davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MA)

National Credit System, $XXXX. I Have sent National Credit Systems a debt validation on XXXX XXXX, 2017 and National Credit Systems has not responded to my validation. National Credit Systems also has reported this collection to all 3 of my credit reports agency's. I have no knowledge of this collection.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

There have been several payments that were to be paid that Citibank decided to reject without my approval which then goes into the negative after the refund the money and charging me non sufficient funds fees. For example there were several payments made to short term loan organizations for amounts between XXXX and XXXX that were automatically returned and then charged a XXXX NSF fee. By the time Citibank decided to reject the payment the account balance always ends up in a negative status. It not because I do not have enough money. The account would not allow for such transaction because I do not have overdraw protection. I feel my finds are being played with for some unknown reason. There was an incident that occur not too long ago where I was to have XXXX transferred over from Citibank to XXXX XXXX XXXX XXXX. The transaction was initiated and the funds were sent but then a few days later when I checked to see if the funds were at XXXX they told me that Citibank said that the customer cancelled the transaction yet the XXXX never made it back to my Citibank checking account. Like I said the has been an ongoing problem. Also, it takes a long time for them to bring my account balance up to date online. My account balance balance will read a specific amount for days on end and not be updated for sometimes up to a week and a half later. Many problem and many issues I am being held responsible for yet I am not the party making the mistakes. 
Best, XXXX XXXX XXXX
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (CA)

I received a letter from DCM Services , LLC requesting identity of the person with authority to pay debts of my husband 's estate. My husband died 2 years ago and he/his estate had no outstanding debts of any nature. I have never received any notices of amounts due to anyone. There is no information regarding amount due or name or nature of debtor. This appears to be a phishing scam. I called the phone number listed and left a voicemail advising them that he had no debts and not to send any more similar mail.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I logged into my Wells Fargo mobile app as I usually do in a daily basis to manage my accounts, only to discover that my checking account was charged for four ( 4 ) separate transactions equaling to {$49.00} in the state of Georgia which i have never been to. I immediately called Wells Fargo Bank and let them know of the situation, they proceeded to cancel my debit card and send me a new one, as well as opening an investigation. Wells Fargo Bank is refusing to reimburse me for my loss stating that my " pin was used '', even though I only had one ( 1 ) card for that account and I am the only person that has ever known my pin for that card. I also argued that i used that card on the same day as those fraudulent transactions-in a different state. How could I be at two different states at once for physical transactions? I requested an appeal from Wells Fargo 's Fraud department but unfortunately they are refusing to resolve this matter and reimburse me even though I caught and reported the four fraudulent transactions within just a few hours of when they made. As a long time, faithful Wells Fargo customer, with multiple accounts and direct deposits, I am truly offended and upset at how they have responded to me. The only positive thing of all this is I'm glad I got to see the true side of Wells Fargo bank before I cashed out my 401k account, as I will be using a more reliable bank with better customer service for my deposits.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Absolute Resolutions Corp. (CA)

They refuse to provide original documentation. I have disputed this debt with three credit bureaus. Specifically XXXX and they keep claiming this debt is accurate. It is not accurate. I went on XXXX in XXXX XXXXnd I settled all my debts. The original XXXX XXXX cancelled my debt due to XXXX. They can not legally resurrect a debt simply by assuming it. This debt was cancelled and are attempting to extort a XXXX veteran for money with the help of XXXX
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (DC)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX Account # XXXX 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 2021-05-08
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. (SC)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (CA)

It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.
Consumer complaint received 2023-02-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a dispute for my XXXX XXXX XXXX back in XXXX 2022. There is no XXXX XXXX being reported on my XXXX XXXX report and proof was provided. As of today, the bankruptcy is still reporting and the dispute has not be closed or resolved. In addition, I am not able to access my credit report due to the open dispute. I have called several times and no rep was able to assist me.
Consumer complaint received 2022-04-07
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. (DC)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX XXXX  Account # XXXX 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 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed the inaccuracies of XXXX XXXX  on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2023-02-01
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (OH)

I opened a checking account with Truist Bank online. After a few days my account was locked for so called fraud prevention. I disagree there has been any fraud as I've verified all the information they've asked for. This appears to be unnecessary consumer harrassment. To unlock my account I'm being asked to go to a physical branch to get this resolved. There are no physical branches within XXXX miles close to my address but they do not seem to care about this. To resolve this, I've also proposed multiple options including providing more notarized information to verify my identity and to go above and beyond what they need. I've asked to speak to a supervisor multiple times, but no luck. 

If they require someone to walk into a physical branch, they shouldn't allow customers not within XXXX miles to their branch open an account online with them.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

We refinanced with company in XX/XX/2020. When the rates dropped we applied to refinance with same company. The Loan originator made promises but never submitted our application. We wasted a month trying to get him to start the application. We have A1 credit and income. Refi should have been a slam dunk easily. Our guess is that doing a refi would cut into loan benefits earned last year or we are victims of racism. This is the same originator who did an excellent job on our first refi with Owning. When we realized he wasn't going to help us, we began an application with new loan originator at owning. /Guaranteed Rate. Things started out great, we gave them everything they asked for. Again, should have been a slam dunk, A1 credit plus income. Refinancing can now save us approx {$270.00} per month. They never had the numbers/amounts correct on documents even after we supplied correct official information. It has now been over six weeks and they give one excuse after another for not closing. I tried to reach the loan originator and loan processor 's supervisor who, to this day has not returned my call.
Consumer complaint received 2021-05-08
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 (GA)

I was checking my credit at my broker 's home because I want to buy a house and I noticed that there are multiple erroneous accounts reporting on my credit profile that I did not authorize. I was a part of a data breach and my personal identifying information was compromised. The accounts and inquiries that are fraudulent are listed below : Account Name : Discover Bank Account Number : XXXX Amount Owed : {$500.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$470.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$800.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$700.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$340.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$900.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$290.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$490.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX
Consumer complaint received 2022-04-07
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: JPMORGAN CHASE & CO. (IL)

There were XXXX unauthorized charges of {$500.00} made on XX/XX/2021 through XXXX for XXXX XXXX using my debit card. We immediately contacted Chase Bank and they began to research these charges. On XX/XX/2021 they sent us a letter stating that the transactions were processed correctly or authorized and withdrew the {$1000.00} from our account.
Consumer complaint received 2021-05-08
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. (NV)

I am not sure what happened to cause XXXX XXXX XXXX Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies Equifax, XXXX, and XXXX the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX XXXX ( XXXX ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Consumer complaint received 2021-05-08
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (CT)

Lexus Nexus an identity verification company. After dealing with them for well over 30 days, they fixed my verified information as far as my phone phone number is concerned The problem with this company is they also use unverified information and in unverified account they did not fix the phone number issue. There is no number there at all after speaking with this company and asking them why was the verified information fixed, but the unverified information is not fixed. If they have verified information, then why cant they just fix the issue at hand? They want another XXXX to XXXX days telling me they have to wait until this information is reported to them by whoever reports information to them. 

They will not just fix it, even though they have a verified phone number Which makes absolutely no sense to me This all stems from XXXXXXXX XXXX  putting cashiers checks on hold and holding that money until my phone number can be verified, and although XXXX XXXX is using Lexus Nexus as a verification company, they are looking at an unverified profile, which makes no sense to me. 
The information is there within their system. I would love it if somebody could look into this and help me understand what is so hard about just fixing a phone number. 

Thank you for your time
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: Nationwide Credit & Collection, Inc. (SC)

I, XXXX XXXX, consumer, am submitting this communication to inform NATIONWIDE CAPITAL SERVICE XXXX. XXXX, 2022 {$1700.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt.

In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above.

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TN)

Criminal record of XXXX XXXX  appearing on my credit report is an error. It is from XXXX of XXXX in XXXX  XXXX, Pennsylvania for XXXX XXXX XXXX. I am XXXX XXXX   XXXX. Also, please help remove incorrect address that is reported on my credit- XXXX XXXX XXXX XXXX   XXXX Pa XXXX. This is also in error and should.not appear on my.credit. I have seen these items reported by various companies hired by potential employers to run for employment purposes. ALL 3 major credit reporting bureaus. This is a critical and urgent barrier to my career, so please help expedite my complaint to have errors removed. Thank you!
Consumer complaint received 2017-12-22
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)

1. XXXX account {$51000.00}, paid off. 
2. XXXX account is not mines. 
3. XXXX account, not mines.
Consumer complaint received 2021-05-08
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. (PA)

XXXX credit card had XXXX balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. XXXX investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with Equifax and XXXX, but not XXXX. XXXX complaint was settled with the the balance being maintained by XXXX. Waiting for Equifax result. All credit reports are still down XXXX points.This was after XXXX promised to take care of the problem on their end two weeks ago.