davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DC)

Around XX/XX/ I made a purchase for XXXX $ cash at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XXXX oclock eastern time. I lost my money order & receipt all while walking to my vehicle after a frantic search I went back to the XXXX XXXX XXXX to ask for and receipt of my transaction each day for two weeks hoping there would be another woker on duty that would care enough to help Ive made multiple replacement forms and attempted but nobody will contact me back its is now XXXX  and I have yet to get and email an call and I would like my money back I filled in all three lines so nobody could cash it in they also said it wasnt cashed in yet there self so I want to know where are my funds and why is it so unprofessional even when I expressed my family emergency they would keep insisting I do a replacement form Which I have done multiple times in hopes they would help me in stead they wanted me to give up my efforts I am a XXXX father looking at and eviction I am not trying for steal I just want what was rightfully mine and I trusted this business to be there for me in times like this when my back is against the wall not treating me like Ive never brought the moneyorder because the store has cameras bout they wouldnt rewind those either for me
Consumer complaint received 2022-11-26
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: CITIBANK, N.A. (CA)

I recently opened my credit card account at Citi and received my card a few days ago. I made my first few purchases, and then, without receiving a notice, my credit card stopped processing transactions. I called Citi 's fraud number, and they first asked me for a phone number other than my current phone number ( which is listed on my account ) that they could send a verification code to. I told them my current phone number is my only number, and then they asked me a series of security questions which I answered accurately. They told me that I would have to wait to receive a letter in the mail, which would take up to 10 days. I asked to speak to a manager, and was told that one would call me back within one hour -- I never received a call. 
I have not been able to use my credit card for transactions, and I have waited a long time on hold with the fraud department, but the issue remains unresolved.
Consumer complaint received 2022-11-26
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: Bridgecrest Acceptance Corporation (CA)

My cosigner declared bankruptcy and my loan company stopped reporting the payments I'm making on my loan to the credit bureaus. I am the owner of the account a still making the payments and account is in good standing. I spoke with them, and they keep telling me that they stop reporting once a bankruptcy has been filed. I said that I did not declare bankruptcy and they did not notify me that my cosigner did and said that there is nothing I can do to get my loan back on my report. because they removed it, my score dropped by XXXX points even though I'm still making the payments. I'm making the payments but they're not reporting it and the fair and accurate credit transaction act is not being followed. I have no documentation because I was never formally informed that my cosigner declared bankruptcy.
Consumer complaint received 2022-12-20
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. (NC)

by fcra rights and laws for my consumer protection i have not given XXXX XXXX .XXXX  XXXX experian i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports
Consumer complaint received 2022-12-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (SC)

I checked my credit report this year and there is a loan showing on the report for {$3900.00}. It shows the loan was open on XX/XX/XXXX. It has very derogatory remarks on my report saying that the loan is 3 months past due, but I never opened a loan for this amount. This is false information and needs to be corrected. I have not taken out a loan in XXXX. If this is an incorrect date my report needs to be updated to reflect correctly. I've tried calling debt recovery solutions to get them to update the record but they are saying that they can not change the record. When I disputed this with XXXX, XXXX, and XXXX and all three stated that this meets FCRA requirements. They also shared that the loan wasn't opened XX/XX/XXXX, but it went into collections back in XX/XX/XXXX. The problem for me is that on my credit report, it is being displayed like this is a brand-new loan, when in actuality this loan is extremely old. The dates should reflect that on my credit report and it is not. I don't know what more to do about this issue. The confusion came about when it was put on my credit like it was opened this year. I thought I had encountered identity theft, and the confusion could have been avoided if Debt Recovery Solutions had put accurate information on my credit report. I don't feel comfortable with discussing payment arrangements because based off of the reviews about this company, there are multiple people stating that they have paid and it hasn't gotten removed from their credit report. I am asking for help to resolve this matter. Attached are the screenshots from XXXX, XXXX, and XXXX where it is being advertised that this loan was opened XX/XX/XXXX. As you can see, XX/XX/XXXX is nowhere on my credit report. They are making it seem like this is a brand-new loan.
Consumer complaint received 2022-11-26
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. (FL)

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 ( b ) a creditor can not treat a payment on a credit card account under an open-end consumer report as late for any purpose.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a.k open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/year>, I reported fraudulent changes of address in four of our credit cards with Synchrony Bank ( Two Sam 's Club, One XXXX, and one PayPal ). We discovered that the accounts have been hacked FROM the Bank site, and the address changed to XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. We have NEVER lived or had any business in Arizona. The bank was advised and measures taken. 
Today Saturday, XX/XX/year> XXXXET I received email notifications from PayPal in reference to the new card for my XXXX XXXX XXXX account. but the address was AGAIN changed to the AZ hacker one. 
My wife 's and my credit scores have suffered because of this, and from XXXX score we are down to XXXX today. 
We request an investigation before any fraudulent activity or transactions continue. 
We have reached out to the AZ PD and XXXX PD as well to lodge a complaint and document the issue.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SD)

Hi, I bank at Wells fargo and they keep charging me a {$10.00} service fee when my account goes below {$500.00} for even a minute. In the past when I didn't have much money the charge would cause overdraft fees and to make matters worse they will not waive the charges so if they are doing this to me then they are compounding a lot of people with the same fee that I find very unnecessary. I have other banking accounts such as XXXX  XXXX  and they do not charge these fees. The problem with Wells Fargo is that they are everywhere. I truly don't think extracting money from someones account when they are below {$500.00} is evil and greedy.
Consumer complaint received 2023-05-19
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have new inquiries that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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. (IL)

In accordance with the Fair Credit Reporting act. The list accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This debt was owned by a previous debt collection company known as CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 

XXXX XXXX XXXX is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. 

Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # : XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES did not sell the original instrument because if CREDIT COLLECTION SERVICES didn't sell the original signed instrument of indebtedness ; then CREDIT COLLECTION SERVICES should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when CREDIT COLLECTION SERVICES produces the original instrument or proof that it has not been sold, which proves that I am obligated to CREDIT COLLECTION SERVICES. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX IN CO, and CREDIT COLLECTION SERVICES that shows I agreed to do business with CREDIT COLLECTION SERVICES along with XXXX XXXX IN CO or on behalf of XXXX XXXX XXXX CO. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX my account was overdrawn due to mobile deposit being returned less than 24 hours my account was blocked no reason was given however I called and explained I had no idea the payment would bounce since I was not the check issuer however I was told on XX/XX/XXXX my account was closed and blocked from depositing or any use of app or debit fast forward on XX/XX/XXXX my direct deposit which was more than the amount I was overdrawn was rejected only letter to be forced deposited words used by the bank on XX/XX/XXXX with the bank keeping not only the overdrawn amount which would have made my account positive but also my remaining balance they have since recanted that the account is closed its actually still open and I request it to be closed immediately to prevent any further charges or use on the account theyve refused while also denying me use of the account or my funds there in while telling me bank takes 30-60 to close and issue a check of available funds however this bank has chosen to wait 60 days and hold on to my government funded benefits with no letter of intent nor and authorization from me they have held my money hostage and have an account open in my name after I demanded it be closed I have no itemized list of where my money is or what Im being charged without access they since took additional money from the account and I have no idea what they are charging to this account
Consumer complaint received 2022-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (MI)

I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. 

This seemed like a phishing attempt to me because : 1. I've never shopped at XXXX XXXX 
2. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. 
3. They don't have correct information about my name.

4. The place on the letter where they are to list my bank institution is blank. 
XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. 

It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from Firstsource Advantage , LLC ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to XXXX XXXX XXXX, XXXX. 

I'm not sure what to do next. I haven't contacted either XXXX or Firstsource because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In XXXX when I had open accounts they again opened XXXX more of my accounts which were to be for my XXXX XXXX but termed them again as Personal Accounts and therefore I had XXXX open Personal accounts. They then closed XXXX of my accounts stating that there were fraud activity and only in XXXX they informed me of this but they closed all my accounts with no advice to me. 
I lost my total income and want Wells Fargo Bank to compensate me for my past and future XXXX XXXX XXXX XXXX. 
At present we are still working on this case.
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I called after reviving phone call and mail stating that I have an XXXX store account card. I do not have nor have ever had an XXXX store card or account. They never proved me of one. I called the custmer service concerning this problem. I have a copy of the paper work sent to me. I need a good email to respond with it. I have tried to upload and having some technical concerns on your website telling me that the file is to big. 

account number XXXX customer service number XXXX XXXX
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose