davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

Account Number XXXX open, Amsher Collection Service Inc, Amount Owed {$620.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all credit bureaus. XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I tried placing a Freeze on my Experian credit file and I was denied. Experian asked me to mail in my request to freeze my credit file. I refuse to mail Experian requesting a freeze when I need to have my credit frozen immediately. I am a victim of identity theft and need to have my credit frozen immediately without having to wait weeks to hear back from Experian via mail. I refuse to pay a credit bureau to lock my credit file when it is their job to make sure my personal information is protected and the lock should be offered for free to consumers.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-27
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. (CA)

UNDER 15 USC 1681 CONGRESSIONAL FINDINGS ( a ) and fairness and accuracy of information has been violated because ive sent a letter clearly showing the errors and inaccuracies
Consumer complaint received 2023-07-01
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)

From XXXX XXXX social security number is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX My complaint is that I have five negative accounts on my XXXX XXXX report that are charged off, the negative accounts are credit card accounts that are charged off can you please have XXXX XXXX dispute the 4 averse accounts that are charged off. And my complaint with equifax there are three negative items their are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm disputing the negative items as fraud and and my complaint with XXXX is I have four negative items s there show all charged offs I'm disputing this as fraud there XXXX XXXX XXXX XXXX XXXX .all four negative items on XXXX are fraud please have XXXX  disputes items
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WASHINGTON FEDERAL BANK (WA)

Washington Federal, the Bank, recently, XX/XX/21, upgraded their Online banking the result of which I could not access my accounts. I contacted the " Bank '' who advise me that they, the Bank, now requires access to my " Cookies '' and third party Cookies for third party tracking. I advised the " Bank '' that I objected to doing this, since it is an invasion of my privacy and put me at risk with " predators '', possible fraud and harassments from unwanted solicitations on the web and they " the Bank '' do not need my " Cookies '' to transact my business. The " the bank '' advised me that this is their policy. I contacted other banks in my area who now, also require access to my " Cookies ''. This, now, appears, to me, to be a conspiracy. Why, at this juncture in time do, banks, have to invade the privacy of private citizens and put them in " harms '' way?
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

PLEASE NOTE THIS IS FOURTH TIME TO COMPLAINT EQUIFAX i had contacted many times EQUIFAX INFORMATION SERVICE LLC to remove  Unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 Unauthorized hard inquiry -XXXX/XXXX Inquiry from XX/XX/2018 -XXXX/XXXX Inquiry from XX/XX/2018
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (OH)

I still have not received written confirmation of the actions that was mailed to NCB Management Services on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I mentioned to them, I am a victim of identity theft. I recently learned that my personal information was used to open an account with a company called XXXX XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. The trade line from XXXX XXXX XXXX was removed from my credit profiles immediately once I sent them all of the identity theft information. I had sent the same information to NCB Management Services whom claim to own the account. In my correspondence I had enclosed a copy of my FTC Identity Theft Report. Because the information they are reporting is the result of identity theft, and inaccurate, I requested that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers, which explains their responsibilities when reporting information to CRAs. I had asked that they stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. I further request that they please send me a letter explaining their findings and actions. The only response back from them was their own copy of a theft report which was promptly filled out and sent back. The fraudulent information still remains on my credit profiles. This is causing severe financial harm to my family.
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XXXX - XXXX I am approved for Mortgage assistance payments via Pennymac. They have been posting my payments late every month. However this month, no payment has been posted. XXXX has assured me that a payment was sent on XXXX and that Pennymac has already cashed the check. However, nothing has been posted to my account. I have been promised a call from someone in Pennymac XXXX  department and no one has called yet!
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : THE XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2018, I noticed an unauthorized check had been paid from my Citizens Bank checking account. The check in the amount of {$390.00} was paid to " XXXX XXXX XXXX XXXX '', and was cashed or deposited at XXXX XXXX XXXX  XXXX. 
I have never heard of or done any business with " XXXX XXXX XXXX XXXX '' I called Citizens bank 's fraud department to report. The fraud department told me they would investigate, I would receive something in the mail to sign and return, and that I should close the account so no further charges could be made on it. I went to the bank to close the account immediately. Since the account was overdrawn due to the fraudulent check, I was not able to close the account, but asked the bank to make it a deposit only account. On XX/XX/XXXX, additional overdraft charges appeared on the account. I called the bank and they said that no hold, or change to the account had been made. This despite my going to a branch office in person to get that done. 
One week after that, I called to ask again about the status of the fraud investigation and the papers I was told I would receive ( but did not ). After being on hold for a while, I was told it was still being investigated and they had no new information. 
On XX/XX/XXXX, I called again, and was told it was still being investigated. The representative said the bank where the check was deposited had not responded to the inquiry from Citizens. 
Two days after that, I received a debt collection letter from Citizens bank regarding the overdrawn account. Receiving a debt collection letter make me believe that Citizens is not investigating the fraudulent check, and the bank may not  even be aware of the issue.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NC)

This started because I made a mistake, and I know what I did wrong. I was doing a balance transfer for {$6000.00} to consolidate debt. However, when I submitted the card information for the balance transfer, I accidentally entered the wrong credit card number from my wallet. The card I entered was a citibank card I had recently closed. It looked very similar to the card I meant to transfer the balance from, but I entered citibank card by mistake. 

Now, I have a credit balance ( surplus ) of - {$6000.00} on the citibank card. The card is closed, so it is stuck in the account. I contacted citibank for the first time to tell them what I had done on XX/XX/XXXX. The rep said they would process a credit/check to be sent back to me within 3-5 business days. They took my checking account number and routing number over online/secure chat. 

I have contacted Citibank every day since the XX/XX/XXXX to ask when the funds will be credited back to me. They say " tomorrow '' each day. Or, they say " 1-2 days '' each time. It hasn't moved from the account. I can't pay the credit cards I need to pay because this money is tied up at Citibank. I would understand if they need to void the balance transfer and just let me start over, but they won't do that either. I'm out of options.
Consumer complaint received 2022-12-27
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. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (AR)

I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have faced in attempting to correct several late open accounts on my credit report. Despite my diligent efforts, the inaccuracies persist, and I have made multiple attempts to rectify this situation. I would like to bring this matter to your attention in hopes of resolving it promptly. 

I have followed all the proper procedures as outlined in the Fair Credit Reporting Act ( FCRA ) by filing disputes with the credit bureau and providing supporting documentation to substantiate my claims. However, despite my persistent efforts, these inaccuracies remain unresolved, negatively impacting my creditworthiness. 

I understand the importance of accurate credit reporting for individuals like me, who rely on their credit scores for various financial transactions. The inaccuracies on my credit report have resulted in unjust consequences, including higher interest rates and difficulties in obtaining credit. 

I kindly request that you investigate these issues urgently and make the necessary corrections to my credit report. I also request that you provide me with a detailed explanation of the actions taken to rectify these inaccuracies, along with a timeline for their resolution. Please ensure that I receive a written response within the time frame prescribed by the FCRA. 

If my concerns are not addressed promptly and the inaccuracies on my credit report persist, I XXXX have no choice but to seek legal action to protect my rights under the FCRA. Kindly assist me to correct the followiing late open accounts : XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00} ; XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00}.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (VA)

I received a garnishment summons in the mail from c/o XXXX XXXX XXXX, XXXX that are representing American Express National Bank on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is about bank of america and the criminal negligence to follow reg e and EFT rules when it comes to my complaining about unauthorized entry into my XXXX bofa account via BOFA desktop and mobile applications where as a fraudster gained access to my account to enact a electronic funds transfer of {$5000.00} at least 3 times. with each time i immediately contacted the bank and informed of the fraud the same day the fraud took place and notified bofa each time that i don't not do electronic fund transfers and not to permit these types of transactions and that i specifically told them that someone was gaining access to my bank account using the 16 digit pin of chipped prepaid debit cards prior to me ever receiving the cards in the mail and the bank continues to not follow CFPB rules regarding the banks requirements to follow REGULATION E and EFT in regards to their requirements to initiate and investigate my fraud claims which they did not and has been more than 40 phone calls to this bank in the past year alone fighting them to actually do their job and return stolen/fraud type funds illegally taken from my account and then illegally refused to follow federal court judgements against the bank for the specifics i have aforementioned above. These dates are numerous times in XXXX XXXX and XXXX of this year in regards to electronic funds transfers and them refusing to investigate and i only know what happened because i pursued against the bank dealing with them hanging up on me,, leaving me on hold, doing nothing, not following through with anything the management had personally told me and at the age of XXXX XXXX XXXX, it has severely caused a great amount of undue and unfair stress on my life, i have had XXXX XXXX XXXX trip to the emergency room related to the stress not having my money for the past year and having to be driven nearly mad in order to barely begin to get my money back and now i've been without money for over 2 moths again, and i think that bank of america should be paying me immediately all of the money they have allowed to be illegally transferred out of my account and then refused to return the money by not completing anything like an investigation as i can tell you dates times and account numbers of who took, where did it go, the amount of what was stolen, and the number of times i have had to call and still not have any resolution. Alo the CFPB isn't doing anything on the consumers behalf and if bofa wont pay me extra money for all of the physical and emotional harm, pain and suffering i have endured because of their failure to follow state and federal laws and guidelines, i want the CFPB to pay mat least 3 times the amount of money that bofa has reluctantly finally repaid me as of today XX/XX/XXXX, and 3 times the EFT 's that were stolen frolm my account between XX/XX/XXXX and today.
Consumer complaint received 2023-05-14
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. (GA)

This is a follow up to investigate and correct the following inaccurate items from my credit report issued by credit reporting agencies. The items must be removed to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As Required by the act i demand you re-verify these items and validate these are my debts and that the inaccurate items will be deleted from my credit report. The attached documents from my credit report prove inaccuracies with payment dates and payment history on closed accounts that are also showing up as a collection account on my profile. Can these accounts please be validated so i can fully understand these tradelines. 

XXXX XXXX XXXX XXXXXXXX {$6100.00} opened XX/XX/XXXX XXXX  XXXX XXXX XXXX {$9800.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6100.00} opened XX/XX/XXXX XXXX & XXXX XXXX {$470.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} opened XX/XX/XXXX
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I have received late fees for not making on time payments since XX/XX/2019. However the due date was changed from the end of the month to the beginning of the month without my permission, and I was not made aware of this change. I have called about this issue, however never get a straight answer as to why it was changed. This is an illegal action under the CARD act if I am not mistaken.
Consumer complaint received 2018-03-05
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: EQUIFAX, INC. (FL)

FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS
Consumer complaint received 2022-12-27
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. (OR)

Even with multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus previously on XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX