davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
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: U.S. BANCORP (CA)

On XX/XX/XXXX, after a significant time in queue, I was in the process of being transferred from XXXX ( Supervisor ) after speaking to XXXX ID # XXXX in US Bank Visa credit card disputes department who was unable to assist me. XXXX told me my dispute to 3 of my four issues could not be handled by her department and decided I should be transferred to another department. During the transfer to the fraud department, I was disconnected. 

In keeping with their sub-par level of customer service, no one exercised common sense or courtesy to call back, apologize and make certain I received the help for which I placed the call. I was not about to subject myself to the rude, and unfriendly agents and decided to send a letter instead. I did so on XX/XX/XXXX. US Bank XXXX XXXX XXXX has not responded to my letter requesting charges I did not make nor authorize be removed from my card. 

Attached is the letter sent to XXXX XXXX XXXX at the verified proper address. 
This request for assistance is made timely. I am looking into another XXXX card provider, likely XXXX, however, I wish this matter be cleared as soon as possible. 

Alternatively, may I file a small claims action against this XXXX XXXX XXXX division of US Bank? A small claims action will require less time and give them an ample opportunity to find someone who can effectuate my request to remove unauthorized charges. Also please advise what other reasonable methods are available to resolve consumer issues with a company acting in an unprofessional, frustrating, and irresponsible manner? 

XXXX XXXX XXXX must still be trying to ascertain how many people are required to change a lightbulb at? Apparently, they dont have enough and the specific answer is still unavailable.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (AR)

XXXX XXXX account current when closed at my instruction in XXXX XXXX. Final bill held due to unexplained additional charges. XXXX XXXX agreed to pay incorrect bill by end of XX/XX/XXXX. Collection agency falsely claims account was closed for non-payment in XX/XX/XXXX and placed for collection. Account was not " collection '' ; payment was scheduled. Attempts to damage my credit rating are fraudulent and arbitrary, done only to cause me injury.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I was scammed by a person via XXXX after I was threatened with jail time and court for an old debit. Citi bank refuses to give me my money back even though I don't know this person and it was a scam. This happened on XX/XX/2023 at XXXX pst.I called Citi customer service and they refuse to return my money.
Consumer complaint received 2020-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OH)

In XX/XX/XXXX, I had XXXX XXXX and was billed by XXXX  {$300.00}. I tried to make payments ... and paid $ XXXX XXXX  stopped sending statement and sent debt to Credit Services ... .who claim to have sent me numerous written notices. I argue they did NOT. I paid the balance only after an accidental finding of the debt on my credit report ... XXXX a contact phone number, and I paid in full {$220.00}. over the phone. They have now damaged my credit with no written warning. Had they sent me what they claim to have I would have paid the bill then. Thank goodness I found it when I did before applying for credit somewhere. 
It is the ONLY derogatory report in 21 years ... following numerous XXXX and large medical bills that have ALL been paid in full. 
This is SOOOO frustrating. While polite on the phone, they suggest I send a fax with complaint per a supervisor but stand by the 'written communication ' dates and suggest I check with my Post Office. I have lived at this address for 8 years. A letter could be lost in the mail, but not the over 6 they claim to have sent. 
They also had my daughter listed as the contact number instead of my number. Bizarre. Now, I pay the damage for their errors. Incredibly unfair.
Consumer complaint received 2018-07-30
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: Nelnet, Inc. (FL)

XXXX XXXX XXXX is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer Financial Protection Bureau to meeting next month XX/XX/2018 in XXXX with XXXX XXXX XXXX, myself and document expect to look at promise note.
Consumer complaint received 2018-03-13
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. (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, Experian, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # 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 2018-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

Ditech Financial LLC ( " Ditech '' ) issued me a check ( number XXXX ) in the amount of {$500.00} on XX/XX/XXXX. That check was issued from the Escrow account. That check states that it is " void if not cashed within 90 days. '' I contacted Ditech on XX/XX/XXXX and requested a replacement check. The call was recorded by Ditech at approximately XXXX am XXXX. The clerk assured me that I would receive the replacement check within XXXX days or XX/XX/XXXX. My followup call on XX/XX/XXXX ( recorded at XXXX am XXXX ) indicated that the problem was a technical issue and that I would receive the replacement check by the end of the week. 
My followup call on XX/XX/XXXX ( recorded at XXXX pm ) indicated that the check was in process. 
Follow up today, XX/XX/XXXX, at XXXX - recorded call with " XXXX '' ID - XXXX, supervisor XXXX ( ID - XXXX ) indicated that all previous statements were incorrect and that Ditech requires 30 to 60 days to reissue a check. I know that Ditech was in bankruptcy, but I thought my escrow funds were held in an escrow account, but now I am concerned that I will never get paid.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX  XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX ***Please update the correct wording to reflect what I do professionally******
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

I have requested validation { not Verification } of an item reported to XXXX by CACi. I have received a response that clearly violates my rights according to HIPAA. 
CACi did not provide me with a HIPAA release sign release form that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

The company Diversified Consultants sent a letter saying that I owed a debt and that I had a certain amount of time to respond before reporting to credit bureau. I responded with a validation of debt letter. They sent me a one page statement allegedly from the phone company. This alleged bill had my name as well as someone else 's name. I have never shared a phone bill account with anyone. This statement did not verify this debt belonged to me.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (OH)

RE ; XXXX XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 SPEEDY CASH  3 CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent XXXX  and hardworking as I was also a victim of identity theft when my car was stolen in XXXX  last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Protection Act XXXX  account # XXXX. XXXX XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account Number 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is not allowing me access to my XXXX Benefits from social security at their physical branches because they deleted my expired XXXX XXXX from their system last year in XXXX. They deleted the expired XXXX XXXX in XX/XX/XXXX because that was the only ID in my possession after my wallet ( gym bag ) was either lost or stolen. I knew that I'd initially opened the account w/ my current foreign passport and expired XXXX XXXX   because the bank 's rep scanned both in their computer system, so I thought that the bank would allow me access to my funds after answering the security questions w/ the expired XXXX XXXX. I was denied a new bankcard at the physical branch in XXXX ( XXXX ) and told that I'd initially only used my foreign passport to open the account when two forms of identification are needed to open an account if you're a resident alien w/out city or state ID. Now, in XX/XX/XXXX, after the XXXX XXXX told me to return to the bank when my renewed XXXX XXXX arrived in the mail to access my account back in XX/XX/XXXX- I'm being denied service at other physical branches w/the renewed XXXX XXXX, and being asked to provide my foreign passport as an alternative identification when that's the ID that was compromised, not the XXXX XXXX. Why are other customers only using their XXXX XXXX to access their accounts while I'm being denied this same opportunity? It's seems personal.
Consumer complaint received 2022-05-03
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TXXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Consumer complaint received 2018-11-05
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: Experian Information Solutions Inc. (NY)

THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX XXXX XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX XXXX XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX - {$5000.00} XX/XX/XXXX -XXXX XXXXS XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX   XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX XXXX  - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}
Consumer complaint received 2021-06-25
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. (PA)

Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with Experian, XXXX  and XXXX, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe XXXX  listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX  they have a Barclays card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you with written/unwritten and verbal or non-verbal per 15 USC 6802. I reserve the right to disclose nonpublic personal information about my consumer to a nonaffiliated third party and demand the reporting stop immediately. Following accounts shall be presumed as opted out :
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emmett L. Goodman, Jr., LLC (GA)

In 2019, XXXX XXXX as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to XXXX XXXX as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, XXXX XXXX as a successor in interest to XXXX XXXX XXXX XXXX  with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. 
I am disputing this charge.