davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I paid off my credit account but they refuse to mail a final statement showing the account is at a XXXX  balance. They state they do not mail a statement unless there is a balance on the account but how can I verify that my account has been paid in full if they do not send a statement. When I opened the account I was told a statement would be mailed every month that there is ACTIVITY on the account.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (FL)

One XX/XX/XXXX I did a consumer credit transaction with American Express. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from American Express, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after American Express receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the USPS on XXXX and was picked up by someone from the company on XXXX XXXX at XXXX from the post office. These documents requested that American Express respond back and as of today they failed to do so, but have instead contacted me in regards to making a payment. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (VA)

I received a called from a debt collection company about a bill from XXXX from XXXX. I do recall having an account and if so I did filed for bankruptcy. JEFFERSON CAPITAL SYST Company : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1500.00}
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NY)

My name is XXXX XXXX I have a US Bank Smartly Checking account, and I also have a U.S. Bank XXXX XXXX Visa XXXX Credit Card. The US bank website stated that the monthly maintenance fee could be waived if I have an eligible US bank credit card including an Altitude Reserve card. I have obtained the XXXX XXXX credit back on XX/XX/XXXX. Starting on XX/XX/XXXX, my US bank charged me {$6.00} monthly maintenance fee on XX/XX/XXXX, XXXX XXXX, and on XX/XX/XXXX, even though I have an eligible credit card the monthly maintenance fee should be waived. I have called US Bank several times but the issue has not been resolved. Please refund me the XXXX {$6.00} maintenance fees in a total of {$20.00}. Thank you!
Consumer complaint received 2021-01-15
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. (IN)

This Dispute started in the spring of XX/XX/XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XX/XX/XXXX. First by sending it to the collection Agency XXXX in the spring of XX/XX/XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency XXXX XXXX. Again my credit score was lowered and now I am disputing this unreasonable charge with them and XXXX XXXX. At this time XX/XX/XXXX and XX/XX/XXXX have again agreed to remove the report, but for whatever reason Transunion is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with Transunion. I have also told XXXX XXXX I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, Transunion, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with XXXX XXXX, Transunion is dragging their feet and XXXX XXXX will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NY)

Dear credit bureaus and consumer reporting agencies I did open this account ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX is reporting Payment History as XXXX late payments Last payment XX/XX/XXXX Current Payment Status In Collections/Charge XXXX is reporting multiple miss payments in last 3 years Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Due to inconsistency and accurate reporting on a federally consumers profile this fraudulent account must be removed 15 USC 1681b & 15 USC 1681 c-2 Personal note I have been disputing this account for over year. This fraudulent reporting is holding my school plans and my profession career and ultimately my livelihood to be provide and protect my family. I have made my 3rd identity theft with the FTC ( federal trade commission ) I ask humbly to all consumer reporting agencies that receive my now 5th complaint may you by law remove this fraudulent account. Thank you
Consumer complaint received 2023-10-30
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. (GA)

I have already provided the necessary documents for identity theft as well as proven the information has multiple inconsistencies across each credit bureau and requested that the validity of the accounts be properly verified. All parties have failed to provide me that proof. I have also found a publication on the IRS website in which the IRS defines a charge off as gross income ( Section 61 ( a ) ( 12 ) of the Internal Revenue Code specifically includes income from discharge of indebtedness as gross income. ) INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting inaccurate and fraudulent!
Consumer complaint received 2021-01-15
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. (TX)

I have made multiple complaints against XXXX because they are just not right. It is reflected in the attached letter from XXXX ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, XXXX didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but XXXX simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and XXXX protects someone who has nothing to do with the card and stealing.????????? The XXXX debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

They charged us overdraft fees multiple time even though we have overdraft protection and someone hacked our and wells Fargo locked it down to where I couldn't access it and never did anything about it. We had our account locked for about 2-3 weeks before we finally left them. When I called to shut the account down they said there was no progress but they were still working on it. I had other bills that were past due and had late fees from my other bills due to this lock out.
Consumer complaint received 2023-01-24
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. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-15
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. (NC)

I wrote to Equifax that they were reporting an erroneous bankruptcy on my credit report. They responded back to me that the item in question was reporting accurately by the 3rd party company they contact XXXX. I contacted XXXX and they have removed the erroneous item from their files. I need for Equifax to remove the erroneous bankruptcy from my credit report immediately. The confirmation for the Method of Verification from Equifax is # XXXX.
Consumer complaint received 2024-05-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

I received XXXX phone calls from Citibank on XX/XX/year> regarding a XXXX XXXX that my fiance has. The first call came in at XXXX and the agent asked for him to which I responded asking how did they get my number? The agent lied stating that it is on his file and they were reaching out to him about an account with them and wanted to get information about me too. I asked the same question again and included that my information was never included when he applied for the card nor did he add me as an authorized user. The call was disconnected. I received a second call at XXXX the same day but ignored it since I recognized it. The third phone call came in at XXXX to which I did pick up and asked the agent why are they calling me for the XXXX time on the same day after I spoke with someone at XXXX. The agent told me that nothing was showing in her system that they did reach out earlier, so I asked her the same question of how they got my number. She refused to answer that question so I went further reminding her that I am a third party person and I'm supposed to be contacted only once, not 3 times the same day and that they are in violation of the FDCPA since I have proof on my phone of getting contacted 3 times in one day. The phone number that they called me from each time was the same one too.
Consumer complaint received 2021-01-15
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: Specialized Loan Servicing Holdings LLC (NJ)

In 2019 my wife was diagnosed with stage XXXX XXXX XXXX. I am permanently XXXX with XXXX XXXX. We missed mortgage payments for the months XXXX, XXXX, XXXX of 2019. I contacted the mortgage company and they offered a loan modification because of a medical hardship. We sent the application paperwork for modification of the mortgage back on XX/XX/2019. The process of doing the modification of the loan was finalized on XX/XX/XXXX 2019.During this process the mortgage company called every month and withdrew payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 XXXX reported these months late on the credit report to the credit bureaus. I dIsputed this to XXXX, XXXX  and XXXX XXXX. I supplied all three credit reporting services with proof of payments posted to the mortgage company from the checking account. They investigated and return with the loan was modified and current. I disputed the findings again to the credit bureaus. The same answer came back from the investigation. I was told to contact the mortgage company and open a credit dispute with them on an error of crediting payments taking directly from the checking account. I spoke to someone and would not delete the late payments. They told me that I should have asked for a forbearance and that would have not affected my credit. I was never told about this option back in XXXX XXXX.I asked to talk to a supervisor and received a return call the next day with the same decision not to credit these payments. They record all telephone calls. I told the person that took the payments every month that how can you repot these late. I was told when the modification of the loan was complete that it would be fixed on my credit report. I came to find out about this when trying to refinance the loan with another company. I was never credited for the payments and that it shows as late on my credit report. 
Thank You, Trying to refinance a mortgage after a medical hardship
Consumer complaint received 2023-02-06
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. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX : {$2000.00} XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

On XX/XX/2020 I received a call from someone clamming to be from XXXX and had made a mistake on a refund that they where doing and instead of giving {$130.00} they gave {$1100.00} and that they needed to go into my computer to go to my bank account to withdraw the money for XXXX. In order to do the refund they had to open a XXXX account and transfer {$1000.00} to XXXX which they did. I contacted my bank, the withdrawal was pending and they would not cancel it they would however open a dispute. 
About the XXXX I received word from the bank that they had determined that the transaction was not a scam therefor I was out the {$1000.00}
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (PA)

Direct Express has not provisionally credited my account under regulation e for a dispute that I filed on XX/XX/XXXX. I spoke to a customer service rep and the supervisor in the supervisors stated that the provisionary credit will be on the account on XX/XX/XXXX under regulation e. I will begin discrimination claim and financial discrimination claim as the dispute Department from Direct Express will be the third party defendants acting in a discriminatory manner. Direct Express has treated me in a discriminatory manner by not providing good customer service hanging up not fully disclosing my terms and conditions and not honoring my terms and conditions I haven't been fully disclosed on my terms and conditions under Regulation Z.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

My Venmo account got hold since 180 days ago, I had filed a complaint with CFPB and receive feedback from Venmo saying that the funds in my Venmo account it's holding for 180 days and to minimize the risk of loss due to chargebacks, disputes or reversals. and any remaining funds will be made available to me for withdrawal on or before XX/XX/2020. But I'm still unable to withdrawal on XX/XX/2020. So I had email Venmo again on my own, but they told me different things and say that Venmo will not be able to release those funds to me then I also had filed a complaint with CFPB again on XX/XX/2020 and I received feedback from Venmo and they told me the different thing saying that " we reviewed your Account again and determined our decision would not be changed. Between XX/XX/XXXX and XXXX, 2020, you received three payments, which resulted in a loss for Venmo in the total amount of {$2000.00}. Accordingly, the funds from your balance will be removed to cover the loss caused by these payments. As a result, we are declining your request to access your Account balance. '' again from the first time promised me I would able to withdrawal my money on XXXX XXXX I had attached a file about what escalations officers email me saying my funds will be available in XXXX under this email for the proof and an email from Venmo on XX/XX/2020, saying that Venmo will not be able to release those funds to me. I had attached all the documents and email I received from venmo please review it.
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (FL)

I am a victim of identity theft, and this company has no record of me signing a contract with them claiming this debt belongs to me. I asked the company 3 times to provide documentation that this debt belongs to me, and they haven't provided any documentation yet. I need this removed from my account immediately please.