davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (AZ)

I was ripped off from XXXX ; then found out that they hot wired my car and it could have caught on fire. 
Owner never went over the invoice and charged my card {$2100.00} ; charged me for a warranty that was never given. 
I called Wells Fargo and disputed the amount ; they only allowed provisional credit of {$1100.00} Wells Fargo sent letters in which I took care of I spoke to XXXX on XXXX and he said they needed another opinion in which I provided to them by email this morning Wells Fargo removed the credit and per XXXX, employed by Wells Fargo in the XXXX said my claim was closed XX/XX/2021 even though I had been in contact daily I not only had problems with XXXX but with Wells Fargo
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, etc ) XXXX  XXXX XXXX  XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Collection Systems, Inc. (GA)

On XX/XX/2021 at XXXX. XXXX XXXX called and was immediately aggressive when I asked him what the call was about. Continued to talk over me and when I asked him to send a debt validation to prove it was my debt he said that it was sent XX/XX/2021. However, the debt validation that I received was not from him or his company. Because this is a new company I am entitled to a new validation because I am not familiar with them or the debt collector. I hung up after he tried to tell me " You got ta pay this debt or else.. ''. After, I called back in which he picked up to confirm company information, I wanted an address and the address that they accept mail to then patronized me by saying " Smarter people looked it up on XXXX '' then said that I was a " college dropout. '' This is behavior that is unacceptable especially when I didn't give him a reason to respond the way that he did. I also asked him to send the validation to the address that is on file and he was mad I didn't want to give personal information on the phone. Also, I never verified my social security number ( last four ) and he still proceeded to tell the alleged business of mine to an unverified ear.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

VALIDATION AND CEASE AND DESIST LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX Dear LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-29
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. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

THE KEEP REPORT THE FALSE STUFF ON MY CREDIT REPORT PLEASE REMOVE THEM I sent a letter out to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/2022 I purchased 2 XXXX XXXX from Amazon, using my Amazon credit card through Synchrony Bank. These devices with tax came to {$240.00} each. Shortly afterward, I decided to return the entire purchase. I contacted Amazon and they agreed to accept the return and sent me 2 prepaid shipping labels, one for each XXXX. I promptly returned both and have shipping confirmations that Amazon received them. However, Amazon only refunded my account for one ( XXXX ). After several attempts to get Amazon to correct this, during which they agreed they would, yet they never issued the remainder of the credit, I initiated a dispute with Synchrony. After investigating, Synchrony resolved the dispute in my favor and credited my account for the second XXXX ( XXXX ). However, several weeks later Synchrony reversed this credit. The letter they sent explaining the reversal stated that they saw the original credit Amazon had issued in the same amount ( which was for the first XXXX ), they thought I had been credited twice so they were reversing it. I subsequently disputed this again, and on XX/XX/XXXX they sent me a letter acknowledging this new dispute. As of today, XX/XX/XXXX, they still have not resolved this dispute. When I contact their customer service representatives they always seek to delay the issue. Today they told me they have 60 more days to investigate the matter. This should be resolved by now, and they still owe me {$240.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (CA)

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. 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. I found that under section 605b ( a ) Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2021-01-17
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. (NY)

IVE WRITTEN THE CREDIT BUREAUS 3 TIMES AND THEY HAVENT FIXED THIS ERROR XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2023-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (SC)

In XX/XX/2021, I moved from residence from XXXX to XXXXXXXX XXXX SC. In end of XX/XX/2021, I contacted XXXX XXXX and informed them that I would be moving from my residence and to transfer my service. My last bill should be in XX/XX/2021. XXXX XXXX representative transferred my service to XXXX XXXX XXXX, XXXX XXXX SC XXXX. At the time there was no outstanding bill on my account otherwise I would not have been able to transfer my service. XXXX XXXX failed to discontinue my service at XXXX XXXX XXXX as a result I incured a bill for {$490.00} and therefore violated by consumer protection rights. There has been two debt collection companies that have contacted me for the past two years and I have contacted affirmed the assertions I am making in this dispute. There is not debt owed because I transferred by service. XXXX XXXX has retained Bull City Financial Solutions , Inc . I am affirmatively disputing the debt owed of {$490.00} under the debt collection laws. XXXX XXXX should have done their due diligence and shut off the service.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (MI)

On XX/XX/, I received a Cash app debit VISA. My name is on the card. I did not set up this account and do not recognize the Cash app tag. 

I immediately contacted the company to close the account. Cash App informed me even though my name and address was on the account, I could not close it because I could not verify the telephone number on the account. While someone used my name and address to open the account, they provided a different telephone number than mine. 

Cash App will not allow me to close this fraudulent account with my name on it.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

I have a credit card issued by CITI Bank. Its carries a balance from time to time when the interest rate offered is favorable. As my financial circumstances change, I pay off the balance. A very normal arrangement. The payments on the card have ( nearly ) always been made through the online portal.Specifically, I provided CITI with the account number of a checking account I have at XXXX XXXX  for periodic payments. This week I determined it was appropriate to pay off the balance on a CITI card with proceeds from a HELOC at XXXX  XXXX XXXX. I drew the exact amount from the HELOC to make the payoff to my checking account at XXXX. I then used the CITI online banking application, which uses XXXX, to connect the XXXX account to make the payment. It all seemed very easy and normal. The next day however, I received an email from XXXX XXXX  indicating they declined a payment in the amount I requested drawn from the XXXX  account. I immediately realized the mistake and contacted CITI. Their customer service refused to provide a direct and clear answer regarding whether they would charge a returned check fee. However, the next day it was apparent CITI is charging me a {$29.00} returned check fee. The pecuniary amount isn't the issue. The problem is that I'm 1000 % sure by virtue of the process XXXX  used to connect the accounts of the inputs I made through the CITI portal. I absolutely requested the draw made from the XXXX account, even entering in my XXXX  portal login information to make the connection. CITI 's software and procedures either ( maliciously or carelessly ) misprocessed my request and now blame me for their mistake. The fees generated by this are entirely disingenuous and customer service refuses to directly discuss the issue, instead faming misunderstanding as might occur between people who speak different native languages. It's simply sad and ridiculous behavior to generate additional fee based revenue.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX