTH IS THIS COMPANY SENDING MY VALUABLES VIA USPS!! if we contract for a security box is because we need our valuables secured and we need to be able to reach them at any given time!!!! I am asking that you provide assistance to recovered my valuables and I am asking that an investigation is done on this process. I dont even know if I am going to get all my valuables as I did not think about creating a listing or taking pictures as I blindly trusted a bank institution of the size of Chase. Now I have to trust that the listing of valuables they will provide is correct????? I am asking for your prompt help.
Consumer complaint received 2022-07-29
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. (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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 this files. 
XXXX XXXX If you feel there is a possibility this account 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 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

My complaint is about CITI CARDS CBNA and XXXXXXXX XXXX XXXX. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2021 and the next is dated XX/XX/2021. 

Because I did not apply for credit with CITI CARDS CBNA, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, SD XXXX. The address attached to the inquiry. 

Please launch an investigation into CITI CARDS CBNA inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI CARDS CBNA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-07-29
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. (GA)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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 2022-07-03
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. (NV)

N accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-07-03
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. (FL)

in accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (VA)

- Kia agreed that I never owed property taxes on this leased XXXX XXXX XXXX.

- As a result, Kia agreed that I should be reimbursed for the two years of property taxes I paid on the vehicle. 
- This meant that Kia owed me {$220.00} for one year and {$220.00} for the other year. 

- After a reasonable amount of time, I had not received the reimbursement. 
- About one month ago, I called Kia to inquire about the reimbursement. 
- Kia said the checks had been mailed in late XX/XX/XXXX. 
- I informed Kia that, as of XX/XX/XXXX, I had not received the checks. 
- Kia said they would re-send the two checks. 
- I confirmed that Kia has my correct mailing address. 
- My mailing address has not changed since XX/XX/XXXX. 

- As of XXXX, I still have not received the two checks.
Consumer complaint received 2022-07-29
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. (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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX, XXXX XXXX XXXX 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 2022-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NJ)

On XX/XX/XXXX, I applied for a checking account from US Bank and it was approved instantly and then I completed an initial deposit of {$25.00}. After that, I received an email that everything is completed. However, one month has passed, I have not received any information from US Bank about my account information such as account number and I have not gotten a debit card, so I can not set up my online account number. 

Until now, this account is still unavailable. I already spent a lot of time on it, called the customer service but nobody could help me, they transferred me to each other department.
Consumer complaint received 2022-09-22
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. (PA)

MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY OWN BEHALF REGARDING THE INFORMATION ON MY CREDIT REPORTS. FRAUDULENT APPLICATIONS WERE SUBMITTED AND PROCESSED UNDER MY NAME OR IDENTITY WITHOUT MY CONSENT TO OBTAIN GOODS OR SERVICES. THE FOLLOWING INQUIRIES AND ACCOUNTS I NEED TO BE DELETED ARE LISTED IN THIS REPORT AND ARE ATTACHED TO THIS STATEMENT AS WELL : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : OPENED XX/XX/XXXX XXXX : OPENED XX/XX/XXXX INQUIRIES : XXXX : XX/XX/XXXX XXXX XXXX SERVICES : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-09-23
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: WELLS FARGO & COMPANY (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) XXXX XXXX  ) ( A ) and 611 ( a ) ( XXXX  ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Best Buy XXXX administered by XXXX XXXX  incorrectly applied a late fee of {$29.00}. However, the payment was made timely, and the error was on their end to timely credit the payment. I send in a dispute and the response was they needed to speak with me ( attached ). I called today and they said they didn't know why I was calling and had no update on the dispute.
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

The complaint # XXXX was filed XX/XX/22 and it's been more than 30 days and company have not yet responded about account cc/XXXX XXXX # XXXX. By law they have roughly 30 days to respond or they are required by law to remove the account.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

XX/XX/2020 on or around XXXX My car was broken into. All my personal information and electric devices was stolen my from my car. my social security card Identification card. 
I started to received information when my credit score started to decline. 
I notice different addresses and credit cards also inquiries.
Consumer complaint received 2022-09-22
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. (WI)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Fraudulent Activity XXXX. XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX ( Finance ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Finance ) ( XX/XX/2022 ) XXXX. XXXX XXXX ( Bank ) ( XXXX XXXX ) XXXX XXXX XXXX ( Bank ) ( XXXX XXXX ) I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.
Consumer complaint received 2022-06-08
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-29
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACIMA CREDIT, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A creditor may not treat a payment on a credit card and reopens the consumer credit plan as labor for any purpose
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A creditor may not treat a payment on a credit card and reopens the consumer credit plan as labor for any purpose
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE XXXX XXXX, XXXX XXXX. & EQUIFAX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL 3 OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL 3 AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN XXXX CONFIRMATION FROM EQUIFAX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL 3 CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE XXXX AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2022-09-22
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: AmeriCollect (TX)

XXXX, XXXX XXXX XXXX are braking the law! 

Under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial.

15 US Code1681b ( You need permission to report on my CONSUMER report ).

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the FALSE belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Communicating with a third party that I owe a debt is illegal!

I would also like to add I didnt give them permission to have my personal identifying information which they obtained by aggravating identity theft in accordance with 18 usc 1028A.

15 USC 1692b : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- 15 U.S. Code 1602 p ) The term " unauthorized use, '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount- {$1800.00} My one year and I are experiencing hardship of the illegal practices that is reporting on my CONSUMER REPORT and financial distress. I feel validated! We are homeless and have no where to stay due to this matter.

I am DEMANDING you to remove these collections accounts!

for Improper use on my consumer report.