davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX, received credit report notification via XXXX that a new collection account was on my credit from NCS ( National Credit Systems ) in the amount of {$120.00}. I contacted them and was advised that an apartment complex that I moved out of in 2021 had sent the debt to them for collection. I asked for verification of the debt, and NCS sent me ( via email ) a charge for prorated rent and miscellaneous utility fees. I explained to them that I had worked this out in 2021 with the apartment complex - they had sent me the breakdown of move-out charges back in 2021 which included fraudulent move out fees, fraudulent damage fees, and non-itemized charges as well as a fee for a date when I did not live at the complex. NCS told me it was best not to dispute the debt with the credit bureaus and allow them 30 days to get the Original Creditor to validate the debt. I contacted them in XXXX and was told the XXXX did not respond and since they only had 30 days, the debt would be removed and I would get a letter advising the same. Since I did not receive a letter and the debt is still on my credit, I disputed it with the credit bureaus and contacted NCS again. Today, NCS advised they got validation yesterday and the debt would stay on my credit unless I mailed them the information I had ( which I offered to provide in XXXX, but NCS told me to wait until the XXXX responded ). This company has had this debt since 2021 and parked it on my credit in XXXX. They did not send me ANY letters ( they have my forwarding address ) and only communicate with me if I contact THEM.
Consumer complaint received 2024-07-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have a {$25.00} Amex gift card that I have no access to. I contacted them and requested information on how to access the money from the state and they could not provide me information. They denied my request for them to seek my unclaimed property and send it it me and could not provide me any information on how to get in touch with the state for said unclaimed properties. The card has not yet expired or has been used yet. Do not use American Express for gift cards, they are a nightmare to deal with.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

My account was closed with know warning and they said it was due to a policy about if an account is over drawn for 60 days they close it. Was not in my paper work and now I have no way to be paid from my new job. I know this is erroneous due to having my account over drawn for longer before.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

When I investigated my credit report once again, I realized that some of the accounts were erroneous and unverified. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I investigated my credit report once again, I realized that some of the accounts were erroneous and unverified. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$25000.00} ; XXXXXXXX  XXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : CAPITAL ONE AUTO FINAN Account # XXXX
Consumer complaint received 2024-07-06
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: OneMain Finance Corporation (TX)

On XX/XX/XXXX ONEMAIN has a hard inquiry on my credit report that I did not authorize and the company confirmed that I have no applications filed with them in 2024. They put in a ticket to remove inquiry and it has not been removed from XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (TX)

IC System ( No account number ) is listed as a collection account on my XXXX credit report. The alleged amount owed is {$120.00}. 

I have disputed and ask this credit agency for validation of this debt and have not received a response.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (IN)

I discovered the collection account that was opened from XXXX mobile and bought by Sunrise Credit Services, at the beginning of XXXX this year.They never sent me a letter or called me or anything to notify me ( probably because they didn't have my actual info since the only info they would've had has fraudulent and due to identity theft ). The collection account was opened back XXXX and the debt had been delinquent since XX/XX/2022 ( via XXXX dispute report ). I immediately had to look up a number for Sunrise because one had not been provided. Only my severely lowered credit score alerted me there was an issue. I called Sunrise Credit and they mentioned the account originated from the address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX, a location I have never lived. They admitted it sounded like it could be fraud. I thought, bingo, and that they would do a proper investigation and get this off of my credit. Instead, the XXXX rep, who wouldn't give his name, wanted my credit card information in order to charge me {$1.00} to do an investigation. 
I pulled back saying that didn't sound right, he became slightly irritated and threatened me saying they couldn't help me otherwise. This was the only time I spoke with them. I have been disputing the collection via the credit bureaus since, filing police report and also with the FTC Identity Theft division.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I woke up to two emails from Bank of America, one saying an online application is in progress and the other one is its approved and a Safe Advantage banking account is opened. I went to my BoA mobile app and verified there was indeed a banking account opened along with my frequently used credit card. But I didnt authorize this checking account to be open, so I went ahead to call BoA, filed a claim and insisted them to close that checking account. The customer support call was through within 20min and they said the account was closed.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My report shows that my social security number had been leaked on the black Market and upon my investigation of my credit report I found fraudulent accounts and inquiries when disputed with the credit agencies they refused to take the accounts off and said that they had been verified
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I just started a new job at XXXX XXXX XXXX. My first paycheck was mailed to me as they werent able to set up the direct deposit in time. We are paid monthly and I just finished 8 years of training to be a physician and so my paycheck is much larger than before. I deposited the check Monday XX/XX/23 evening and it finally cleared this morning Wednesday XX/XX/23. Then a XXXX administrative hold was placed on my XXXX check. I called this morning and was told by the call center theres nothing they can do it was flagged as suspicious activity. I have bills to pay and am already behind because the check was mailed. This is my money from work and getting a paycheck from a hospital is not suspicious. I am being discriminated against because I used to make less money? Because of the way I look or my background? I shouldnt have to explain to the bank that I got a new job or a raise. I am going to have to get a consumer protection lawyer and waste precious time and money closing my account and suing them? Its ridiculous a bank can do this without any consumer protections. If Im late in my mortgage or other bills its just my problem?
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account not later than 4 business days after the receipt. Also, the information provided on some account are UNKNOWN to me and I have doubts about their accuracy. PLEASE DELETE this FRAUDULENT ACCOUNT. 
XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (SC)

I signed modification paper work on XX/XX/2022. XXXX XXXX got my paper work back on XX/XX/2022. My modification docs said payments will start on XX/XX/2022 and that's what the account will show. Well i called about the acct in XX/XX/2022. One person said wait to make the payment and then another would call and say make a payment. This has been going on for several months. There has been several phone calls in between then and now from the company and to the company. Most of the time I was calling them at least 1-2 times a month. They started out calling me everyday although I was going thru a modification. I told them I was waiting for them to complete the modification so I can start my payments. They would call and say Im on a modification and I would ask why they keep calling? They would tell me let me check the account oh I see you on a modification is there anything i can help you with? I would say no. This does not make any sense. I would say around XXXX I started calling them because they stopped calling. Just to make sure everything was good. On the calls they would tell me they are waiting for the buy out phase. Once the buy out phase is complete you and then start making your payments. I told them that this is not right that they are taking so long. I also stated that this is how you all make people loose their homes. So I talked to them on XX/XX/XXXX the person informs me that {$6600.00} was needed to complete the modification. I told her I didn't have that money. On XX/XX/2022 they told me I had to pay {$6600.00} or the modification would be declined and I would have to pay all he past due amount. I offered to give them {$1500.00} and pay the rest in 10 days they said no. I called back and offered {$4100.00} and rest by end of month and they said no. I am calling all I know to borrow money for the {$6600.00}. They also told me if the mod is declined I would have to do another one and they may not approve it based on how I handled this one. I told them that's not fair to me because it was not my fault that they have not processed the modification. So i had to beg and borrow to come up with the money because I didn't want to loose my home. So Im in the hole with people that I borrowed from. I need help because this is unfair practices.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX bank XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

there is an active online scam targeting job seekers like myself. While the scammers use different techniques and different social media tools, some common aspect of the scam is to offer a position and send a check to be deposited into the job seekers account. I was lay off from a job XX/XX/2023. XXXX searching for jobs continuously on XXXX. The scammer offer the job position as a XXXX XXXX assistant working remotely. Paying $ XXXX as part time XXXX a or full time XXXX at your own. Excited and accept the offer and a check was sent for an amount of {$3200.00} to be deposit in my bank through email. Mobile deposit the check and got the funds XX/XX/2023. Use the funds to buy equipments for home setup to work at home. XXXX to an owner {$1000.00}. Then bought {$2000.00} money orders from postal office. Was instructed to send money orders to a business to get the equipment process and deliver. XXXX the money orders to the address given. Found out Monday XX/XX/2023 the deposit check was a scam forgery from the bank. Called Wellsfargo XXXX XXXX to file the claim Monday evening XX/XX/2023. I am so depressed that in such a vulnerable state and this happen. I have all emails from this scammers, all communications are documented for proof/evidence if needed from this report. I will provide all evidences for your reference if needed
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and am in the process of discharging accounts off of my report. It is the duty of the CRA 's to be reporting accurate information on my report. My credit reputation is damaged due to a supposed late payment reported on my account. I have always paid things on time and have never had an experience with late payments. As a result of this alleged debt being reported on my account, it has tanked my score and made it extremely difficult to act in commerce publicly. I am attempting to apply for apartments and with a score as low as this it is impossible, especially in California. I am working on getting the entire account removed from my report but in the meantime I need this late payment mark removed as soon as possible so that my credit reputation can return to its normal range.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (PA)

I have an Health Savings Account with Optum Bank through my former employer. After leaving my job, I was mailed a notice, dated XX/XX/2023, which included a Truth In Savings disclosure that quoted a {$0.00} monthy account maintenance fee that was described to " now apply to your account. '' However, I have been charged a monthly maintenance fee of {$2.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 

I wrote a letter to Optum on XX/XX/2023 and did not receive a response. On XX/XX/2023, I wrote an electronic message to Optum and received a reply that was not responsive to my concern. The message stated that " Our records show the plan you're currently associated with has a {$2.00} monthly maintenance fee '', however the company 's response did not address the information I provided regarding the disclosure I received over mail that quoted a {$0.00} fee. 

Attachments : Letter from Optum dated XX/XX/2023. 
Letter to Optum dated XX/XX/2023. 
Electronic communication with Optum Customer Service on XX/XX/2023.