davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.
Consumer complaint received 2021-08-30
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)

On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

XX/XX/XXXX My response to Citizens Bank   enormous amount of paper work and statements and a copy of my signature dated XX/XX/XXXX. At that time of the signature this was a GOLD Account. I was told at that time that I did not have fee because this was a gold  account. I also at that time did a balance transfer because the interest rate was around 11 %. Sometime in XXXX that interest rate on the balance transfer increase dramatically, bringing me into the bank. At that time, I was told my account was change from a GOLD to a Green Account and that was the rate. I was able to lower he rate a bit. From Gold to Green account I guess that is when the XXXX was initiated with interest and fee. I will tell you I would never have signed up for a credit card with XXXX % interest rate. Secondly, I rarely bounce checks. There was a saving account with this checking account that was to cover any bounced checks. I am just learning the XXXX is for debit purchases. 
In XX/XX/XXXX Every single month at least {$12.00} plus XXXX {$8.00} interest fees comes out of the XXXX {$120.00} checking acct XXXX {$12.00} Totally {$140.00} not covered XXXX {$600.00} deposit XX/XX/XXXX {$12.00} Fee Overdraft XXXX {$20.00} overdraft XXXX {$12.00} overdraft XX/XX/XXXX {$20.00} overdraft XX/XX/XXXX XXXX interest charged I closed the account in XX/XX/XXXX because I had to change my password each time I logged into my account. When I went to the bank, they told me I had a weak userID and I had to change that. There were months when it was difficult to use my account as on line banking. 
When I closed account, I had to pay {$19.00} in fees. Not using my debit cards at least 6 times a month, which is no longer a fee. Not making a deposit every month and of course the {$12.00} + interest. 
I was told I owed {$69.00} dollars in fees. They never told me how come or showed me why I owed that and I was in a Citizen Bank  three times wondering what made up the {$69.00}. I was just told I owed it XXXX. I was not aware I signed. If I was told it would be like a credit card with XXXX % For the few overdrafts I do I would never had agreed. 
I am not paying the XXXX interest on a {$140.00} overdraft that resulted in a {$69.00} fee.
Consumer complaint received 2019-01-29
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. (NJ)

On XX/XX/XXXX I sent a dispute to Equifax regarding a collection account that was improperly being reported on my credit profile with their company and should be removed. 

On XX/XX/XXXX Equifax closed my dispute noting that they verified the account. They updated the tradeline, re-aging the account and lower by credit score by 5 points. This was not only incorrect but illegal. 

The account in question that I disputed is with a collection company named XXXX XXXX XXXX. There was no way for Equifax to verify this account as they alleged in their response to my dispute because I have proof that XXXX XXXX XXXX deleted the tradeline on XX/XX/XXXX. XXXX and XXXX both removed the tradeline as a result, however Equifax is claiming that this tradeline which was deleted by the company has been verified. Equifax has gone as far as updating the account to reflect the last activity on the account as XX/XX/XXXX. This illegally re-ages the account to make it remain on my credit profile longer.
Consumer complaint received 2020-02-28
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)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME CREDIT CARD ACCOUNTS AND A LOAN ACCOUNT. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE UNDERSTAND THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage loan from welsfargo and did deferment for 16months due to covid. I took my loan out of deferment this month XX/XX/XXXX and was told I have an active account for XXXX. 

When I started deferment my principal balance was XXXX. I was told that when I started my deferment it would put a pause on my payments and I would not owe any additional money for pausing the payments. They did say I may have to make a balloon payment for my missed payments but that would apply to my principal loan amount of XXXX. I took myself out of deferment XX/XX/XXXX and now my account says I owe XXXX. 

I have attached a screenshot of my statement from XX/XX/XXXX showing that my loan principal amount was XXXX and a screen shot of my wells Fargo mortgage account summary to show the increase put on my principal balance in XX/XX/XXXX. Also I want to let you know my mortgage amount does not include property taxes or home owners insurance as I pay that seperatly and am up to date on payments. 

I called to inquire why my principal balance went up when it should have not changed. From what I was told when I started the deferment, welsfargo should have just paused the payments and then I should have just picked up where I left off after pausing. As far as missed payments go I was suppose to be able to put them at the end of my loan. It appears welsfargo put the missed payments at the end of my loan and added them to my balance. 

When I called on XX/XX/XXXX I got transferred 4 times and then hung up on. No one is able to give me a straight answer and they are saying I have to pay XXXX additionally to the amount I owed before deferment.
Consumer complaint received 2019-12-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

XXXX XXXX continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : XXXX XXXX XXXX XXXX Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time. 
Between XX/XX/2019 and XX/XX/2019, the balance on your XXXX XXXX XXXX collections account decreased by {$1.00} from {$610.00} to {$610.00}. 

This is completely false as I have never paid them anything.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (CA)

I am writing to report multiple violations to the Free Credit Reporting Act. XXXX XXXX XXXX is reporting a related to fraud item to the credit bureaus. I tried to solve this issue with them in the past by sending them a dispute letter. Up to today, they have failed to help me. 

I am demanding thsi company a deletion letter and to remove the following item from my credit report : - Kay Jewelers. Account # XXXX, opened XX/XX/2016. Closed date XX/XX/2016. Limit {$1400.00}, balance {$0.00}. 

If they fail to honor my request, I am willing to let a court decide. Here are the violations that the have committed : - Failing to validate debt - Unfair business practices. - Negligence. - Breach of contract. - Reporting false and erroneous information. Violation to section ( 609 ) of FCRA. 

Please send the attached documents to Kay Jewelers. 

Thank you.
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (FL)

On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a checking account with Citizens Bank in XXXX under the promotion code XXXX. The offer was {$220.00} bonus after receiving direct deposits for {$500.00} per month, for more than three months. The coupon was valid until XX/XX/2019 and the sales agent at XXXX XXXX XXXX XXXX XXXX branch confirmed the coupon was valid and the account had been successfully opened according to promotional terms. After three months, I called to check the status and whether all the terms of the payout has been met - and the answer was yes. I called a second time to confirm the date of the payout, and the answer was sometime in XXXX or XXXX. Today ( XX/XX/2019 ), I called for a third time and the agent said the offer had expired and that was why I had not received the payout. I informed the agent about prior calls, and she said there was no record. I believe I have been defrauded into a financial transaction and I am seeking relief from CFPB.
Consumer complaint received 2019-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

The following accounts are incorrect and they are adversely affecting my livelihood Previous Address : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2019-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I took out a loan with XXXX XXXX in 2008 for a school named XXXX. The school went bankrupt and I was never able to use what I learned. Navient took over my loan, I have been paying on this loan for 11 years and nothing has gone down. This year alone I was sending them XXXX a month and they were just adding it all to interest, nothing went to principal. When I asked for the paperwork explaining why, they never send it to me, my loan went from XXXX to XXXX and it doesn't go down. When I called them about he school going out of business they asked me for all the paperwork to see if they could lower the student loan or help me. I sent the paperwork in three times, no ne seems to find it or know what is going on. I want to know why is it that if I pay extra they applied it to interest instead of principal.
Consumer complaint received 2019-12-04
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. (CT)

XXXX Account XXXX XXXX XXXX XXXX - XXXX reporting agency is reporting that this account was late. This account was never later. Please have them remove late status from my XXXX credit report.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CO)

I sent a modification packet via email on XX/XX/XXXX and was advised I would receive a response with in 5 days to which Selene Finance has not responded. I am very concerned due to the Foreclosure sale date that is scheduled for XX/XX/XXXX. I also have an adult XXXX son who would truly be affected if we have to relocate. I would truly appreciate a response as soon as possible before I loose what I have worked hard for over the past 13 years. Thank you
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.