davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report.

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received a phone call from XXXX XXXX XXXX, and spoke with XXXX XXXX. The phone numbers she called me on are XXXX ( registered to an auto repair company ), and XXXX. She said I owed HSBC over {$2000.00} and that I have not been responding to any of their correspondents. I have no received anything in writing, email or phone calls until XXXX. She would not give me any information except the last four of the account number. I checked my credit report and let her know this was not my account. She proceeded to tell me it did not matter because it is associated with me and I have to pay it. She also proceeded to tell me that it XXXX I received the short end of the stick. Also, she informed me all credit agencies do not report to the credit bureaus. In my experience, I have always had all of my loans, credit cards both in green and collections how up on my credit report. Once she bullied me enough, I asked her if there were options since I started to believe I did something wrong. She let me know I can make 6 payment of {$270.00} or a one time payment of {$1200.00}. I proceeded to call HSBC and spoke with a gentlemen ( I could not understand his name ) who confirmed I do not have any accounts with HSBC. When calling her back she let me know I should not have done that and that is illegal. At that point, I was done and just wanted to speak to her supervisor however was railroaded and bullied again stating this is my debt and if I am trying to by time or skate by and not pay it was not going to work. I told her I would call her back since I still did not believe I should pay for something that is not mine. I spoke with my parents and researched the numbers to find it was SPAM and others have dealt with the same thing. I decided to not call her back and let it go since i knew it was not my debt. She has since called me three times leaving voice messages telling me again how sorry she was that I got the short end of the stick, that i should not have wasted her time and she will still file for employment verification to garnish my wages on Monday. She has also called my sister, mother, father and aunt looking for me and said a few choice words to my father. When speaking with my father she told him, " sir, your daughter likes to spend a lot of money and buy things. '' When calling my sister, aunt and mother she continued to bully, harass and hang up on them each time.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NE)

I HAVE SEVERAL INQUIRES I HAVE NO KNOWLEDGE OF. I DONT HAVE A CLOSE OR OPEN ACCOUNT WITH THEM AND DID NOT REQUEST CREDIT FROM THEM. WHEN I CONTACTED EQUIFAX THEY DID NOTHING, TOLD ME THEY COULD NOT DISPUTE THEM. THEY DIRECTED ME THE CREDITOR AND I HAVE SENT THEM LETTERS WITH NO REPLIES BACK. NON OF THE CREDIT BUREAU CENTERS WANT TO HELP OR REVIEW. XXXX XXXX XX/XX/XXXX5 ANDXX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXXXXXX XXXX, XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXI XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX    XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX CXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXL  XX/XX/XXXX
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (SC)

I called company to gain knowledge on what account was for and they spoke to me very unprofessionally and with an attitude. Company failed to validate debt within 30 day period. I sent out two verifications letters on XXXX XXXX, 2017 and XXXX XXXX, 2017 both were signed for on XXXX XXXX, 2017. An agent signed for both but failed to date not one but both of my return receipts. I tracked my letters and was able to verify the date of receipt. They never responded to me. I notified all credit reporting agencies about their failure to respond within 30 days of my initial dispute now they are attempting to make contact to verify after I reported to CRAs that they never responded. Upon tracking notice left on door it is from XXXX, Florida. I am not expecting mail from anyone there and this is where they are located. I havent went to pick letter up because post office has closed. I no longer live at address I am homeless because I lost my job no one will rent to me because of false information reported. Renting anywhere is impossible because of them. I occasionally check mail at previous address. They are ruining my Credit and violating my rights. My letters were sent in XXXX, it is now the end of XXXX.
Consumer complaint received 2017-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

When I checked my credit report I saw that a company called XXXX XXXX XXXX was reporting that I have an account with them. They are reporting that I have a balance of {$7300.00} and I have a past due balance as payments have not been made. Once I noticed this on my report I immediately sent a letter to dispute and request valid proof that I owe them this debt. They received and signed for my letter on XXXX XXXX 2017. I sent the letter certified mail and received a signature confirmation. They sent me a response on XXXX XXXX 2017 stating that they do not have any documentation with my signature or any valid proof that I have any contractual obligation to pay them. All they have are statements showing a purchase which is not considered valid proof under federal laws ( FDCRA, FCRA ). I sent them a response letter again requesting validation of the debt ; I informed them that if they can not validate the debt they have to remove the information from my credit report by federal law requirements. They received and signed for my letter on XXXX XXXX 2017.  They never responded and they also failed to add a " notice of dispute '' to my credit report within 30 days of receiving my original dispute letter. On XXXX XXXX 2017 I pulled my credit report and saved a dated copy as proof that they did not add a notice of dispute. I sent another letter to inform them that they violated the law and should remove the derogatory and incorrect account from my credit reports to prevent further action. They received and signed for my letter on XXXX XXXX 2017. I even spoke to them on the phone on XXXX XXXX 2017, I was informed that no investigation had been opened and that they would open one now which could take up to 60 days to complete. This is unacceptable. They do not have any proof to validate this debt and therefore they are in violation of the law of they continue reporting it.
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (AZ)

We tried to create an online account following AMCOL 's instructions, but could not so we can not track any payments.
AMCOL assigned two different account numbers to the same bill of {$150.00} and sent statements for collections.
We have sent them copies of the bills, screenshots of the AMCOL site error message and a letter.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

I was in and out of town for a XXXX  due to my XXXX XXXX XXXX  XXXX  and my kids were with me. Then I was out of the country for XXXX  days. My email and phone were hacked and took time to get them back but didn't notice anything bc I was stressed and not paying attention to email. Someone used my card to have over XXXX shipped to my house but also picked it up. I would never know. We generally are not home a lot, especially during this time and I work a lot. Other people told me this is the latest thing. You can look at my credit history and see I have never spent that much money in a couple weeks on what looked fluke clothes. I don't spend that in a year. I have XXXX kids I'm helping through college. Been doing it alone and now more than ever, plus XXXX XXXX. I can not afford to pay for something I didn't do. It's been a XXXX enough year now this. Please help. I already had life lock so I thought they would alert me. I thought life lock was enough.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK (CO)

Companies Involved : FirstBank of Colorado XXXX XXXX I am writing you in regards to the XXXX Account Updater program. Now my card was compromised a week back and my bank issued me a new card. I had the card in the mail along with a letter from my bank informing me to update important account information. Now I checked my bank statement the other day and saw that XXXX charged my account for about {$10.00}. I specifically know in my mind that I did not give out my new card to XXXX. I called my bank and explained the issue and they informed me that it is an automatic payment that updates my accounts. I did not authorize my new card number to be charged but it was anyway. My problem is not the amount but the fact that XXXX got my private card information from my bank. I am writing to you on Tuesday XXXX XXXX, 2017 as I just got off the phone with my bank FirstBank of Colorado. I asked for them to opt me out of this program but I doubt they will. This is important and big, and is something that people should know about as companies should n't be able to charge your card without you knowing or without your consent.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I disputed through equifax and now there are an additional XXXX+ inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
Consumer complaint received 2023-02-14
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: Army and Air Force Exchange Service (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I do n't agree with the fees XXXX XXXX is charging to make payments for student loans. The following is copy and pasted from their site on fees for payment : -- -- -- " ONE-TIME OR RECURRING PAYMENT USING YOUR CREDIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME OR RECURRING PAYMENT USING YOUR DEBIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
A fee of {$1.00} will be added. 

All applicable fees will be displayed after you enter your payment information. You will have the ability to review any applicable service fee before you submit your payment. 

You also have several fee-free payment options : RECURRING PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
No service fees are applicable when setting up recurring payments using your checking or savings account. 

MAIL CHECK OR MONEY ORDER. 
Make your check or money order payable to your school and mail your payment to : XXXX XXXX, Attention : XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. Be sure to include your Heartland Account in the memo section of your check or money order. 

THIRD-PARTY BILL PAYMENT SERVICE. 
You may use your banking institutions bill payment service or a third-party bill payment service. Please note that while there is no payment fee charged by XXXX XXXX, your bank or the third-party bill pay service may charge a fee to submit the payment on your behalf. '' -- -- -- Based on their fee list, the only plausible recourse for making a payment without incurring cost on the part of the borrower would be to enroll into their autopay system, as having checks printed cost money and so does postage. 

The fact that a fee is charged for a using a checking or savings account to simply make a payment is ridiculous. Never have I encountered such a fee. It is simply consumer unfriendly. 

Then, insult to injury, if the borrower is on a quarterly payment system, setting up autopay is not possible online. The borrower has to call them during their business hours and days : -- -- - " IMPORTANT MESSAGE FOR BORROWERS ON A QUARTERLY REPAYMENT SCHEDULE. 
Please note that recurring payments are drawn on a monthly basis. If you are on a quarterly repayment schedule and wish to set up recurring payments that would draw from your account on a quarterly basis, you will need to contact Customer Service at XXXX "
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I was charged overdraft which I expect.. {$35.00}. But an extended overdaft was charged to me a week later for {$25.00}. Its obviously hard enough to pay it back, why make it harder? I 'm already being charged {$12.00} a month to have the account and the make interest on my money.. what the XXXX are they doing for me to cost me so much money??? Its ridiculous. It 's illegal
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

Was told that upon payment ERC would forward to all credit bureaus a letter in regards to deletion from my credit report. Sent a dispute to XXXX and they deleted it however XXXX and XXXX has not done so or have not been notified by the collection company.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, and have done so many times successfully prior to this.

I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter.
Consumer complaint received 2017-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

My card was used fraudulently XXXX XXXX XXXX at XXXX XXXX XXXX 's in XXXX in the amount of {$85.00}. My credit card company Capital One was informed and stated that I would be issued a new card and my account refunded. On XXXX XXXX I received a letter stating that the card had been deactivated, a new card mailed, and my money refunded. On XXXX XXXX I received my statement which showed the refund and it was also reflected in my available balance. On XXXX XXXX I attempted to use the money and my card was denied. When I called Capital One I was told that the money was on a 30-90 day fraud hold and was unavailable until the investigation was completed. This was not stated at anytime and I feel my money is being held fraudulently and should be made immediately available. When I have their money I pay interest however they are not offering to pay me interest. They refuse to provide proof that they stated 30-90 days even though I have provided proof of them saying it was refunded. One agent even asked me if I was the one that actually made the charges even though the charges were done in XXXX then immediately followed by a charge in Illinois and I live in Washington state and have never been to either place. That was insulting and unprofessional. I humbly request that you investigate this matter and provide relief as you see fit.