davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (CA)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/2016 I went to XXXX XXXX for XXXX XXXX XXXX  under my chin. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the grey hairs on my chin I was told XXXX or remove black hairs, and for the grey hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my chin are grey, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to XXXX XXXX. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.
Consumer complaint received 2023-08-05
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: CORELOGIC INC (TX)

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Consumer complaint received 2024-06-10
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 (MD)

I have a VentureX credit card with Capital One, and I have been trying to redeem my rewards all weekend by transferring points to an airline. Capital One requires a verification text to be sent to my phone, but they claim they can not verify my phone number in order to send me the text " because I am not the primary on my phone account. '' I am on the phone account, but because I ( like 68 % of Americans ) am on a family plan, they refuse to send me the security code via text ( and offer NO OTHER options for verification ). I have spoken to over 10 associates over hours of phone calls, none of whom would help me. Because Capital One refuses to send me the security text, I can not use my rewards per the terms of the service agreement. This is theft of my rewards, and I request that they stop holding my XXXX rewards points hostage.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I know I said they closed the account verily I said as sure at one bank to another found that there was money available in my card, and I did call XXXX Citibank, they said there is no reason to believe the card or account has been closed even if the Savings bank side is saying that, but I do tell you do you have a credit, and go back and tell yourself that we will pay you payback for all things lost or misplaced if you just call us at the Citigroup HQ hotline, and the Social Security Administration told me to call Citigroup or walk into the bank first and as it had happened to him this same thing, and he was robbed, and had his money turned back once he had doesn't mind as just pay as normal his bills, then turn to the theory of account managers of the Citigroup, and they said that they will payback any wrongful charges, and I cried until unto SSA and said they took everything even yours and moms XXXX  and he said go and tell the Citigroup, and I said even they most coercive me to give them a chance to sign up for cool relationships and they aided if I wanted a bride status or bribe roam east and then normal will you felt, but now I'd said, that if you just chat when that monthly fee arrives I suddenly will dispute and pay back that {$25.00} a month, and if you find anyone dispute worthy you tell me and immediately we'll pay it back, but they hadn't not for hotel XXXX XXXX of XXXX and all the fees they change the dates for and now you see i had supposed fees for the late fees of nothing actually, because all by now the cards have gone through if there is any excess charges when each corporate said they got the payments for the complete payment for each card as done to XXXX and XXXX and so on and I have written proof now they're all paid off, then we know if they cancel anything they're running a celebrity with themselves, and well see it in IRS, I AM FEDERAL EMERGENCY MANGEMENT NO ONE TAKES MORE THEIR ALLOTEMENT. I have taken photos of all receipts of cards now paid clearly off, and if there is so much as a question, about my life in Credit and Scoring let the winds march forth as in XXXX XXXX, for Frozen, must be your account heads, then says XXXX XXXX
Consumer complaint received 2021-03-08
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (VA)

As I stated earlier Macy 's is lying about sending me mail to notify my of late fees. While my address was new and the new address was not on file my old address did have a forwarding address where mail could be sent to. I did in fact get one mail to that address on the month of XXXX. That mail was notifying me of the account closure. Prior to that I never received mail in XXXX, XXXX nor XXXX notifying me of any late payments. After trying to pay over the phone the agent hung up on me after an hour long hold before I could pay off the card. So the following week I went into the store to try and pay off the card and make another purchase. I was under the impression that the card had already been paid off. Macy 's deliberately withheld statements from me notifying me of late payments and did not allow me to pay on time. This is a billing dispute and bank error despite what Macy 's credit card wants to believe. According to https : XXXX XXXX  " Types of Billing Errors '' the company failed to mail you a periodic statement.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

A law firm charged my Citi Double Cash card {$1500.00} onXX/XX/2021. This charge was completely unauthorized. I disputed the charge. The law firm submitted 23 pages of documentation to Citi. I had extensive conversations with this attorney but never agreed to hire her or pay them {$1500.00}. Nowhere in those 23 pages could they show that I authorized any type of charge to my card. Above that, they could not even show that I HIRED the attorney. You file out a retainer agreement when you hire attorney. Not only did I not authorize the charge, I never agreed to hire the attorney. Citi Bank then put a negative mark on my credit bureau report and Macy 's closed my Amex card. Citi then closed my 2 credit cards. Over a completely UNAUTHORIZED charge. They gave the merchant the chance to show authorization but the merchant couldn't even come close to showing that. They couldn't even show that I agreed to hire them. Citi Bank 's practices are abusive and predatory.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2021-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX date breach and may have gotten into the hands of the wrong person
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc. (IL)

I have contacted google multiple times and told them that I don't remember applying for different recurring accounts with them. I also believe that a family member has used my info to get recurring accounts and I didn't realize this until charges from different recurring companies started posting to my credit/debit accounts. I have reached out to google to ask them to stop charging me and I told them these are not charges that I recognize but they are not corresponding back to me. I also believe that the charges were fraud on my XXXX and I changed my XXXX password.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (LA)

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 2021-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have attempted to dispute erroneous accounts on my credit reports with XXXX, XXXX, and TransUnion but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX TransUnion XXXX XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

I received a notice in the mail today XX/XX/21 even thought the notice is from XX/XX/21 about a debt to XXXX. The amount is for {$590.00} and they were willing to accept {$410.00} to resolve the debt. I checked the company which was Jefferson Capital Systems and the phone numbers did not match. I also checked the account number on their official website and there was no record of the debt. I also checked my XXXX account for transactions over the past 10 years starting from today and there is no transaction of such amount. I have never been sent a letter about this debt prior to the one I received today.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OK)

After a sell on XXXX my funds were held in paypal pending documentation/id verification. I submitted all the exact, legal and valid documentation required just to have a permanent restriction placed on my account, which makes it impossible for me to access my money for 180 days. It seems illegal to hold my money. I called paypal and sent emails to figure out why my money was being held or why the limitation had been set after complying with all requests. No one has been able to give me any sort of reason. I don't want the account back at this point.. I just want access to MY MONEY! There is {$330.00} being held for a purse that has been sold and no longer in my possession so paypal has committed theft as far as im concerned. Transaction ID XXXX XX/XX/2020 2020
Consumer complaint received 2021-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eaton Group Attorneys LLC (LA)

On XX/XX/XXXX i received a letter from the Eaton Group Attorneys, LLc it was sent to me from their organization about and alleged debt. 
They wrote in their letter that i should notify their office within 30 days of receiving their notice.So i did notify them on XX/XX/XXXX to cease and desist any attempt to collect this alleged debt. 
But in their greed for money and their love for filing lawsuits they ignore the cease and desist letter and the federal fair debt collection practices act, 15 USC 1692. and filled a lawsuit on XX/XX/XXXX for XXXX XXXX XXXX . 
This is the kind of dishonest law firm / debt collector that gives companies a bad name this dishonest organization needs to be investigated for other violations that they have committed.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (NJ)

This company started reporting a debt they claim was owed to XXXX XXXX in the amount of {$670.00} I tried to ask the collection ( Ability Recoveries ) to provide proof of the debt along with any supporting documents from the original debtor the representative proceeded to argue with me and threaten to " get their money '' and that the debt was my debt, then proceeded to hang up on me. 

I called back and asked to speak with a manager and was told it would take 48 hours to speak with a manager or supervisor, I was then again hung up on and told to stop calling regarding this matter as " they were going to get the money they were owed '' I continued to demand to speak with a supervisor regarding the matter and was again hung up on several times. 

I called back 4-5 additional times and was hung up on each time and then eventually spoke with someone else who told me that the person who was constantly hanging up on me and threatening me was one of the managers. 

I informed them that i would be filing a complaint with reporting agencies and credit bureaus as this information had not been verified but was being reported on my credit as an open collection, however the debt has been more than 7 years old and I stated that to the collection agency and they continued to argue with me and hang up on me, i asked them to stop reporting the inaccurate information and they stated they would not do that as they had already verified the debt without my verification.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My car was stolen on XX/XX/XXXX, and in my car was my bank of america prepaid debit card. This card was compromised, and the remaining balance of XXXX $ or so was fraudulently depleted. Since XX/XX/XXXX or so I've been dealing with Bank of Americas claim team, and have been unable to regain access to my account. 

After filing my claim around XX/XX/XXXX, and receiving the new prepaid card Bank of America/EDD has placed a hold on my account. They both claim that they haven't made any action against my account, but I have been told to wait and wait and eventually my account will be reopened and I'll be able to utilize the funds that were remaining, and hopefully the funds that were fraudulently used. I desperately need these funds as my EDD income is my only source of income currently.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF THE WEST (CA)

This is the third time that I filed this complaint against Bank of The West they keep closing this case but they still haven't refunded my money XXXX Dollars from the wire transfer I don't know why they are allowed to do it this, I've been trying for more than three months and still no resolution this is the complaint XXXX this company should be a shame to put their customers thru this, every time that I call the person handling this case XXXX  XXXX can't give me an answer and like I said this have been going on for more then three Month 's.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (UT)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a 609 validation letter to XXXX  on XX/XX/2021 I also submitted a validation letter to XXXX  and Equifax on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus thank you