davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MD)

XXXX XXXX XXXX XXXX  account was opened using my information, for the amount of {$1600.00}, The account was originally opened reported to my credit report on XX/XX/XXXX, by Sunrise Credit Services. I filed a dispute with the credit agencies, the dispute showed that it was verified by Sunrise Credit Services. I contacted Sunrise told them that this was not my account from the information that they provided me over the phone. The account was open using an address in XXXX VA. I never lived in XXXX VA. I was told they would report it as fraud and send me a package to file out, verifying my information. I submitted documentation of proof of identification and also mortgage statements from the time the account was open in XXXX of XXXX, showing that I was living at my current address at the time of the incident. I also submitted a police report number XXXX with XXXX XXXX XXXX. The account was eventually removed from my credit report. In XX/XX/XXXX Sunrise reported the account to my credit report again. I contacted them and it was removed. On XX/XX/XXXX, Sunrise Credit Services has reported the account to the credit agencies once again, and it is on my credit report as a collection. I filed a dispute with the credit agencies and Sunrise has verified the account as mine. I contacted Sunrise Credit Agency, and they have not removed the account as of this date. I have filed a fraud complaint with XXXX XXXX XXXX  on XX/XX/XXXX. Sunrise Credit Agency is fraudulently and wrongfully repeatedly reporting inaccurate information to the credit agencies.
Consumer complaint received 2024-11-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC (GA)

Creditor texting and calling, asking me to pay for a debt originally owed to XXXX XXXX XXXX. Account was included in my bankruptcy that is still active. They are breaking the automatic stay that is currently in affect.
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (FL)

My Extended Warranty benefit has been denied despite meeting all of the written requirements of the program : Claim Number : XXXX - Citi card ending : XXXX. 

On XX/XX/year>, I filed a claim for a failed microwave that was purchased using my XXXX Citi credit card. Citi 's Benefit Administrator ( XXXX XXXX XXXX ) sent an email confirming the claim along with instructions regarding the required documentation : Required Documents : 1. Itemized Store Receipt showing purchase of item 2. Repair Estimate or statement of non-repair ( with diagnosis, breakdown of cost, and condition of item ) 3. Extended Service Plan, if you purchased one 4. Credit Card Billing Statement, if the last 4 digits on the purchase receipt do not match your Citi card number or are not displayed The required documentation was submitted via email on XX/XX/year>. For privacy reasons, a redacted credit card billing statement was submitted, which simply redacted purchases not related to the claim ( ALL other statement information was included ). 

On XX/XX/year>, XXXX  XXXX XXXX sent a follow-up email requesting : ***Please provide the full Citi billing statement showing the original purchase ( s ) and the last 4 of the card. Full billing statements can be requested online or at Citi Customer Service XXXX. Please note, we can not accept screenshots of transaction details or redacted statements. Thank you. *** When I challenged the need for the redacted information ( due to of privacy concerns ), XXXX  XXXX XXXX stated it was an internal requirement. When I asked to at least see the policy/requirement, they stated they could not provide it ( presumably due to privacy/confidentiality concerns ). 

My requests for escalation/review of the issue to both Citi and XXXX  XXXX XXXX have resulted in no relief from this unreasonable request/invasion of privacy matter. 

As a result, my XXXX XXXX  claim has not been paid and my benefit has effectively been denied due to an unwritten requirement that was never included or disclosed in the Terms and Conditions of the credit card agreement.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION (TX)

Bank Statements ( XXXX ) - Vectra Bank closed my accounts without cause ( within their rights to do ) - Vectra Bank refused to provide my bank statements for any of my accounts- I can not access them online - They will not send them to me or let me have them https : XXXX
Consumer complaint received 2024-11-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

A charge-off is an accounting term that businesses use to reflect a loss in their tax records. Wells Fargo Auto Dealer Services issued me a 1099-C to report this debt as taxable income to the IRS. However, the reporting from Wells Fargo Dealer Services is incorrect, as it does not represent a charge-off. Instead, it is classified as income, and this taxable income should not appear on my credit report as a charge-off. Therefore, it should not be reported in that manner.
Consumer complaint received 2024-11-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accredited Collection Service, Inc. (NE)

I suffered a devastating loss when my XXXX daughter passed away in a tragic accident, which led to subsequent XXXX  issues. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following weeks of XXXX, I incurred a debt of {$29000.00} with Account Accredited Collections. Despite attempts to pay what I could, their demands exceeded my financial capacity. They advised taking a home equity loan or risking foreclosure. As a single-income household with two other XXXX  children, I struggle to make ends meet. Recently, I received notice of an additional 7 % interest on the outstanding balance. I'm uncertain about how to proceed without risking loss of my home.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I received a letter dated XX/XX/year>, notifying me that my account had been permanently closed. The letter alleges that I " misrepresented the details on one or more of [ my ] disputes. '' However, Citi 's decision appears to be mistaken and inconsistent. I have submitted multiple disputes with identical information each time, and Citi previously accepted several of them as valid, issuing permanent credits to my account. Its contradictory for Citi to approve disputes based on these details while simultaneously claiming they were incorrect. Additionally, Citi has refused to release the remaining cashback points on my card at the time of its closure.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (CA)

When this account first appeared on my credit report I reached out to try to get more information. All I was told is that the only way to get more information is to pay. I informed them that I would not pay because this account t was not opened by me nor authorized to be opened on my behalf. They refused to help or give me any information unless I pay.
Consumer complaint received 2024-11-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year>, an XXXX of the company was presented in person with Copy of Death Certificate of vehicle owner, a copy of her Last Will and Testament, and original Affidavit for Collection of Personal Property, pursuant to A.R.S. Section 14-3971 ( b ), signed by beneficiary entitled to collect personal property of deceased, and notarized. When the company did not issue the new check requested to be issued to the beneficiary, numerous phone calls were made to the company, and then in XXXX XXXX, a certified letter was mailed to the company 's Estate Processing Department together with copies of the foregoing documents and completed and notarized Letter of Instruction and copy of the applicable statute under Arizona Law. The company has continued to ignore the valid request of the beneficiary to make payment to the beneficiary of the amount the bank was holding as a vehicle collateral sale refund.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( American exprees ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (CA)

I ordered XXXX chair paid cash for it I looked at chairs the next day just looking never ordered it they say I did order I told them no Isaid I wanted to send it back they never contacted me about returning it They opened a account to pay for it they never asked me if they could they just did it when I found out I called them and told what they did was against the law for them to do this without my permission and then not telling me that I would report them very dishonest then they didnt call me back just sent it to collections Then I was contacted by January collections and that is how I found out about the collections. What they did was wrong and I shouldnt be responsible for their dishonesty Collections January. Current creditor XXXX, XXXX. amount owed XXXX # XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MD)

I reviewed my credit report and became aware of a collection reported by IC System that was opened on XX/XX/year> with a balance of {$1600.00} for a medical debt. I do not have any medical debt. I am looking to validate this account and provide a breakdown for this debt and where it originated from. 

reviewed my credit report and became aware of a collection reported by IC System that was opened on XX/XX/year> with a balance of {$1600.00} for a medical debt. I do not have any medical debt. I am looking to validate this account and provide a breakdown for this debt and where it originated from. 

A fair resolution will be for IC system to use the upload tool on XXXX XXXX to provide validation- if they are unable to validate this debt they must remove this account from my credit report immediately.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

I make a wire transfer on XXXX for {$13000.00} XXXX Dollars to XXXX XXXX XXXX XXXX is equivalent to {$250000.00} Mx pesos. 
The money will be available XXXX but not, I contacted to Wells Fargo and XXXX opened a claim and XXXX  recognized XXXX money and XXXX will XXXX the money XXXX and dont do it. I call to Wells Fargo XXXX and they opened another claim to return my money to my account and asked me for XXXX labor days. I call today XXXX and they said they need 30 days.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (MS)

XXXX XXXX There are several accounts from this company, but this particular account does not belong to me. I am formally requesting its removal from my report, as I have never been late on any payments. 

Account Number : XXXX Balance : {$2700.00} Date Opened :XX/XX/2019 Fraudulent Collection I have no knowledge of this company, nor did I authorize the original creditor or collection agency to use or obtain my information. Please delete this account from my report. 

Collection Agency : XXXX XXXX XXXX XXXX XXXX  Balance Date :XX/XX/2024 Original Creditor : XXXX  Account Number : XXXX Balance : {$510.00} Fraudulent Inquiries :XX/XX/XXXXRequested On : XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX REGIONAL ACCEPTANCE Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX TRUIST DEALER SERVICES Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CAPITAL XXXX VIA DEALER Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX CANNON XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX Requested On : XX/XX/XXXXXX/XX/XXXXInquiry Date : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX) Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (MS)

XXXX XXXX There are several accounts from this company, but this particular account does not belong to me. I am formally requesting its removal from my report, as I have never been late on any payments. 

Account Number : XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX Fraudulent Collection I have no knowledge of this company, nor did I authorize the original creditor or collection agency to use or obtain my information. Please delete this account from my report. 

Collection Agency : XXXX XXXX XXXX XXXX XXXX Balance Date : XX/XX/XXXX Original Creditor : XXXX Account Number : XXXX Balance : {$510.00} Fraudulent Inquiries : XXXX XXXXE Requested On : XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX VIA DEALER Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX CANNON XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of XXXX ) Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXl XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (FL)

M & T bank shows 30 day late in XXXX. All 3 credit bureau are showing the. Dispute with all 3. M & T BANK even verified with me over the phone that I have never been 30 days late. Need this removed. XXXX came back 24hours later telling me results were accurate. That's incorrect. Please contact all 3 credit companies and have this removed. Has significantly decreased my credit as I had maintained above XXXX for over 10 years. Now it dropped my score XXXX points.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CO)

I received an offer for a State Farm XXXX US Bank credit card. The initial solicitation included an incentive of {$150.00} cash back if you spend {$500.00} on the card within the first 90 days. 

The card when received had all the benefits listed as in the initial solicitation encouraging one to apply, except for one the {$150.00} cash back offer. 

No surprise. Why would the bank want to remind customers of that benefit that depending upon the number of people who sign up and opt in for that benefit would result in the bank having to return a portion or charges to its newest customers?! 

I know this is peanuts with what your agency is working on before the XXXX XXXXXXXX XXXX the agency but thought to get this on record. 

Please also burn my submission so I dont go on the enemies from within list.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX  LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NY)

I believe the account is invalid. Transworld System Inc. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.Transworld System Inc. XXXX
Consumer complaint received 2024-11-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XXXX XXXX XXXX keeps calling me nonstop about my USAA debt owed. sometimes they called multiple times in a day. I am very sick with many health issues as a XXXX veteran and there are days I cant answer my calls. they are harassing me with repeated calls 5 days a week