davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2021-12-17
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: AMERICAN EXPRESS COMPANY (CT)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX CARD Account Number : XXXX XXXX Account Number : XXXX AMEX Account Number : XXXX XXXX XXXX BANK XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} ; 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
Consumer complaint received 2023-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (AZ)

I dont know anything about this debt, never received anything about it, I need dates, times, and services. I had insurance so I dont know how I had this problem unless its not mine. I NEED SOME SORT OF PROOF THAT IT IS MINE THATS ALL IVE BEEN ASKING FOR XXXX XXXX XXXX I NEED TO SEE THE PROOF OR REMOVE THIS XXXX FROM MY CREDIT REPORT ASAP.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a letter regarding an application for an XXXX XXXX XXXX XXXX ( letter attached ). My former address is on the letter. I did not submit an application of any credit card from Bank of America. I did contact Bank of America in writing ( USPS ) to advise that this is a fraudulent application.
Consumer complaint received 2023-07-29
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hi Im having problems with capital one bank so I had an issue with an charge that was charged to my account and captain one send me a refund and then at the same time they withdraw the money from my account that made my account negative balance and they want me to pay a balance that they made my account negative and they still keep calling me and harassing me
Consumer complaint received 2023-05-21
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. (GA)

On XX/XX/2023, I mailed a letter to LVNV Funding/Resurgent Capital referencing account XXXX. I requested full validation of this debt, proof that I am indeed the party they are asking to pay this debt, and proof there is some contractual obligation that is binding for me to pay it. I requested that LVNV Funding/Resurgent Capital stop contacting me by telephone and email and restrict their contact with me to writing only via postal mail to my current mailing address only when they can provide adequate validation of this debt. On XX/XX/2023, LVNV Funding/Resurgent Capital sent me an account summary which is not proof of ownership and the right to collect on the debt. LVNV Funding/Resurgent Capital communicated with me after a cease and desist was requested in the letter. LVNV Funding/Resurgent Capital failed to provide me with a purchase agreement that lets me know who has had ownership of the debt, how they can collect on the debt, and if they can sue for the debt.
Consumer complaint received 2024-02-22
Product: Credit 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: CITIBANK, N.A. (MA)

My name is XXXX XXXX XXXX, and I have been a loyal Citi Bank customer since XXXX. In XX/XX/XXXX, I noticed fraudulent transactions on my Citi XXXX XXXX Credit Card with the number XXXX XXXX XXXX XXXX. Immediately, I contacted Citi customer service to dispute these charges, which amounted to 10 transactions detailed in the attached statement for the month of XX/XX/XXXX. 

To my surprise, I later discovered that Citi had transferred these fraudulent charges to a new credit card ending in XXXX without notifying me. I want to emphasize that I never received this new card physically, and I certainly did not authorize or make any transactions on it. 

Recently, I received a notice demanding payment of the debt, totaling {$3100.00}, on the card ending in XXXX. Despite my repeated efforts, the situation remains unresolved since XX/XX/XXXX. The frequent calls and notices related to the fraudulent transactions have caused significant distress. Regrettably, this experience has led me to reconsider my banking relationship with CITI. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Optimum Outcomes, Inc. (GA)

Optimum Outcomes are still reporting on my report credit report even though the bill was dismissed by the original creditor, I have sent in the copies of the dismissal paperwork to the debt collector and also to the credit bureaus, and nothing has changed. I have disputed it with The credit bureaus and they are still retuning it to me reporting it as a verified. How can they say its verified if it has been dismissed. I have sent all of the paperwork and they both have yet to delete it from my file. I have never signed a contract with optimum outcomes nor I have I ever verified that I owe this debt, because I do not. It was dismissed.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are unauthorized inquiries on my credit report from the following institutions : XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, 2023
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (IL)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank has allegedly engaged in malicious competitive practices by disabling the external repayment functionality of my external repayment bank. Despite numerous attempts to contact and multiple complaints lodged, the issue remains unresolved. 

The matter revolves around Wells Fargo Banks purported interference with the external repayment mechanism, which directly affects my ability to manage repayments efficiently and conveniently. Despite repeated efforts to resolve the issue through communication and complaint channels, Wells Fargo Bank has failed to provide satisfactory solutions or even acknowledge the severity of the situation. 

This alleged behavior raises serious concerns about Wells Fargo Banks commitment to fair competition and customer service standards. Disabling essential repayment functionalities not only inconveniences customers but also undermines trust in the banking system. 

As a concerned individual, I urge Wells Fargo Bank to address this matter promptly and transparently, ensuring the restoration of external repayment functionality and providing assurances against future instances of similar competitive practices. Failure to do so may result in further escalation of this issue and potential legal recourse.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (FL)

My name is 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 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (NC)

This company offers credit building. I used my own money and secured XXXX separate loans under Self Lender. ( # XXXX & # XXXX ). Self Lender disbursed funds under two separate names : The 1st was Self Financial Inc./Lead Bank # XXXX and the 2nd was XXXX XXXX Self Lender XXXX XXXX. I made monthly timely payments that were drafted from my debit card monthly. I called the company to update my debit card so that they could continue taking the monthly payments and they did not update the information. Their error caused late payments on my account. I was not aware they had not updated my account until recently when I saw my credit report. I disputed the information because its an error on their part. Self Financial Inc ./Lead Bank XXXX XXXX Self Lender added additional late payments to accounts that were closed in XXXX and XXXX. This was retaliatory, incorrect and malicious. I paid my debt. They should not be able to reopen a closed account nor should they be able to add fraudulent information two years after the account was closed.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries immediately. 

XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

Hello, I need to file a complaint about Huntington Bank. I am unable to access my mortgage online. I receive this message : " You have encountered an error. If the problem persists, please contact lender support. '' This may seem like a simple problem and one may ask why escalate it to consumerfinance.gov but I have called weekly since XXXX. If I had to guess I am on the phone for an average of XXXX minutes each time. I have an original ticket number of XXXX. I did not ask for any reference numbers for the phone calls or any names of any agents prior to last week because I assumed that this was a simple fix and it would be resolved at some point. I was promised on XX/XX/XXXX that it would be completed by XX/XX/XXXX but it's now XX/XX/XXXX. When I called again today, the agent I spoke to stated after speaking to the service department they had closed the ticket out stating it was resolved. It is causing undue hardship to call every week just to check on the status of my mortgage and also to have to keep following up on a simple fix to my online banking account. I'm hoping that reaching out to the consumer finance department will help me resolve this issue. 

Thank you for your attention.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (IL)

In the mid XXXX  's I had a checking account with US Bank. I closed this account with a negative balance and paid this balance in FULL. I have proof of payment both in writing and bank statement showing the payment. Over the last decade I have had multiple agencies reach out to me about pending civil litigation on behalf of US Bank to collect on this debt. the balance now being claimed I owe is double the original balance due to " fees and penalties ''. I have had to prove on at least 5 separate accounts most recently today that I have paid this debt. I feel at this point I can be sued for debt paid if I ever happen to lose this receipt. I also do not understand why this debt is still being sold to agencies when it has been paid, At this point I do not know what my options are.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (NY)

I had a credit card with XXXX XXXX. I went through a hard time personally so I entered into a collection agreement with a law office that I believe XXXX had assigned names Zwicker & Associates. The agreement was for 1 year. The settlement was for XXXX XXXX  XXXX in the amount of XXXX$480.00}. The total was {$5700.00}. 

I have proof on my XXXX  account that I was paying them for that year. XXXX still has it on my credit report. I need help in order to get this off. I did my part but it seems that no one is trying to help me. I even tried disputing it through XXXX. 

I also called the company and they said that there was no contract to forward me to review. This made me think they were trying to scam me. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (TX)

It came to my attention that my account had been compromised probably via a skimmer from a gas pump. This has happened to us before in XXXX and Netspend refunded us the money that was stolen at that time. 

On XX/XX/XXXX, I realized my account was almost to zero and could see four charges that were not authorized by me as well as five charges where someone was repeatedly checking the balance ( 50 cents each time. ) Netspend told me however that they do not refund for fees for balance checks and other atm fees even when info has been stolen, which I understand. But by seeing the repeated balance checks, it proves it wasn't me. Why would I keep checking the balance of my own account at a random atm/gas station in XXXX, TX when I have access to my account balance via the app/website/phone call. Why would I wihtdraw XXXX XXXX dollars three seperate times in a row when I could withdraw a larger amount all at once? All of these unauthorized charges occurred at the same location in XXXX at XXXX. I'm sure if anyone would like to request the CCTV footage at that location you can see the person doing this is NOT me or my husband. 

The amounts stolen from me were : 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 These transactions were made in XXXX, TX where I was not anywhere near. 

At the same time I called to dispute this -- These charges were AUTHORIZED and the customer service representative from Netspend mistakenly added them to my claim : XXXX XX/XX/XXXX {$20.00} XXXX # XXXX XX/XX/XXXX {$3.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX # XXXX XX/XX/XXXX {$36.00} XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX {$41.00} They claimed they couldn't cancel a dispute on a transaction that was mistakenly made but it does make me wonder if they automatically denied the disputes for the UNAUTHORIZED transactions because they were mixed in with these? 

I disputed these unauthorized transactions with Netspend and after 10 business days I was told that they found no error had occured. I asked to appeal and reopen the case where they said they would reopen it. A few days later I'm told that my claim can not be reopened because the decision has been made already. 

I did NOT make these transactions. They were UNAUTHORIZED by me but Netspend basically said they don't care. We work hard for our money and we are just trying to take care of our family. Any help is appreciated.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One Bank is violating the The Equal Credit Opportunity Act ( ECOA ) by credit discrimination. I have applied for a Capital One Bank Secured credit card 4 times within in the last 2 months, and each time, I received a letter from Capital One Bank stating they couldnt verify my identity, even though, I mailed Capital One Bank identification documentation to verify my identity, but my application was still denied because Capital One Bank informed me they couldnt verify my identity. This is discrimination and a complete violation of The Equal Credit Opportunity Act under federal law. I applied for a Capital One Bank secured credit card on XX/XX/2020 and I am waiting on a response from Capital One Bank.