davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

On XX/XX/XXXX - this company posted to my Credit report. 
I have phoned and tried to locate an email numerous times and have been unsuccessful. 
On XX/XX/XXXX - I sent a letter to verify validity of debit - I have had no response yet this company has been submitting to my credit report twice a month
Consumer complaint received 2021-04-30
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: MAJR Financial Corp (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; MAJR FINANCIAL is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. MAJR FINANCIAL is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : MAJR FINANCIAL XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NC)

In XX/XX/1986 my husband and I purchased three ( 3 ) IRA 's from Citibank in XXXX, XXXX XXXX. At that time, we placed information about them in a home security box and forgot about them. We knew they were for retirement which was many years away. We were busy working and raising a family and retirement was not on our minds. During a recent move from XXXX XXXX state to XXXX XXXX, I had to access the box and found them tucked away. They had remained undiscovered all these years. Again, neither my husband nor I had remembered we purchased them and had, in fact, completely forgotten we had them. The information I have attached is the only information I have regarding these 3 IRA 's. 

I have contacted Citibank and the attached correspondence is self-explanatory. I have reiterated to Citibank that I have no other paperwork regarding these accounts. We have statements from XX/XX/1986, but nothing after that time. Even though I have told them repeatedly I have nothing else, they keep insisting they need " statement '' or " passbook '' showing the accounts were active within the last seven years. The only information I have is from XX/XX/1986. 

I'm terribly frustrated by Citibank and their reluctance to do whatever they can to find these accounts. We purchased these IRA 's so that we would have funds for retirement. Citibank got our money. I want to know what happened to it.
Consumer complaint received 2019-03-15
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: EQUIFAX, INC. (FL)

I disputed with Equifax on 2 occasions about 5 collections accounts that I was not aware of and they never sent me my results by mail and now the time has lapsed 30 days on each attempt to dispute with them.
Consumer complaint received 2021-04-30
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)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXXXXXX XXXXx XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/ SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : THESE NAMES DO NOT BELONG TO ME Names Select as many as apply XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX Addresses THESE ADDRES DO NOT BELONG TO ME PLEASE REMOVE XXXX 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XX/XX/ SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-03-13
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: SYNCHRONY FINANCIAL (CA)

XXXX  and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. Snchrony Bank/JC Penney was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XX/XX/XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Consumer complaint received 2018-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

Dear sir. 
In XX/XX/2018, I made transfer to my son in US through XXXX XXXX in XXXX XXXX. Until this moment the money not arrive to my son. I keep calling my bank and no answer. Please help me. Amount ( XXXX SAR ). Bank swift code ( XXXX XXXX, reference from my bank ( XXXX ), SWIFT no. from my bank (  XXXX ). please please please help me. my bank is not cooperating. my son need the money for school. I keep calling them but no use. I made a complain in XXXX XX/XX/2018 and they gave me a complaint # ( XXXX ). but no use. no body call or tell me what happen to my money I sent to my son. 

My son information is : Beneficiary Nick Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Swift : XXXX Beneficiary Bank Name : WELLS FARGO BANK NA Beneficiary Branch Name : XXXX XXXX Beneficiary Branch Address : ( FOREIGN EXCHANGE SETTLEMENTS ) Beneficiary Branch Country : United States of America Beneficiary Account : XXXX Beneficiary Currency : US Dollar Beneficiary Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Creation Date : XX/XX/2018 Beneficiary Type : International Beneficiary Phone Number : XXXX Beneficiary Status : Active Beneficiary relationship : Relatives / Friends Beneficiary Description : My Son Beneficiary Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip XXXX NE my information name : XXXX XXXX XXXX XXXX contact : XXXX e-mail XXXX XXXX
Consumer complaint received 2021-03-30
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: BARCLAYS BANK DELAWARE (VT)

We have attempted to dispute a {$600.00} charge on a service that was not completed satisfactorily. We made several attempts to work out the problem with the vendor and returned the item several times to the shop to be repaired. With the item never working properly, we finally decided to dispute the charge with Barclay 's XXXX XXXX 

On XX/XX/2020 I mailed the dispute, along with supporting documentation, to the address listed on XXXX 's website for disputing charges. After several weeks of hearing nothing, I called XXXX 's and was told they never received the letter. I rechecked the mailing address with the agent and it was correct. At this point, on XX/XX/2020, I resent all the information via certified mail. The letter was received and signed for on XX/XX/2020 at XXXX XXXX. 

After not hearing from XXXX  again after several weeks, I began calling. Once again I was advised the letter and documentation had not been received. Once again we double checked the mailing address with the agent and it was correct. 

I asked to be connected with a supervisor and was told that was not possible unless I had a dispute number in their system. 

I have made numerous calls and asked for a supervisor. Finally getting an agent to " look for one for me :. On the several times I called XXXX, I have literally waited hours on hold and no supervisor was ever " available ''. 

Over the course of an additional few weeks, I did receive 2 calls from XXXX that I was unable to take at the time of their calls. The call back number always connected me back through the main dispute call center. I was told since they attempted to contact me twice and I was not available, I would have to begin the process all over. In other words, if a customer is not available at any unspecified time to take a call, after XXXX 's second attempt, the customer basically begins all over again. 

This particular call back scenario happened exactly 3 times. I even received a letter from XXXX stating after numerous unsuccessful attempts to contact me XXXX not true ), they were denying my claim. 

We are now reaching out to you in hopes to get this resolved. We have made every attempt to resolve this, first with the vendor, next with the credit card company. It is unfathomable that a company like XXXX 's would have such poor customer service.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.
Consumer complaint received 2018-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (GA)

To Whom It May Concern, Account Number : # XXXX / TEK COLLECT Reviewing my annual free credit report, Ive notice TEK COLLECT negative account on my credit report. I have never heard, never signal a legal binding contract with TEK COLLECT and I have never heard or received any documentation from TEK COLLECT. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to TEK COLLECT. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from TEK COLLECT referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with TEK COLLECT, I am not obligated to buy for the alleged debt TEK COLLECT is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and TEK COLLECT account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX
Consumer complaint received 2018-11-19
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: Navient Solutions, LLC. (NV)

XXXX  has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (PA)

this is not my first attempt to contact someone at Discover Student Loan to get assistance with lower my monthly payment. As a matter of fact I have been trying for years without any success. I have emailed, called and even tried to contact the president of the company without 1 single response!! Customer service repeatedly states there is nothing they can do to help me with my situation. And yet their website and different articles I have read states how Discover Loan is one company that assistances their borrower that are having problems making their monthly payments. What do I need to do to get help?!?! I have tried to honest with Discover regarding my financial situation and yet they have not even asked for a copy of my XXXX or any financial documents. I have repeatedly stated my intent was not to walk away from my financial obligation however I need HELP!! Can someone please help me make my payments affordable??
Consumer complaint received 2019-03-15
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: PNC Bank N.A. (OH)

I called PNC bank dispute department XX/XX/XXXX. I was ask 10 verification unnecessarily. 
This man was XXXX  and out of his XXXX XXXX XXXX mind. 

On XX/XX/XXXX there was a charge on my account for a purchase I didn't make or authorize. I called the merchant and they e-mailed me a return label. I sent it back but I have not received the credit or refund back to my account. 

XXXX {$95.00} ON XX/XX/XXXX NOT MY TRANSACTION
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (CA)

I tried to cash out my chime account to my linked bank account in the amount of {$9400.00} and was informed my account had been closed I have sent in proof of identity and proof of ownership of the linked bank account and have gotten no reply from anyone at chime I have been dealing with this issue since XXXX and Chime is refusing to give me my money
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

XXXX XXXX Credit Card decreased my credit card credit limit from {$1000.00} to {$300.00} I had nearly paid the credit card balance leaving a {$200.00} balance on my account. when I check my credit report they decreased the account without my knowledge Damaging my credit ratio which means to the credit reports I owe 80 % of the credit card balance. this damaged my credit report score lowering my credit score even more when I had paid the balance off practically to get my credit score back on track,
Consumer complaint received 2022-07-28
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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, 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 Equifax 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
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything.

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
Consumer complaint received 2022-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

XXXX XXXX  has a 30 late payment listed on my credit report that is inaccurate. I have made numerous attempts to get this reporting corrected and have not received any response from XXXX. I have been waiting over 90 days. Under the FCRA this late payment should be deleted immediately due to lack of response.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Bank 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 without my written instructions.