davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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. (MD)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-01-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy federal wont send me any of my ACTUAL debit or credit cards associated with my account number or social security number. They lied over the phone on this night. To force my account to me closed
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Best Service Co.,Inc (CA)

On XX/XX/2020 I sent a dispute letter to the best service company because the credit bureaus said that they verified the debt they are reporting on my credit report is correct. The letter basically requested a copy of the contract that I apparently signed with them along with other pertinent documents to prove that they have a right to report to the 3 major credit reporting agencies. 

As of today I did not receive any correspondence from them. 

I have attach a copy of the letter mailed to them along with the certified mail reciept
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I feel like Wells Fargo is being discriminate against me because I am XXXX. Wells Fargo can not collect debt that pass the statute of limitation. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ).
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

Since XX/XX/XXXX I have been charged {$17.00} per month as a monthly maintenance fee by US Bank. Several criteria, including deposits and lines of credit, were in place to have this fee waived. Beginning in XX/XX/XXXX the fee stopped being waived, with the exception of a few months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). A total of {$680.00} has been charged incorrectly and this was discovered just recently as my wife and I were looking into why we would continue to have to pay the monthly fee. US Bank refunded only 3 months worth of fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after we brought this to their attention but refuse to repay the remaining {$680.00}.
Consumer complaint received 2018-06-25
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: AmeriCollect (GA)

In XX/XX/2018, I sent a certified letter with return receipt to Americollect regarding 2 erroneous and unverifiable entries that they are reporting on my credit reports. This was my second attempt to seek validation on the reporting of this entry. Americollect has not one time provided a dunning letter prior to placing this entry on my reports, nor have they attempted to respond to my requests. 

In my latest correspondence to them dated XX/XX/2018, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release any medical information regarding the alleged debt as well as cease any credit bureau reporting until the debt had been validated by me. Americollect did not. This entry 's insertion on my credit reports is a blatant violation of my consumer rights and the mere fact that I have requested in writing, to this company, to provide specific information regarding this alleged debt and they did not respond, nor have they responded in well over 60 days, is yet another notable violation. 

These entries must be deleted from my credit report immediately.
Consumer complaint received 2018-06-25
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. (TX)

A collection company XXXX XXXX XXXX is attempting to collect on an account that is already settled with the original creditor. The account should never have been sold to any other collection agency and to the knowledge of the original creditor XXXX XXXX XXXX XXXX XXXX XXXX it was not sold. XXXX XXXX XXXX illegally obtained my information AND are attempting to collect on a debt that has been taken care of. I did not give permission for my information to be passed around and abused. Experian is assisting XXXX XXXX XXXX in violating not only my HIPPA rights but also my consumer rights by allowing the company to continue to report. I have previously filed a complaint Experian responded that they were still working on the CFPB complaint when they in fact closed my dispute without further investigation.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!! 
REMOVE ALL PUBLIC RECORD INFORMATION
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (AL)

XX/XX/2020 a company took money out of my bank account and this happened several times and it was companies that I never signed up with but got my account information from some credit score company and my bank XXXX  XXXX would not help me get my money back and left me to try to recover my funds of {$64.00} XXXXand {$59.00} I was finally able to get XXXX XXXX to block a recurring charge but I had to change my account number and get another bank card for my account and also several times the Direct Express service did the same thing to me and I had to pay for expedited service for a new bank card for {$2400.00} several times just to be able to get access to my money and I don't think this is fair. XXXX XXXX  would lock my account because of a {$1.00} charge from my account and yet let some company take {$64.00} and {$59.00} from my account without any questions and then would not help me get my money back and Direct Express service that handles Social security Administration payments never helped me get my money back from companies that I never signed up with from taking money from my account and I finally have to transfer my SSA benefits to another bank.
Consumer complaint received 2020-08-21
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: TRANSWORLD SYSTEMS INC (TX)

Transworld System continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2020 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Transworld. To that end, I sent a letter to Transworld Systems. Transworld has stated that the account was marked as in dispute ; however, my previous letters to the bureaus reflect that I was  disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on with the credit bureaus then they should have updated the account to reflect disputed at that time not later. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. As a matter of fact, the attached letter they sent reflects they do not have any information to validate the inaccurate entry they are continuing to report. Additionally, they state they are unable to complete an investigation in a timely manner. This is not my fault and being that they are the company reporting and do not have sufficient evidence to support this negative entry, they must delete it. 
It is obvious that Transworld will not be able to validate their allegation with documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Filed dispute with the credit bureaus and One Main Financial beginning in XX/XX/XXXX. I filed subsequent disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the creditor is reporting this account in compliance with the FCRA and the FDCPA.
Consumer complaint received 2018-06-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MI)

We are refinancing a loan. Wells Fargo is the current lender. They can not send us a payoff amount for the loan. We are trying to close on XX/XX/2018 or XX/XX/2018 and they have said they can not get us a payoff for at least one week.
Consumer complaint received 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjust. I requested a validation on XX/XX/XXXX as the debt amount owed is not correct. On XX/XX/XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from National Credit Adjust and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XX/XX/XXXX however the account is still reflected on my credit profile and continues to negatively affect me.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OR)

XXXX   XXXX   XXXX  This account was sold to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   therefore they can not be reporting a balance on this account. On my credit report, they are reporting a balance owed of {$1300.00}.   XXXX   XXXX   XXXX   XXXX   XXXX   agency is also reporting the same debt on my credit file.  XXXX   XXXX  needs to update the balance to  XXXX  immediately or delete the account off my credit file!! I have tried numerous times to get this corrected and I am being ignored.
Consumer complaint received 2022-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Someone opened a capital one credit card in my name using their address which I recognized because she used to babysit my son my kids birth certificates and social security cards where also stolen by her. The dates match from when I stopped using her as a babysitter because she stole cash from me then it showed up on my credit report that a capitol one credit card was opened and used for several months without my knowledge or permission. I disputed it and talked to XXXX they told me to contact the FTC also.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

On XX/XX/2022 I spoke with XXXX XXXX of National Credit Systems and requested a debt validation letter for an account in collections for {$530.00} for XXXX Apartments by mail or email. The debt validation letter was never received by mail or email.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (CA)

I have been through 1 conveniently worded letter and 3 supervisors at the US Bank dispute department. Not one of them took the opportunity to explain to me that I could get ANY related professional to appraise / write the letter VISA needed by XXXX, stating that my hair dye job from XXXX XXXX had been corrected by the XXXX XXXX XXXX. I was led to believe that I needed that letter, specifically from the pandemic closed Beauty School. It was today, that supervisor XXXX called me back and explained that. Naturally, I am livid, feeling that I have been taken advantage of. XXXX XXXX originally told me I should wait until XXXX to see if the Beauty School opened back up to get the letter, and if XXXX would not continue with the dispute, then the money would be rightfully mine. As XXXX didn't wait that long and disputed it again, I did speak with his supervisor XXXX, who I did also explain to that I did not know what to do, as the Beauty School was closed due to the pandemic ( and that I had been trying to contact them in every way I could think of to get this letter, even by dropping a note off in their door ). These supervisors never once took the opportunity to make it clear that ANY hair care professional could write this letter that I needed, they just kept saying that the federal government and VISA was forcing their hand. So then I called VISA directly on XXXX and spoke to XXXX, inquiring as to the ethics of this law, since the Beauty School was closed due to the pandemic, who transferred me to XXXX in the US Bank dispute department to request the case to be reopened. I was told I would be notified within 48 hours as to whether the case would be reopened or not, but I was not. After my 3rd complaint here, I had naturally assumed there was some discrimination, because US Bank only submitted the merchant 's side of the dispute, not mine, so I requested to speak to a different US Bank supervisor. That is when supervisor XXXX explained this missing piece of information to me and I'm upset because it is past the due date time so nothing can be done. I find this all unprofessional and unethical, the teaming up and omitting of such information to take advantage of me ( who has been banking with US Bank for over 30 years ). 

Related to # XXXX, # XXXX, & # XXXX.
Consumer complaint received 2020-07-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (OH)

On XX/XX/2018 I used a service the XXXX money network offers, which is the ability to write a check to withdraw money from my account without my card. I called the company 's number to receive an issuer number and transaction number and wrote the check for {$400.00}. When a transaction is created, the amount of the check is deducted from the account and moved to the check. When I attempted to cash the check, the cashier called the company to get approval for the transaction, as policy provides. Upon calling, the automated message said the check was unable to be verified, I called the company and while I was on the phone with the representative the cashier tried to verify the check again, but it was again denied. The representative then informed me they would not be able to cash the check. I was directed to fax a copy of the voided check to their office, which I did the same day. Since that day I've been given false information and different information with each call. The entire issue was due to fault on their end yet they have not returned the funds to my account nor given me an accurate time for the returned funds. I have been told something different each time I've called, which has been daily for the past week. Even upon speaking with supervisor s on each call I've still not received accurate information. They told me there is no corporate office number to call, and during my call today I was hung up on.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (GA)

When I divorced, my ex-husband was given ownership of our house and the debt associated with it. He, however, never removed my name from the mortgage and when he died and it went to collection, my credit rating was damaged. I have contacted the company with the divorce order but they said it does n't matter.