davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NC)

XX/XX/XXXX, received 3 phone calls from phone number XXXX at XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX and when I answered the third phone call a man claimed to be XXXX from IQ Data International. Was very harsh about needing to take out a loan to pay a debt or " bad things would happen ''. Was incredibly pushy and forced me to set up a phone call for the next day even though I said I had work. Talked to him the next day ( XX/XX/XXXX ) at XXXX XXXX and I got threatened with credit damage, never being able to rent again, and that my dad would also take a hit. Got a call again at XXXXXXXX XXXX  again ( XX/XX/XXXX ) and he said I am " refusing to pay debt '' because I couldn't get an exact day on when I could pay the debt when I was asking for an itemized bill I got told " that is not how this works and now we are going to do what we are going to do ''. Was told all calls are recorded so I know it will be on their files. When I asked what he was going to do he laughed and said " oh you will find out ''. Over the course of the last two days I have been called over 4 times and have had nothing but rude and threatening/ demeaning interactions.
Consumer complaint received 2023-11-16
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-16
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. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-10-01
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. (MD)

The following companies made inquiries on XXXXTrans Union and XXXX to open accounts that I did not authorize. The accounts were not open so therefore these inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX I was approached by XXXX teenagers while on my walk from work and they asked me if I would donate to their youth basketball team. I said Im sorry I do not have any cash on me. They said if you have XXXX or cash app we can accept that as well. I said okay and pulled up my Wells Fargo app which is connected to XXXX. I pulled up the screen where it says to put who you want to send the money to. They said let me see your phone and we will put in our schools information. I handed them the phone and the XXXX teen was talking to me about his college plans. They handed me the phone to send an amount and all of a sudden I get an email confirmation from Wells Fargo saying I authorized a money transfer using XXXX to someone named XXXX XXXX who Im assuming is the teen who sent the money. I looked up and they were gone. I called Wells Fargo immediately and they filed a claim. XXXX weeks later Wells Fargo said there was nothing they can do.
Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (NJ)

Upon reviewing your response, I have several concerns and disputes related to the handling of my account. Firstly, I did not receive an Initial Demand Letter via email on XXXX as stated in your letter. Please verify and confirm the accuracy of the email address on file to ensure proper communication.request a detailed explanation of the process TSI followed in placing account XXXX XXXX on my credit profile in a disputed status. It is crucial that this information is accurately reflected on my credit report. 

Lastly, I appreciate the documents enclosed with your letter. However, I would like a more detailed breakdown of the validation information for a better understanding of the specifics surrounding my account. 

And I would like to receive a copy of your surety N.J. bond license and NJ debt collection licensed that you're licensed to collect debt in the state of NJ and it was valid when you inserted a collection on my consumer report
Consumer complaint received 2023-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

A line of credit was set up without my authorization by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I have disputed this debt multiple times with the creditor ( by phone and in writing ) and with XXXX. Each time this company removes the delinquency but then reports it again as delinquent 60 days later. They have never proven that I authorized this line of credit because I did not. XXXX has failed to get them to provide any proof that I owe this debt. I have documentation from my insurance company that they negotiated and paid the charges so I dont even owe the amount being charged ( see attachments ). They have never tried to resolve this issue with me or XXXX XXXX XXXX despite me calling and writing to dispute the account.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (PA)

Be aware that this is a notice to Caine Weiner for the following alleged debt with account number : XXXX from progressive. As of right now I have requested that this company cease all communication as described in the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a medium of which this company is chossing to communicate with me. I did not get them written consent to do so. Pursuant to 15 U.S. Code 1692c this is a notice to cease all communication including credit reporting except that you may communicate with me under the stipulations of responding to a complaint from the consumer financial protection bureau ( cfpb ). If it does not stop I will seek litigation.
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

The XXXX XXXX XXXX XXXXXXXX XXXX is requesting to collect the debt of {$880.00} according to them for damage in the property. I contact them letting them know since XX/XX/year> for damage in the roof, Noticed high humidity and severe condensation on the ceiling and direct damage to it that caused the door frame and fire detector to be damaged, problems with the air conditioning and they never went to replace or fix the problem. 
I dont feel responsible about the damage caused in the property when I reported the issues on time, I always pay the rent and never left with a debt. 
Is not fair, Please help to resolve this issue with an appropriate agreement.
Consumer complaint received 2023-11-16
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. (PA)

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or XXXXXXXX XXXX is Income. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NM)

The Apple credit card states that you have until XXXX to pay their credit card. However, when you make a payment after bank hours ( XXXX to XXXXXXXX XXXX. ), the payment doesn't post until the next day. Although, if you make the payment by XXXX, the app tells you that a timely payment has been made. Yet, since it doesn't post until the next day, the card charges you interest on your timely payments. 
I called and spoke to multiple people on XX/XX/year> and demanded a refund on the several months of fraudulent interest that has been charged and I was only refunded one month and then charged again on XX/XX/year> because the payment was made on Sunday, XX/XX/year> ( which is the due date ) and again I was told I made a timely payment, but since it was a Sunday, Apple didn't post it until XX/XX/XXXX. 
They will not provide me the information showing the timely payments and I haven't always screenshot my payments. 
They are fraudulent interest payments and I would like to be reimbursed for all of my interest since I got the card.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (NM)

I received two phone calls on XX/XX/XXXX from this numberXXXX XXXX XXXX XXXX, they called again on XX/XX/XXXX. On the XXXX, I spoke to the gentleman on the phone and expalined to him the account he was calling about was part of my debt settlement agreement with XXXX XXXX XXXX and to please call them. He then told me they did call them and XXXX XXXX XXXX claimed not to have an account for me. i told him again to contact them. After getting off the phone with them, I called XXXX XXXX and confirmnd the XXXX account was enrolled in my plan. I then submitted a contact us request online through Spring Oak Capitlal 's website and even provided the phone number for them to call and asked them not to call me. A week later, i received another phone call. The gentleman on the phone told me, yes we see XXXX XXXX XXXX but no phone number for them. I told him I sent the phone number to them via their portal. 
I again went on the portal and submitted a second request to not contact me. Yesterday evening, XX/XX/XXXX, they called me again at XXXX. I did not answer. I have been faithfully working on all my debts and working with XXXX XXXX XXXX for almost 2 years. 5 of my creditors have been settled and paid in full. If they do not want to work with XXXX, they need to just leave me alone. I can not afford to pay XXXX and them as well.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (NJ)

This company sued me in the state of Georgia without notifying me. I was not properly served and Georgia being the horrible state that they are let this happen. I also had 2 credit card accounts that are still on my credit report from the original creditor XXXXXXXX XXXX. I had a contract with XXXX and was enrolled in a program that offered account protection services. Not only did XXXX deny these services after paying for it but they handed my bill to XXXX XXXX XXXX who then tried to sue me for the debt. The services was suppose to provide me relief if I involuntary lost my job through the company Account XXXX. I was wrongfully terminated during the time I had these accounts and I even won a lawsuit for wrongful termination. After settling the wrongful termination with my previous employer, comenity still refused to take responsibility and contact XXXX XXXX XXXX regarding my account. It's been 5 years and they still refuse to fix any damages to my credit report. They also charged hidden interest fees in which they were sued for and yes I was one of the many people who was part of the class action lawsuit with XXXX. Second round is trying to collect debt from me when I had a written contract with Account XXXX and paid Account XXXX  for credit protection if I ever involuntary lost my job. I have documentation of my lawsuit settlement against my former employer who agrees to settle with me after retaliation and wrongful termination.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo knew full well from their internal data that they were going to reject my application for a credit card that they advertised to me online. The listed their reason as accounts with Wells Fargo were not paid as agreed. This is from several years ago a XXXX XXXX XXXX 

Instead of just denying my application which they knew they would do they had me unfreeze my credit report and then they did a hard pull on my credit which showed that I now have excellent credit. 

Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary. 

There was no need whatsoever for them to put me through unfreezing my credit and then enduring a hard pull on my credit report. 

Again I emphasize that Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a customer service representative XXXX Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.