davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North Shore Agency, LLC (AZ)

A magazine called XXXX 's XXXX started sending me issues of their magazine unsolicited. After a few issues they sent me a bill which I returned to them and told them I didn't want their magazine and to please stop sending it to me. In spite of my request to stop sending me their magazine they kept sending it and every month or so would send me another bill. Finally they stopped sending me magazines and bills but now they have turned it over to a collection agency, North Shore Agency which has sent me a bill threatening that I either pay immediately or face further action. 
I am not going to pay for something I didn't order and I do not want my credit damaged because of this. This is fraudulent, criminal activity and they should be stopped. 
Thank You.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (CA)

I got 3 letters from XXXX XXXX XXXX XXXX on XX/XX/XXXX for Charges that were through XXXX XXXX and XXXX XXXX Payments that happened in XXXX. i double checked my records and bank transactions and the listed charges ( XXXX, XXXX, and XXXX ) are non existent. When i contacted them, they claimed the purchases were made on a account from XXXX XXXX XXXX under my name. Contacted XXXX XXXX to be told there is no account under my name at all. While contacting XXXX they asked me for my State ID number which i refused to give them. I want to these scam charges cleared before it affects my credit
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the past year I've been trying to get Transunion to correct my name on my credit file. They have me as XXXX XXXX XXXX XXXX. I am not XXXX After literally 5 dispute actions they still refuse to correct my name and this has caused me to miss financial opportunities.

The company continues to tell me the information is accurate as though my birth certificate and my government issued identification is somehow wrong in their opinion. I have never used any suffixes regarding my name on purpose or accidently and I need this corrected immediately.

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.

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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (VA)

Hello, In XX/XX/XXXX, my monthly mortgage payment increased. That change was only communicated to me through mail, I never received an email or push notification from Mr. Cooper of this change. 

When that letter was mailed, we had moved and my new address wasn't updated. So I never received the notice. 

Each month, I've made monthly payments on time in the amount of the old payment amount. ( I can share XX/XX/XXXX- XXXX of XXXX proof of payment transactions to Mr. Cooper for the loan amount. ) This XXXX, the XXXX  between my new payment and old payment reconciled, and it was reported as a delinquency to the credit bureaus and is now on my credit report as a mortgage late. This has significantly damaged my credit. 

This needs to be removed immediately. My mortgage is current, was never late and this has negatively impacted my credit.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Good day. My names is XXXX XXXX and this is my second complaint in reference to my Capital One 360 Checking account. I sent your agency a complaint back in XX/XX/XXXX in reference to Capital One closing my without notice. I received an letter from Capital One on XX/XX/XXXX, from XXXX XXXX. in his letter he stated that he need to verify my ID and requested that I contact him. I called XXXX XXXX on XXXX ext XXXX and left plenty of messages but he has failed to return my call. Again Capital one continued to hold on to my money and has not communicated with me in reference to the account. I hereby request your assistance again with this matter.
Consumer complaint received 2018-08-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I received a credit alert on XX/XX/2018 that a new collection was reported as derogatory on my credit report. It shows AD ASTRA RECOVERY SERV. I am unaware of who that company is and I have requested VALIDATION of the debt but have not received anything. I have tried calling the company and only got the run around. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts mentioned. Failure to positively verify these accounts has hurt my ability to obtain a home mortgage loan. Under the FCRA, unverified accounts must be removed and if AD ASTRA RECOVER SERV are unable to provide me a copy of verifiable proof, they must remove the account being mentioned immediately
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I was the victim of a phishing fraud from another country chase bank allowed transactions to be disputed without my permission now they will not refund money that was stolen I believe chase has someone working with to aid the criminals also believe chase bank violated regulation e of the financial conduct code
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I contacted Equifax and they told me it would take 30 days, however the Fair Credit Reporting Act says the accounts must be verified or blocked in 4 days.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am writing to express my deep dissatisfaction with the repeated and ineffective attempts to remove fraudulent items from your platform. Despite my persistent efforts to report these fraudulent listings, I have encountered significant delays and obstacles in their removal, which is highly concerning. 

However, I am disappointed to note that despite my diligence in reporting these fraudulent items, they continue to persist on your platform for an unacceptable period. This not only reflects poorly on the integrity of your service but also exposes your users to potential financial loss and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only exacerbated my frustration. I have received minimal updates on the progress of my complaints, leaving me in the dark about the actions being taken to address these issues. 

As a loyal user of your platform, I expect better accountability and responsiveness from your company when it comes to combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only undermine the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

I was recently assessed a fee by Wells Fargo that was invalid. I was assessed a fee on XX/XX/XXXX for transferring money to my savings account out of my checking on XX/XX/XXXX. The fee is invalid for 2 reasons 1. if my account were to have gone negative on this day Wells Fargo would not have let me transfer the funds because my account has always been set to pull from my savings If my checking does not have the funds.

2. On the day I made the transfer I still have money to left in the checking account. 

What really happened was I had a an authorization for a charge that I thought was XXXX so I had that amount in my account the same day that it posted which was XX/XX/XXXX I saw it was for XXXX more so I went to the atm before XXXX and deposited XXXX to cover the transaction so I would not get an overdraft fee, but somehow Wells fargo managed to charge me a fee anyway. 


I contacted the call center to inquire about the fee and I was given a bogus answer, I requested to speak to a supervisor and was told the same thing so I requested to speak to that supervisor 's supervisor and she transferred me not to her supervisor but to wells fargo customer service department. I spoke with the customer service rep and after conversation with her she did over me partial refund of the fee, thats not acceptable because I was not in overdraft period to have a fee, so I requested to speak to her supervisor after holding for more thna 30 minutes she tells me her supervisor says he is too busy with other customers to talk to me and that I needed to be transferred to his voiccemail to leave him a message, i declined the transfer and preferred to wait a little longer, I had already been on the phone over an hour anyway, the rep came back to the line again stating her supervisor says he was not going to speak to me regardless of how long i wait so i told her to let me leave him a message, instead of her transerring me to his voicemail she transfers me to an outside phone of a truck driver that has no affiliation with wells fargo at all.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CO)

I applied for a Citibank card that advertised an introductory rate of 0 % APR for the first 18-months. I applied on the phone, and the Citi representative confirmed it was a 0 % APR card. When I received the card in the mail, the paperwork stated the APR was roughly 15 %. I called Citi and they confirmed that they do offer a 0 % APR card, but for some reason the Citi rep I spoke to while applying for the card lied to me, OR they submitted my application for the wrong card. I cancelled the card I received.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (MI)

Caller said they were trying to collect a debt. I have no debts and am not late or past due on any thing. Used a name that was not understandable and I told them to stop calling. They could not state anything about debt were very rude. Have had repeated calls for same thing.
Consumer complaint received 2018-08-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion customer service would not help and take care of the negative inquiries on my report. 
1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2018, for four months I have been attempting to access my completed disputes. All they say is we are sorry you can't access the information and I'll transfer you from dispute resolution to customer service and then it is back and forth. apparently they have been working on their system for months.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2017 it was reported that someone opened up an XXXX XXXX XXXX XXXX and was approved for XXXX without my knowledge. The company reach out to me about missed payment up to {$900.00}.
Consumer complaint received 2018-08-27
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. (LA)

XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on Equifax. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
Consumer complaint received 2022-07-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, Equifax, and XXXX for committing identity theft. I never gave XXXX, Equifax, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, Equifax, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

BofA mortgage officer XXXX XXXX ( XXXX XXXXXXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.
Consumer complaint received 2018-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (KY)

I had previously noticed this was on my credit report a few months ago. I sent out validation letters asking them to validate this debt they said I owed. They couldn't and by law the debt had to.oh been removed. I looked at my credit report and noticed this same debt collextor on there for the same debt, but they changed the open date!! The open date now is saying XX/XX/2018. This debt is about 3-4 years old. Its against the law to re age a collection. Another thing is I was NEVER notified before this. This company is a joke and honestly shouldn't be in bussiness. I have laws under the fair debt that protect me and my rights with this company have been broken.
Consumer complaint received 2022-07-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX a federally protected consumer. I am making a complaint against XXXX, XXXX, and TransUnion for committing identity theft. I never gave XXXX, XXXX, nor TransUnion, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau XXXX, XXXX, nor Transunion consent to furnish this information on my consumer report. 

Please see attachments
Consumer complaint received 2023-03-23
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 (NC)

Disputed {$600.00} charge from XX/XX/XXXX from Full XXXX. We were sent all the wrong colored tshirts and sweatshirts we ordered and merchant just argued with us. I disputed it with Capital One for many weeks. They came back to say we were already given a partial refund from this company ( {$250.00} ). This refund was for a separate transaction with Full Spectrum. We cancelled screenprinting on another order after we received this bad order. 
Then Capital One removes the refund the merchant gave us and charged it back to our card. We are now owed a refund of the {$600.00} + {$250.00} PLUS INTEREST I have faxed 10+ times back and forth and they will not help me. 

I have many, many pages on this. I can email all of the correspondence I wrote back to them, please let me know what email or fax to send them to. Thank you so much for your help!
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (WA)

I opened a checking account at Citibank online on XX/XX/XXXX and funded {$6500.00} on XX/XX/XXXX as part of the deposit requirements of their promotion at that time. However, in the meantime, I was not able to log in to my online account out of the blue, and I was told by the agent that my account was a matter of the closure of their own will. 
I tried to contact the supervisor of Citibank multiple times to find out why my account was forced to close, could not get my fund back from the period of XX/XX/XXXX to XX/XX/XXXX, but was not able to find out anything related to the happening. 

I put my {$6500.00} on Citibank on XX/XX/XXXX and still can not get my money back, which causes inconvenience to me. I don't understand their response to me, and not happy about their poor customer service.
Consumer complaint received 2022-07-09
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. (TX)

Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2018-08-27
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. (PA)

XXXX XXXX, XXXX XXXX XXXX , XXXX, PA XXXX HQ closed my account with two of the bureaus XXXX and XXXX, however they are still reporting it active with Equifax. They are reporting the account still open and that I made a current payment in XXXX. I have not made a payment to them since XXXX the account has been closed however they are illegally submitting false documentation to Equifax.
Consumer complaint received 2020-02-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

So a company name XXXX XXXX called me and stated they are calling for a debt collection from cash store payday loan from 2010 in the amount of {$160.00}, but with interest and fees its totaling almost {$800.00} and an additional {$2500.00} in attorney fees. They threatened to take me out to court to collect on a 10 year old debt I dont even know existed. No letters in the mail from them nothing!! Just a threatening calls with heaped fees. They also threatened to put a lien on my car ... For over a mere alleged {$160.00} from 10 years ago. I asked the caller to send me the court summons and I will forward to my attorney.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My main complaint for today. Portfolio Recovery Associates has not updated any information to the credit reporting agencies. PRA has not updated anything for the past two years. I was unable to have PRA update to the credit agencies. I had tried calling them with several phone calls. They had refused to send out updates to the three major reporting agencies. I was shocked that they would not update anything. I am requesting that they make updates and send them out to the credit reporting agencies.