davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (MI)

Sent text messages regarding this account. Numerous phone calls Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX , XXXX XXXX XXXX , and XXXX  XXXX XXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax 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.

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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -- - XXXX DATE : XXXX Citi CBNA ATTN : FRAUD DEPT./LEGAL DEPT. 

This correspondence is in furtherance of my previous disputes, in which I clarified my position as a victim of identity theft and requested that all fraudulent activity not be reported against me. 
From XX/XX/XXXX, through XX/XX/XXXX, I was incarcerated in XXXX XXXX XXXX, ( NO RELATION TO FRAUD CHARGES IN ANY WAY ). During such time, apparently, there was a large amount of fraudulent activity taking place without my knowledge. Prior, I had been in good standing with ALL my credit accounts, never having had a late payment, charge off, collection, or any other type of derogatory item occur on any of my credit reports. 

I followed the law laid out by the FCRA and did as I was supposed to do, and I am shocked and disappointed that after showing clear and valid evidence, and having the fraudulent items removed, that you, CitiBank, would try to reinstate these fraudulent accounts. 


This situation, as disappointing as it is, has led me to the following options. Either you, CitiBank, REMOVE the Fraudulent item remaining reported against my credit report, ( Acct Number : XXXX XXXX ), OR I WILL BE FORCED TO PURSUE LITIGATION AND SEEK DAMAGES FROM THE HARMFUL PRACTICES YOU HAVE TAKEN, IN DIRECT DEFIANCE OF THE LAW. I have filed not only a Legal FTC affidavit, stating my situation, but also I have reported this act of identity theft to the XXXX XXXX Police Department, which not only entitles me to the laws under FCRA 605b 15 U.S.C. 1681c-2, but also under California Code XXXX Civil Code CIV 1785.15, In which states that after receiving the correct information from the consumer, as I had and will again provide, that the fraudulent account must be BLOCKED and REMOVED from my credit report. I have quoted the following texts on the matter : ( 1 ) You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information can not be reported. The information will be unblocked only if ( A ) the information you provide is a material misrepresentation of the facts, ( B ) you agree that the information is blocked in error, or ( C ) you knowingly obtained possession of goods, services, or moneys as a result of the blocked transactions. If blocked information is unblocked, you will be promptly notified. 

I have attached all necessary documents, including my identitytheft.gov Affidavit, my Police Report, and accurate identifying documents. I demand my rights under California and United States law, and if they are not afforded to me, I will be following through with filing litigation against CitiBank CBNA. 


( WORD DOCUMENT VERSION OF THE ABOVE STATEMENT WILL ALSO BE UPLOADED )
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I deposited my paycheck last Friday because I have to pay some bills and Huntington bank held my check until around Tuesday morning. So I tried to move my money over to XXXX through XXXX because my Huntington debit card didnt work anymore and Huntington bank put a hold on it today XXXX after previously allowing around XXXX to be transferred on XXXX. So today they locked the account and I called gave my social security number and verified myself, however they are refusing to unlock the account and I reached out to several people regarding my account through Huntington bank. They ultimately refuse to unlock my account which is going to cause me to be even later on my bills which they should be held liable for. Can you please help me with this issue? I appreciate any information at all whether you can or cant help.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TX)

I requested the above information, they responded that they need my SSN, XXXX, reference number. I included the reference number on my original request, I did not give them any other personal information. They have not responded back to my XXXX requests of XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Financial Services, LLC (MO)

I've requested all documents from the collections agency that was sent from the XXXX provider validating that I owe a debt. What I received was an XXXXXXXX XXXX  with a list of charges. I contacted the collection agency and explained that I requested a summary of charges billed and payments received from my insurance company which shows I have an amount left over to be billed. The collection agency confirmed they have no explanation of benefits any proof of bills or services. All they were sent was the XXXX without any other information. I was told that they don't have any proof of a debt other than taking the XXXX  office word for it. I have requested a copy of the explanation of benefits as well from my XXXX office. As of date I have not received any billing proof from them either. I have been incorrectly charged due to poor billing practices at the XXXX   office. There is fraudulent billing being performed.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Between XX/XX/year> and XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX app which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm. XXXX facilitated these deposits connected to XXXX.
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems Inc. keeps sending me letters about a debt I owed to XXXX XXXX. I have already paid the full amount in XXXX via check sent directly from XXXX Bank. My full account details and account number were on check, and I have proof from XXXX that the check was sent to the correct address. I need TSI to stop harassing me about a debt I paid months ago.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

I received a call from CHASE XXXX ; Person asked if I had applied for a credit card jointly on XX/XX/year> with XXXX XXXX, who I do not know. The party had my SS number and home address, as well as another unknown address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know this person and did not apply for CHASE acct. I was told by the person on the line that he could connect me to the Consumer Financial Protection Bureau, but when I asked him for number to call directly, I was disconnected. When I called the number back, I was disconnected. Checked CHASE website and it did not show recent application. He offered me a case number, but I was disconnected before I could get it.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (VA)

My credit report is showing GOOD at XXXX on credit karma.com After being denied for loans, credit cards and a mortgage because my credit score is NOT a XXXX. MY REAL CREDIT REPORT IS A XXXX!!!!!!!!!!!! 

I was lied to and given false hope that I have finally worked up to a good credit score and this would help change my life to finally buy a house, save money on insurance and open a credit card to continue to improve my credit score. I have worked with credit karma over a year and thought I was doing great and making progress. Turns out I haven't made a dent in my credit even after almost fully paying off my car loan from years ago.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CO)

My loan was recently sold to a company called RoundPoint Mortgage. I am in the process of finalizing a claim on my home and received a check from the Insurance company with the old lender and XXXX XXXX written on the check, which, from my understanding, means " its successors and/or assigns '' and " as their interests may appear ''. Both terms allow a lender to transfer the protections of the clause to another party, usually when the bank sells a loan to another financial institution.

I received the insurance check back that stated that the new mortgage company must be listed on the check. I had the same situation with the first, different mortgage company, who endorsed it no problem as they acknowledged the legal terminology common in this situation.

I called to ask why this is being ignored on the check. They could not provide me an answer. I requested to speak to a supervisor who was supposed to call me in 24 hours. They did not. I called again and was put on hold. No one is able to provide me answers. I went to see the reviews of this company and it seems
that this company has a horrible rating in a variety of areas. This is unacceptable as a customer to be forced to deal with incompetency and inconsistency. I had no choice that the loan was sold to such a horrible company that doesn't follow standard practices.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (FL)

Reference # # XXXX Said to owe {$4700.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2024-08-21
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: GOLDMAN SACHS BANK USA (MS)

I was charged ( {$85.00}, XXXX XXXX XXXX, XX/XX/, XXXX XXXX   ) for bus tickets that I did not receive. On the day of travel ( XX/XX/XXXXXXXX XXXX XXXX  ) I had still not gotten my tickets from XXXX so I reached out to them. Turns out they told me ( I have attached screenshots of this conversation which was provided to Apple Card ), that they lost my ticket information and since they cant provide refunds I have to charge back through Apple Card, which I did. I was denied this chargeback by Apple, which does not make sense because even the vendor told me to do it!! Apple just denied me and would not help me when I reached out. They just told me that my dispute was resolved in favor of XXXX. How is that possible when XXXX was the one that told me to file the dispute to get me money back for no services rendered? A charge went through for something that should not have. I need this money back. Apple Card is despicable for trying to weasel out of a cut and dry case.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: SANTANDER HOLDINGS USA, INC. (FL)

Reference # # XXXX Said to owe {$4700.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GLOBAL CREDIT UNION (AK)

I had lost my card on XX/XX/year>. I thought everything would be okay because i also have my card attached to my wallet on XXXX XXXX. XX/XX/year> I check my bank account and was quite alarmed when I saw a deposited check for {$5000.00}. Then 6 withdrawals of {$500.00} each all on ATMS. I do not know who these people are. XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} unauthorized transaction. XXXX XXXX station XXXX XXXX a transaction for {$83.00}. XXXX XXXX {$86.00}. The last transaction was XX/XX/XXXX XXXX XXXX XXXX XXXX charged for {$120.00}. I have called XXXX XXXX  for information on who made the order. They stated it was two women with the first name XXXX and XXXX. I am now in debt of {$3600.00}. I have filed a police report and spoke with Global Credit union, although they are not helpful. They had done an investigation and says I am I am responsible for what happened to me and it is my responsibility for paying the bank back.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (CT)

- as per complaint XXXX, I tried to transfer $ XXXX from Goldman Sachs account XXXX to XXXX XXXX account. 
- TRANSFER WAS COMPLETED ON XX/XX/XXXX and FUNDS CLEARED and were delvered to my XXXX XXXX account - GOLDMAN SACHS recalled funds from XXXX  to Goldman Sachs on XX/XX/XXXX for no reason - They refused to " authenticate me '' and in XX/XX/XXXX I was told that " a supervisor would call me in 3-7 days '' - no supervisor ever called, of course - ON XX/XX/XXXX XXXX tried to transfer funds from Goldman Sachs to my account ending in XXXX at XXXX XXXX- The funds cleared into my XXXX XXXX account. On the day that they cleared, XXXX XXXX transferred funds from XXXX into another account - On XX/XX/XXXX, Goldman Sachs recalled the funds AGAIN resulting in a $ XXXX overdraft at XXXX XXXX in XXXX account!!! 
- I called XXXX XXXX and they confirmed that all transfers that I made had CLEARED SUCCESSFULLY before Goldman Sachs recalled the funds - XXXX XXXX also verified that transfers had been made successfully between Goldman Sachs and my XXXX XXXX account numerous times over the past few years- I am NOW BEING CHARGED OVERDRAFT FEES AT XXXX XXXX BECAUSE MARCUS IS TRYING TO CALL THE FUNDS BACK!!!!!! This overdraft situation began today, XX/XX/year>. 
- PLEASE HELP ME!
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

In XXXX this year I went to Wells Fargo to open an account to avoid check cashing fees but was denied twice without any reason why, afterwards I received a summary for the reason of my visit that does not explain the real reason for my visit ( see enclosed ) Which is a blatant fabrication. I strenuously believe that I have been discriminated against.