davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY. 

THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. 

Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CITIBANK, N.A. (OH)

Opened a XXXX credit card back in XXXX made purchases and payments on it. In XX/XX/XXXX I started getting correspondence addressed to the estate of XXXX XXXX saying that I was deceased. My friends and family started reciving phone calls asking who was in charge of my estate to which they responded that I was not deceased I had told them the samething when they contacted me. They closed my account anyway. This is not fair to me as I'm not deceased I made payments on time. Citi bank is also condmfusing this with a sears Mastercard that I had back in XXXX that was a victim of fraud which is not the card im writing about. Im writing about XXXX Master card. They say they can not reopen the account that is not fair to me. I explained to them that I was alive and well. Iam asking that at least a new card be issued to me cause of all the inconvenience.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I won a prize in solar last week, and then XX/XX/XXXX opened a cashier check and gave me about XXXX US dollars. I deposited it into my checking account. After 2 days, the money has been shown to be available. I am investing, The in and out account was relatively large, so I bought a little digital currency and returned the credit card, but after a day, the citi bank took the money back. The bank customer service said that the check might be returned and told me it was a bad check. I said it was impossible! As a result, all my payments were returned and the bank was overdrawn. My money was not released until 4 days later, but I couldnt log in to the bank the next day. I called to ask them. I couldnt understand what this is. The reason, I went to the bank to ask about the situation yesterday. The bank customer service said that the reason for the checkpoint was ID fraud and that my ID was real. Then the bank representative said that you can only wait for the letter and make a decision. I really dont know how to deal with this problem, I hope I can get your help! Thank you
Consumer complaint received 2023-07-05
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. (TX)

Dispute was filed with credit reporting agencies on XX/XX/2023 for incorrect 30-day past due reporting for XXXX XXXX. We use online banking with bill pay service. We also receive ebills through our online banking for this creditor and have it setup so that our online banking automatically pays this account by due date listed on ebill. Historically, creditor deposits bill payments within 0-5 days of payment date and credits our account as of payment due date. Creditor failed to timely credit bill pay payment sent via online banking bill pay dated XX/XX/2023. Creditor did not enter bill pay payment until XX/XX/2023. Due to this, XXXX XXXX then initiated a 30-day past due record on credit report. I have records backing their historical and current payment application records showing that bill payments have been deposited within 0-5 days of date of bill pay and credited to our consumer account by due date.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIRST HERITAGE CREDIT LLC (MS)

on XX/XX/2019 @ XXXX she came to my door in person and threaten to garnish my wages beginning on XX/XX/2019. This is a unsecured loan that I have in a Debt reduction program. I have sent notice to the creditor First Heritage Bank that I am in this program.

the lady that came to my property and threatened me is XXXX XXXX -Branch Mgr phone XXXX this is not acceptable and is against the law.

Unfair Collection Practice I do not want any further contact from this bank. They have been notified to call the Company I enrolled my Debt with XXXX @ XXXX which is the main # I requested this account to be closed at consumers request and that I fully intend to complete the debt reduction program.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Guild Holdings Company (GA)

In accordance with the Fair Credit Act this creditor has violated my right under XXXX XXXX XXXX sec XXXX that states I have the right to privacy, also under XXXX XXXX XXXX section XXXX a consumer reporting agency XXXX not furnish my account without my written instructions. Under XXXX XXXX XXXX ( A ) a creditor XXXX not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-08
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. (FL)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

THE PUBLIC RECORD IS A DISMISSED ACCOUNT, I AM NOT LIABLE TO THIS ACCOUNT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ITEM OFF MY CREDILT FILE
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 
7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.
Consumer complaint received 2021-02-18
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 (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Capital One and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-10-09
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: Bread Financial Holdings, Inc. (WA)

XX/XX/2018 XX/XX/2018 XXXX XXXX No open account, did not apply, did not share information. 

XX/XX/2018 XXXX No open account, did not apply, did not share information.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-09
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: CITIBANK, N.A. (FL)

XX/XX/2021 -- We ordered 6 items from Best Buy using Citi Group Best Buy Credit Card that I applied for in the store. As soon as I left this transaction was cancelled by Best Buy. 
Most of the charged were removed but some of the amount of {$810.00} were still left on the card. 
We did not get any services nor goods from Best Buy. 
I opened a dispute with Credit Card company only to find out that they charged me interest charges, without even providing any dispute information, reasoning or anything. 
That " happened in the USA... Charge for literally nothing and Beastily attempt to extort money for no services nor good provided. 

The attempt of Best Buy City group to extort money is outrageous. No services, no goods...
Consumer complaint received 2019-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

There are 4 inquiries on my account by Kohls/Capone on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called Kohls to dispute the inquiry and request a letter of deletion under the direction of XXXX, Kohls stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.
Consumer complaint received 2022-10-10
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. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX i still do not have my corrected 1098 form as of XX/XX/XXXX. I now have not received my monthly statement for XXXX either. When calling in I get the run around and no one has an answer/timeframe as to when I will get my correct 1098, is CFPB really helping? I get same generic ltr. IT'S BEING REVIEWED. It has been more than 30 days .It was a simple correction 2 Mi-applied pymts to principal/reverse re-apply as regular payments effective in XX/XX/XXXX. Correct the amount of interest paid and send the new statement already. This is causing me to not be able to file my taxes. Co. doesn't seem to care at all. RUN AROUND EVERY SINGLE TIME I CALL NO ONE KNOWS ANYTHING. Now I'm not getting my monthly statement from XX/XX/XXXX. I call and am holding holding holding. I finally get XXXX. XXXX ID # XXXX came back to phone XX/XX/XXXX states no update dept is closed and has to reach out tomr.. I asked for CEO name and Corp address, she read it off so fast and had to look up the info again as was unsure. I will also be reaching out via certified mail with a request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX with another written request and complaint about the slow and lack of response time to correct this issue from D.
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : CAPITAL ONE 6 LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/2021 {$600.00} was charged from a doctor that fraudulently charged my card. He promised to issue a refund but never did. I disputed this charge 5 times with TD bank and they denied it due to telling me to contact the doctor directly. I tried that XXXX times with no response. Found out XXXX was arrested and in jail for this same reason. TD bank still wouldnt help me. Again they stated I need to contact the XXXX. 
They refused to help me several times. 
I just want my refund!
Consumer complaint received 2022-03-15
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. (AL)

n accordance with the Fair Credit Reporting act 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 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 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 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
Consumer complaint received 2022-10-10
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. 1681 section 602 A. States I have the right to PRIVACY.

15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX PL XXXX XXXX XXXX VA, XXXX XXXX XXXX CT XXXX OH, XXXX
Consumer complaint received 2021-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (IL)

I have a Checking account with Citibank ( Gold Status ) and have made international Wire Transfer of the amount {$5000.00} on XX/XX/2021 and have received Confirmation on this action next day ( XX/XX/2021 ) from Citi Gold via E-Mail. However, this wire transferred {$5000.00} is not received by Payee 's bank account ( at my savings account with Bank name : " XXXX XXXXXXXX XXXX  '' ) even after 2 weeks past. I therefore requested Citibank to pull this amount of {$5000.00} back to my checking account at Citibank. But Citibank never came back to me with any answer till today ( XX/XX/2021 ) and this Wire Transferred {$5000.00} remains disappeared. Kindly help me to get this disappeared {$5000.00} back to me account at Citibank, thank. you.