davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (PA)

XXXX called Citibank regarding balance transfer. It was not available to me online. The CS rep asked for the account number. I gave him the number and bank name. Told him to transfer the amount of {$980.00}. He processed it. Watching the app the transfer said pending with the amount but there was no bank name listed on the app. XX/XX/year> followed up because transfer hadnt posted. The CS rep said it would post by XX/XX/year>. On XX/XX/year> received a text that transfer processed. Looked at my account ( to be paid ) and saw nothing pending. Checked citi app and saw the transfer was sent to the wrong bank. Called Citi CS and the rep tried to calm me down by saying that maybe the bank name changed in the last few weeks. I told her that was rediculous and she needed to void the payment. She insisted I give is a few days. I hung up and called back 2 more times that day until someone filed a dispute. At no time did they close my card to protect me. They also said there was no reference number for said dispute. They are not willing to return the {$980.00} plus transfer fee currently. One rep said they needed to get their refund first but at this point who knows if that is true. They did say that I would get an email outlining their process. ( Which I later find to be untrue ). Called again on XX/XX/year> looking for confirmation, was transferred to investigation department who then transferred me back to CS. Neither helped me. Called again XX/XX/year> twice because one rep said there was no dispute on file then the second rep said there was. Something does not feel right here. I am responsible to pay based on the total balance even though they did not pay my bank. I also had to send a second transfer plus fee because this one didnt go through. HELP!!!

**attaching document as a visual of how unclear a balance transfer appears on their app. The {$980.00} was already cleared but I had to make another transfer to cover the balance. As you can see it does not say which bank is being paid. Therefore every time I checked I never knew there was something wrong
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I received a payment from a client through Chime. I created an account so that I could access the money and transfer it to my bank account. This worked. However the next payment I could not transfer as Chime says they sent a physical card and this needs to be activated in order to transfer the money. I can not transfer or even refund the money. They refused to help me while on the phone and hung up on me. They are basically stealing peoples money.
Consumer complaint received 2024-10-31
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc. (FL)

The company has yet to provide me with any proof of a signed agreement to do any business. I have made an attempt to contact the company with no success. Have not been able to reach an agent but this is a reoccurring debt that is appearing on my credit report. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX, I presume that no proof of the alleged debt, nor therefore exists.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft and some credit bureaus are refusing to removed other address related to fraud of my credit report. I am requesting to Block fraudulant addresses. 

All information have been provided here with statement and all attachments - appropriate proof of the identity of the consumer - a copy of an identity theft report/police report - a statement by the consumer the incorrect information as a result to identity theft
Consumer complaint received 2024-11-02
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: Pendrick Capital Partners (VA)

I asked 'XXXX XXXX XXXX ' to validate the debt. I asked original debt collector 'XXXX  XXXX XXXX to validate the debt. Neither could do so. There were two previous collections agencies involved : 'XXXX XXXX XXXX ' and 'Pendrick Capital Partners ' . I have never received any correspondence from any of these agencies.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital System is showing a collection amount owed in the amount of {$4500.00}. I have asked for proof of purchase as I am trying to clean up my credit and verify all debt. No records have been received after disputing and requesting with credit bureaus.
Consumer complaint received 2024-11-02
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: Cascade CISS Holdings, LLC (IN)

To : Xactus My names XXXX XXXX Im writing to inform you that your company placed and unauthorized inquiry on my credit report on both XX/XX/year> as well as XX/XX/year> I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (FL)

Credit Control Corp claims that they sent their standard validation package to me, which I never received, and yet they claim by their standards, that since there was no returned to sender that I received their validation package. They have no proof I did. If they wanted proof, I received their letters, and validation info then the letters would been sent certified mail. Which I sent to them on several occasions, therefore I knew that they received the packages I sent to them. They are in violation of FDCPA by NOT providing me validation information within 30 days, and proof that I received it. Further more they are in violation of the FDCPA by reporting a past due balance to the credit bureaus on a collection account and compounding the violations every time they verify the account as accurate! I am attaching my disputes submitted to Credit Control Corp, yet I do not have their responses since I did not receive any.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management shows 3 different times for 3 accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag. 

XXXX XXXX XXXX is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

XXXX XXXX XXXX is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.
Consumer complaint received 2023-11-17
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. (TX)

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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Sometime last year I was sent a letter from XXXX XXXX, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and then post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to XXXX XXXX, and that didnt make sense because of the leans. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. I felt that was highly unacceptable, and not right seeing as how they have a zero liability policy regarding unauthorized purchases. Ive done my own research and seen a common tactic of people stealing, or committing identity theft is to intercept the packages before theyre delivered to the door, or snatch them up before anyone in the house realizes theres a package outside. Wells Fargo has now closed my account without settling this issue. Thats extremely unacceptable. They refuse to help, and continue to push me away seemingly so that I just drop the issue. There was way too much money taken to just forget about it.
Consumer complaint received 2023-07-19
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. (AL)

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular lied and hided information on their response to the CFPB complain # XXXX. 

On their response, Banco Popular stated that " There were no previous records of claims or call recordings identified. '' That is a lie. 

On the XX/XX/year> card statement there is evidence of the late payment reversal. Banco Popular on purpose left that evidence out on their response. 

Banco Popular reversed the late payment fee BECAUSE I presented a complaint. That is a fact. In no other way a late payment fee is reversed. 

During my complaint, Banco Popular promised to not report the disputed late payment ; the very same one successfully resolved in my favor. 

So, the Bank wrongfully reported a late payment even after resolving on my favor the dispute. Banco Popular is inaccurately reporting a delayed payment that was disputed, and officially confirmed on the XX/XX/year> statement, resolved on my favor, but still reported to the credit bureaus. 

This is simply wrong. 

Banco Popular needs to behave honorably, and just like the dispute of the late charge was all reversed, remove the mark on my report on all credit bureaus so that both actions are accurate. 

Not doing so, is an inaccurate reporting and that is against the applicable laws and regulations and further actions will be pursue when the times comes.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Re : Violation of FDCPA Rights and Misinformation on Credit Report To Whom It May Concern, I am writing regarding your recent reporting of a debt to the credit bureaus that has appeared on my credit report. I believe Midland Credit Management is in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I have not received any statement or communication from Midland Credit Management providing a detailed validation of this debt. Under the FDCPA, I have a right to obtain verification of the debt, yet I have not received sufficient documentation confirming the validity or ownership of the alleged debt. Your failure to provide this information, despite my requests, infringes upon my rights to debt validation. 

Additionally, it appears that you have reported inaccurate or unverified information about this debt to the credit bureaus. Under the FCRA, you are obligated to ensure that only accurate and substantiated information is reported on my credit file. Reporting unverified debt information causes significant damage to my credit rating and is a violation of FCRA standards. 

Therefore, I respectfully request that you : 1. Immediately cease all collection efforts on this debt until proper validation is provided. 
2. Remove all inaccurate or unverified information regarding this debt from my credit report until its validity can be confirmed. 

Please respond within 30 days with written verification of the debt, including all relevant details of the original creditor, the debt amount, and any agreements related to the alleged obligation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

In reviewing my TRANS UNION CREDIT REPORT, the debt collection agency, XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX refuses to send me a court ordered judgment in the amount of {$6800.00}. based on its client 's statement that I owed this debt. There is no paperwork sent indicating the name and address of the debt collector 's lawyer. The debt collector violated The New York State 's established XXXX on Evictions against tenants in XXXX. The debt collector ordered me to move as he wanted his residence returned to him and, that is, what I did. I vacated the residence, left it clean and damage free as he wanted it. 

I do not owe this debt and there is no legal court ordered judgment stating that I do. I have never been served any summons and/or legal papers to appear in a Court of competent jurisdiction relating to my due process of law against this fraudulent charge. 

TRANS UNION XXXX XXXX XXXX states it has verified the debt and it will remain on my credit report. 

This debt collector has failed to return my {$1600.00} down payment with accruing interest on a mobile home dating back to XX/XX/XXXX as well as reimbursement of the cost of XXXX all weather storm doors at my former residence at XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, New York.
Consumer complaint received 2024-09-18
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. (GA)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I was recently denied life insurance due to a 2017 Bankruptcy being reported on by XXXX on my credit report. I contacted XXXX regarding this misinformation and was told that it was verified through XXXX. This is absolutely not true. I have a XXXX consumer report and it is clear that there is NO bankruptcy being reported on this report. I have submitted a copy for your records. 

This information is inaccurate and causing me to loose needed coverage.
Consumer complaint received 2024-09-18
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

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 : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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.