davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
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)

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( TransUnion, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( TransUnion, XXXX, XXXX  ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (DE)

Dear Collector, I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : XXXX the amount of the debt ; XXXX the name of the creditor to whom the debt is owed ; XXXX verification or copy of any judgment ( if applicable ) ; XXXX proof that you are licensed to collect debts in Maine ; XXXX proof XXXX the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within XXXX  days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the XXXX and Experian data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

Good morning my name is XXXX XXXX and I am writing to you to report XXXX XXXX XXXX from XXXX, OH. 
I wrote them XX/XX/2018 to ask them to please validate the debt and they never responded.
Consumer complaint received 2018-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Our XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ, XXXX. We received initial notice from them in the form of marketing materials in XX/XX/XXXX, saying they had bought our loan and more information was to follow. They never followed through with any further information. We received a letter from our old servicing company, XXXX, dated XX/XX/XXXX, advising us that XXXX XXXX XXXX was our new servicer after XX/XX/XXXX. That letter included the new XXXX XXXX XXXX loan # XXXX. XXXX XXXX XXXX has never sent us a welcome package, any kind of statement, nor instructions as to where payments are to be made. I called their customer service and they don't have any information about the loan number and wouldn't talk to me. We registered on their website and the loan number cross references to our address, but there is no loan information. The next payment is due on XX/XX/XXXX and XXXX XXXX XXXX has not provided us with a statement, payment booklet, account information, or any useful information to assist us in making our payment on time. We find this to be quite absurd given the fact that they have been sending us marketing materials and calling us with marketing offers since XX/XX/XXXX. The last payment that XXXX will accept was made on XX/XX/XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Someone has been using my information and using an address I never lived at. 

Account name XXXX  XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX  Account name XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My credit report contains inaccurate details that are subject to 15 USC 16c-2. This misinformation is negatively impacting my credit, and the hard inquiries were not approved by me.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Nelnet is erroneously and arbitrarily charging my interest on my student loans that were in save and now in forbearance. 

From nelnetsnown admission, they have no idea what they are doing. They claimed I had {$81.00} in unpaid interest, which is mathematically impossible, as over {$100.00} of interest was paid on XX/XX/XXXX, and somehow {$81.00} accrued in 2 days. 

They also claim they have applied interest to my account after XXXX XXXX XXXXXXXX and also said that under the save program no interest accrues month to month, they also said the save program ruling forbearance went into effect XX/XX/XXXX. 

My interest was increased since XX/XX/XXXX, and interest has been paid, that should now have been paid according to the XXXX. 

Ive sent a complaint in, and nelnets response was not logical, and I dont know how it was closed. They contradict themselves and actually agree with my in their response. 

CFPB is admitting to charging interest to accounts and then lying about it multiple ways.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I am writing to formally request clarification and resolution regarding a {$300.00} bonus I was eligible to receive after opening a Citibank checking account on XX/XX/. According to the terms of the promotion, I was required to meet a threshold of {$1500.00} in enhanced direct deposits, which I have since fulfilled. 

Despite meeting these requirements, I have encountered conflicting information through your support team via chat regarding the status of this bonus. Some representatives have given me unclear or inconsistent timelines, leaving me uncertain as to when I will receive the bonus, or whether I will receive it at all. 

I kindly ask that you review my account and expedite the disbursement of the {$300.00} bonus I am entitled to. I have fully complied with the promotional terms, and I would greatly appreciate receiving the bonus as soon as possible. 

When I attempted to clarify this matter with your support chat, I was instructed that I was required to deposit {$3000.00} in order to receive a bonus. This is not at all what the offer page on the website said. 

Please respond at your earliest convenience to confirm the status of my bonus and provide an expected timeline for when it will be credited to my account.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (GA)

I included dates from XXXX, XXXX XXXX to XX/XX/XXXX of inquiries that I did not have dealings with. I am a victim of fraud and with the FCRA Section 605B ( 15 U.S.C 1681c-2 ).

Please investigate this matter, and under the FCRA, I request that you immediately remove this fraudulent account ( s ) and Inquiries from my credit report. If necessary, I am available to provide additional information to facilitate your investigation. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I got my phone stolen on XX/XX/year> while in XXXX XXXX, CA around XXXX while leaving the bar. I noticed right away. The next morning XX/XX/year> I went to chase bank to have them cancel my card. There was a charge on my credit card for {$1500.00} at the XXXX XXXX. This payment was not me. I had XXXX XXXX on my phone that the thief used. 

Following going to chase bank I went to the police station to submit a police report. I reported this charge as fraud when I gained access back to my account. The charge was originally taken away. I was informed that they found this charge " valid '' and that the charge will be placed back on my card. I called customer service for weeks asking what I could do. I submitted my police report on XXXX. They said this was not enough information even though they said it would be. 

I just opened by credit card back in XXXX. I never had high chargers like this one. The customer service team is not helping me resolve this fraud.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (MI)

I was a victim of identity theft through data breaches numerous times. There is a charge off showing on my account that isnt mine. I Contacted company for 1099-C as verification. Company refused. This is not my debt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : 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 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

We closed our HSBC Platinum MasterCard credit card account on ( or shortly after ) XX/XX/XXXX. The card still had a balance at this time. Upon closing the account, we were forbidden from making payments online. However, no paper statements were ever mailed and no payment address was provided online. We repeatedly called and asked to be sent statements. 

On XX/XX/XXXX, we made a monthly payment over the phone and requested again to be sent a monthly statement ; in response, the statement for which he had just paid was sent, but no further statements were sent and no due dates or amounts due were ever provided. 

On XX/XX/XXXX, we were charged a {$25.00} late for failing to make a payment, even though we never received a bill and were not allowed to pay online. Our account, which previously carried 0 % interest until XX/XX/XXXX, is now incurring interest daily. Furthermore, our credit score is potentially damaged due to the late payment. 

All of this appears to be a deliberate attempt to extract fees and interest from customers by forcing them to miss payments on their account.
Consumer complaint received 2018-08-18
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: EQUIFAX, INC. (FL)

I have been contacting Equifax for the last three months to remove four collections that are not mine They continue to cause me problems XXXX and XXXX have fixed and also Equifax had put a fraud alert without my consent I am also unable to file disputes or pull my credit online because the questions they ask to verify me is inaccurate and not real They dont care and they continue to sabotage my credit and reputation Here is the following collections that are not valid along with not mine and fraud XXXX XXXX {$45.00} and {$35.00} I have told them this was taken care of back in XXXX they continue to report this as real along with an unauthorized charges from XXXX XXXX XXXX for {$620.00} and I was not in or living in virginia and I had submitted proof along with the fact that if they were actually doing a real investigation would see this by my addresses on my credit history as proof too. Now I have a new charge from XXXX XXXX XXXX for {$690.00} as someone used my identity and the police told me to notify the credit bureau and Equifax does not fix this along with a collection to XXXX XXXX XXXX for an inaccurate collection as I have had Medicare and Medicaid insurance for 9 years I was not even living in virginia or there the time of change along with XXXX XXXX I had lived at that address previously 9 years ago and do not know who is the company Also the XXXX XXXX   charges were in XXXX and a collection company illegally opened up credit collections on me when these were paid and also by law should not be reporting the collection company decided to add in a new name Equifax gives me so much problems and makes my life very complicated and do not fix the issues Equifax had also told me last year I was included in their data breach and they have not dont their job to make things accurate and fair for me
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (TX)

Reopen closed case involving Wells Fargo Bank Below is a copy of the correspondence sent to Wells Fargo. Customer Service Department Wells Fargo : I am writing to address a matter of significant concern regarding my account with Wells Fargo. It has come to my attention that unauthorized activities have occurred on my account, including enrollment in various banking products without my explicit consent continues. I want to stress that I did not authorize Wells Fargo or any of its partners to monitor my credit, share my information with other entities, or enroll me in any additional services. It is deeply troubling to discover that my privacy and autonomy have been compromised in such a manner. I continue to receive notifications about changes to my account. This ongoing breach of trust has caused me significant distress and inconvenience. I recalled years back both my daughter and I received notification regarding a Class- Action Suit, and submitted a claim, but never received information on its resolution. I am aware of the Retail Sales Practices Remediation Program and believe that both myself and daughter ( I was co-owner on her acct ) are eligible for compensation as a result of the unauthorized activities that have occurred on the accounts. I have been a customer of Wells Fargo for over 20 years. I am formally requesting that Wells Fargo take immediate action to rectify this situation and provide me with the compensation that I believe I am entitled to under the Retail Sales Practices Remediation Program, and immediately cease Credit Monitoring Services. I trust that Wells Fargo will handle this matter with the urgency and seriousness it deserves. I look forward to receiving confirmation that my concerns have been acknowledged and addressed promptly. 

Representative XXXX XXXX indicated since I was finally able to cancel services, XXXX unable to established when services started and therefore denied any compensation associated with companys illegal practices.

Ive attached one if the emails I received from Well Fargo in XXXX. Normally emails older than 1 year are deleted. Im working in retrieving older emails that clearly delineated WF involvement in these illegal practices spanning years back.
Consumer complaint received 2018-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018, and again on or about XX/XX/2018. I requested the Method of Verification via return receipt certified mail. Transunion refused to provide me with their Method of Verification.
Consumer complaint received 2018-06-20
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: Bread Financial Holdings, Inc. (PA)

XXXX XXXX- XXXX XXXX. They keep calling threatening me ' if you have an attorney have them call if not we will asset you are not interested in settling this matter and we will have to take further steps ' they send d letters I got one in XXXX stating pay. {$66.00} by XX/XX/XXXX. I paid XXXX yet they are not satisfied! I wAnt to pay my bills, but my husband and me ran into hard times. Try going through cold wuss with no heat taking cold shower s. It was more important to get oil so we had to let the charge cards go. Plus they don't work with you- by stopping interest they just keep adding it on. Please help they should be sued for harassment! I can not even ask questions when I call they know your information from caller I'd, yet they won't help or give info out. Today was the last straw I want something do e. Their number XXXX XXXX. Extension ( ( XXXX )