davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My mortgage company lack of security allowed my tenant to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX Mortgage XXXX. 

I have sent the following proofs of fraud on my account to TransUnion and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( Both have been a failure )
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention a serious matter regarding the inaccurate reporting of an alleged debt by XXXX XXXX XXXX XXXX. This concerns a closed account originally held by XXXX, with a claimed balance of {$690.00}. 

The collection was initially removed from my credit report but was later re-added by XXXX XXXX XXXX XXXX, a junk debt buyer. I can confirm that I received official confirmation from XXXX, Equifax, and XXXX that the XXXX debt, initially held by XXXX XXXX XXXX, was successfully removed from my credit report, complying with the Fair Credit Reporting Act ( FCRA ) guidelines. 

This inaccurate reporting is misleading and damaging to my credit history. Notably, the initial debt buyer, XXXX XXXX XXXX, reported and promptly removed this debt after verification, highlighting the accuracy of the removal and raising concerns about the legitimacy of XXXX XXXX XXXX XXXX 's claim. 

Furthermore, XXXX XXXX XXXX XXXX has failed to provide any valid documentation supporting their claim to the XXXX debt ( no original contract with my signature has been provided, let alone any proof at all, of this erroneous debt ). I have not received any communication from them regarding the alleged debt, and their reporting appears to be based on inaccurate or insufficient information. 

I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. XXXX XXXX XXXX XXXX 's attempt to collect on a debt officially removed from my credit history is a clear violation of the FCRA. 

In addition, I request that XXXX XXXX XXXX XXXX  cease all collection attempts, reporting, and any further actions related to the XXXX debt until a proper investigation is conducted, and the matter is resolved. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (NY)

Spring Oaks capital falsely reports to XXXX that I owe them {$500.00} for an account with XXXX  XXXX XXXX. When I contacted Spring Oaks on several occasions they transferred the call to XXXX stating that they own that debt. XXXX managers and supervisors claim that I paid it the account and do not owe anything. They provided me with a pay in full letter. XXXX staff said they can not remove the collection from my credit report because Spring oaks owns it. I disputed the collection with credit bureaus and Spring Oaks insists that the information is accurate. I called Spring Oaks and everest over 20 times and they cant resolve my complaint. I just get bounced around between them 2. I even offered to pay what they say I owe and they stated that i do not owe anything yet they continue to falsely report to XXXX that I do.
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

Someone used Remitly Global to send money using my personal bank debit card. I had never heard of the company Remitly until it appeared on my bank account. The transaction was submitted on XX/XX/XXXX. They submitted this amount twice. My bank account has suffered because it caused my account to be overdrawn. I called Remitly and was on hold for over 30 minutes. When I finally spoke to someone, they transferred me to the consumer protection team. I was working with someone named XXXX. I gave her my name, phone number and she asked if she could place me on hold. While holding, the call dropped. She never called me back. Im so upset about this situation. I dont know who the person is that used my debit card and how they got it unless they stole my card info somehow. Remitly should have better security measures in place to verify the financial information thats being used.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

XXXX is trying to collect a XXXX payment and I have not had the service since 2012. It was a attempted charge because of the fact I refused to sign another contract for phone service. I sent a letter to explain and did not hear from them again until this surfaced last week from Convergent Outsourcing at XXXX. They have also damaged my credit by reporting it last to the credit report companies. I am over XXXX years old and they are abusing, and ruining my excellent credit.
Consumer complaint received 2016-10-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IN)

Not sure where to begin ... Please look at previous complaints against Wells Fargo and Debt Buyers : CFPB Case Numbers XXXX, XXXX, and XXXX. These complaints were submitted in XXXX of XXXX while in the middle of my court battle with the Debt Buyer. Wells Fargo really did a number scamming me out of my vehicle AND I was a service member. I just hope that in the limelight of the recent scandal and settlement that those that have been affected so much are truly compensated. Not to mention that during all of this I was completely unaware of the fact that when I financed the van through Wells Fargo in XXXX, that they put my interest rate @ 21 % which they should n't have went over 6 %. I was a service member at this time and should not have had to go through what they put me through, or my wife. I finally gave up in court and settled with the Debt Buyer. I feel that Wells Fargo should compensate me for all the money and distress I went through as a result of their negligence. I have XXXX of court paperwork. They need to be aware of how much pain can be caused because debt buyers and big banks decide they are going to use shady tactics against everyone.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

i reviewed my consumer reports and noticed that i had 1 late payment on an account that i was never late or intentionally pay late because while this date i was in boot camp in XXXX XXXX and the auto payment of all my account was activated. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments before and after this date that i have included screen short inside this complaint in on date XXXX .Please investigate and provide proof with statement showing that this payment was late. I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$360000.00}.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (FL)

I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance.
Consumer complaint received 2022-08-10
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. (CA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00},
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (OH)

I C SYSTEMS COLLECTIONS # XXXXI have a a unverified account from I C SYSTEMS COLLECTIONS. I had previously disputed this account. I have never done business withI C SYSTEMS COLLECTIONS Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Business and Consumer Solutions. (TX)

XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.
Consumer complaint received 2015-07-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I was contacted by a company calling itself XXXX XXXX XXXX about a debt from a repossessed vehicle XX/XX/XXXX, almost XXXX years ago. The original loan was through Huntington Bank. They even called my parents home which I have n't lived at since XX/XX/XXXX. I was told they were taking legal action against me if I did n't clear the debt immediately. She then tried to get a credit card number from me. I asked for the business address which she refused to give me, then she hung up the phone. The caller id from the call was XXXX. When you call that number it rings then just hangs up. The number that was left on my answering machine was XXXX XXXX XXXX XXXX. Someone answers that number with a simple " hello how can i help you? '' A search of the internet for " XXXX XXXX XXXX '' yields no results.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$360000.00}.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

Hello CFPB, thank you for taking the time to review my complaint. On XX/XX/XXXX I went into a Wells Fargo branch and worked with a bank representative to close my Wells Fargo Checking account, Savings accounts ( XXXX ), and Credit Card account. I received notification that my checking account and credit card were still active and intact in XX/XX/XXXX, despite the fact that wells Fargo told me the accounts had been closed. In response, I returned to the bank on XX/XX/XXXX to close these accounts again and explain that there was an error and the accounts were supposed to be closed two and a half months prior. Today, on XX/XX/XXXX, I received word that my Wells Fargo credit card account is still open. I am frustrated with the misinformation that Wells Fargo has provided me twice now, concerned that more Wells Fargo accounts remain intact in my name ( despite my repeated attempts to sever my relationship and close my accounts with Wells Fargo ) and so I am filing a formal complaint in the hopes that more consumers are not misled by the bank. 

Thank you, XXXX
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Called Bloomingdales Credit Card on XXXX XXXX to start a claim for XXXX fraudulent charges that were made from XXXX XXXX totaling XXXX {$1200.00}. It took Bloomingdales two months to mail a Statement of Fraud for me to sign and return. I mailed the signed Statement of Fraud to Bloomingdales which was received on XXXX XXXX per USPS tracking. It is now XXXX XXXX, approximately 4 months since the claim was opened, and there has been no communication by Bloomingdales to me. I have called numerous times for updates. Only response I have been given is to continue to call back.
Consumer complaint received 2016-04-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

Citi Bank has garnished my commercial checking account without notification. I have contacted them on the phone and in the branch and no repose so far. The account is also joint with my wife and it has a zero balance after it had {$38000.00} in it. I am a head of a household with XXXX kids and have no funds to feed my family. I have hired a lawyer and still no response. Need urgent resolution.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Dispute unfair billing practice and billing error since XX/XX/XXXX been in dispute since back and forth with Citi Bank Sears Billing @ billing about credit never added back to account after numerous attempts to solve these issues. Credit that was given back for the months of XX/XX/XXXX, Through XX/XX/XXXX and XX/XX/XXXX through now XX/XX/XXXX has not been added to our account.proof of credit that was apply was put back in purchase for those months which explain our over payment to Sears Credit Card ( Citi Bank ) who refuse to investigate the unfair billing error and refuse to fix the problem and refund our over payment to XXXX XXXX
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne offers a significant bonus on its Venture card if new sign-ups spend a certain amount within 90 days. The 90 days starts the day the card is approved online. But since it takes 7-10 days for the card to be received in the mail, we really only have 80 days to activate it & start making purchases. CapitalOne makes a big deal about having 90 days, which is nothing less than false advertising to get sign-ups. Please stop them from continuing this fraud.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360000.00}.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

REFERENCE : ACCOUNT FOR XXXX XXXX XXXX Best Buy ( TM ) Credit Card XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX TO WHOM IT MAY CONCERN : TWENTY MONTHS AGO MY WIFE AND I BOUGHT A DRYER AND WERE ASKED IF WE WOULD LIKE TO USE THE 18 MONTH NO INTEREST PROGRAM. WE WERE APPROVED AND BEGAN MAKING OUR PAYMENTS. OVER THE NEXT FEW MONTHS WE MADE SEVERAL PURCHASES UNDER THIS LINE OF CREDIT. WE CONTINUED TO MAKE OUR PAYMENTS WITH THE IMPRESSION THAT WE WERE PAYING OFF THE PREFERRED DEBT. OUR PAYMENTS WERE ALWAYS ON TIME AND MANY TIMES MORE THAN THE MINIMUM DUE. WE ENROLLED IN AUTOMATIC BILL PAY AND AUTO DRAFT AS WELL. STILL THINKING THAT WE WERE ON SCHEDULE TO PAY OFF THE PREFERRED DEBT. LITTLE DID WE KNOW THAT THE PAYMENTS THAT WERE MADE WERE NOT GOING TO PAY OFF THE DRYER, THEY WERE APPLIED TO THE OTHER PURCHASES. THIS WAS NEVER EXPLAINED TO US UNTIL I NOTICED OUR BALANCE WENT UP BY {$700.00}. THIS WAS THE INTEREST CHARGE THAT WAS PLACED ON THE ACCOUNT BECAUSE WE FAILED TO PAY OFF THE DRYER. I REACHED OUT TO BEST BUY CUSTOMER SERVICE AND SPOKE TO XXXX DIFFERENT LEVELS OF MANAGEMENT AND THEY EXPLAINED HOW SORRY THEY WERE THAT WE DID NOT UNDERSTAND THE PROGRAM BUT THAT NOTHING COULD BE DONE. THE WHOLE TIME WE THOUGHT WE WERE PAYING OFF THE DRYER, WE PAID NO MORE THAN {$240.00} OF THE ORIGINAL BALANCE. WE HAVE THE MEANS TO PAY THE BALANCE OFF AND WOULD LIKE THAT OPPORTUNITY TO DO SO WITHOUT THE INTEREST CHARGE, THAT IN MY MIND WAS DECEPTIVELY PUT ON THE STATEMENT. IN ORDER TO RESOLVE THIS MATTER, I REQUEST THAT SOMEONE CONTACT ME AS SOON AS POSSIBLE SO THAT NO FURTHER ACTION NEEDS TO BE TAKEN. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Consumer complaint received 2016-02-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I deposited {$400.00} cash and a {$1400.00} personal check to a new-ish ( more than 30 days ) checking account. They mentioned there could be a hold, but I did n't expect them to CLOSE my accounts ( due to " suspicious '' activity or unverified funds ). Calling the fraud department, going into my branch and waiting over a month have yielded a return of some of the funds, but they say they will hold the {$1400.00} until they can " verify funds ''. The payer 's bank says they will do that over the phone if asked! More than a month later, they still have the funds.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (AZ)

The information reporting is incorrect. It is erroneous. It is reporting that there was a 30 day late. This is not the case and needs to be deleted not only is it a closed account but the uniformity of the credit card company is not reporting correctly the only company that is reporting correctly is XXXX.