davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

I first phoned Resurgent Capital Services on XX/XX/XXXX at XXXX XXXX and spoke to a representative by the name of XXXX. I've requested an account summary report in which they did send to me. I also explained to XXXX that reference ID XXXX was dated back XX/XX/XXXX and that the account was either already paid or was taken care of during a previous bankruptcy. The account information is from XXXX XXXX  for merchant XXXX for the amount of {$430.00}. On their historical account information which is on the account summary report it states the original date with original creditor was XX/XX/XXXX and the charge-off date was XX/XX/XXXXXXXX XXXX XXXX Resurgent Capital Services received information from XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX I also explained to XXXX that the charge was over 15 years ago and I should not be bothered. 

Today XX/XX/XXXXXXXX XXXX XXXX I received an email from XXXX stating that I need to take care of my outstanding balance. They are a debt collector and they are attempting to collect a debt from me. The XXXX account number is : XXXX for the same amount of {$430.00}. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a Bank of America customer living in XXXX. I requested a card be sent to me in XXXX and a card was sent. And lost. A replacement card was sent. 

And none of the three methods the bank has for activating the card is available to me in XXXX ; Telephone authentication Mobile app QR code scan My complaint is agains the bank for theft of services, or fraud : they are failing to support me as a customer and denying access to my account.
Consumer complaint received 2023-09-13
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NV)

I received a letter on XX/XX/XXXX, stating my nordstrom credit card is closed at the end of XXXX. The letter states this is due to a low XXXX  score. The score in the letter is not correct with XXXX. The Nordstrom credit card has been active since for XXXX yrs since XXXX in good standing and is not over the limit or behind on payments. The credit card company TD Bank issued a credit increase of {$2200.00} in XX/XX/XXXX without my request. I called the credit services phone number to ask why I wasnt notified of this information and to obtain information since I am also an employee of the company, Nordstrom, for which the card is for. I was told by at least 4 different individuals that the card was either closed or will be closed end of XX/XX/XXXX and they will not stop this process. They said I can reapply in a few months after Ive paid this card off, which is not behind on payments nor over the limit. No one at the company has heard of this tactic and this is not the credit terms adhered to or provided when I was issued the card. At no point in time did I receive a change in terms stating that my credit card which is in good standing could be closed without notice for any reason. The supervisor XXXX claims there is a XXXX threshold but states there is actually not a set number when I requested he provide this information to me as Ive been a cardholder for XXXX yrs and no such information has ever been disclosed in XXXX regarding this information. He claims they truly do not have set requirements to close the account and would not give me guidance on how to stop the closure of the card. They wanted me to just pay the card off. I have informed Nordstrom that I will no longer be working for them after they have closed my card which was under the limit and paid on time for XXXX yrs, which resulted in a {$2200.00} credit limit increase 9 months ago. This seems like a cash grab by my own employer.
Consumer complaint received 2023-11-17
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: CITIBANK, N.A. (FL)

During my travels abroad, I encountered an overbilling issue at a hotel, which was duly acknowledged by the hotel staff. Subsequently, I received correspondence from the hotel extending apologies for the error, alongside a request from their banking institution for Citi Bank to intervene and rectify the situation. Regrettably, my initial claim with Citi was rejected, followed by a subsequent rejection of the second claim. I've been informed verbally that the third claim was approved ; however, as of yet, I haven't received any written confirmation from Citi. 

The frustration arises from the apparent reluctance of Citi to address a customer 's legitimate concern, despite clear communication from the hotel owner acknowledging the overbilling and their bank 's explicit request for Citi 's involvement. Despite possessing undeniable documentation supporting the validity of my claim for a credit, Citi continues to dismiss my credit requests, which is deeply concerning. Furthermore, the bank has informed me of their action in crediting Citi with the amount owed to me following Citi 's belated outreach to them. Yet, I find myself unable to obtain a transparent and honest response from Citi regarding the resolution status. 

Throughout approximately XXXX to XXXX communications, the consensus among Citi 's lower-level staff unequivocally supported the legitimacy of my claim. However, there seems to be a discrepancy between their acknowledgment and the decisions made at higher echelons, resulting in continued rejection of my claims. 

This persistent discrepancy is not only disconcerting but also indicative of a systemic issue within Citi, reflecting a lack of commitment to fulfilling customer promises and an apparent deficiency in oversight mechanisms.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/year> paid {$35.00} minimum XX/XX/year> paid {$35.00} minimum for XX/XX/year> on accident but they wont allocate which Im not concerned about. However They reported my XX/XX/XXXX payment as 30 days late and I Paid XX/XX/year> {$700.00} before 30 days so how is it 30 days late. They told me if my bill is due XX/XX/XXXX and statement closes XX/XX/XXXX then if I paid XX/XX/XXXX they WILL report it 30 days late but that is in fact only 4 days past due Paid XXXX was all set till XX/XX/XXXX and I paid 14 days late so Im lost at how they report saying based off the statement date and not the due date but even then Im not 30 days late
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/2023. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with XXXX, still waiting on dispute with XXXX, Nelnet not responding.
Consumer complaint received 2024-03-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information. 2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred. 3. Documentation providing evidence of your agency 's authorization to collect this debt. 4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws. 5. Copies of any agreements or contracts related to the alleged debt. 6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. Please note that all communications regarding this matter should be in writing and sent to the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.
Consumer complaint received 2024-04-01
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. (SC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have requested that in three different occasions that each credit bureau Equifax, XXXX, and XXXX provided me with Original Level documentation from the Original creditors about the accounts reported. Neither the Credit bureaus nor XXXX XXXX XXXX were able to provide any evidence of account ownership from me, nor signed contracts where I owe XXXX XXXX XXXX any amounts at all. Hence another account was disputed because even XXXX was not able to produce such documentation.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I enrolled in CareCredit ( Synchrony Bank ) back in 2017 with the purpose of paying for XXXX  XXXX. At the time of this report, I've learned that I was ( involuntarily ) enrolled in their " card security '' program. CareCredit claims that I did not opt of this program. Not only did I not have any awareness of their program until XXXX of this year, but I would've opted out given the option as it makes no sense to me. In sum, the company has been charging me for this fee since 2017 unbeknownst to me and as a result, my balance has accrued to an amount that exceeds the very purchase amount this card was applied for. 
The total amount ( current balance ) for this card security program totals XXXX ( fees plus interest ), which does not include past amounts I've paid to stay current with my balance. 

Please see attached copies of fees charged since XXXX. Unfortunately, all other statements were paper copies which I've disposed of dating back to 2017, but I'm sure Synchrony would be able to pull them up.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

XXXX : :-XXXX XXXX XXXX  XXXX XXXX15 U.S CODE 1681b-PERMISSIBLE PURPOSE And 15 U.S CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION and 15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Or I will begin civil litigation and charge a {$1000.00} per each violation under 15 U.S Code 1692k - Civil liabilty and 15 U.S Code 1681n - Civil Liabilty for willful noncompliance to the fullest.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am sending this complaint to dispute and request the immediate removal of a fraudulent account from my credit report. I have filed a dispute, citing identity theft, and have contacted the bank associated with the account. 
The bank has verified the authenticity of the identity theft report and recognized a potential system glitch hindering the access to records. They have guaranteed the prompt removal of the fraudulent account, which has been in existence for over 7 years. 
XXXX XXXX
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (WA)

Equifax credit reporting is currently unwilling to unfreeze credit file with them so I can apply for a new credit card. Called customer service and stated I wanted it unfrozen from XXXX to XXXX and was told it would happen next. Online portal is broken, and customer service guaranteed report would be unfrozen but it is still frozen even after agent said it would be unfrozen. Unable to apply for card due to this.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

We are receiving calls from XXXX XXXX XXXX XXXX. They are attempting to contact someone with the last name of XXXX. We have had our phone number since XX/XX/2006. When we first received this number we received debt collection calls for a person named XXXX, who I guess was the prior holder of the phone number. ( XXXX )
Consumer complaint received 2024-05-20
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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