davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Resurgent Capital Services L.P. (RI)

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (FL)

I have two unauthorized inquiries on my credit report ( 1 ) XXXX XXXX XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX XXXX. I have informed all three credit agencies about these unauthorized inquiries requested that they be removed, but they failed to do so. I had no dealings or any type of business with these institutions, I do not recognize any of these inquiries and I would like the removed from my credit reports. I have also attached a identity thief report along with my identification. Furthermore, I also submitted an old identity thief report that happen with an inquiry that was reported and removed dealing with XXXX XXXX. So why is this happening again! Please removed this from my credit reports. Thank you.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date : XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) Case IDs : XXXX, XXXX Dear Consumer Services Team, This letter is a formal dispute of the information reported on my consumer report by Early Warning Services , LLC regarding multiple accounts that have been shared without my explicit consent and with inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681, I am entitled to the protection of my private information as well as accurate, verified reporting. Sharing my information without my consent violates FCRA Section 604 ( a ) ( 2 ), which governs the permissible purposes for which consumer information may be disclosed.
Consumer complaint received 2023-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to the bureaus about this debt being reported on my credit report. It is reflecting as a delinquent account from XXXX XXXX  I no longer owe this debt. All obligations have been made.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX LVNV FUNDING XXXX XXXX  XXXX XXXX, South Carolina XXXX Account # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$600.00}. I am requesting validation, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. This is competent evidence bearing my signature, showing that I have ( or ever had ) come contractual obligation to pay you. If you can not validate the debt, this is a violation of the FCRA & FDCRA. Therefore, you must request that all credit reporting agencies delete the entry. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Incident occured XX/XX/XXXX, i was frauded a wire scam of XXXX from my wells fargo account. I reported the issue. A week later i called the bank on XX/XX/XXXX and to my understanding bank representative stated after the investigation i was found liable Of making the transfer myself. I spoke to a manager and she stated its been closed the investigation that i can file a police report. I got no other alternative or explanation.
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

Home Depot/ Citibank updated my credit card account with a deferred balance promotional offer that I never opted into or signed up for which affected my credit card balance and payments for XXXX XXXXXXXX XXXXXXXX and when I did not pay because I was not aware there was a promotional balance carried forward and based on my knowledge there was no balance to pay since autopay always pays balance in fullI received a notice via email and called and was told that for XX/XX/year> there was no payment deducted with autopay because the account had a promotional offer applied which means it interrupted my account setup and caused my autopay to not run as schedule and then cause a higher than normal balance that I was unaware. Citibank then flagged my account in XXXX and reported it late to the credit bureaus which has a negative impact to my credit for this said promotional balancethis unauthorized change to my account has impacted my credit negatively from XXXX credit to XXXX score while Im trying to make a real estate purchase. The company removed the late fee from my account as they found it wasnt warranted due to the promotional balance but refused to update the credit bureaus and continued to hurt my credit with a promotion I never signed up for
Consumer complaint received 2024-10-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (FL)

I opened a CD with Wells Fargo via the internet. The CD matured. I attempted to close the CD and transfer the funds to my checking account with Wells Fargo within the grace period. I was told I couldnt do it over the phone even though I did it with my last CD with Wells Fargo. I made an appointment to go to a branch and was told I would be charged $ XXXX to close the account because the appointment I made on Saturday was 1 day after the grace period ended. I couldnt go before as I work during the week. The interest rate dropped from 4+ % to 1.98 %. How can a bank make it so difficult to close a CD but make it so easy to take my money. There should be better regulation to ensure customers are protected against practices like this from big banks. My XXXX saving account is offering me 4 % interest so I will incur financial loss as a result of this business practice.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

I am writing this letter to open a claim in regards to Southwest Credit Inc. I have initially received a letter regarding an alleged debt from this company in XXXX XXXX XXXX. I responded in XXXX and XXXX via Certified Receipt Return Request letter to dispute to alleged debt. Under the the FCRA as a furnisher of information said information that is reported in my credit file should be accurate and without malice to destroy my financial wellness. I asked for Southwest as a furnisher of data produce a contact pursuant to the FCRA. Under the FDCPA this company has failed upon multiple attempts to provide information within a timely matter, just submitting copies of a bill of phone numbers that do not belong to me really question the validity of this debt. Especially since I am a XXXX  customer during the time of the statements with a different phone number and I remain a customer with XXXX  since XXXX. This account is frivolous and I demand information of this account because I have had a valid account with this company and continue to have an open active account. Why would XXXX  allow me to have a duplicate account? I am looking forward to Southwest producing items other then a billing statement to prove that the account is mine. The validity according to the FDCPA is disputed as the amount of debt and the original creditor with address is not provide/within the statement submitted to me on XXXX.

 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt 
collector shall, unless the following information is contained 
in the initial communication or the consumer has paid the 
debt, send the consumer a written notice containing
(1) the amount of the debt; 
(2) the name of the creditor to whom the debt is owed; 
(3) a statement that unless the consumer, within thirty days 
after receipt of the notice, disputes the validity of the 
debt, or any portion thereof, the debt will be assumed 
to be valid by the debt collector;
Consumer complaint received 2024-10-31
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: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX5 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

I woke up this morning and noticed XXXX removed CONSERVE collections from my credit report which is admission to liability so in fact they were TOGETHER in undermining my confidence and ruined my eligibility to an FAIR AND ACCURATE CREDIT HISTORY in ALL OF THE PARTYS ABOVE IS IN VIOLATION of CONSUMER RIGHTS by removing the false and deceptive information. XXXX XXXX XXXX ALSO basically admitted to selling the debt to a collection company which is against FEDERAL LAW FINANCIAL INSTITUTIONS CAN NOT EXTEND CREDIT OR GIVE 3rd PARTIES PRIVATE CONSUMER SERVICES NFORMATION THIS IS A VIOLATION OF CONSUMER PRIVACY UNDER U.S.C. I DEMAND REMEDY FOR THE VIOLATIONS COMMITTED AGAINST A FEDERALLY PROTECTED CONSUMER. I DEMAND {$1000.00} per violation or will go public with LAWSUIT. INVOICE IMMEDIATELY. 

** VIOLATIONS ** 15 USC 1692c ( b ) 15 USC 1692d ( 1 ) 15 USC 1692e ( 1 ) 15 USC 1692e ) 2 ) 15 USC 1692e ( 2 ) ( 10 ) 15 USC 1692e ( 2 ) ( 14 ) 15 USC 1692 ( f ) ( 1 ) 15 USC 1692g ( c ) 15 USC 1692 ( h ) 15 USC 1692j ( a ) 15 USC 1692j ( b ) 15 USC 1692k ( a ) 15 USC 1692k ( 2 ) ( a ) 15 USC 1692i ( c ) 18 USC 1006
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MN)

My wife and mine 's identity has been stolen. I am now seeing there are accounts on my report that are not mine. I have attached the police report, letter, and copy of my XXXX  letter confirming my XXXX XXXX  and phone number were compromised.
Consumer complaint received 2024-10-07
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW. 

Please block and remove all information from my credit report and send me an updated copy of my credit report. 


Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of 15 USC 1681a ( d ) ( 1 ), as this information relates to the consumers experiences.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 


Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> when I was in XXXX, FL for hurricane XXXX my atm card for my saving account was used and {$400.00} was withdrawn. This occurred it looks like in XXXX, FL and I immediately contacted Wells Fargo as soon as I saw it on XX/XX/year>. I explained to them that I am out of town for a hurricane and that I did not authorize no one to use my card because I didnt know who used my card. I did not speak with anyone else from Wells Fargo once I filed the claim but they said it was authorized! How can I possibly withdraw the money if I was out of town?! Over XXXX hours away. Now XXXX stuck without my money and I need my money because right now XXXX staying in hotels due to the damage from the hurricanes. I even told them not to replace my card due to the fact that I didnt know when I was returning home. At this time I need help getting my money back because that claim should not have been denied!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

The USAA Federal Savings Bank will not close three ( 3 ) Fraudulent Accounts that are XXXX Credit Card Accounts This illegal criminal assault on the Claimant ( XXXX XXXX ) excellent Credit Score and Financial Securities catastrophic losses of {$10000.00} US Dollars or more due to the nature of cybercrime since this horrific onslaught has not ended since XX/XX/XXXX This was aggressively attacked by XXXX XXXX XXXX XXXX that obtained the fraudulent report from XXXX by the USPS AT HIS HOME ADDRESS AND THE XXXX AND ANGER THAT THE USAA BANK FRAUD RECOVERY TEAM ( XXXX XXXX AND XXXX XXXX  ) MEMBER ADVOCACY REFUSE TO PROVIDE THE CRIMINAL INVESTIGATION THAT MUST BEGIN IMMEDIATLY BY A REPORT THAT WILL VERIFY THE TELEPHONE CONVERSATION BY SENIOR USAA BANKING OFFICIALS THAT ON XX/XX/XXXX THE FBI REPORTED THAT THREE ( 3 ) UNAUTHORIZED ILLEGAL XXXX CREDIT CARDS WERE ISSUED WITHOUT THE CLAIMANT XXXX XXXX PERMISSION AND THIS IS OUTRAGEOUS THAT EMPTY PROMISES HAVE NOT BROUGHT CLOSURE TO THIS ANTI-TRUST VIOLATION OF USAA FEDERAL SAVINGS BANK INVESTIGATE WITH IMPUNITY AND DO NOT IGNORE THIS REPORT TO THE XXXX XXXX XXXX XXXX AND THE BOARD OF DIRECTORS OF MY 28 YEAR MEMBERSHIP THAT IS TERMINATED AS OF XX/XX/XXXX TERMINATE ALL FRAUDULENT XXXX CREDIT CARDS IN THE NAME OF XXXX XXXX XXXX AND ERASE ALL INFORMATION OFF THE USAA WEBSITE FOREVER AND EVER
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (CA)

I booked airlines tickets via chase credit card but did not take the trip and requested refunds. The merchant submitted documents allowing for refunds after deducting fee. Chase only gave me half of refunds not understanding theres 2 tickets to refund. They refuse to take further actions
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

Interest posted for more than it should have this month. I had 2 promotional balances that both expired XXXX XXXX. XXXX small, under {$100.00}, and XXXX larger, over {$1000.00}. I made an extra payment for {$90.00} on XXXX XXXX, which brought the small balance to {$0.00}. ( Screen shot attached from XXXX XXXX showing no balance was owed on the smaller purchase. ) After cycle interest hit for {$680.00} XX/XX/XXXX. 

{$30.00} last months interest. Expect this months was a few dollars less as no purchases were made and only payments applied to the account. 
{$560.00} ( XXXX + {$47.00} accrued XXXX interest ) XXXX : {$590.00} Please explain why an extra {$86.00} in interest posted to my account this month. It looks like it may be the 12 months of interest on the smaller balance that was paid to {$0.00} before the promo expired?