davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Hello, my name is XXXX XXXX, I have been having problems with this collection agency for some time now I have been contacted by the debt collection agency by the name of " XXXX XXXX XXXX XXXX '' located in NC since the debt went into collection, they were charging me a bigger amount than the original creditor. The debt that they are claiming to be mines is not valid and it doesn't belong to me and is invalid. On XX/XX/XXXX I sent out a debt validation letter to the collection 's agency stating that provide me with valid information showing that the debt was mines, I mailed it to the company by certified mail to make sure the company received the letter and they never reached back out to me to show proof that the debt was mine and that the debt is valid. I have proof of the letter and the date the letter was sent and received by the company I gave them a 30-day validation for the debt, and I still haven't heard anything back from the collection agency, so the debt is not valid, and it's not mines.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/XXXX, I was contacted via text by Truist bank with a " one-time passcode ''. I do not bank with Truist nor have I ever had an account with them. I have had the same cell phone number since XXXX so this is not an issue of a non-updated phone number. I don't remember how difficult the resolution was but I think after a couple phone calls they stopped. 

On XX/XX/XXXX, less than a year later, I received another text from Truist with another " one-time passcode ''. I replied " STOP '' to end the alerts but got a reply saying my number wasn't verified and to call XXXX. XXXX confirmed that the number was the proper Truist support number, so I have no reason to believe this is spam or phishing. 

I called them on the XXXX after receiving the text, concerned that a bank was voluntarily sending me someone else 's sensitive login information. I got multiple runarounds from different reps, including being disconnected at least once. XXXX of them transferred me to what he described as " the XXXX XXXX department '' which wasn't even connected to Truist. XXXX of them said they can not do anything with just a phone number and that I should just ignore the texts. XXXX of the XXXX asked for my social security number to see if he could find an account. This seems like a serious lack of interest in security.
Consumer complaint received 2022-10-02
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: Self Financial Inc. (CO)

There is a credit card company that offers many financial products called Self INC. I have been using their credit card for XXXX years building credit. I noticed around XXXX some company named XXXX charging my card a huge amount of money over XXXX dollars a month. I notified Self to send me a new card immediately and to change my card number back in XXXX. They did send me a new card and number but refused to follow up with investigation. I noticed this fraud company had access to my new card information ( which I have no clue how ) and charged me in XXXX. I Immediately let Self know through their email portal and to send me a new card. XXXX XXXX was the same this company charged me again. Self is refusing to investigate fraud, and I believe someone at that corporation is giving my information illegally to fraud companies to do random charges. So far I am at a lose up to XXXX dollars that might never be returned. I had a lot of trust in Self but they have refused to fix the issue or help in the matter. I want this account closed immediately and they should have done so long ago. Since this account is a Secured account I am at a lose. Self also failed to launch an investigation nor did they follow up with the decision. I have lost my trust and faith in this company and believe they are also predatory by how they do not keep consumers safe from fraud.
Consumer complaint received 2022-10-02
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. (OK)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted 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 2022-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kirschenbaum & Phillips P.C (NY)

Debt collection company lawyers ( Kirschenbaum & Phillips ) wrote me a harassing letter ( XX/XX/XXXX ) to collect a debt that was proven uncollectible in XXXX civil court after successful motion, by me, on ( XX/XX/XXXX ) removed the case to private arbitration with XXXX. The debt collection attorneys refused to pay for our arbitration fees, as stipulated by the XXXX XXXX XXXX member agreement they bought, as well as by an active court motion that ordered them to from XX/XX/XXXX. They ignored XXXX arbitration and the XXXX courts orders and offers to resolve or settle this alleged debt dispute. They proceeded to ignore, deny, and wait until they presumed all court and arbitration actions were done to resume harassing me again with letters on this unproven, uncollectible, and now statute dismissible debt. The dental debt is from XX/XX/XXXX. The Statute of limitations in New York State for credit card dental debt is now 3 Years as per a newly enacted law. They need to stop the harassment on invalid and uncollectible debt.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CT)

Comenity Bank has not reported correctly since XXXX. For 4 months nothing was updated. Numerous online messages and complaints were sent in. They have done nothing but have an excuse of a new website. Then all of a sudden, about 6 weeks ago, they decided to report a random amount in the middle of a statement cycle. Thus my credit lost XXXX  points because of this. They refuse to fix or acknowledge they reported this random amount when indeed my balance was and has been XXXX every statement cut-off. I pay this card in full monthly and have for years. Right now, for XXXX weeks they are showing a balance of over XXXX. Now today, they are showing XXXX and my payment isn't even due till the XXXX. They reported a random amount again today, XX/XX/22 I want my correct amount fixed and reported and for this never to stress me out again.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my ongoing frustration and dissatisfaction with the repeated, unsuccessful attempts I have made to remove fraudulent items from my account. Despite my persistence and the compelling evidence I have provided, these fraudulent items continue to linger, adversely affecting my financial well-being and personal security. 

I initially identified several unauthorized and fraudulent entries associated with my account. These entries encompass fraudulent items, such as unauthorized inquiries, collection accounts and inaccurate addresses. 

In response to the discovery of these fraudulent items, I promptly initiated disputes through your official channels, presenting compelling evidence to substantiate my claims. I specifically requested the removal of these fraudulent items. However, my initial disputes were not resolved in my favor, and the fraudulent items remained on my account. 

Undeterred by the initial lack of resolution, I made several follow-up attempts to dispute and rectify these fraudulent items. I supplied additional evidence, communicated with your customer support, and sought further assistance from your representatives, hoping to correct this situation. 

Despite my continuous efforts, including this second round of disputes, the fraudulent items remain on my account, causing significant financial and emotional distress. Their presence continues to adversely affect my financial reputation and security. 

I demand immediate action to remove these fraudulent items from my account. A thorough investigation into their origin is necessary, and my account history should be updated accurately. I also request written confirmation once these fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial stability but also erodes my trust in your organization 's ability to protect my sensitive information and manage accurate financial records. I am asking for your assistance to remove the following fraudulent items 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-02
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. (GA)

I am writing to file a complaint on file for the violation of my rights by your company. This is not a new dispute to be placed. You have a grave responsibility to make sure that a formal investigation is conducted and if during the investigation any information not verified must be deleted. Unfortunately, I don't have confidence that you properly verified the alleged bankruptcy listed on my consumer file. According to your response to the cfpb complaint that the source is listed on my consumer file and your website, all public record sources is the federal court and XXXX XXXX. 

I contacted the XXXX XXXX and received a letter from the clerk that the XXXX courts does not report to consumer reporting agencies. I contacted XXXX and received a letter that the alleged bankruptcy was not verified and was removed my XXXX report. Also effective XX/XX/2022 XXXX XXXX verified that all Public record information has been suppressed. So How did you conduct an investigation and verify information that is not listed with your sources? 

I have the right privacy and confidentially, you are in violation of 15 USC 1681i ( 5 ) -Procedure in case of disputed accuracy section 5 Treatment of inaccurate or unverifiable information. 

Attached are proof that the alleged bankruptcy is not listed with your public record sources.
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

US bank is holding a deposit for extended time. I normally have my paycheck deposited remotely for the pat 2 + years and they hold $XXXX then release the balance 24 hours later. Now with my recent deposit  onXX/XX/2018 for $XXXX they decided to without  warning hold a large portion of my funds for and extra 7 days. This severely affects my family and is not acceptable. How can a bank change or enforce policy as they feel fit? I have spoken to them and no one in their organization is willing to do any thing. I called the brach where the deposit was made and they wont help. My family now suffers because a corporate monster decides to hold my hard earned money, unacceptable!!
Consumer complaint received 2022-10-02
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. (TN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted 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 2022-10-02
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. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-10-02
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-10-02
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/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Law Office of Michael J. Scott, PC (CA)

Re : file number XXXX ( scott and associates internal id ), received a paper letter on XXXX XXXXnforming me that they are investigating a fraud claim. 

Scott and Associates, Your client, XXXX is involved in fraud that was exposed to me by the collapse of XXXX. I have made your client aware of this fraud. Your client has failed to comprehend anything that I say to them, and has been harrassing me for nearly a year now. 

I am suffering an estimated XXXX XXXX usd per week in damages due to the fraud. 

I request that you stop harassing me or contacting me in anyway regarding this account, and I demand that you immediately return my bitcoin and compensate me for damages. 

I will not discuss the case any further with your client as it gives me a great deal of XXXX Figure it out.
Consumer complaint received 2023-10-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (ID)

On XXXX XXXX XXXX my Federal Student Loans were fully discharged as part of my XXXX XXXX XXXX  proceedings. The court confirmed that Nelnet was duly notified of my impending discharge and did not contest it, leading to the finalization of the discharge. I believe Nelnet was aware of this, as they temporarily removed the debt from my credit report. However, it has since been reinstated by them, which is legally incorrect. I have uploaded the certification of my discharge to the Nelnet website and have also sent messages and emails to them numerous times regarding this issue over the past month, but I have yet to receive any response or acknowledgment.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-10-02
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-10-02
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: HCFS Healthcare Financial Services of TeamHealth (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC. (TX)

Sun Loan, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is showing a hard pull for dates as follows of which I didn't give permission for these inquiries ; XX/XX/2018, XXXX XXXX, XXXX XXXX and XXXX XXXX. Please, correct this information. Thank you, XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NJ)

Where do i begin. 

I have a US bank secured card. I missed a payment because i was too focused on paying other bills. Mortgage, insurance, Etc. They apparently charged me a late fee. First of XXXX months ago. then a whopping XXXX. Now XXXX. The latest is not they charged me a XXXX late fee and then come telling me that they want a whopping XXXX minimum payment. When i called them to try to explain and ask them to waive the late fee, they come telling me that " it is not in their policy ''. I have never heard of such foolishness in my life. They expect to make a minimum payment of XXXX when my other cards have never asked for that much. I am not understanding this. US bank will not work with anyone and it is not fair. I am not going to postpone paying other bills just ot make their ridiculous minumum payment. Then they come telling me that the amount due includes a late fee. I have never in my life heard of a late fee of XXXX. I think that this bank is profiting off of these high interest rates making customers pay these outrageous fees. The worst part is, it is a securred card. meaning my money was put up as collaretral. I am not understanding this. I refuse to put off other expenses just to pay some mininum payment that is more than my unsecurred cards.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I need Capital One Bank to send me a letter verifying the last credit card account I had with Capital One Bank that was closed and the amount I currently owe Capital One Bank for the closed credit card account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX