davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXX XXXX had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX I asked XXXX to verify collection account reported by Midland Funding Account # XXXX. XXXX responded with account has been verified by the Midland Funding I contacted Midland and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, Midland Fundind responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that Midland Funding had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to XXXX and requested a re-investigation under 15 USC 1681 along with response from original creditor and Midland Funding ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to file a formal complaint against TransUnion for violating my right. I have challenged the validity of the reported public records ( XXXX XXXX 's ) they not accurate and does not belong to me. I sent documents of proof several times, each time they said it was verified as accurate, but said TransUnion could not disclose their method of verification. This is illegal!! They are defaming my character and my financial situation and can not provide me with the source of their information. That is illegal. My next step is to file a federal lawsuit against TransUnion for damages. This will be my 5th time requesting that they remove this information from my public records
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duncan Solutions, lnc. (NJ)

My name is XXXX : XXXX, a federally protected consumer and the beneficiary of the Social Security XXXX XXXX XXXX XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. See the attached documents ( Affidavit ) as it contains my full complaint/demands. I am making this complaint against Professional Account Management LLC. for violating my federally protected consumer rights ( as mentioned in my Affidavit, which now constitutes civil liability per 15 U.S.C 1692k ) and committing identity theft ( 15 U.S.C 1681a ( q ) ( 3 ) ). I have never given Professional Account Management LLC. any permission/consent to use/obtain any of my personal information to commit mail fraud by contacting me about an alleged debt they claim I owe or to create an account without my knowledge ( Exhibit A, attached ), which is also an invasion of my individual privacy. On XX/XX/2022 I received a letter ( Exhibit A, attached ) from Professional Account Management LLC. which is mail fraud ( 18 U.S.C 1341 ) and contains violations as marked. On XX/XX/2022 I sent out documents to Professional Account Management LLC. ( see attached documents ) to verify the debt ( provide a true bill in commerce ), cease and desist and demanded to compensate me for the violations on Exhibit A. On XX/XX/2022 Professional Account Management LLC. received my documents ( green return slip signed attached ). On XX/XX/2022 Professional Account Management LLC. responded with a letter ( Exhibit B-1 ) which is not a proper response to an Affidavit and the documentation they provided to allegedly " validate the debt '' is insufficient. Professional Account Management LLC. has not provided sufficient documentary evidence that can prove that I have any legal/lawful obligation to pay them. I am demanding that Professional Account Management LLC. provide the original instrument of indebtedness or proof that the instrument still exists, and the contract that they have to collect on the alleged " debt ''.
Consumer complaint received 2022-02-23
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. (GA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/2020, contacted the card company to have minimim payment waived due to COVID-19 issues. Saks card services stated, no problem, payment would be taken care of. 
Then get an email for XXXX payment, that shows a double payment due and a late fee assessed to account. 
Contacted company ( XX/XX/XXXX ) to state account payment was communicated and that account payment due is incorrect. After various representatives went through account, acknowledging mishap by rep from XXXX, a late fee was waived but they were not trying to accomodate account properly but instead request payment and stated it was in/going to collections!!! 
Company purposely lied about XXXX payment, then set account up as delinquent, when it wasnt even 30 days past due! 
During these trying times in the country and worldwide, Saks Credit Services and Capital One should be ashamed of themselves. 
The account is being handled incorrectly and in a bias manner! They are trying to get over on my account and set it up negatively with credit bureaus, when that is completely inaccurate!!
Consumer complaint received 2022-02-23
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. (FL)

This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a crook Regions, I have proof and I have attached
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: OPTUM BANK, INC. (CA)

I registered for a XXXX XXXX and a XXXX XXXX card in XX/XX/2022. My company 's plan with Optum Financial began in XX/XX/2022. I was going to use the card to pay for a very expensive dental procedure. 

Optum assured me the card would arrive within 5-10 business days. I have called Optum Financial approximately once per week for the past 2 months, and they have kept saying that the card will arrive in 5-10 business days, but it's been over 2 months. They keep rejecting my request to speak with a manager, they do not provide any additional information, and I still have not received my card.

XXXX  is over, and I have not been able to use my XXXX, which expires at the end of the year. Further, Optum won't let me log into my online account without having a card, so I can't log in and request them to stop debiting my wages to fund my commuter benefits card. So they refuse to send me my XXXX XXXX card, but keep taking money from my wages each month while they do so. 

This is completely unacceptable. I want Optum to send me back every single cent they have stolen from me. I consider this theft because they have taken my money and refused to provide me with a payment card. I want the money sent back to my wages.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-26
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 did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reached out to XXXX XXXX XXXX after noticing a potential fraudulent account opened under my name. After reaching out the problem was never resolved nor have I heard anything back from XXXX XXXX XXXX I explained that I have never owned this card nor did open or have access to this account and would like this removed from my credit.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (PA)

Citi Cards has violated my federal consumer rights. Pursuant to 15 USC 1692b ( 5 ) - XXXX of location information ( 5 ) " not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; '' They have communicated to anyone who saw this mailing they are in the debt collection business. Pursuant to 15 USC 1692d ( 1 ) -Harassment or abuse ( 1 ) " The use or XXXX  of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. '' They have used repeated threats to ruin my reputation and creditworthiness. Furthermore they have also violated 15 USC 1692d ( 4 ) and have threatened to advertise the sale of my alleged debt to a third party to try to coerce payment from me.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (TX)

I had an account with Wells Fargo. When I used it I only used the money that I had in the account. Yet my account became over drawn. I spoke to someone they suppose to had fix the problem. In which they didnt and then charge me fees.
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (VA)

In XXXX of XXXX, someone used my name to open a Synchrony Bank PayPal account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from Synchrony PayPal about an overdue balance around XXXX, XXXX. When I returned the call, the PayPal security department couldn't find any information about an account  matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. Synchrony PayPal had closed the account and had sold it to XXXX XXXX. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to XXXX XXXX in XX/XX/XXXX with documentation. No letter from XXXX. 
I receive several phone calls from XXXX XXXX each day and want it to stop.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.
Consumer complaint received 2020-04-09
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (WI)

BMO Harris Bank misapplied my standard monthly loan payment as a principal reduction payment and subsequently marked my account as past due with a collection notice and a collection phone call, 8 days after they misapplied my payment. When I called to remedy the situation I was met with rudeness and resistance. It took 3-4 hours ( over two days ) of my personal time to fix the issue. It was not until I asked to speak to the collection manager and branch manager ( the local branch manager was amazing and put the customer first, she took the corrective actions for my situation ) that they agreed to fix the payment. The issue is the threatening letters and phone calls for a payment that was made on time but misapplied and refusal to admit the mistake or provide letter of correction.
Consumer complaint received 2020-04-09
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. (CA)

There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit  for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (PA)

Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.