davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC (OH)

A phone call originating with a XXXX, OH based area code ( XXXX ) attempted to collect personal data in order to verify identity, but would not disclose their intent, only that it was a " private business matter '' ; they also indicated that they knew of an old out of state address. They would also not disclose the nature of the company, only that they were in fact calling from Georgia. Return calls indicate that it is a call from Sequim Asset Solutions, a debt collection agency, although there has been no notification or communication from any services that would indicate debts are owed. This was certified after calling the actual services, and validating that money is not owed.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (MA)

I received multiple calls from several banks yesterday and today ( XX/XX/XXXX and XX/XX/XXXX ) about new account opening, while I have not opened any new account. 

I have also received a mortgage account login attempt -- I already updated the password but worried that the fraud & identity theft is still ongoing.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I received a notice dated XX/XX/XXXX, from a XXXX XXXX, XXXX that a Judgement Creditor of Midland Funding LLC had a judgment against that I was ever contacted about as I was proved any documentation that I was to appear in court. I am a father of XXXX kids and during COVID19 I was unemployed for months. Thank go my landlord was nice enough to understand that I could afford the rent and now that I am back at work and I owe back rent to my landlord I can not afford at this time were so many people are faced with daily obstacles that place them on the border of being homeless afford to have my check garnished, especially for a judgment I know nothing about. This is horrible that this is happening. I will be going to XXXX XXXX XXXX and requesting that I be provided more information. My community is in the red hot zip code area for high XXXX cases and my kid 's school was shut down to have to deal with this is really unfair. Everyone in the country knows how this virus has affected people and to start garnishing people checks who can barely put food on the table is horrible. Please help me to understand what is going on. This is really unfair I ever received papers to appear in court on XX/XX/XXXX this is over five years ago. This is horrible that given what I have gone through being unemployed to now be threatened that a creditor who I have no idea who this creditor is, Now is garnishing my check is really inhumane and I was not informed is disgusting I have no idea to what is going on and I was ever informed that I was to appear in court back in XXXX no papers were send to me.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/2020 I allowed my niece transferred funds into my account from her account because she lost her debit card. I went into the branch to withdraw the funds and the branch manager locked my account. Ive been willing to bring my niece with her bank documents and Id but they wont allow it. Ive asked for them to close my account and return my money they wont. The branch manger is refusing to unlock my account and give me the money. Ive called US bank and they said that specific branch is the only one that can unlock it. Its been a month and my account is still locked. I havent gotten any letters or anything
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

my previous complaint was addressing the extreme hold times and how I was not able to activate my replacement debit card or access my account. 
" XXXX '' I believe was her name called me approximately 20 minutes after that was submitted and told me she apologized about the experience that was going on with the call center and she is aware of the issues and a " XXXX XXXX '' will be reaching out and calling me to be to get everything resolved and at the very latest that Friday and if I don't hear from him to contact him directly and provided me a number. not only did XXXX not reach out to me via phone he responded to the CFPB complaint and just said we are closing your accounts and I need to visit a branch to get my remaining funds. veery unprofessional and with no real reason why. ( not that they have to have one ) but makes no sense sounds like retaliation to me just because the hold times are unbelievable, who wants or even can wait hours on end to fix a simple issue? anyways I will need the funds from all accounts sent to me in check via mail ASAP along with the last 5 years of statements to be mailed for ALL accounts since my access to get them myself has been restricted.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

Happy Friday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I even walked in to Citibank to clear it up and they told that I need to wait for a letter I understand if it would of been a credit card am willing to wait but is income tax money my money not credit I fill like they just playing with my XXXX that I need to pay bills my rent XXXX is coming up am job less got XXXX sons a XXXX old and XXXX old I even I even Prolly goin to get invicted
Consumer complaint received 2021-07-28
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: MARINER FINANCE, LLC (AZ)

XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called Mariner Finance. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit.

The 3rd agency, XXXX, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with XXXX  notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. XXXX  has refused to remove the hard inquiry from my credit file. 

Mariner Finance also has not responded to any communctions requesting that they notify the credit agency of the fraud.
Consumer complaint received 2020-10-08
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MO)

On XX/XX/2022 start date I received a phone call from a " Supposed US Bank Employee '' with a spoofed customer service US Bank  Phone number. Which was XXXX about a XXXX withdraw of {$3500.00} and he stated there was " fraud '' on my account. When I logged onto online banking he was able to sign me up for XXXX, which is a money transfer service used by many banks including US Bank. He then proceeded to withdraw {$1900.00} from my account, and then he proceeded to do 2 more withdraws of {$400.00} increments. Then the perpetrator locked me out of my online banking access at that point. Immediately US Bank from XXXX XXXX, MO called me and asked if I made those withdraws and I stated " No I did not '' they told me on the phone there was nothing they could do because was a XXXX transaction. The lady from the US Bank XXXX XXXX knew there was an ongoing scam with the US Bank Customer Service Phone number being " spoofed '' by scammers and were aware of this scam. The US Bank website did not mention the scam or the spoofing of the customer service phone number. I opened a new account because of the fraud, and also US Bank opened an investigation of the fraud and after 10 business days they determined that I posted the requested transactions. I received 3 letters in the mail today and basically they have now denied my claim and are NOT going to do any other course of action regarding the fraudulent transactions. So the scammer made off with {$2300.00} of my money that the bank will not reimburse me back for. That is why I'm filing this junction at this point to see my options are now. Thank You XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (CO)

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX on my XXXX file. I requested they prove the debt was valid and accurate. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect  balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX has violated my federally protected Consumer Rights to Privacy and Confidentiality. 

15 U.S.C. 1681 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (TN)

Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. Data miners ) like XXXX, or sometimes PACER. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information. Date contact XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast as possible.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

I have had a Sony Visa credit card for years. Comenity Bank is the current holder of my account ( since it's been sold at least 3 times now because I always pay the balance in full and nobody makes any money from me ), and it now sounds like Bread Financial has either taken over my account, or has purchased Comenity Bank. In any case, I tried to make a purchase on XXXX, like I've done hundreds of times, but XXXX said the purchase was declined. When I go to the Comenity web site, there is a banner across the top of the page stating " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I attempt to log in to my account, I get an error stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried calling the phone number on the back of my credit card, and there's only a recording with a similar message telling me to call back later. I tried researching this problem online and it sounds like Comenity customers have been having these issues since XXXX XXXX, 2022 ( 5 days now ). 

At this point, I can't use my credit card and I have no idea when/if I will be able to use it again.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (CO)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} XXXX
Consumer complaint received 2020-11-20
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. (KY)

There is an account from XXXX XXXX XXXX for {$100.00} reporting on my report that is not accurate.XXXX XXXX XXXX has agreed to have this account removed from my report and has ask all bereaus to remove the account but Equifax has not yet deleted the account fro my report.
Consumer complaint received 2022-08-12
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. (NY)

There seems to be an error on my consumer report furnished by ( XXXX ). On my consumer report, there are late payments reported which is causing damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( XXXX ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2022, I contacted a shoe seller on XXXX to purchase 4 pairs of shoes for a total of {$1500.00}. One transaction was with XXXX for {$750.00} and the other transaction was with XXXX XXXX for {$750.00}. Both of these payments were sent on XX/XX/2022. Everything about him seemed legit so I sent him the money and he provided me with a fake tracking number and never sent the shoes to me. I tried to ask him to send me my money back and of course he wouldnt. So I contacted Wells Fargo which is the bank that is connected to my XXXX and XXXX XXXX. I opened claims and they said they could not refund me because the transactions were authorized. They never even allowed me to show my proof regarding the scam. I have screen shots of the messages on XXXX  between me and the scammer showing that he scammed me. I also have proof that the tracking number he sent is fake. It is XXXX. I tried contacting XXXX and XXXX but they said I had to contact my bank for a refund. However, Wells Fargo did not help at all. I am extremely upset and am looking for a refund.