davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2023-01-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items 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 items 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 companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? 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 have these accounts corrected for once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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)

I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

i received this paper on XX/XX/XXXX, i assume the paper was written on XX/XX/XXXX since that is the date the paper has on it. the amount of debt theyre asking for is {$220.00}, it says as of XX/XX/XXXX, you owed : {$150.00} then additional debits applied to your account : {$65.00} which totals {$220.00}, i have no idea what this debt is for as i have never sent or received money on paypal, i never use online payments so this has to be a mistake, i have no idea what this is about and i want them to stop bothering me.
Consumer complaint received 2023-01-11
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Consumer complaint received 2023-01-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: U.S. BANCORP (IL)

I have a XXXX card issued by Fidelity ( Elan Financial Services ), and I'm filing a complaint regarding their lack of security procedure to protect their customers. 

On XX/XX/XXXX, after my card transactions were denied, I called their Customer Service line. The agent sent me a text to my cell phone for a 2-step passcode after verifying my other info. After that, I was told by the agent that on the previous day ( XX/XX/XXXX ), someone called in and reported the card was lost. The person requested that new cards be sent to XXXX, XXXX- not the address on my file. Fidelity processed that fraudulent request, cancelled my card, and was in the process of issuing new cards to the fraudulent address. I asked how could Fidelity process such request when I had to go through the XXXX verification. Plus, I never received email notification regarding my card 's cancellation. The agent said that she'll stop sending the new card to the fraudulent address, and re-issue new ones to my home adrress on file. She said the previous call will be reviewed, and gave me a case number. She said I can call the XXXX XXXX. XXXX to follow up. 

On XX/XX/XXXX, I called the Fidelity Visa card Fraud Line, and asked to speak to a manager. Manager XXXX  came online, and said the call recording of the first agent was reviewed, and the agent did nothing wrong because the caller had all my info. I asked how can Fidelity process the fraudulent request when I had to go through the 2-step verification. He responded that the 2-step verification process has been added to my account AFTER I reported the case- which is NOT true because when I called in on XX/XX/XXXX, I had to go through the 2-step process. 

I also asked why Fidelity did not have the security feature to alert account owner regarding card cancellation request, especially new card is to be sent to a different address. He just verified my email address on-file without answering that question. 

I'm filing security complaint against Fidelity Visa for lack of security procedure to protect their customer. 

XXXX XXXX
Consumer complaint received 2023-01-10
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

1 - Hello, onXX/XX/2022 I wrote a letter to Midlland Credit Management in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 

2 - Also on XX/XX/2022 XXXX XXXX XXXX has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (IL)

Sent a Debt Validation letter to Synter Resource Group via postal mail, email, and certified mail. The Debt Validation has not been responded to. Synter Resource Group continues to harass me. Synter Resource Group has failed to provide proof the debt is owed, but keeps issuing invoices.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

I am out {$460.00} due to a merchant 's failure to provide the purchased item from XX/XX/22. The merchant has refused to refund me and PNC will not assist me. See attachment for full text.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

XX/XX/22 - I opened an Online Citibank Savings Account and transferred XXXX from my personal checking account as a deposit. I received email confirmations of the new account creation and transfer request. 
XX/XX/22 - XXXX  was taken out of my bank and deposited to the savings account. I was able to connect the Citibank savings account to my online Citibank credit card account to monitor the transfer and deposit. 
Mid XX/XX/XXXX2022 - I was not able to access the Savings account online. I called Citibank and was told my savings account was in the process of being closed by XXXX ( Fraud Department ). I had not received any notice via email or mail about this. I was told that once the account was closed, I would receive a check of my funds which would take at least 30 days. 
XX/XX/22 - I called XXXX ( XXXX option 4 ). Spoke w/ XXXX who said the account still wasn't closed yet and had his manager expedite the process in order to get the check refund again after 30 days of closure. 
XX/XX/22 - Called RDI again. Was told by XXXX that the account was closed on XX/XX/22 and it no longer showedXX/XX/1000 and an electronic refund was sent back to my bank on XX/XX/22 but he would not give me the transaction number. I was told to contact my bank for further assistance. I called my bank and spoke with XXXX who stated there was no evidence of any attempted deposit/transfer of any funds from Citibank to my checking account. I called XXXX again and was transferred to the Dispute Department. I was told that due to the $ amount, I would have to mail Proof of Ownership of my bank account ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to receive the return of funds. No Dispute number was given to me. 
XX/XX/22 - I mailed the above to the address given. No one contacted me despite providing all my contact information. 
XX/XX/22 - I called the Dispute Department and XXXX stated I was given the wrong address and to mail the Proof of Ownership to XXXX Citibank XXXX XXXX, XXXX XXXX, TX XXXX. This time I sent it by certified mail for it to arrive on XX/XX/22. Again, I did not get any response from Citibank. 
XX/XX/22 - I called the Dispute Department, was transferred to XXXX at XXXX Department who then transferred me without my knowledge to XXXX Fraud Department. To my bad luck, I get XXXX again who tells me he can not give me any details about the closed account and that I would have to get my bank to contact XXXX to resolve since this is a " bank to bank '' issue. He also told me I can not do a dispute with Citibank in order to get my funds back. I called my bank and XXXX started an escalation on my behalf to see what can be done. 
XX/XX/22 - Representative from my bank stated there's nothing they can do without any transaction number/details from Citibank of the refund. 
Citibank has consistently given me incorrect or no information at all as to the forced closure of the savings account and the process to get my money back. I have been sent in circles since XX/XX/XXXX 2022.
Consumer complaint received 2023-01-10
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number # XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me as well as unauthorized inquiries and inaccurate accounts that I have listed below : The following personal information is incorrect : Name : XXXX XXXX Please Delete My name is : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 
2. XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address does not belong to me please delete from my credit report. 

My date of birth should read XX/XX/XXXX. On my credit report it reads XXXX which is a year and not a date. 

Please note I give your agency PERMISSIBLE PURPOSE to furnish the following personal identifiers ONLY : My true and correct name should read : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Social Security Number : XXXX Please delete any other personal identifiers being furnished. As a consumer, I am able to exercise my right to privacy in lieu of the Fair Credit Reporting Act. I do not wish to have any employment information furnished to my credit report. 
XXXX  XXXX XXXX XXXX The Please delete from my credit report. 


I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me. 

Please send an updated copy of my credit report to the address below. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : lIdentification lSocial Security Card
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I attempted to sell a XXXX XXXX bag on XXXX. I was trying to sell a bag for XXXX ; instead of making a profit, I was scammed out of XXXX. I was sent messages from someone posing to be a XXXX customer service representative that demanded me to send money and threatened to have the FBI arrest me. First it was a {$100.00} admin fee to get the money to transfer and then it was {$200.00}. Then, they demanded {$700.00} as the last payment. Unfortunately, I was a fool and sent them the {$700.00}. Then they demanded me to go to a bitcoin machine and purchase {$1500.00} worth and that's when I realized I was definitely being scammed. I have lost XXXX and been behind on all my bills because I needed that money. The whole reason I wanted to sell my XXXX XXXX is because I am broke and needed the money. 
I spoke with Wells Fargo customer service that day and filed three separate claims since there were three separate transactions. 
Unfortunately, the people investigating my situation denied my claims and now I am struggling to pay my bills. 
Now, my credit and deposit score are both tanked. Wells Fargo sent me a letter ( Sent XX/XX/XXXX, received XX/XX/XXXX ) informing me that they are closing my account " to manage risk in their banking operations '' and that my account is expected to close by XX/XX/XXXX or sooner. My account is in the negative and I haven't made any purchases. Furthermore, I can't check my banking activity because they XXXX my online account.
Consumer complaint received 2023-01-10
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. (MI)

TransUnion made an announcement stating that " Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports '' Transunion violated FDCPA laws when they failed to investigate disputes I filed against the medical debt collection agency XXXX XXXX. Transunion only verified a XXXX digit code with the collection agency and failed to adequately investigate disputes filed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


Not only has the negligence to thoroughly investigate disputes of the invalid debt negativity impacted my credit score, it's caused damages ofno less than {$2000.00} in incread apr on loans and lines of credit over the 4years and 8 months of the invalid debt remaining on file. 

Dispite agreeing to remove all medical debt from file that's {$500.00} or less by XX/XX/XXXX this {$110.00} collection remains on file.
Consumer complaint received 2023-01-10
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 — Problem with personal statement of dispute
Company: United Revenue Corporation (TX)

1 - Hello, on XX/XX/2022 I wrote a letter to XXXX XXXX XXXX in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 

2 - Also on XX/XX/2022 United Revenue Corporation has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

On XX/XX/2022 I requested my Private Mortgage Insurance ( PMI ) be removed because I made significant home improvements which increased the value of my home. I submitted my request in writing on the LoanCare portal as directed by their customer service representative. On XX/XX/2022 I made the payment of {$150.00} to LoanCare for the Broker 's Price Opinion ( XXXX ) to be obtained. The XXXX was completed on XX/XX/2022 by XXXX XXXX XXXX XXXX. The results were favorable. Based on the XXXX evaluation my new market value was {$380000.00} which was 67 %. My Purchase price was {$280000.00} and my current loan balance is {$250000.00}. This was way about the 30 % threshold needed to remove the PMI. On XX/XX/2022, LoanCare sent me a letter with the XXXX report. I called LoanCare on XX/XX/2022 and spoke with a representative to discuss when my PMI will be removed. He stated that he saw the report and did not know why the PMI Department have not been the adjustment but will send a message and they should get back to me no later than XX/XX/2022. No one called so I called again on XX/XX/2022. The rep stated they mailed me out a letter stating I have not met the payment history requirements as the reason for my denial. According the the PMI disclosure I signed on XX/XX/2022 it state " For purpose of PMI cancellation, a good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date the you submit a request for cancellation. '' I have made several attempts to resolve this issue but LoanCare keeps sending the same letter stating I do not meet the requirements. This is completely unfair and false. The XXXX report clearly stated the value of the home was {$380000.00} and I have a good payment history. LoanCare is in violation of the Homeowner Protection Act.