davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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. (TN)

I have continued to ask for a signed contract with a wet signature and can not get them to produce XXXX. This loan was taken out online and is fraudulent. 

XXXX XXXX XXXX reported XX/XX/XXXX {$1800.00} Reported balance. 
Highest balance {$3300.00} You've paid off 45 % of this loan. 
Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term XXXX  month CONTACT INFO RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (PA)

I requested a cease and desist instead they made it a dispute and contacted the credit bureaus to label it as a dispute, in which is a direct violation of my cease and desist request! As TSI is using a medium of indirect communication, communicating indirectly to third parties is a indirect form of communication.
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

I filed a dispute on XX/XX/2021 for {$2900.00} for an order I placed for rare houseplants from XXXX. The box was r wet toy no evidence they put them inside from seller. They did not ask for any evidence or photos which I had available. I was notified XX/XX/2021 that it was found to be valid with no notification by mail received or asking for evidence.
Consumer complaint received 2021-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Wakefield and Associates at XXXX XXXX XXXX, XXXX Tennessee XXXX has been sending me collection notices in the amount of {$870.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-12-31
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. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXXXXXX XXXX # XXXX To Whom it XXXX Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-12-31
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Im having difficulties disputing with Equifax. I get the following screen ( see attached ). This has been a problem for 3 years and no one knows how to fix the issue. Yet continues to post false information on me.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (IL)

CITICARDS IS REPORTING FALSE DATA TO XXXX & OTHER AGENCIES. 
FROM XXXX2020 TO XXXX2020. CITICARDS REPORTED A CREDIT BALANCE/LIMIT OF $ XXXX {$4100.00}. BUT MY LIMIT WAS REDUCED TO {$2500.00} ON XXXX ( w/ MY BALANCE BELOW THIS AMOUNT - SINCE XXXX2020 ). 

COMPLAINT FOR : CITICARDS CBNA XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Opened account at Capital one a month ago. Deposited check on XX/XX/XXXX. In XX/XX/XXXX noticed funds not be able to be withdrawn. Repeatedly called Capital one that weekend and week following and got nowhere. I was lied to, hung up on, transferred to nonexistant queues. Got letter today XX/XX/XXXX that funds had cleared, destroy check, spend funds. I activated my debit card which did not work. Called capital one on both my breaks, my lunch, an for an hour and a half after work. No one will give me information on why I can't access funds. No one has sent me anything saying anything other then funds have cleared. So if they cleared what is so important that they would not send me a letter or notification of the actual problem and how to solve it. They are holding my money hostage with no info.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-08-27
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. (NC)

Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything XXXX  told me to mail. STILL THERE. I would like all 8 removed immediately
Consumer complaint received 2020-12-31
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NORTHWEST BANCSHARES INC (TX)

XXXX XXXX XXXX appears to think we have an account with them, despite closing it in person about 4 years ago. After about 3 years of silence, all of a sudden in 2020, they decided we suddenly had an account with them again, despite no contact since our account was previously closed in person. We receive constant emails in the last 6 months under the guise we still have an account with them. I have contacted them and continued to request we are removed from their mailing lists and expressed concerns that they thing we are a current customer. I have received replies stating " it will be taken care of '' but nothing changes, and we continue to receive communications, primarily via email, from them.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (IL)

1. Equifax sent response that XXXX XX/XX/XXXX was not currently showing. 

2. Received report today dated XX/XX/XXXX, which still has XXXX hard XX/XX/XXXX inquiry. 

3. Telephone number ( XXXX ) XXXX next to my address is not correct. Again this number was never my phone number but that of a neighbor same address - XXXX  XXXX with the same last name. 

4. I can not dispute it online because it does not show up. It only shows up when you order a report by phone.

5. I can not speak to a representative because they say I am not me.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

From- XXXX XXXX XXXX , for Dispute Case # XXXX XXXX XXXX ( Money Network ) Thank You in advance for help. 
I received a EIP Stimulus payment of XXXX on a Visa. Went shopping and could not locate card. 
Gave it a day to see if card by chance turned up. Still no card. So I immediately called XXXX XXXX  Customer Service and reported card lost. Also asked for a duplicate at this same time. 9 days later received card and checked balance. Very bad news/only XXXX Someone got a hold of my card and fraudulently charged XXXX at various stores. I never gave permission to anyone at anytime for card use. 
I immediately called XXXX and reported now stolen of course. Also made Police Report same day. 
I've done everything by the book meaning all time restraints given as well constant contact. 
They have by accident or maliciously given me wrong application info, etc. so as to create a better outcome for them. 
I am XXXX on very little income and have already spent roughly {$50.00} on mailings and Faxes dealing with them. Please help me, Respectfully Submitted, XXXX XXXX XXXX * Feel free to call anytime if needed for questions ( XXXX ) -XXXX
Consumer complaint received 2020-12-31
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. (MD)

I received notification that the debt was placed on my credit file on XXXX/XXXX/2020. I immediately notified the company that I was a victim of identity theft and that they remove this from my file or please provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. This matter has been reported before and the company can not & has not been able to provide me a validation of the debt letter. It was off my report for a while & somehow it's back. What has changed? How can they remove it for years then just add it back on without notifying me. I believe that they in violation of the unfair trade practices law. Please assist me in resolving this matter.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX On XX/XX/2019 I submitted an online application for an XXXX  XXXX  Visa XXXX card. I applied for the account using the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had moved to XXXX  for a year-long secondment with my company, XXXX, but retained my residence at XXXX XXXX XXXX XXXX XXXX. At the time I registered, all my billing addresses were in XXXX XXXX, but my shipping addresses were in XXXX. If there was any way to clarify that in your online registration process, I would have informed you at which address I would have preferred to receive my mail. 

From XX/XX/2019 through XXXX XXXX  monthly billing statements were mailed to the aforementioned XXXX, NY address. Is it correct to assume the XXXX statement would have gone out mid-month, on XX/XX/XXXX? On XX/XX/2019 I opened my first correspondence that I received from your organization. Can you imagine my surprise when I opened my first communication from your company to see that you already served me + {$100.00} in late fees? 

As a customer, I have the right to be notified, informed, and given the opportunity to settle my balance prior to being hit with late fees. Your duty to communicate with your customer doesnt end when you stamp and send a letter, your customer needs to receive that letter. My credit score has since dropped from above XXXX to XXXX, because of this miscommunication about billing/mailing addresses. I request that you acknowledge that I am a responsible credit card customer, that I paid for my purchases at my first opportunity, and undo whatever your organization did to impact my credit score. 

Cheers, XXXX XXXX
Consumer complaint received 2023-03-17
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. (NJ)

I have disputed multiple items on my credit report and they came back verified and I sent notice of only one Address and name and they also refused to remove the others
Consumer complaint received 2021-08-28
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. (OH)

RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Consumer complaint received 2020-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (NJ)

I paid XXXX to a collection agency on XX/XX/XXXX with no receipt of payment besides showing my XXXX card was charged for the money. XXXX XXXX  XXXX  then sent this to another collection agency and the charge was disputed and removed from my credit report. Another agency recently ( XX/XX/XXXX ) states they obtained the debt and I still need to pay. This bill has been paid off and XXXX XXXX XXXX now continues to haunt my life.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (SC)

I contacted NCB Management, Via certified mail it was signed for on XXXX XXXX, I ask them to verify account, within 30 days, they never did, but they updated the account on my XXXX Credit Report on XX/XX/2020. When I spoke to a representative, I was told that I needed to contact the company. On XX/XX/2020. I received a letter stating that they couldn't substantiate my claim and asked my to send over any information, that may have to help them with this account. XX/XX/2020, they received a letter stating that they have 10 days to removed said account from my credit report. Haven't heard anything from them since than, But XXXX  updated my dispute on last evening saying that the account was updated and not deleted. I need help ....