davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (VA)

My consumer transaction report has been tarnished due to Monterey Collection services. I have been called multiple times harassed by their call center or reps about an alleged debt. violation of XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX without prior consent. Violation of XXXX XXXX XXXX : Harass and oppressive use of XXXX about an alleged debt. I have not ever signed a contract with XXXX XXXX XXXX which is a violation of XXXX XXXX XXXX ( XXXX ) Attempting to collect a debt unauthorized by an agreement between parties. Then this alleged debt has caused me to lose out on employment opportunity as well as home ownership, a violation of XXXX XXXX XXXX. Lastly, as a law abiding fedeerally protected consumer I was not given the opportunity to validate this debt and even sent off papers certified mail asking for these phone calls to stop, as they were harassing myself as well for XXXX to send me information regarding this deby. I have not received a reply from XXXX which is a violation XXXX XXXX XXXX ( a ) ( XXXX ), certifiable validation and verification of alleged debt.As the original creditor of any debt, I do not validate this debt and demand it be removed from my consumer transaction report immediately.
Consumer complaint received 2024-02-06
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: NAVY FEDERAL CREDIT UNION (MA)

I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : XXXX XXXX  on XX/XX/XXXX Navy FCU on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries. 

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information. 

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue. 

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future. 

Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Agency of Credit Control (CO)

Iv requested with several certified letters to validate the debt. this debt still remains on my credit report. I'm requesting validation of the debt and a copy of my HIPPA compliance form.. i paid them on payments over phone and scheduled. I requested relief under COVID due to my unemployment issues, and receiving unemployment, receiving and currently receiving XXXX Under the fair credit act, A Summary of Your Rights Under the Fair Credit Reporting Act Iam entitled to a free file disclosure if : Iam on public assistance ; and have been on unemployment, i requested removal of these items during these times of assistance and continue to request the closure, i'm currently homeless in a financial burden and life crises at the moment
Consumer complaint received 2019-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (AL)

I have one derogatory mark on my credit from XX/XX/2015 for {$240.00} from XXXX XXXX XXXX that I have never owed or had anything to do with and shouldnt be on my credit there is no number or any information for me to contact them and every time I try and dispute it it ask for a account number which I dont have because theres no way for me to contact them Im needing help to get it off my credit. XXXX XXXX : JH Portfolio Debt EQ this is all it has listed no number to contact no address no nothing.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (MA)

I applied for the AMEX Premier Rewards Gold card on XX/XX/2018 and was assured delivery by the following Monday. When the card did not arrive, I called AMEX to inquire about the delayed delivery. Because the card did not arrive on time, AMEX agreed to send me a " replacement '' card. However, the replacement was for a completely different card -- my XXXX credit card. As soon as I caught this error, I called AMEX to rectify it. However, instead of sending me the correct card -- my Premier Rewards Gold Card -- I was incorrectly sent a second XXXX replacement card. 

This week I've called AMEX and their shipping partner, XXXX, roughly 20 times to sort this out. In the process, I've been mailed three incorrect replacement cards and have been provided with at least five different arrival dates for my new credit card. 

This delay has inhibited me form taking full and fair advantage of my new cards introductory offer which which requires that I spend {$2000.00} within the first 90 days of account opening. 

Additionally, I NEVER authorized any of the three replacement cards that were sent to me. I specifically requested that I receive my Premier Rewards Gold card each time I called, and never asked for my delta card to be replaced.
Consumer complaint received 2022-07-05
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2021-03-28
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. (TX)

I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
XXXX and Equifax have both deem this account as verified. XXXX and Equifax has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Called Citibank customer service on XX/XX/22 to unlock my online bank account after having difficulty logging in for the past few days. The representative informed me that my account was closed on XX/XX/22 as Citibank decided to terminate their relationship with me as a customer. Of note, I recently opened a Citibank basic checking account on XX/XX/22 to get a lower interest rate while I was applying for a mortgage loan. I only made XXXX transactions after opening the account - one to wire {$56000.00} from my personal XXXX checking account and another to make a payment for my utility bill. The representative could not provide a reason for this decision and told me to wait for a letter in the mail with more information about this matter. A week had passed and I still did not receive anything in the mail. I went to a local Citibank branch in XXXX, CA to follow up on this matter in person. The manager at the branch informed me that the funds in my account were currently locked and unaccessible. He could not further assist me with the matter and told me that I should expect to receive 2 letters in the mail which could take up 60 days. The first letter would involve informing me that my account was closed and the second would include instructions on how to access my funds ( most likely a check ). It has been almost 3 weeks now since when my account was initially closed and I still have not received any letter.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Please note : Chose the most applicable categories to submit this complaint as closest I could find from the choices. 

My Coinbase account was compromised. As I subsequently found out, this was apparently due to " SIM-Swap '' where the perpetrator managed to have my phone number somehow transferred from XXXX to the perpetrator - XXXX confirmed the " sim swap '' had occurred. That was then used to gain access to my email account which was used to reset password to Coinbase account. The attached document indicates notes/details of the incident and action and was submitted to the FBI - Internet Crime Complaint Center. I have not received any response or follow up based on that submission. As of now, I have also not been contacted at all by Coinbase and therefore have no access to my account and holdings. Also attached are screen caps of the notification I submitted to Coinbase again on XX/XX/2020 XXXX had submitted similar earlier at the time of noticing the incident but submitted again when looking for additional method of contacting since had not received any response by then nor any response based reporting incident to Coinbase using a number I was able to locate for them : XXXX ( supposed to be for reporting compromised accounts ) ).
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove ASAP.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

I have a debt from a bank from when I was younger. Its been over 15 years and the dead has been forgiven and its no longer in my credit. Theres a company that is trying to collect the debt. They keep constantly calling.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MI)

Since XX/XX/2022, and continuing every day since, this company has been calling me multiple times per day from many different telephone numbers on my cellular telephone line to attempt to collect a debt I do not have any awareness of. I believe it may be for someone with a similar name, but I attest that the debt is not mine. Yet, the communication attempts aggressively and unfairly continue.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2018 I received an email that my monthly transfer was cancelled because my business savings account had been closed. This was the first I had heard of it, and when I called, I was simply told that the account was closed due to no " human initiated '' deposits or transfers. I had a scheduled monthly transfer into the account, which I initially opened only at Wells Fargo 's insistence, and has been open for over 2 years. No recourse was given for closing the account, and I was simply told that no one was notified and that was just the way they did this.
Consumer complaint received 2022-04-28
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. (NY)

I would like Transunion to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681XXXX which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and anxiety they have caused me and my family.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I noticed a company named XXXX # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the second attempt to correct the late open account associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open account. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of this discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. 

I trust that you will treat this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest convenience. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$22000.00}.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$360.00}.
Consumer complaint received 2022-04-28
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: BARCLAYS BANK DELAWARE (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
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. (VA)

Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-02
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. (WA)

I have sent proof to this credit bureau 2. First time they stated my information on license and social did not match my address. I received a new license with updated address and they sent the response again. I believe it only fair since they will not take the proper steps to investigate and are giving me false responses that the accounts in dispute be deleted.