davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is over XXXX XXXX XXXX. This has been removed from my credit file and is being reinserted. It is incorrect reporting. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charged off as bad debt Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance {$780.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual account
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX renewed a equity line after the house had been sold. The account owner had Paid off and closed the account down. To find out the account was opened back up without anyone 's approval and the fee was assessed to the account and was reported as delinquent. The bank was told on several occasions to close the account. Now I 'm having trouble getting a home loan.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

On my Experian credit report XXXX in the inquiries section XXXX Bank has been requesting my credit report monthly. I called XXXX and they have no record or knowledge of this and suggested I dispute it with Experian so they could locate the source. Experian would n't allow me to dispute this and said they could do nothing about it. I was told to dispute any wrong information found. Are they not suppose to follow up on any questionable information on a report? This is the same company that merged me with someone else last year and it took months to resolve. Frankly, I no longer trust the any of the credit reporting companies.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

in XXXX i changed cell phone carriers. i was told i had to pay {$750.00} for a device and turn another device in and this would cancel my service with the then carrier. i complied with this request. on 4 separate occasions i went to the mobile carrier to turn the final piece of equipment. i was told after the 4th try that the store would not accept the device and that a box would be sent to my home. once i received the box, i could return it to the carrier. this never happened. when i spoke with the company yesterday i was told that i owed them over {$2000.00}. i asked what the {$2000.00} was for and a very rude man told me that i had no options and that i either needed to pay the money or risk my credit being affected. i followed al the proper procedures for cancelling the service. i could not return the phone because they would not accept it. i am asking for clarification on what the charges are for and how we can come up with an amicable settlement/solution.
Consumer complaint received 2017-10-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Recently I filed a complaint with Wells Fargo and I am not happy with the response. Wells Fargo has provided previous bank statements showing another authorized user on my accounts but has not provided any signature cards or any written documentation that proves that " I '' added another person to my account ( s ). The instance of me removing the other user on XXXX XXXX is also questionable as I previously explained this person is a police officer and very manipulative. I attached documents pertaining to a restraining order that I had on this individual for intercepting other accounts. The years in question XXXX are also involved in other legal matters that have been tampered with in another matter. I 've also received notifications from Wells Fargo concerning class actions against the bank for opening accounts without user consent. Again I have a letter from the branch manager saying there is no written documentation of me adding anyone to my account ending XXXX. I have obtained legal representation for this matter as I will continue to pursue intensely.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Patrick K Willis Company Inc (CA)

On XX/XX/2024 XXXX XXXX was sent a notice of pre-arbitration agreement which they willfully negated to respond to. On XX/XX/2024, a second notice of arbitration was sent to XXXX XXXX. On XX/XX/2024 XXXX XXXX hired American Recovery Services. On XX/XX/2024 American Recovery Services hired XXXX XXXX XXXX to illegally repossess the consumer 's vehicle. On XX/XX/2024 around XXXX XXXX an associate of XXXX XXXX XXXX can be seen entering a restricted and private area of the residence of the consumer. The employee entered through locked gates by waiting for another residence to leave the restricted area. Once the employee entered in the restricted area, he proceeds to exit out of his vehicle, and place an unknown object in front of the gate sensor to prevent it from closing behind him, and further proceeds to illegally retrieve the vehicle. The consumer noticed the vehicle was missing on or around XXXX XXXX and immediately sought to local police enforcement to report the theft of the vehicle. Once the consumer was made aware that the company repossessed the vehicle, the consumer immediately contacted XXXX XXXX and American Recovery services to obtain the vehicle back. Repossession laws prevents Breach of Peace, in which American Recovery Services knowingly did by entering the restricted area of the private residence of the consumer. Code of Federal Regulations also prevents debt collectors from unfair debt collection practices by means of harassment and unfair practices in which American Recovery Services knowingly and willfully violated.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX  XXXX XXXX sold my financial information to a collection agency named LVNV FUNDING LLC without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. LVNV FUNDING LLC has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2017-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

I received a letter from XXXX & XXXX, XXXX. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXX XXXX, XXXX to collect a debt I owe, {$1800.00} to Citibank, N.A.. To the best of my recollection I do not owe anything to Citibank . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to Citibank but I do believe that something smells rotten here. Please help, thank you.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Hello, I'm writing in connection with a recent fraud inquiry involving my Chase Sapphire credit card, wherein I received 2 consecutive fraudulent charges on XX/XX/2021, but only the first of them was properly flagged as fraud and refunded. I have just received a letter from Chase notifying me that my second attempt at having them investigate the second charge in question has been denied. 

As background, during a vacation I was taking in remote regions of XXXX I received the first fraudulent charge for {$3400.00} from XXXX XXXX XXXX, which Chase correctly rejected. My credit card number was automatically changed and Chase notified me of being sent a new physical credit card. However, a couple hours later, the charge in question was admitted for {$4500.00} from XXXX XXXX XXXX using my previous card number. I immediately contacted Chase to notify them of this second charge, and a ticket was opened for fraud. The fraud department eventually denied this claim because the scammer used my name and mailing address to " ship '' a product to themselves. As you will see below, nothing was ever shipped to me, and this is clearly a circular scam in which the merchant charges the fraud victim and then make it look as if they received something in return. My proof that this was not me making a purchase is 1 ) I was not at my home to sign for the package as claimed by the merchant, and 2 ) when requested that I reach out to the merchant to get proof of fraud, the response I received is clearly that of a scammer ( screenshot attached ), as they offered for me to resell the " good '' at a higher price and also to connect with them to sell items in the U.S. Your common merchant does not respond this way. 

Furthermore, I am confused how this charge in question was never flagged as fraud when the same credit card # as the first flagged transaction was used to make this one, and by the time I had noticed this transaction Chase had already automatically assigned me a new number. 

On XX/XX/XXXX I contacted Chase again to open up the fraud inquiry once more, and sent documents with proof that I was out of the country until the XXXX of XXXX, and thus not home to receive or sign for any package, as the seller claims that I have. I also explained that I have never before made such large purchases for commercial goods, especially two in a single day, much less from random XXXX accounts in XXXX. It's very clear from two such purchases in one day that my card information was stolen and used to make extravagant purchases that are not in line with my normal spending habits.

I've just received notice that the Chase has again denied my fraud claim. It's ludicrous that of the two consecutive charges, both of which are seemingly for luxury items from foreign merchants, both of which are uncharacteristically large purchases for my account, only one of them is counted as fraud.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have only 2 accounts opened But in credit report its is showing 3accounts opened. And my due is appriaximaye 30-40 K.however its showing XXXX. 

Please check.
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (FL)

I moved from this location 2 years ago and my partner s daughter took over the account ( XXXX XXXX ) they continued paying the bill. And equipment is still in their house under a new name. I called the company to set all this up.Called the collection company recently and they said they will remove the derogatory mark but did n't see it happen. Thank you
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In XX/XX/2020 I sold my condo and during the closing my HELOC with XXXX XXXX was paid off and both the HELOC and associated checking account was closed. I have had a credit score of 830+ for years, and now suddenly it's plummeting every month because XXXX has reported the checking account as delinquent for some overdue payment. I have called customer service and they told me no accounts are showing as open and that I had to send an email to a seemingly unmanned email address " XXXX '' which I did. I have followed up three times and get no answer. Meanwhile, every month my score drops by 100 points. I wanted to buy a new home, now I can not. Calling XXXX XXXX customer service is a multi-hour affair always, and the email address is a complete void. I have spent at least 15 hours on this and can not get anywhere with them, they just don't care. 

They're basically ruining my life and I have no recourse. No one will help.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Received a text from XXXX that reads as follows : " BOfA : Dear customer, your online account has been compromised, useXXXX XXXX XXXXXXXX to secure access '' Have little doubt it's a scam as I don't even have a Bank of America account .
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CA)

Aldous associates sent me an Email legal notice with out my consent to received Email from them, I did never share my e-mail with this agency, they also reporting negative account in my credit report with out verifying the debt and with out sending me any letter via USPS stating I have the right to dispute, this actions are deceptive practice
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have duplicate XXXX XXXX accounts reporting on my XXXX and experian reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other 2 credit reporting agencies, please delete. I am.no longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete asap
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion to get unauthorized inquiries removed from my report, I was told to contact the company who initiated it .... The company then told me that since there was no file / account with them that they had no record and could n't assist in the removal process. 

I received a copy of my credit report and the credit report show credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order These are the unauthorized inquiries I discovered on my report, please remove them immediately as my consent was not given for them to access my information. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-05-21
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. (CA)

XX/XX/2019 Nelnet XXXX. XXXX XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ Nelnet XXXX Unverified Account
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (TX)

I, consumer entered into a consumer credit transaction with Navy Federal Credit Union XXXX XXXX in or around XXXX or XX/XX/2021. I entered this transaction using my open end credit plan. I have been injured by the deceitful, misrepresenting of Navy Federal Credit Union. On XX/XX/2021 I wrote to Navy Federal a validation of debt and cease communication letter, according to the post office the letter was received on XX/XX/2021. Navy Federal continued to communicate with me via email, paper bill ( alleged debt ) and text message to pay on a invalidated alleged debt. I did not receive the 5 required items according to congress when a validation of a alleged debt is requested. On XX/XX/2021 I sent in writing a affidavit of truth, exhibits of individual actions/injuries alone with a invoice for remedy. Navy Federal Credit Union has willfully and knowing violated my rights as a consumer.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I received a call from ( XXXX ) XXXX, I did n't answer but did call back. They stated they were Citi card and asked for my card number or social security number, I did not give them the information because I had a feeling it was a scam. I called Citi from the number on my card and they said that was not any of there phone numbers. I 'm reporting this because these people are probably stealing identities or money from unsuspecting customers of Citibank.
Consumer complaint received 2021-03-24
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. (FL)

A review of my disputes indicates no ability to provide your own general statement. 
Add a statement According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment.Here is their selection.

To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.

Delinquency due to natural or declared disaster.

Delinquency due to extended unemployment.

Delinquency due to job layoff.

Delinquency due to divorce proceedings.

Bankruptcy due to medical bills.

I suffered bankruptcy due to business while I was self-employed.

Bankruptcy due to business failure.

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by XXXX XXXX XXXX XXXX of ... 
As example they allow a general statement to be made BUT only of their choosing! " Add a statement Opinion where is the consumers chice to add?

According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on self explanatory their selection or none!