davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF-ALP, LLC (IL)

I had a vehicle loan with XXXX XXXXXXXX XXXX. My payments were set up on automatic draft to be taken out of my bank account each month. The last payment that they took out via auto draft was on XX/XX/XXXX. They stopped taking the payments even though there was sufficient funds in my account to cover them. They never called me or sent me any correspondence to alert me that the payments had been missed. They just sent my account to collections. I was not aware that they payments had not been taken out of my bank account until the debt collector, XXXX XXXX contacted me. The debt collector stated that they had been trying to contact me via phone, but the number they provided, XXXX, is not my phone number. I paid the XXXX months that was late and the upcoming payment that was due on XX/XX/XXXX. This made my account current. I thought everything was fine and the payments would go back to auto pay, but they did not. The debt collector XXXX XXXX transferred my account to a different debt collector, SF-ALP , LLC. I never received any phone calls or correspondence that the account had been transferred or that the payments were not being taken out of my bank account until a received a letter from SF-ALP , LLC about a year later. I went in to my XXXX XXXX XXXX local office and someone assisted me in filing a dispute to XXXX XXXX XXXX. There was not a response back from the dispute. I started searching for attorneys. My car ended up getting repossessed. On XX/XX/XXXX, I sent SF-ALP , LLC a wire transfer for the total amount due plus all of the fees including the repossession fees. I got my vehicle back. However, I have still not received the title and the lien has not been released. I have called the debt collector, SF-ALP , LLC multiple times requesting a lien release and the title to the vehicle. They initially told me it would be 30 to 45 days before I would receive the lien release and title. However, it has been about 60 days and I still have not received it. 

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Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (OH)

XX/XX/year> it was a bill for me in the amount of XXXX I have no reconigtion of this account. When i call the collection third party agency who subpoena me .. tells me they have a different social security number and previous address where I never reside .. when the card was originally opened .. this card is not reporting on any credit reports because it was used under a different social security number. The city of XXXX  XXXX delivered me a summons. It which i have 28 days to dispute. I am not getting anywhere with the creditor and or the collection agency
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

On XX/XX/XXXX I froze and opted-out of LexisNexis consumer XXXX. Although I have taken these precautions, LexisNexis is still illegally furnishing my private personal information without my written consent. 
On XX/XX/XXXX XXXX confirmed that LexisNexis provided them my private personal information to determine and calculate my monthly insurance rate. On XX/XX/XXXX I mailed in a handwritten request for LexisNexis to remove my driving record from my credit file pursuant to 18 US code 2721 ( a ) ( b ). This law states that My driver record is strictly prohibited for use in my credit report. On XX/XX/XXXX ( well after the legally mandated time frame ) lexis XXXX responded we have reviewed the information from our phone records, and determined that data being reported is accurate. LexisNexis is intentionally not acting in accordance with the law and this has caused me great financial harm.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC 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 Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX 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 2021-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have called the company several times, Banco Popular of Puerto Rico due to a returned wire transfer. 
The original amount was for {$1300.00} on XX/XX/XXXX. I was charged a {$50.00} wire transfer fee for the amount. Totaling {$1300.00}. The agent helping me XXXX XXXX XXXX XXXX '' XXXX The bank told me that the information was incorrect so they returned the wire. I spoke with a bank supervisor XXXX XXXX XXXX XXXX XXXX He told me the recieving bank, XXXX XXXX  said the information was incorrect on the wire. so they returned a total of {$1200.00} back into my account. 

There is {$110.00} missing from my account. I was told there was a {$50.00} fee to send the wire. Leaving {$60.00} missing from the account.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I activated the bankamerideals I made purchase online to XXXX. 

Purchase didnt activate automatically Went to Bank Of America App chatted he file dispute with marketing department. 

I waited 30 days. I called after speaking with agent said nothing I can do. 

XXXX was XXXX supposed to be 3 % back for {$2.00}
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : 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 Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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)

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. 

FCRA violations : inquires are not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WI)

I kept getting a phone call from Wells Fargo, so I finally called back. I asked about the phone calls no one knew the reasoning for the calls, next I continuously asked about the settlement and reach out to the escalation line. No one knew anything about the settlement either or could give me any details. It was like no one knew anything. Ive been with Wells Fargo for years and Ive had a savings account and checking account Ive seen them handle charges and overdraft fees inappropriately. When you call in they all say the same thing thats just how the bank works. They are trained to scam!!
Consumer complaint received 2024-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I was unaware of as I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). IC System is reporting this false information on my consumer report without verifying it first which also violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both validate and verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

My letters were opened by the credit reporting agencies and then returned with " refused '' labels. However my letters were received beacuse I received notifications that my disputes were open. It has been over 30 days
Consumer complaint received 2024-06-29
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: Island Finance Puerto Rico (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Island Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/year>, Venmo sent me an email saying the following : " Weve noticed some unusual activity linked to your Venmo account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. To resolve this issue, please submit a picture of your photo identification via our Document Upload Form, linked below. For your privacy and security, please do not reply back to this email with your documents. " I would like to note I rarely use Venmo, only to pay back friends after Dinner or family during vacations to split bills. 

Even though they should have already had my ID and information I went ahead and sent them my ID. I waited and never got a response so on XX/XX/XXXX I sent an email to their support address to ask on the status. This was their response : " Thank you for contacting us. 

Weve had a chance to review your account, and it appears your case requires additional attention from another team. I will forward your case to them, and they will reach out to you via email as soon as possible. Thank you for understanding! 

Best regards! '' I waited 7 days and still had no response so replied stating so. They replied with the same message the next day. 

Another week passes and still no response so I again inquired. The next day they sent me the following : " Thank you for contacting us. 

Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. 

The funds in your account will not be made available to you at this time. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. '' I was forced to use Venmo to collect my payout from the XXXX payout ( https : XXXX ). 

This is absolutely unacceptable that they will not let me withdrawal my money totaling over {$1000.00}.
Consumer complaint received 2023-09-12
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. (TX)

I submitted a letter to Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-26
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: Phillips & Cohen Associates, Ltd. (GA)

In XXXX, I spoke with a representative who informed me that my account qualified for a 1099C-cancellation of debt. I explained my financial hardship, and she confirmed my eligibility. However, I have not received any communication from XXXX. Additionally, I sent a letter in XX/XX/XXXX to the address provided : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, NY XXXX Now they have sent it to XXXX XXXX  XXXX XXXX XXXX XXXX for collection as XXXX did not fulfill their promise. Unfortunately, I am unable to make any type of payment at this time.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I have been a Citi Bank customer for over 30 years. I have had the same plan / package on my Checking Account to minimize/ eliminate fees. In the past 6 months, I am receiving constant fees. The package is being changed. New fees are accruing. 
I have contacted Customer Service and also several individuals in my Branch to get a permanent solution. At times fees have been credited back, but then again new fees are charged. This is a constant monthly occurrence. 
As a small business owner, I do not have the time to constantly send emails and call Citi Bank to have the errors corrected. For the past 2 months new fees have been debited to the account and despite several attempts the issue is not corrected. 
I have asked for complete information on product / packages available so I can get the plan best suited to my business needs. Full disclosure of plans and fees is not provided. 
My operations have not changed. Then why are new fees being suddenly charged to me?
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (TX)

my credit card payment was due on XX/XX/XXXX and I made the payment with my debit card online. 
The credit card company didn't process the payment until XX/XX/XXXX and charged me a late fee of XXXX I called and they finally agreed to take off the late fee. 
I want other people to know that they should read their credit card statements bc this seems to be a common problem OR TRICK used by these people!
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (MS)

After dealing with an XXXX  in South Carolina, it changed my life drastically. It involved a change of address and non the less all communication was sacred. Willing to pay the debt that I accumulated, I called the XXXX @ XXXX XXXX and spoke with XXXX ( horrible person ) only to be told there is nothing that they could do, never giving me the debt collectors information or helping assist me with settling the debt I owed. I resided with the XXXX @ XXXX XXXX for a year, fulfilling my lease, and making sure all was well with rent payments, late fees, etc. Before moving out of my apartment I thorougly cleaned each room, leaving a cleaned apartment complex. Even the carpet was cleansed. As a victim I had no clue where to start after the incident, so it caused multiple complications such as lost wages and social complications. Please help me to settle this debt so that I will not have to file bankruptcy. Sincerely XXXX