davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

The bank took a deposit out of my account without my permission or even telling me they were going to, from XXXX, then re depositing it fro a different day of the actual date of deposit..Which I can prove without a shadow of a doubt! Also today I got up and there is money in my account that is not mine, I called several times over the past month with NO help or explanations! I want to knwo how they can spend MY money and then give it back, then charge me fro over drawing ( even though they never charged me it shows on my account ) Where is this money from, why can I not see where it came from or my actual balance but the backer could, so they are seeing my account differently than me, but can not explain what is going on! This is very scary that they feel they can use my account to do what ever they are doing with MY money, are they doing it to make money? Not sure what, but it is illegal and fraudulent in my opinion.
Consumer complaint received 2024-06-13
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. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

redit card is reported late to credit bureaus ; however, the payment was made on time. I was charged and interest fee higher than the minimum about due which made the paymnt I made under the amount needed. This is not fair. I have ALWAYS paid my accounts on time. Fees should not be more than the minimum payment due.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (VA)

Today, XX/XX/year>, I received a voice mail from a company saying they were about to file civil charges in the locality where I have a residence in VA. The debt they were going after was supposedly from Discover Bank in XXXX. 
The total amount was $ XXXX in principal and near $ XXXX with fees. These nice people could get my debt reduced to $ XXXX! Wow am I lucky! 

The issue is, I dont have a Discover card. Civil statute of limitations in VA is five years. And when I had them email me the details of the account in question, they sent me a dropbox with XXXX motions, essentially acknowledgment and assumption of this debt! 

A quick XXXX search revealed that this scam is not uncommon. XXXX XXXX XXXX is the firm name they are using. But the emails come from noreply addresses, and I can not find any legitimate physical address. 

Thanks and please help others to recognize the signs of scams like these. Here is the phone number I reached them on : XXXX They called me from XXXX He names they are using are XXXX XXXX XXXX and XXXX XXXX ( XXXX )
Consumer complaint received 2024-08-01
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC (MA)

I was working with National Debt Relief. Also, Through the debt relief program, we were using XXXX XXXX XXXX  XXXX. They were supposed to pay off a creditor of mine, XXXX  XXXX. The payoff amount, {$1800.00}, was withdrawn from my personal bank account, it was paid to XXXX XXXX. This happened in XX/XX/year>. XXXX XXXX confirms the payoff was made, but, then was withdrawn. I never authorized nor was informed of this withdrawal. I just discovered this yesterday XXXX. Neither National Debt Relief nor XXXX XXXX XXXX will discuss this transaction with me. XXXX XXXX XXXX informed me they are sending me a transaction history.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I applied to live at XXXX XXXX, I paid a {$200.00} application fee and a {$200.00} administration fee and {$500.00} deposit in 2020, I was not accepted and never moved in the building. I was given my deposit back, and there was no refund of the {$400.00} fees. A few months later I started receiving calls saying I owe a balance from moving out. I never lived there, and they took {$400.00} for me. They called for months and then a debt collection company started calling. This debt of {$900.00} is now on my credit.
Consumer complaint received 2024-06-13
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. (MO)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have written letters to the four credit bureaus, XXXX, Equifax, XXXX, and XXXX, on XX/XX/year>, to correct my address, name, and other personal identification information such as my employment details that are inaccurate on my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Despite providing evidence of my identification and address, they have not made the necessary corrections.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NH)

I received an email from Experian stating that they had finished their investigation. When I tried to access the completed dispute, I could not. I tried to reset my password, but the security information sent to verify me said my cell number did not exist. 

I ordered the free copy for Experian AND my cell number is in their database. Why they are stating my cell number isn't valid? 

I have called four numbers associated with Experian and the only time I was transferred to a customer specialist was before the office was opened. 

When I called the office after opening, I was told by the canned speech that I would have to send a written request to contact Experian. 

I am concerned that I can not read Experian 's completed action of the dispute. 

Cordially XXXX, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : DEPTEDXXXX Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-08-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX my wife discovered several unauthorized XXXX transfers in a very short period of time that had drained our joint checking account balance. She asked me if I was familiar with the name the transfers went to or, if I had done the transfers. I had no knowledge of these transfers as I was not enrolled with XXXX and I don't know how XXXX works. My wife immediately called to report the unauthorized transfers on XX/XX/year> and was told the fraud team does not work on the weekends. She reported them to the online Wells Fargo representative and asked for the fraud team telephone number and what time they opened on Monday. She also asked for advice on whether or not the account should be closed and was told if it makes you feel safer. She responded that it did make her feel safer and so a new account number was issued for our joint checking account. She also asked that our joint checking account be frozen from any withdrawals as she saw another pending XXXX transfer for {$3500.00} that was in process. She was told it was most likely to late to try and stop the payment as it was already out of our account waiting to transfer. She called XXXX and the voice prompt told her she must go through the bank for unauthorized transfers. She called the Wells Fargo Fraud team at approximately XXXXXXXX XXXX est Monday XX/XX/year>. She reported the transactions as fraud. My wife was baffled as to why she received no messages of these large XXXX transfers. 
We went into our local Wells Fargo Bank on XX/XX/year> to sit down with a banker to help us navigate through the process of the fraud. We were unable to get a appointment until the next day XX/XX/year>. We let the banker know we had unauthorized XXXX transfers and needed help navigating through the problem. On XX/XX/year> at XXXXXXXX XXXX. while we were there the Wells Fargo banker she asked me to pull up the Wells Fargo Mobile App and I let her know I had never used it. She walked me through the process of installing it on my phone, and then discovered the XXXX payment messages about the transfers on this new account were there. I had no knowledge of this account and I had not opened it however it was in my name. The contact telephone and email address is not mine. The banker looked at our previous statement and saw that a loan had been applied for on XX/XX/year> and the loan had been approved and funded on XX/XX/year> {$10000.00}. had been deposited first in our joint checking account, and then rapidly XXXX out on XX/XX/XXXX, and continuing XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX for a total sum of XXXX on the loan and XXXX from our joint checking account. These XXXX transfers went to the fraudulent account that was in my name only, with the fraudulent email and telephone number. We received no notification of this {$10000.00}. loan approval or that we had even applied for it because all correspondence regarding this was on the fraudulent identity theft account.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XX/XX/year>
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (IA)

Capital Accounts LLC out of XXXX XXXX IA, XXXX, has repeatedly called although I explained the debt is not mine. After some discussion and me verifying some information it was determined the debt was for an adult son of mine for a dental bill. All communications on the debt were sent to an address that my son hasn't lived it in over 2 years although the service was about a year ago. Capital Accounts however is claiming that I am financially responsible for the debt because I was the one who paid for the dental insurance and by default anything that the insurance company doesn't pay I am responsible for. They also seemed to claim that the collection was filed under my name as being the responsible party. 

After contacting XXXX XXXX XXXX regarding this balance and collection effort the dentist office themselves informed me that the debt to the collection agency was filed under my adult son 's name and information as being the financially responsible party. 
The dentist office only listed me as the father to the financially responsible party. Therefore, other than being listed as the father to the person financially responsible according to the dentist office I was not attached in any other way to the filing of the debt with Capital Accounts LLC.

Capital Accounts LLC has been deceptive and dishonest in their collection practice ; actually, they have down right lied about how the debt was submitted by the dentist office in hopes of collecting. Their almost daily calls for the last 3 weeks should be considered harassment in attempting to collect a debt that was not even filed under my name as being the financially responsible party. I informed Capital Accounts LLC repeatedly the debt is not mine, to stop contacting me, and if they truly believe I owe a debt to mail it to an address I've lived at for close to 15 years.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Under the provisions of FCRA 623 ( A ) ( 8 ) ( E ), you have a duty to review all the information in this Notice of Dispute to complete your investigation within 30 days of this Notice of Dispute. Your firm has verified /updated in reply to my dispute ( s ) with the credit bureaus that this account has not surpassed the 7 year reporting period.The basis of my dispute is that this account is too old to be on my credit report and has surpassed the 7 year reporting period.

I am requesting you to delete this account or provide the PROOF you have on file such as the Date of First Delinquency and Date of Last Payment which would prove your right to continue reporting this account. Under the aforementioned law in this letter your agency has 30 days to do so. 
Please be aware that this XXXX account reporting as a charge off has been DELETED from my credit reports. 
XXXX XXXX  XXXX XXXX was reporting to the credit reporting agencies with a Date of Last Payment reporting as XX/XX/XXXX. The Date of Last Payment is followed by the Date of First Delinquency which triggers the 7 year reporting period under the Fair Credit Reporting Act. 
XXXX XXXX  sent me information in the past that the Date of First Delinquency was XX/XX/XXXX but reporting Date of Last Payment as XX/XX/XXXX. I pointed out that both the DOLP  and DOFD which is the month that follows Date of Last payment could not both be reporting accurately. 

XXXX XXXX  has deleted this account that they were reporting as XXXX XXXX XXXX XXXX and your agency is reporting as Portfolio Recovery # XXXX Remove this account or provide the PROOF that I have requested.I will file complaints with FTC, AG and or attain legal representation because this account has been re-aged by Portfolio Recovery or XXXX XXXX  and I will seek out a lawyer if I am forced to find the culprit or culprits.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (TX)

Dear Sir/Madam, I am writing to formally lodge a complaint against First Credit Services regarding a potentially unlawful debt collection practice that has affected my credit report and personal financial standing. I recently reviewed my credit report and discovered that First Credit Services has placed a collection account on my file ( account number XXXX ), which I believe violates my consumer rights as stipulated under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

To my knowledge, I have never received any communication or notification regarding this alleged debt, nor was I given an opportunity to dispute or verify its validity. This lack of communication is a breach of my rights to be informed and to respond accordingly.

In accordance with the FDCPA, I hereby request that First Credit Services provide proof of the following : 1. Any documentation that confirms my liability for the debt in question.

2. A detailed statement of the amount owed.

3. The original creditor 's information.

4. Proof of any notice of debt sent to me, including a certified receipt bearing my signature as proof of delivery.

Furthermore, I request the immediate removal of this account from my credit report as it was reported without verifying its accuracy, which is a direct violation of the FCRA.

I have also taken the liberty to attach copies of the credit report pages that show the unauthorized entry by First Credit Services. I expect a prompt response to this complaint and a swift resolution to the issues mentioned above.

Please let me know if further information is needed on my part. You may contact me through my phone number or email address provided above. I appreciate your attention to this urgent matter and look forward to the resolution of my complaint. 

Thank you for your assistance. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (TX)

I have 2 concerns! On XX/XX/year> I went to an appointment at XXXX XXXX XXXX for a procedure. I was told by the window clerk my charge would be {$200.00}. I later received a billed of over {$700.00}, what a surprise! I called about this but they would not make any adjustments. I began to make payments of {$50.00} per month and I received a couple of invoices, that's all. In XX/XX/year> I received a bill from a collection agency ( Medicredit ) for the balance of {$470.00}. I called XXXXXXXX XXXX to ask why my account was sent to a collection agency as I was making monthly payments to pay off the bill. I was told that because I did not call to make arrangements it was sent to collections. Why was my account not reviewed to see if I was making regular payments, and why did I not receive a notice saying my account was about to go to collections. 
I have excellent credit and I care about all monies owed for services rendered. I now have to pay a collection agency who was willing to discount the bill by almost {$100.00} to settle the debt, so why could t he hospital not do this? So, I have two Grievances : 1. I was billed more than quoted by more than {$500.00} 2. My account was sent to collections without any notice. 

I appreciate anything that can be done. I would like my account to be retracted from collections and sent back to the hospital as it was before. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX