davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have supplied Citibank with all evidence of the Identity Theft, Gift Card Fraud and Payment Fraud that has been transacted on my XXXX XXXX and XXXX XXXX XXXX. All fraud charges have been re-added to my accounts though they were moved off and then on by several people in different groups without the proper documentation or or even access to each others notes. This has made this very stressful and I have sent in all evidence over 20 times now. Now the Executive Credit Unit is involved and they added everything back to both cards which is not only incorrect but based upon very poor work and communication, save three employees, in the past. The only reason I had this forwarded to the executive unit is because the accounts were closed and for no good reason other than bad information gathering techniques, bad notes and incomplete understanding of the truth which I have proved is a Fraudster ( s ).
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (VA)

Keep getting calls from : XXXX XXXX about debt collection. Company shows as Harris & Harris. 

I actually spoke to someone once, they were looking for someone I don't know, who definitely does NOT live here, and they told me they would take me off the list. Instead, we're getting a call every third day.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

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 2020-10-09
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. (OH)

This is not my account XXXX XXXX XXXX XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CO)

On XX/XX/XXXX my wallet was stolen along with all of my cards that were in the wallet. I didn't even know that it was gone until I got a text from my bank saying that I had just changed my pin, and if it wasn't me to give them a call. So I called them and told them that it wasn't me. When talking to the customer service agent I proved to them that it wasn't me, but by then, the person had already drained my account. The bank will not return my money. They said that they had conducted an investigation and their excuses for not repaying me my money were ridiculous. I provided them with the police report and all the information they had asked for, and yet they still will do it. I know that I was not within the XXXX guideline that they requested, but at that time I was in the midst of a XXXX bout of XXXX XXXX and was on XXXX XXXX XXXX and had really no clue what was going on. The day after I had my XXXX to remove the XXXX XXXX I got them their paperwork. I don't believe I'm even allowed to do such paperwork when on such extreme medication. The bank sent me the results of their investigation and they are so wrong it's incredible. I feel like they violated me all over again and that they have the thief 's back and not their customers back.
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I was the victim of identity theft as a result of an XXXX data breach. I subsequently placed a fraud alert on my credit report and had several alerts from XXXX indicating they received an application for an account that could not be verified. Several months ago, I received a collection notice from XXXX regarding a fraudulent XXXX account. I contacted XXXX and was told no further action was required by me that the issue would be handled based on the information I provided. Today, I received a collection notice from XXXX, on behalf of Jefferson Capital Systems related to the same XXXX account. This is not my account, I am the victim of identity theft. I have provided documentation and a police report in addition to having this documented on my credit file.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I am a consumer of the United States of America and did not give consent for Discover Bank to close my account. According to 15 U.S. Code 1691 - Scope of prohibition, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

It is not a violation of this section for a creditor to refuse to extend credit offered pursuant to ( 1 ) any credit assistance program expressly authorized by law for an economically disadvantaged class of persons ; ( 2 ) any credit assistance program administered by a nonprofit organization for its members or an economically disadvantaged class of persons ; or ( 3 ) any special purpose credit program offered by a profit-making organization to meet special social needs which meets standards prescribed in regulations by the Bureau ; if such refusal is required by or made pursuant to such program.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, 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 2020-10-31
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: Credence Resource Management, LLC (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX
Consumer complaint received 2020-10-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

Santander USA sold the loan to a company called XXXX XXXX I settled the account in XXXX when I was informed that both companies were it remove from my credit report.. when I spoke to Santander they told me to provide all information stating that the collection company is no longer reporting I did that the XXXX of XXXX and all they did was remove some remarks..
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/18 I contacted Paypal about a dispute I currently had open and they didn't provide much information due to the fact the my credit card company was handling it. Shortly after at XXXX XXXX I received a email stating that I can no longer use PayPal services. Paypal is in violation of withholding confidential information as well as illegally enforcing their user agreement that has not been violated in no circumstance. I will be forwarding this information over to the State 's Attrorney General 's Office as well as the Federal Trade Commission. PayPal has a known reputations for these allegations and I will obtain legal representation regarding this case is this matter isn't resolved in a promptly manner.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-10-09
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: Navient Solutions, LLC. (LA)

On my XXXX and XXXX credit report. I never authorized XXXX credit inquiries by XXXX  services in XXXX of XXXX. There should not be XXXX credit inquiries by XXXX XXXX XXXX within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX  mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by Navient and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that Navient provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. Navient and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against Navient and XXXX for not sending proper information to all XXXX bureaus.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXXXXXX Account # XXXX XXXX XXXXXXXX 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. My legal rights have been violated. I
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Tried to modify loan they kept dragging it out which resulted in XXXX dollars in fees interest taxes attorneys fees. We paid the taxes and interest when this started but the mortgage was sold to them and they claimed no money was received.I also mail interest payments to XXXX bank who sold the mortgage to Wells Fargo who had server to process the account and they claimed them never received any payments
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX
Consumer complaint received 2022-07-20
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. 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 account. 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 account 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. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Spoke with an individual from AFNI requesting my social security number and identifying information. I requested to know what their call was regarding. The individual seemed to become irritated and stated I owed a debt which I have no knowledge. There was an address in their file that they said belong to me. However, I never resided at that address. I lived in an entirely different state. The representative stated they'd mark the account as verified although it was being disputed. This derogatory mark has affected my credit with being subject to higher interest rates due to a collection item. I feel this is a direct violation of the Fair Credit Reporting Act by the creditor and XXXX. And I feel XXXX did not nor do they ever do their due diligence to investigate these matters. I feel XXXX always sides with the creditor. There needs to be reform to have credit bureaus do a better job. I've lost $ XXXX from this inaccurate reporting to my credit file.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I got your response from previous complaint # XXXX, but you still can't hold my rewards cash balance, it has ~ {$50.00}. GIVE MY MONEY BACK!!! 

I know you have the rights to close my account, but you can't just take away my cash rewards. It's unreasonable at all. All the other banks like XXXX, XXXX, XXXX all give at least 30 days to redeem the remaining balance. How could you take away my cash reward without noticing me in advance? Don't you think it is unfair to me, do you?