davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NY)

To whom it may concern : On XX/XX/year> throughout XX/XX/year> I made several phone calls and emails to Hunterwarfield support Service department, demanding to know who told this lie on me, identify this claim with a verification letter of XXXX demanded a dispute and agree for them to contact me.They sent me several different attachments at the time of the dates above, it was dummy pictures of XXXX, pictures of the company.I saved them.I continued to call them to file a disputed or fill out a dispute form they said : XXXX, XXXX, Candy the last person I spoke to, we will call you back in 48 hours.They never called me back.I continued to call no response.I wrote a letter of intent about the rules and regulation regarding this false Claim, on XX/XX/year> and send by fax and email throught out XXXX.no response. up to now.My complaint is that they have no right to collect funds from me until the federal rule regarding debt collection is in play and, I have a right to submit a dispute about this hate venture by somebody telling lies on me that work for my lanlord.I am on a federal owned program also, This debt is an actual crime to take money from a tenant instead of going to federal court while I was living there.Thank you I have more.XXXX  XXXX lease agreement holder. 
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Consumer complaint received 2021-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX,XX/XX/XXXXXXXX XXXX # XXXX,XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXXXX 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 2021-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/13 - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXXXX/XX/XXXXand I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX XX/XX/XXXX and after providing all of my information I was told that they did not have my account. 
7. XXXXXX/XX/XXXX stated that I must contact XX/XX/XXXX because they XXXX have my account. They provided the number to XX/XX/XXXX 
8. I contactedXX/XX/XXXX verified my information and was told I did not have an account with them. 
9.XX/XX/XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XX/XX/XXXX and XX/XX/XXXX and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under National Credit Systems and validation was requested on XX/XX/XXXX. On XX/XX/XXXX I reviewed my credit profile again as National Credit Systems had not responded despite the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. After this attempt the agency was also contacted via phone call, however I was informed that they did not have any outstanding balances that I was responsible for and escalated my concerns. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was recently charged late payment fees and interest for my account statement due in XXXX. 

I used to pay my Bank of America credit card using the eBill facility provided by XXXX. Unfortunately the way this was structured, it caused me to pay my bill twice sometimes XXXX like the XX/XX/XXXX bill ). So I removed the eBill from checking account but kept using the the auto pay functionality using the BofA website. 

In XXXX, there was no balance due so no bill was sent to me in mail nor was any payment deducted. 

In XXXX, I had a bill of {$3.00} which was due on XX/XX/XXXX. For some reason, BofA did not send me any bill in mail nor deduct the balance from my checking account. On XX/XX/XXXX I discovered this and spoke to someone from the bank. I made payments for the entirety my outstanding balance but the representative couldn't say if they will be able to revert the charges. 

It is evident from the screenshot that I am attaching with this complaint that the website doesn't allow me to make payments on my account and still thinks that I am enrolled in auto pay. However, as evident by late fees applied by BofA, they actually don't deduct the payment nor send me mails or allow me to make payments online.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Meta Payments Inc. (MA)

On XX/XX/year> & XX/XX/year>, a hacker hacked my XXXX account which included a business page. I am a XXXX and associated with that page, I had a credit card/XXXX  account to pay for boosting info that I placed from time to time regarding my XXXX XXXX  business. The hacker changed my industry from XXXX XXXX to beauty and cosmetics, and charged my XXXX account {$250.00} running cosmetic ads. This same hacker changed my email address and phone number disallowing me access to my own account. XXXX has since disabled the account claiming that inappropriate ads were placed by someone identified as : XXXX. XXXX provides no avenue for a victim of fraud to reach out and rectify the scenario. I have tried many, many times to find someone associated with XXXX, META, and XXXX to help me.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX ) : XX/XX/2022 It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (WA)

I received communication from Comenity bank regarding unauthorized charges on my account statement. I was told I could call and speak with someone and I have called several times and have never been able to speak with anyone. 
Now they have closed down their credit card departments since they no longer offer their credit cards and I can not speak to anyone about my account nor login to review my account since no one has access. 

I made a purchase back in XXXX of XXXX for {$570.00} and was charged on my Wayfarer credit card for that amount which increased my balance. It was on a deferred interest plan, which I understood if I didn't pay that {$570.00} in full by the end of the 12-month plan, I would be charged interest. 
After reviewing my account I did see I was charged {$130.00} in XX/XX/XXXX since I hadn't paid off that whole amount by that time. This increased my balance. I completely understand that part of it. But then I was charged an additional {$360.00} for the same purchase I made in XXXX of XXXX for {$570.00}. 
And this {$360.00} also increased my balance. This means that Wayfair charged me {$570.00} for purchase and then not only charged me an additional {$130.00} in interest but in addition charged me another {$360.00} a year later. 

Wayfairer still has refused to explain to me what that additional {$360.00} is for. How is it possible that I purchase something for {$570.00} and a year later they are making me pay {$1000.00} for the same invoice? 

I need a detailed explanation of why they are making me pay double the the amount I originally owed for that specific item. 

They have made it impossible for me to speak with anyone or even look at my account now- which is completely illegal. I should have access to my account to review their " charges '' and interest. 

This company is terribly unprofessional and they lie. 

I am attaching everything you need to review this whole dispute. 

Thank you
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IL)

I Have several accounts on my credit report showing closed/ charged off still owing a balance deliquent etc.and I have tried to resolve these accounts several times but got no response and nothing is being done as a matter of fact there is a whole lot wrong with my credit report that is preventing me from getting anything, all three credit bueaus are not reporting the same things i have unknown unauthorized hard inquiries on my account they are reporting late payments on my account accounts that should have been off are still on showing a balance due i have sent validation letters letter form the clerk regarding my bankruptcy everything nothing is being done. 
1.RESURGENT CAPITAL SERVICESS L.P 2XXXXXXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-01-13
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 disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2021-01-13
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: Fidelity National Information Services, Inc. (FNIS) (TX)

send informatyion to all : XXXX XXXX  all information on the report, not mine XXXX XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX ( same )
Consumer complaint received 2021-01-13
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. (GA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}, {$160.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2023-02-13
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-03-11
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: ALLY FINANCIAL INC. (IL)

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL Inquiry : XX/XX/2020. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

Checking and Savings account was opened online with Citibank in XX/XX/XXXX. Soon after, I received checkbooks for my checking account. 
I deposited a {$10.00} check from my Citibank into another bank account ( my account at this other bank ) ( dated XXXX XXXX, transaction into other bank took place on XXXX ), only to be told by the other bank that my check was asked to be returned by Citibank ( on XXXX ) as my Citibank checking account had the status of being blocked or frozen in XX/XX/XXXX. 
Upon calling Citibank customer service over telephone, I was informed that the service of using checks from my checking account was not activated. I asked for the activation on XXXX during the same phone call. The agent informed me that I would have received in my welcome pack in XX/XX/XXXX, instructions to 'activate ' the function of using checks from my checking account. 
I had not received any such instructions or warning notice with my checkbooks. I checked my account online on citibank.com and could not find any link to activate checkbooks or this basic checking feature of my checking account. 
The other bank charged me check return fees ( {$10.00} ) as from their point of view, I sent them a check which couldn't be cashed. 
I think it is ridiculous that despite opening the checking account successfully online with Citibank, requesting and receiving check books for said checking account, I am supposed to 'activate ' this basic and core feature of a checking account, while such a basic requirement is not done automatically by the bank upon account opening. 
This is an anti-consumer practice. Citibank has provided no such instructions on their website for this checking account that I could find and I can not find any such letter with instructions from XX/XX/XXXX, even though I keep such physical correspondence from the banks I have a relationship with. Citibank only keeps e-documents for 12 months from their release, so they don't have any documents from my account opening from XXXX that I can download to verify their claims.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MN)

On my flight from North Carolina to Minnesota, the flight attendants were soliciting credit card applications for their XXXX mastercard. As a one time opportunity, they were offering XXXX miles and with no annual fee. The fee would be waived. 

I applied since the outrageous annual fee was being waved. I was approved, I got my card and made a couple charges. When I got my first statement, the outragious {$99.00} annual fee was added to my account. I called customer support and they informed me they they will not waive the annual fee.