davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

XX/XX/2019 I sent a certified letter to IC Systems for reporting a debt to the credit reporting agencies without validating debt for {$11000.00}. I received a returned receipt from IC systems stamped stating they received the certified letter requesting validation of debt on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received an alert that IC systems has updated my credit report stating the debt was verified. How was it verified and validated with the credit reporting agencies and not the alleged consumer ( myself ). 

After receiving the dispute, IC Systems must send me proof by XX/XX/2019 ( which is 30 days ) that this company owns or has been assigned the debt by the Original Creditor.

Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

If the debt collector does not send sufficient proof of the debt, it is not allowed to continue collecting the debt from me or report fraudulently ( that is a violation under FCDPA ). That includes listing the debt on your credit report. I have submitted a dispute with the CRA that hasn't been adequately validated with the credit bureaus. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that the company provides me with competent evidence that I have any legal obligation to pay them. Due to this fact, if any negative mark is continues to report on any of my credit reports by your company or the company the represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2022-08-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Bank using account # XXXX, # XXXX, # XXXX, # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am XXXX under Americans with Disabilities Act ( ADA ) and Bank of America is discriminating against me by failing and refusing to make reasonable communications accommodations to ensure I can resolve this account. This is a letter of concern about misapplied payments regarding my Bank of America credit cards ending in XXXX, XXXX, and XXXX. On XX/XX/2022, a Bank of America representative named XXXX confirmed that the approximately {$4200.00} payment dated on or around XX/XX/2022 will be released and apportioned and applied to my three credit cards ending in XXXX, XXXX, and XXXX. However, when I phoned in to Bank of America on or around XX/XX/XXXX, and today XX/XX/2022, the representatives didn't seem to be able to locate this payment, and instead I got bounced around from department to department for about an hour each time to no avail when my call eventually got disconnected. This pattern leads me to wonder if Bank of America is purposely trying to default me and damage my payment history by misapplying my payments and making the payment process very difficult. The letter dated XX/XX/2022 which I received today stated an offer to " help '' me " lower the Annual Percentage Rate ( APRs ) '' and to discuss " long-term payment solutions '', yet I get the runaround and denied when I try to call to discuss these much needed plans as an alternative to bankruptcy which they seem to be forcing me into. Bank of America used to offer forbearance programs that push off payments for several months due to COVID-19 and we customers are still suffering unprecedented economic hardship eligible for relief.
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (NV)

Someone opened a US Bank credit card in my name without my knowledge. Ive contacted US bank and issued them a copy of My ID theft police report and FTC report and they still refuse to remove the account from my credit file or accept the fact that it is a Fraudulent account.
Consumer complaint received 2019-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (AL)

Original amt due ( owed to original company ) : {$2800.00} Aldridge Pite Haan , LLP charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. 
They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from APH dated XX/XX/XXXX in the small claims court of XXXX County AL. I was never summons to court at the time. I did call APH to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). 

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from APH., LLP. I never received any other notice from APH, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XXXX.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/XXXX XXXX and XXXX of XXXX I've received Activity on my credit report with trenching in that was not alterized. I don't know who is XXXX and never had any affiliation with this company.
Consumer complaint received 2022-08-16
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)

In accordance with the Fair Credit Reporting Act, the following has violated my rights : XXXX XXXX XXXX- account - # XXXX, XXXX XXXX XXXX- account- # XXXX, ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX XXXX XXXX account # XXXX ( Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ) XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ) XXXX XXXX XXXX- account XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX ) XXXX XXXXXXXX XXXX- account # XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX ) XXXX XXXX XXXX - account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX ) 15 U.S.C 1681 Section 602 A states that 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 2019-05-26
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. (MS)

I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX
Consumer complaint received 2019-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/2019 our Cabela 's / Capitol One credit card number was used to make a charge at XXXX # XXXX in XXXX, Idaho. The amount of {$500.00} was charged. Capiton One called us because they thought it to be fraudulent activity. On the phone we went through the charges and were asked which were correct and which were not. We identified, at that time, only the one charge for {$500.00} that was fraudulent. The credit card company removed the charge until XXXX XXXX 2019 when they sent us a letter informing us that they discovered no fraudulent activity and were thus re-instituting the charge against our account. I explained to them again that my wife and I were not even in XXXX. We were in XXXX Washington. I further explained that we have only one card for that account and it was with us in Washington. They said, no matter, we think it is not fraudulent. I requested they hold the charge in abeyance until the problem was properly resolved and they refused. They have not explained any of the things they did to verify their claim. 

I have made a police report and have requested copies on the signature and an image of the person making the transaction. The police will help procure both.
Consumer complaint received 2019-05-26
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. (MS)

I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Convergent Resources, Inc. (MO)

Please, I need help... I'm single after 31 years, never had to work... working now 6 days a week... ex responsibility for this bill... help me get it off my report..please
Consumer complaint received 2022-08-16
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On Saturday XX/XX/XXXX at XXXX XXXX I went to deposit the amount of {$560.00} at the ATM in XXXX in XXXX with zip code XXXX ATM code XXXX and since then the bank opened a claim where they informed me that in 48 hours they would resolve the situation but So far they have not returned my money, affecting me a lot since for this reason I have not been able to pay for some services. 

Today is XX/XX/2022 waiting...
Consumer complaint received 2019-05-25
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. (VA)

I've decided to file a complaint agent account the credit reporting agencies listed. Transunion and XXXX have both informed me over the phone to send it documentation to support my claims of identity. I have done so, 4 times now and gotten no results or responses. I recently called and spoke with representatives for each company who were both located outside of the US, so of course there were not able to locate my documents. I've attached new and relevant documentation to this claim, please send them to both companies. XXXX has been very helpful and complaint.
Consumer complaint received 2019-10-08
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (MS)

I was on an Income Driven Repayment plan for my student loans so I owed {$0.00} on my student loans. Apparently they sent out mail to an address that was incorrect about the billing. Therefore, I did not get it. I got a call the other day from a loan servicing and talked to them and they transferred me to someone else and had all of my loan information wrong. I looked at my credit today for the first time in a while expecting it to go up because I had been paying my stuff. It went down 142 Points. I called today and they set me up with a new account to where I can get renewed on another repayment plan. I asked them if they would remove the report from my credit where they said I had been late on all my student loans for the couple of months. They told me to reach out to someone else and dispute the credit report on them since I didn't know I was late at the time. I need this taken off of my account, because my credit was in the low 600s and now its around XXXX because of this mistake.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, XXXX fake check transactions were deposited into my checking account, each {$170.00}. After speaking with the person who sent the deposit, my husband and I realized that it was a scam and sent the money back through the XXXX XXXX. However, we didn't realize until the next day that Wells Fargo had charged our account for the fake checks. I called Wells Fargo to explain what had happened and apologized for any inconvenience caused. I also informed the banker that my check was directly deposited, and she provided me with a new checking account number with the same routing number and ordered new checks for me. I then contacted my Human Resources department to inform them of the situation, and they were able to deposit my check into the new account number. 

On Wednesday, XX/XX/XXXX, I received a call from Wells Fargo, but I missed it. When I returned the call, a gentleman informed me that Wells Fargo was going to cut ties with us and that I had until XX/XX/XXXX to get my affairs in order before the account was closed. When I asked why, he refused to give me a reason. I requested to speak with a supervisor and was put on hold for XXXX minutes before a woman answered. She explained the same thing and also refused to give me a reason. I told her that it's like punishing a child without telling them why, but she still refused to answer. So, I told her goodbye. 

After the call, she blocked my check and sent it back to my job. We are on XXXX XXXX, so I don't have any money, and my property taxes have to be paid by XX/XX/XXXX. Bill collectors have been calling me, and this has been the worst experience ever. My daughter 's account is connected to mine, so she also sent her check back. I went to the local Wells Fargo bank in XXXXXXXX XXXX  and the assistant XXXX tried to help us by taking my name off my daughter 's account. She called the fraudulent department to see if they could open a new account for my daughter, but they said no. The XXXX explained that my daughter had nothing to do with the situation, but the woman in the fraudulent department was very unhelpful and rude. 

I have called and emailed Wells Fargo 's corporate office, but no one has gotten in touch with me. I know that I may not matter, but my life has been turned upside down because of a mistake, and I'm still questioning the reason why Wells Fargo is cutting ties with me. All of this has been caused by one person in the fraudulent department. Please help me!
Consumer complaint received 2019-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NJ)

In response to a denial of an extension of credit, this consumer checked with one or more  consumer reporting agencies and discovered the following : 1. On or about XX/XX/2019, Radius Global Solutions ( hereinafter RGS ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit A ) 2. Upon information and belief, RGS is a debt collector as defined in section 803 ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ). As part of RGSs debt collection activities,  RGS furnishes information to consumer reporting agencies. As such, RGS is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as RGS send to this consumer an initial disclosure stating that RGS may report information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after RGS furnishes the negative information about this consumer to a consumer reporting agency. 4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, RGS failed to notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking. 5. Notice of the debt and that RGS is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers personal character, reputation, and/or credit to be unjustly damaged. In addition to the foregoing, RGS is furnishing the negative information about this consumer to one or more consumer reporting agencies under what appears to be an alleged account ( # XXXX ). Upon a meaningful review and investigation into this consumers records, this consumer has determined that there does not exist a record of any transaction ( s ) executed between RGS and this consumer under account # XXXX. Therefore, it is reasonable for this consumer to believe that RGS is falsely representing to one or more consumer reporting agencies that it holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is reasonable for this consumer to believe that RGS used this consumers identifying information without authority to manufacture and give semblance to the existence of an alleged account.