davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I never recieved anything in the mail stating I had a debt with this company, i received my first call from them in XX/XX/2019 stating i owed a debt and was late and they would soon start reporting on my credit. I asked the man to please send a letter validating the debt since I had no knowledge of the debt he was referring to, he proceeded to tell me they had already sent it and it was sent back to them, which is impossible since I never sent anything back to them. So he said they would send it again. By XX/XX/2019 I still had not received anything so XX/XX/XXXX I called and requested again for them to validate my debt and the man said it was to late so I asked to speak to a supervisor and the supervisor then told me I could dispute the debt and that they will send me validation in the mail by 30 days, which they did not. So XX/XX/XXXX I called and was told that they were still investigating and then I was told he closed out the investigation while we were speaking and that I would receive documentation validating my debt. To this day I have not received anything in the mail from them yet they are still negatively reporting to the credit bureaus on a debt they cant seem to validate.
Consumer complaint received 2020-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX   XX/XX/XXXX I did not authorize anyone employed by these companies 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. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MA)

A few years back an account was open under my name without my knowledge.The account was overdrawn and charged off. When i had found out I notified them and reported it as identity theft. I got a letter in the mail saying that I was not responsible for it and will be able to open a new account if I wanted to. To this day i am still not able to open an account with them which is very frustrating and not fair!!
Consumer complaint received 2023-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit report and saw XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was XXXX. As they can see from account opening there was never any activity on the account.
Consumer complaint received 2020-02-02
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. (CA)

fraudulent account XXXX XXXX XXXX XXXX date opened : XX/XX/2011 Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B - A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
l will send proof showing EQUIFAX is the only credit bureau with this error and they are Also reporting A 9 year old out dated account that belongs to someone else
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: KEYCORP (PA)

I was offered a balance transfer offer in XX/XX/XXXX for one year until XX/XX/XXXX at 0 % and only pay a balance transfer fee. 
Since I have done this promo on this card, I have been accessed interest every month and I am being told it is because I made purchases. 
I have proof that I have clearly paid way above what is needed to be paid to not incur any interest and they will not remove it and tell me they dont even see a promo and I must pay my card down to {$0.00}. 

I am being lied to and ripped off by KeyBank.
Consumer complaint received 2020-02-02
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}.

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 A

ct, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to rev
iew for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

Amex Serve closed my prepaid account and emailed me that I violated section 12d and 15d of the card holder agreement. They wouldn't take my calls, just closed my account. 

I didn't do anything. You can't do much with a prepaid card and we had the account for over 5 years. 

Please investigate. We were already in the process of closing our account because we were very limited with Amex.
Consumer complaint received 2020-02-02
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: Experian Information Solutions Inc. (CA)

Experian said in its response in file # XXXX, that I did not provide a specific Item that I wanted deleted, That is NOT True. 

If you look at the attachments that I sent with my first complaint File # XXXX. 

I was very clear that I ask for a METHOD OF VERIFICATION as it related to a Item in my Public Record, Experian is not being honest about what I requested. 

This has been going on since XX/XX/2019 and they have not provided me with the METHOD OF VERIFICATION as to date.
Consumer complaint received 2020-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (MO)

I bank with US Bank and they have XXXX to transfer money. XXXX is the system Us Bank use to transfer money. Last month I transferred money through XXXX and the person I transferred money to received the money. Today I use XXXX and the bank email me saying the money went to XXXX XXXX XXXX and the only person I had a as a person to received money was my Landlord account, so I called the bank and spoke with this guy name XXXX, he said he did not know what happen, he put in a dispute so that they could get the money back from XXXX XXXX XXXX. I ask how did XXXX XXXX XXXX become a part of my account or have assess to my account and he could not example what happen that XXXX XXXX XXXX has assess to my account. XXXX is the way I transferred money to my Landlord to pay my rent but instead my rent was sent to XXXX XXXX XXXX and I was told that it would take 7-10 days to make the correction. I ask to speak to his supervisor or manager and he left me on the phone for about 5 minutes and told me they were not available. I could leave a message on their answering service. The best time was to call back Monday, is what he said and then he said, I must have pushed sent for XXXX XXXX XXXX. 
I said I have only one person listed to receive money from me and that is the name that showed, not XXXX XXXX XXXX. When XXXX came back to the phone after I asked for the supervisor and or manage. He told me that I must have pushed the sent sign for XXXX XXXX XXXX. I told him there was no sign for XXXX XXXX XXXX not on the page I was on. All it showed was the person that was suppose to get the money. He still could not explain how XXXX XXXX XXXX have assess to my account with XXXX. Because XXXX XXXX XXXX is not a part of my contact list for XXXX, so " How did my rent money get routed to XXXX XXXX XXXX? '' and Why do I have to wait 7-10 days for it return? XXXX is picked when you want to transfer money through the bank to someone and XXXX ask you check you information before sending which I did. 
Please help. US bank attendant would not let me speak to anyone else, He claim they were unavailable. So the whole weekend and the bank make a error that impact other people 's lives and nothing is done.
Consumer complaint received 2018-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On Friday XX/XX/XXXX I received notice by mail from Chase Bank saying that if I open a new checking account with direct deposit I was going to get {$200.00}. And since the company that I work for issue payroll Chase Bank check I went and opened a new checking account, I deposited {$100.00} on it. 

On TuesdayXX/XX/XXXX I deposited a check from XXXX  of {$1600.00} a loan that I got because I had an emergency. I could only get {$200.00} out it. 
Because they said the found will be the next day. 
The next day I went into the bank to get some money out {$1500.00} on the balance that I had. And my surprise was that they told me, that my account was closed, they also told me that they were going to send by mail check of {$1400.00} that I have not received yet. 

I been going since them to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CA XXXX any luck to get my money reimburse. Until I finally were able to speak with XXXX XXXX XXXX ( Personal Banker Officer ) Who helped me to open the checking account and made a formal complaint on XX/XX/XXXX. 

Today XX/XX/XXXX I still waiting for my money back.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Credit Card Fraud Claim Claim date XX/XX/XXXX says TEMPORARY CREDITS to your account in amount of {$470.00} ( THE TEMPORARY CREDITS have been made PERMANET. ) XX/XX/XXXX Statement attatched show {$560.00} TEMPORARY CREDITS they list as ADJUSTMENT PURCHASES ( beginning USAA fraud investigations ) And XX/XX/XXXX. Statement attatched TEMPORARY CREDITS listed as ADJUSTMENT PURCHASES show {$1.00}, XXXX total TEMPORARY CREDITS both months = {$2300.00} The CREDIT CARD FRAUD CLAIM letter claim date XX/XX/XXXX attatched shows {$470.00} TEMPORARY CREDITS and {$470.00} PERMANET CREDITS. 
If TEMPORARY CREDITS MUST BE MADE PERMANET What will the PERMANET CREDIT APPEAR AS ON STATEMENTS? I've never seen any PERMANET CREDITS TEMPORARY ONES SAY ADJUSTMENT PURCHASES. WHAT DO PERMANET ONES SAY? 
Please give dates of all PERMANET CREDITS. I am looking for {$2.00}, XXXX plus the {$470.00} from XX/XX/XXXX Credit Card Fraud Claim letter. 
I spoke with XXXX USAA REP today and asked How will I recognise PERMANET CREDITS? He said, they will be the TOTAL CREDITS FOR THIS PERIOD AMOUNT. XX/XX/XXXX that amount TOTAL CREDITS was only {$450.00} which included my credit payment of {$77.00} and XX/XX/XXXX TOTAL CREDITS were only {$910.00} There are NO USAA PERMANET CREDITS EVER ON MY ACCOUNT Where are the rest of credits due me? 
USAA has KNOWN THIS IDENINTY THEFT I REPORTED AS SUCH XX/XX/XXXX USAA COLLECTION LETTER attatched I have never had a card ending XXXX AND USAA BREAKS THE LAW There are statues against collections of Ideninity Theft USAA THINKS THEY ARE ABOVE THE LAW USAA OWES ME THE CREDTS NEVER MADE PERMANET They total. {$4.00}, XXXX USAA HAS KNOWN FOR 2 YEARS THIS IS IDENINITY THEFT USAA IS SUPPOSED TO BE ZERO LIABILITY I have been held liable for fraud 2 years
Consumer complaint received 2020-02-02
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. (GA)

On XX/XX/XXXX I reviewed my Transunion credit report. The report contained 3 separate inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I did not authorize. It also contained an Employer by the name of XXXX XXXX as a result of one of the inquiries.
Consumer complaint received 2020-02-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have filed several disputes with Experian in regards to information on my credit report in regards to student loan information being reported wrong and outdated from 10 to 11 years old. I complained about a student loan from the US DOE ( department of education ) in the XXXX XXXX being too old and the wrong information but they came back with it was verified and the same time I was trying to get an address deleted XXXX XXXX XXXX   XXXX XXXX, In. And they said I had to contact the DOE XXXX XXXX and give them my address. I contacted the XXXX XXXX DOE servicer and was advised that there was no loan information in their system ( see attached information from them ) for a loan so it cant be verified. That means Experian lied about verification! They did have my correct address though so Experian lied about that as well. They are suppose to be 100 % accurate on reporting and they are not and they refuse to listen to the consumer at all! So I realize its not what you know but what you can prove I am attaching that proof today for you because they dont care about the proof or whats right. I also attached were the same information is being reported and its different with another credit reporting agency.
Consumer complaint received 2019-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I asked Toyota Financial Services for refunds on prepaid services on my XXXX XXXX XXXX. The Dent Care and Tire Care features were prepaid to them when I purchased the truck. The company said that if in the future I wanted to cancel these features I could and the refundable monies Would Be applied to the principal of my loan. I asked for these two to be canceled and Toyota Financial applied them to my payments cancelling my automatic payment cycle and placing me into late payments status damaging my credit. I called XXXX XXXX at XXXX XXXX who claimed I was ok and everything was good. Not so!
Consumer complaint received 2020-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AZ)

Jefferson capital system re aged a collection account they purchased from XXXX XXXX. The original debt was from XX/XX/2012 and they have reported to all three credit bureaus the account is 3 mo the old which makes it illegal to re age a account per FCRA. I filed a dispute and contacted the collection agency which the supervisor I spoke to informed me they have a payment processing company collecting the debt. Not only that but I am not legally responsible for this account. My debt was with XXXX not any other collection company so that in itself is not allowed. All three credit monitoring agencies have the delinquent date for 3 months from this date when it originally was XX/XX/2012.
Consumer complaint received 2020-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (VA)

I spoke with a XXXX XXXX representative XX/XX/2020 asking about this deliquent account with them. I provided the account number on the collection letter and the respresentativr stated that was not a valid account number and have no record of an account with them being in collections or past due. I asked the XXXX  representative if they were affiliated with the collection agency Sequium Asset Solutions , LLC. Which representative said no and it sounds like a scam. After speaking with XXXX, I checked the XXXX  XXXX XXXX  and found that this collection agency had over 271 complaints against them. Most of them were for the month of XX/XX/2020. The complaints were all the same ; complaints about debt being collected that they did not own and being reported on their credit report. None of the consumers accounts being collected on were legitimate accounts and how this company got their personal information to even report it is crazy. 

I want this issue resolved before I get a reporting on my credit report from this collection agency. 

XXXX confirmed that this was a fake account number and not associated with me or their company. 

The amount of {$420.00} is not a bill from XXXX and was advice that this was a scam. Judging by the complaints I see online I definitely believe that. 

The account number from XXXX that this company is trying to collect on XXXX is not a real account number. Please have my personal information from your company and do not send me any further correspondence regarding this fake account.
Consumer complaint received 2023-08-18
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)

XXXX XXXX, credit services department refuses to provide me with my 2 charge-off credit card accounts, ( XXXX XXXX XXXX and XXXX XXXX accounts- XXXX XXXX 1099-C for both credit cards. So, I may file my taxes with the IRS. XXXX XXXX is making it very difficult to receive my 1099 forms. I would have to also report them to the IRS so they may reach out to them with the information.
Consumer complaint received 2022-07-23
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 — Investigation took more than 30 days
Company: CORELOGIC INC (GA)

credcoXX/XX/06-21 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
credco-XX/XX/06-21 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX XXXXXXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and XXXX as well Credco-XX/XX/2021 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XX/XX/XXXX XX/XX/XXXX This is inaccurate information that I disputed to XXXX over 30 days ago and it is still on my report XX/XX/ALPHCOS XX/XX/XXXX This is inaccurate information that I disputed over 30 days ago with XXXX, XXXX and XXXX
Consumer complaint received 2022-07-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX  account # XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (IL)

I BORROWED FROM XXXX XXXX ON XX/XX/21 ( LOAN CLOSING DATE ) AND I REFINANCED ON XX/XX/21 WITH XXXX XXXX XXXX. AS A RESULT, PAYOFF WAS RECEIVED FROM XXXX AND PAID OFF THIS LOAN. HOWEVER, XXXX TRANSFER THIS LOAN TO PHH MORTGAGE SOMETIME IN XXXX. I AM RECEIVING COLLECTION /FORCLOSURE LETTERS/CALLS FROM PHH SINCE THAN . I CONTACTED XXXXPHH SEVERAL TIMES AND PROVIDED EVIDANCE THAT IT HAS BEEN PAID OFF. I CONTACTED TITLE COMPANY AS WELL TO SEE IF THEY CAN DO SOMETHING ABOUT IT BUT I AM GETTING NO WHERE. I AM PAYING MY MORTGAGE ON TIME TO XXXX SINCE XX/XX/21.
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NC)

Last night I checked my XXXX XXXX  account. I looked at my credit score and it showed a collection was due. The agency that reported the debt was XXXX XXXX. It dropped my score XXXX points. I contacted my bank the following day and they said I had no collections coming from them. Then I contacted XXXX XXXX, they additionally said there was no collection from them. The date listed was from XX/XX/2021. After that I tried contacting the FTC and they eventually had me do a complaint on consumer finance.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.