davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

Reported Account Number : XXXX Reported balance : {$110.00} XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. On XX/XX/2018 I sent a letter to First Credit Service at the  postal address stated as their mailing address taken from my credit report. The letter was delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have experienced Identity Theft and I am still recovering from the turmoil. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed First Credit Service that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated  account from my credit reports
Consumer complaint received 2023-04-06
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. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-18
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: Fidelity National Information Services, Inc. (FNIS) (UT)

CHEXSYSTEMS , INC. CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.
Consumer complaint received 2024-02-29
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used the Bank of America ATM. I accessed it using my credit card and chose the option to make a payment. 
The Bank of America ATM took {$720.00} cash and gave me a receipt saying : We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our electronic claims team. 

I checked my online banking mobile application and no deposit has shown.
Consumer complaint received 2018-11-05
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: LEXISNEXIS (NY)

XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (WA)

Every day I am receiving 2-3 calls a day, up until XXXX XXXX from AMERICAN EXPRESS. The number shows as XXXX. After so many calls, I called the number left for me to call for a very important matter. The number to call is, XXXX. 
After reaching a live agent, I was told to enter my card number, OF WHICH I DON'T HAVE. I explained that 40 years ago I had an AMERICAN EXPRESS CARD, when I was in the work force. Also there is no one at my home except me, and please stop calling as I do not owe them.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC (MD)

We have been paying my mortgage of XXXX to e company called Fay Servicing, XXXX XXXX XXXX Texas XXXX XXXX XXXX for many years. This is the third or fourth loan servicer for XXXX ( who actually owns the loan ) in the last 10 years. We have been paying my mortgage on time and without any problem for many years but Fay servicing ( A so called debt collector ) does not report on our credit to any of the the three major credit agencies. They claim that is not their policy to report our loan and this lack of credit history it is adversely effecting our credit value. This is an unfair procedure and should not be allowed. A financial institution should report accurately on consumers and not only adverse actions. 
Because today the credit check is used for many different reasons this is very important to us. Please help us resolve this issue as I know there are many other people in the same boat. I am a veteran and can not afford to have have a complete credit record. Thanks in advance
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (OH)

I have explained that this is the result of identity theft and they keep harassing me and threading to arrest me although Ive sent multiple cease and desist. I have asked several times for verification that this was me because i have never been to this place of business.
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Support Representative, I just discovered this online and i don't know anything about this debt. I didn't receive any notification about this debt. I would appreciate if you can help me remove the derogatory mark as it affects my credit history. Sincerely, XXXX XXXX
Consumer complaint received 2019-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I obtained a Home Equity Line of Credit with predecessor in interest, Washington Mutual. The loan was secured by a Deed of Trust on my property. On XX/XX/XXXX, the loan was paid in full and a Substitution of Trustee and Full Reconveyance was recorded because the property was sold. 

Even though the account was paid the bank continued to maintain the Home Equity Line of Credit and collected between $ XXXX {$35000.00} in wrongful payment. 

On XX/XX/XXXX after various correspondences with Chase, they agreed to cancel the debt in the amount of {$53000.00} but not refund the payments from XX/XX/XXXX to XX/XX/XXXX. 

I had hired a lawyer but can no longer afford him. He mentioned that next steps would be to sue Chase for the wrongful payment but I don't have the means to do that. 

Thank you.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (SD)

Discover Card contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had Discover Card showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

American Express cheated me by lying and stealing my XXXX points! 

XXXX ; XXXX  - XXXX customer representative promised me access to my credit card points ( worth {$600.00} ) for 30 days after closing the account and the points instantly disappeared on card termination. 

I had called American Express customer service on XX/XX/XXXX regarding a late fee on my credit card ( American Express Premier Rewards Gold Card ) and requested to waive it since I hadnt used the card in a while and was not monitoring the monthly statements. Amex representative supervisor XXXX ( ID XXXX ) suggested I could close the account and they would waive the membership fee and the late fee on my account. I had around 64K points ( I had not used any points at all ) and asked her what would happen to those points. She said I will have access to them for 30 days and even specifically mentioned XX/XX/XXXX. I liked the idea and so went ahead and closed my credit card account over the phone with her. After a few days, I noticed my late fee was still there and so I called back, this time the representative XXXX ( ID XXXX ) took care of the late fee and again confirmed saying I will have access to my points for 45 days after closing the account. I was full term pregnant at the time and I had my baby on XX/XX/XXXX and didnt bother looking into any of this until around mid-XX/XX/XXXX. At the time, I noticed that my points were gone. I immediately called them back and they transferred me to the rewards department wherein all the representatives said that you lose points as soon as you close the account. I was very shocked and disappointed that I was lied to and my points were stolen. I complained to them with several follow up calls. They eventually transferred my case to some back office department. XXXX ( badge # XXXX ) called me and explained to me that they will have to request recordings of those phone calls in which the representatives had lied to me and if it was indeed the case then they would give me a gift card worth equivalent of my points. He said he will follow up with me every 3 days to give me an update on my case. I have been waiting for over a month and they call me every 2 weeks saying that they still havent received the recordings. I really can't afford to lose {$600.00} worth of points cuz that was the reason I applied for the card in the first place. I am looking for recommendations on how I can get this resolved and if anyone has experienced this before. 

PS : I was very skeptical of the Amex customer service from the very beginning and that is the reason why I have their ID and badge numbers noted down.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and Equifax for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.
Consumer complaint received 2018-11-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( XXXX as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( USAA ) and the credit reporting agencies XXXX  and XXXX with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Citi whom I have been a customer with them for years and I have my own account and I have also been a AU on another Citi card which I make all the payments for. Citi denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX and XXXX XXXX XXXXs as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Citi said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concentric Receivables Management, Ltd. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Concentric Receivables regarding the debt being reported on my credit. I never received a response. ( I will include a copy of the signed receipt of the certified letter. ) XX/XX/XXXX - I sent a second dispute letter by mail and again, received no response. 
XX/XX/XXXX - The item remains on my credit report and to date, I have never received any response to either of my disputes.
Consumer complaint received 2018-02-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GVA Holdings, LLC (CA)

I was contacted by a man named XXXX XXXX claiming he is from XXXX XXXX XXXX. He claimed that I gave fraudulent check information or inaccurate checking account information to pay a debt. He said the debt was from Target Cash Now. I then received another message from an XXXX XXXX from XXXX claiming to from XXXX XXXX XXXX. She said I was going to be served at my place of work and the documents needed to me signed by me and my manager. She gave me a different number to call than XXXX XXXX. I called that number and the first time it went to voicemail claiming to be XXXX. I then called it back again and was able to speak to another person that sounded like XXXX XXXX the first man I spoke to. He said he couldn't give me any information and had to transfer me to a different department. He also wouldn't tell me what XXXX stood for he said it was the company name. The man that answered when he transferred me asked if I was recording the call and I said yes. He then said he couldn't give me any other information and hung up on me. 

I called Target Cash Now and spoke to someone in their collections department and he said the only company they use for third party collection was XXXX XXXX. 

These people need to be stopped!!!
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as Experian you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.
Consumer complaint received 2022-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (CO)

Company has sent me several marketing notices about removing my PMI. When I contact about this, they inform me that refinancing is not beneficial due to a higher rate, but they can open a heloc for me. No where on the marketing is a heloc offer mentioned. It is deceptive for them to indicate PMI removal just so they can sell me a heloc.
Consumer complaint received 2022-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am the victim of identity theft. I was contacted, over a year ago, by an old insurance carrier that their system was hacked and my information was stolen. Since then I've had multiple occasions where someone has tried applying for a credit card in my name. I've contacted the credit card companies and they're aware of my circumstance but they still haven't removed the multiple hard inquiries from my credit report nor have they stopped allowing fraudulent applications to be processed. These hard inquiries need to be removed from my credit report immediately, and Capitol One needs to cease allowing more applications to be processed. They are adversely affecting my credit score.