davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

I am formally writing to advise you that I believe your company has violated several of my rights. Specifically, you failed to validate a debt at my request on XX/XX/XXXX which is an FDCPA violation and you continued to report a debt to the Credit Bureaus to date XX/XX/XXXX : another FCRA and FDCPA violation. Not only have you ignored my requests for validation of debt but you continue to report this inaccurate debt to the Credit Bureaus XXXX XXXX and XXXX ) causing damage to my character. According to the FDCPA 15 USC 1692 g you must send in writing within five days of the first communication with the consumer about the debt and must include a statement that the consumer must respond within 30 days ( you did not provide it to me ) Within 30 days of receiving the validation notice, of the consumer disputes on writing any portion of the debt, the collector must STOP all collection efforts ( you did not ). The collector must also provide the consumer with the name and address of the original creditor ( they did not ) and current creditor. And because you had a duty to speak and failed to do so therefore, that must mean you agree with me that this debt is false.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (LA)

A company by the name of JPMCB CARD reported transaction and experiences on my account without sending me a statement in accordance with 15 USC 1666B and 15 USC 1637b. They are in violation, and they are reporting a late payment in my consumer reports with providing any of the information as they required to provide.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (OR)

Someone keeps calling me. They say they're from synchrony bank and it. There's gon na be alarm for my rests. You know, so tell me I should have my subpoena. But it's not a correct XXXX XXXX XXXX team. I try to ask him their name address. And he hung up on me. He's very aggressive. I don't know what else to do. 
His number is. ( ( XXXX ) ) fake number
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

Remex INC seems to be a debt collection agency, for a debt i have no knowledge of and furthermore i have not received one single communication from the debt collection agency as to what the debt is for. This agency has illegally reported this debt on all 3 of my credit reporting bureaus in XXXX of XXXX. 
I am requesting the following : I request that REMEX INC agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to REMEX INC , that grants REMEX INC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party. 6 ) a valid REMEX INC collector 's license for the state of new jersey I COME TO FIND THEY HAVE ILLEGALLY REPORTED THIS DEBT TO MY XXXX, XXXX AND XXXX CREDIT REPORTS AND I AM DEMANDING THEY REMOVE IT EXPEDITIOUSLY. 
I would like a full investigation as to these practices as they have broken rules of the FDCPA. I am aware of my rights when it comes to these unjust practices I have the right to file suit for XXXX per bureau and XXXX per month that this illegal reporting remains on my report. but I will try this medium first to try and resolve this issue.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (LA)

Marcus by Goldman Sachs has given me the worst customer experience I have ever had. They locked my account after I tried to make a transfer of my money. They didn't even notify me when they locked my account. I had to call them!!! We got this worked out, and I was told I could move my funds in XXXX Months from the date deposited into an account that wasn't my funding account, as stated by their policy. They then proceeded to do absolutely nothing for XXXX months, making no action on my account to remove the hold so that I could withdraw my money when the time came. So when the XXXX months ended, and I tried to withdraw my funds, it doesn't work. So I called them again, and same story ... Whoops our bad, call back in XXXX days, I do. Repeat this process XXXX times, and here we are. I just want my money back. I feel like I need to go to more drastic measures to get my funds back, as Marcus by Goldman Sachs isn't doing XXXX for me.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2023-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I have been a member of Wells Fargo bank since 2012 this past year. My sister has repeatedly used my card without my knowledge I would see her on and off the road when her and her ex-boyfriend or her and her babies daddy would come through town on their semi truck Dropping loads here and there and my card would come up missing then transactions will take place or disputes would take place in my account was completely ruined. Wells Fargo gave me my money back at first then they made me pay them the money back on top of that whatever was disputed I had to pay that company back as well, and when I contacted Wells Fargo about this, they said they were closing my account because we have an account with them is not beneficial for them and they told me I would have to contact visa to get my funds back because visa is the one holding the money from the dispute from where I had to pay the bank back and pay the company back That was disputed
Consumer complaint received 2024-09-14
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)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (MD)

I have a high balance on my installment/credit card ( accountXXXX ) balance and NFCU denies loans or postponements.They denied the personal and home equity online applications today XXXX have a small savings account there XXXX.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$220.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$350.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX -BALANCE {$1500.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4000.00} Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$15000.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$170.00} Unauthorized Inquiries : 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 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc. (CA)

This company is reporting a balance of {$410.00} to the credit bureau. I sent letters to the credit bureau requesting information on this debt. All three credit reporting agencies replied that the collection agency has verified this debt. 

Then I sent a letter to the collection agency requesting additional information on this debt. I asked them for the signed contract or credit application from the original creditor to file police report or report identity theft. 

As of today, they have not replied to me.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NY)

This account # XXXX was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYSTEM ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( JEFFERSON CAPITAL SYSTEM ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

After multiple attempts to settle these issues with JEFFERSON CAPITAL SYSTEM they have ignored all requests to delete this inaccurate information.

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( XXXX, XXXX, XXXX ) without written or electronic notice of how to opt out of disclosure.

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED IMMEDIATELY.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have attempted to handle this with TransUnion several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. XXXXXXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (IN)

This card services NetSpend I have my deposit come in I was unable to use it because I had to close the shut the card off that I had it had been compromised they sent me a card for old account I got on the phone today which is the XXXX I was on hold for 3 and 1/2 almost 4 hours The problem still isn't situated with this company I want something done immediately
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-14
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: NAVY FEDERAL CREDIT UNION (MS)

There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX, XXXX, XXXX, nor NAVY FCU to run my credit. XXXX and XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX and NAVY FCU inquired several different times, some back to back ; XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, per my credit report.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-14
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)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-14
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: Experian Information Solutions Inc. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (OH)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I started hardship application with Mr. cooper on XX/XX/2019, since then unnecessarily they have delayed the matter and kept on dragging it. They also asked me for my HOA fee when I don't have an HOA fee and I mentioned in in the application. I do not know which illiterate people they have appointed who do not have common sense. 

They also asked for my Profit and loss statement which I already submitted, and after its submission they paused my application, when I asked why? they said that there was no date after my signatures. How much insensible can you get. This is a height of insanity and not a reason to delay my application.