davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (LA)

This company is still reporting a bankruptcy that isnt mine after the 3rd party company they use to verify public records have told them it isnt mine and provided a letter that states to such. I have been dealing with this company and this problem for 4 years and Im ready to take legal action if its rectified this time. I have attached an FTC and the XXXX XXXX Letter showing they removed it from their database as not mine.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, when attempting to access my Webster account, I encountered an error stating " you have no accounts to display. '' After contacting customer service, I was informed that I needed to confirm a bank account used for a transfer. I requested guidance on where to verify this information and was told to expect an email. Several hours later, I received an email requesting I upload my XXXX  and account statement. I promptly responded, but then encountered resistance regarding a transfer from my business account to my personal account. Despite requesting clarification on this policy within their terms, I have yet to receive a clear answer. I have reviewed their terms online, and no such restriction is stated. Additionally, when inquiring about when my account would be accessible again, I did not receive a response. Several days have passed, and I continue to receive no communication. Furthermore, when attempting to contact them by phone, I am directed to submit a message via secure messaging on their site, which I can not access due to my account being unavailable. 

In summary, Webster Bank has provided conflicting information and has withheld approximately {$30000.00} from me without explanation or resolution, leaving me unable to access my funds or resolve this issue.
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group (FL)

In the month of XX/XX/year> I applied to XXXX XXXX as a student housing applicant and paid an application fee. I signed a lease to start in XXXX of 2023. My grandmother became sick and I had to leave my college to take care of her and could not move into the apartment anymore. I requested information about subleasing and/or cancelling the lease. The property manager informed me I had to sublease it to get out of it. I was in constant contact throughout the month of XXXX as they found another college student to sublease. The last email I received from the property manager was on XX/XX/XXXX to inform me someone has took over the lease and to pay a fee. I emailed and called constantly for over a month on how to sign the paperwork and settle any balances I owed. The property ghosted me and never answered me again. Someone finally picked up the phone on or around XX/XX/XXXX and said if my portal account was closed then any balances had been settled. All of a sudden in XXXX of 2023 I get a credit alert that a collection of {$850.00} has appeared on my otherwise perfectly clean report. I have tried to dispute this with XXXX and XXXX and can not get ahold of a live person. They keep leaving this on my credit report even though Ive had no proper notice to dispute with the collection agency before it hit my report. Now I have been unable to rent at another property because this is showing up as a negative rental history. 
I have tried to explain this to the collection agency and ask why I was never sent a proper notice. They told me they sent me a notice to my last known mailing address. When I asked them what the address was they gave me a completely wrong address that I have never lived at. 
I feel as though I am being extorted to pay this {$850.00} or else I will not be able to get this off my report. I never had an opportunity to even know about this debt before it has negatively impacted my loan options and rental history. I believe this is highly illegal and should be taken off immediately since I have and have always been open to resolving or looking into any money I may owe.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year>, we transferred XXXX Capital One points to XXXX. This transfer went through immediately. Then, we transferred XXXX Capital One points to XXXX XXXX XXXX XXXX We never received a confirmation email from Capital one that it went through, so we called Capital One to confirm our transfer to XXXX and they said we just have to wait. On XX/XX/year>, our credit cards stopped working and we were no longer able to log in to the Capital One website. We called Capital One who said the account was locked due to fraudulent activity. We told them we were on the phone with Capital One on XX/XX/year> after our transfer, so they were aware that we made it ourselves. They sent us a link to upload the primary cardholder 's drivers license ( front and back ), and we completed that immediately. We have called numerous times since then to check on the status, and they keep telling us we need to wait up to 10 business days for them to review the license images. Until then, we are unable to use our main company card, or redeem any points. 
One helpful representative on the evening of XX/XX/year> told us the XXXX miles transfer is what triggered the fraud alert, then an investigation found that the primary accountholder was deceased, and that is why it is still locked. That obviously did not make sense and she told us to speak to the Estate Department when they opened the next day. It looked like Capital One erroneously marked the accountholder as deceased, and apparently were able to remove that notation but we can not be for certain. This is a major inconvenience that we can not use the company card and would like the ID to be reviewed as soon as possible so we can get our account unlocked for use. We also can not make any payments to this card when the statement is due. 
In addition, the hold up of the rewards transfer is jeopardizing a family trip, as 2 out of 3 family members already have a ticket but the third does not as we can not redeem the remaining miles. 
Lastly, the reason we chose this card is because of the generous sign up bonus. The second bonus is due XX/XX/year> after {$100000.00} in spending, which we are on track do complete, however, this interruption of card usage is not allowing us to meet the minimum that we would have been able to meet otherwise. We are requesting an extension of the bonus period because of this interruption, at least by the number of days the account remains locked.
Consumer complaint received 2024-07-10
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: National Credit Systems,Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX  XXXX Dear NATLCRSYS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570. 

It has unequivocally come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for NATLCRSYS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NATLCRSYS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NATLCRSYS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX XXXX Chase Bank account without my permission so I need to see what that's about I'm not sure exactly what was in it I just know I had one open in my name but they act like it wasn't one day so I got XXXX XXXX so therefore they can put a stop to it
Consumer complaint received 2023-10-25
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  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, 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. (CT)

I contacted Equifax because numerous accounts are missing from my file and I was told that my file was split. This keeps happening and they keep requesting the same identification every time this happens. It's ridiculous, my credit score and file has been affected because of this constant issue with equifax.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I received a settlement check for workmens comp back in XXXX of this year. I deposited it into my bank account via ATM at Wells Fargo because they were closed when I arrived there. The machine told me that the funds would be available within a few days in full.. I received a email from Wells Fargo accusing me of check fraud, and told me that due to the check I attempted to deposit that my account was to be frozen and that they would be closing it on XX/XX/XXXX. I called the branch where I deposited it and attempted to speak to the Branch Manager, who refused to help me and stated that if I received a email stating that it was a fraudulent check, then he wouldn't help me and that there was no need to speak to him or be at his branch.. I brought all necessary documents from my attorneys office as well as everything that was attached to the check and attempted to show it to the bank manager, and yet I was still turned away and asked to leave or the authorities would be contacted and I would be trespassed.. He also told me that I couldn't have gotten any type of large amount of funds sent to me because I never have any amount that large in my account prior to this.. And I was a customer of Wells Fargo for over 13 years prior.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXXF XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC (AZ)

In XXXX our mortgage company took approximately {$2500.00} from our escrow account to pay another customers yearly insurance. Then they added that policy to our account. We already had current, up to date homeowners insurance, the additional erroneous amount of {$2500.00} triggered a escrow account review. Resulting in our payment going up {$160.00} a month! I've called over XXXX times, talked to numerous agents. In the beginning they insisted that I called and made the changes. Then the story changed to identity theft, finally ending with them telling us it was a simple clerical error. None of this has made any sense to us. Now we are being told that the mortgage company is waiting to be paid back from who ever they paid from our escrow account. We've been told that hopefully the money will be returned, then added back to our escrow account. In the meantime, we are expected to happily pay the extra {$160.00} a month. Then if and when the money mistakenly taken from our account is returned, they will do another escrow review and credit the extra money we had to pay. We didn't approve the payment, were not notified till XXXX weeks after and only with a letter saying our payment is drastically increasing. Why do we need to wait to see if our money is returned before they make our account correct? Why do we have to shoulder the extra cost because of their mistake?
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

{$970.00} dollars was stolen from me through a very sophisticated social engineering attack using XXXX. They targeted my Wells Fargo account. Wells Fargo lied to me saying they would file a police report and since the transaction was pending and my account number changed it would not go through. Then I get a letter in mail from them claiming they researched the fraud and claimed I authorized it and closed the case with no police report at all. I called them back and was told to basically get lost and file another claim which they will most likely deny again. I am now out of XXXX dollars and have to switch banks to someone more reputable.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!