davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX DOB : XX/XX/XXXX After the account was closed they ( Transunion ) kept reporting the account as Charge Off, I sent a 609 letter last month, and they updated the XXXX information yesterday without contacting me with the verification I asked for, so the investigation for the XXXX XXXX Account looks like is going to be throw the same results. 

" Currently using 295 % of your account 's limit ''. TransUnion is reporting a credit limit, how can I have a credit limit after the Close Date? 
XXXX XXXX Balance {$290.00} Credit limit {$100.00} Closed XXXX. XXXX, XXXX I paid the whole amount on XXXX XX/XX/XXXX and they started charging late fees after. 

I sent this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fla.XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA.XXXX According 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


Name of Account Amount ProvidePhysicalVerificationCreditor XXXX XXXX {$820.00} XXXXXXXX XXXX  {$290.00} XXXX XXXX
Consumer complaint received 2021-09-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-09-13
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: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2020 with an amount of {$94000.00}
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-09-12
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. (TX)

Sunday, XX/XX/2021 Affidavit XXXX  Dispute/Invalid Charge - CLAIM ID : XXXX To whom it may concern and with all due respect- I have made reservation on XX/XX/XXXX at XXXX 7 nights starting XX/XX/XXXX - XXXX, Now Due to covid 19 outbreak I have made sure I have the right to cancel to receive a full refund and I have a receipt/proof supporting that as well. 

On XX/XX/XXXX at XXXX I have asked to cancel the reservation at once. 

Late On JXX/XX/XXXX, XXXX/host got back to me admitting full refund policy if cancel before XX/XX/XXXX before XXXX at that day. 

Since then Im trying to get my money back from XXXX- they keep ignoring my requests and send me around to a different support team member or not taking responsibility at all till these days. 

For further questions, I can be reached anytime at XXXX Thanks in advance.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS (GA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address. Please don't send any message of mail asking for proofofmyidentity because they are all attached here.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MD)

THIS DEBT COLLECTOR STATED I, THE CONSUMER, HAD 30 DAYS AFTER RECIEVING THIS NOTICE TO DISPUTE THE VALIDITY OF THIS DEBT, YET THEY REPORTED THE DEBT TO THE CONSUMER REPORTING AGENCIES PREMATURELY. THAT IS A VIOLATION OF MY CONSUMER RIGHT AND CONSTITUTES THE REMOVAL OF THIS ALLEDGED ACCOUNT IMMEDIATELY.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I applied for Wells Fargo credit card and despite having XXXX credit score - my application was denied by Wells Fargo. Upon calling- i was told to wait for the letter ( which i am attaching with this ). 
Strangely my spouse who has lower credit score than me- got this card.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. The fraud was made on XX/XX/2015.
Consumer complaint received 2021-09-12
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: TD BANK US HOLDING COMPANY (NY)

I have contact XXXX 's on several occasion ( spanning a 1 year period ) regarding Acct # XXXX. 
The above mentioned account was opened in the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX They have send me several corresponded claiming the account was validated & verified however my request for proof of that validation process has been unanswered.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

I received a check through the mail last XX/XX/2021 as payment for artworks that I have made. The amount that I received was {$2300.00}, more than the amount that I asked for, {$400.00}. I tried depositing the check with my XXXX XXXX XXXX XXXX, but it was not going through. I also tried depositing it through ATM, but it said it can not accept the check. So I proceeded to the bank, and initially asked why it was not going through. According to the teller, the computer was not telling why but they deposited it anyway. 

The amount reflected on my account, and the scammer told me to send over the money. I was confident about the amount in my account because the teller from the bank deposited it and it was fine. I was able to send a total of {$1400.00} through Zelle in multiple transactions and {$890.00} in total through XXXX in two transactions. 

Last XX/XX/2021, I called the bank because of the negative amount in my checking account. I called multiple times for them to tell me that it was a bad check and I was responsible for it. They said they could not do anything about it. In one of the calls, an agent suggested for me to make a dispute on Zelle and XXXX. 

I contacted the person whom I sent money to through XXXX. They said they will refund the money. As of the moment, I have received alert that I will be able to get {$400.00}, but no update yet for the remaining {$480.00}. 

I also reached out to the person whom I sent money to through Zelle named XXXX XXXX with Zelle email XXXX. He claimed that he did not know me, and that his Zelle account was hacked a month ago. He also claimed that he is not using it because he can not log in. 

I have also filed a report through Zelle. It is the most unhelpful report system that I have ever seen. There is no case number and no date to let me know any updates from the report. It also said that " for security and privacy purposes, results or actions of our investigations will not be provided. '' How am I going to even get an update, or event track my report?
Consumer complaint received 2024-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Mercury Technologies, Inc. ()

In XX/XX/XXXX, I lost access to both my email account and my Mercury Bank account. I was able to regain access to my email in XX/XX/XXXX. However, when I attempted to log into Mercury, I received an error message indicating that my email was not found. This is the same email I have used for my business banking since XXXX. 

I contacted Mercury Bank multiple times from my personal email, explaining the situation, but I was told they could not assist me unless I contacted them from the email registered with my Mercury account. I then reached out several times from my professional email, which was the original email associated with my account, yet I have received no response for over three months, despite my repeated follow-ups. 

I informed Mercury that my account had likely been hacked, with the hackers changing the email address associated with my account, locking me out completely. I provided all necessary details, but I have yet to receive any assistance. This ongoing issue has impacted my business as I can not access my funds or account information.
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC (MD)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).
Consumer complaint received 2021-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Im a XXXX XXXX and in XXXX of 2021 I asked/authorize the mortgage company to apply a little over {$4000.00} payment to the months of XXXX, XXXX and XXXX ; since I dont get paid until well into the month of XXXX. In mid XXXX, I started receiving texts and phone calls day and evening ( during work hours ) saying that I owed the month of XXXX. When I checked the bank account, they had taken a payment for XXXX then the {$4000.00} to apply payment for XXXX and XXXX and the rest was applied to the principal when I specifically said to apply to XXXX. I told them that they now needed to apply the little over {$2000.00} to XXXX and XXXX. They agreed and said it will be done in 10 business days. The calls about late payment continued and my phone calls to them telling them to stop and to apply that money to the monthly mortgage payments. Its been a month, I have spoken with numerous people and supervisors and nothin its been done. My account shows that I still owe the month of XXXX. Every time I call they say the cash in department hasnt done their job. Im running out of options and I feel helpless. They said they will not charge late fees but Im afraid it will affect my credit score. Now I just received an Early intervention letter because it shows in their system that I havent paid for 2 months. Please help.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (LA)

Over the past year I have been sending letters and calling XXXX, XXXX, and Experian about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called Experian on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXXXXXX XXXX every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXXXXXX XXXX reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX To Whom it May Concern : This letter is sent regarding a negative remark placed on my credit report regarding account # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 

This is not a request for VERIFICATION or proof of my mailing address, BUT a request for ASSIGNMENT VALIDATION made pursuant to the above-named Title and Section. 

I respectfully request your office to provide me with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Copy of the original Assignment Contract with ( Full name, Address, Full SS # ) XXXX. Date assignment was transferred ; and the agreement with the creditor that authorizes you to collect on this alleged debt. 
XXXX. The Completed and Executed agreement bearing my signature stating that I have agreed to assume the debt. 
XXXX. Complete payment history, valid copies of the debt agreement stating the amount of the debt and interest and all additional charges being assessed. 
XXXX. Proof that the Statute of Limitations has not expired. 
XXXX. Proof that you are licensed to collect in my state ; and XXXX. Your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or TransUnion ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc. (WA)

I have an Adjustable Rate Mortgage which resets every year on XX/XX/XXXX to reflect a new interest rate. 
I regularly pay added principal which decreases the interest collected from each payment. 
My loan was sold on XX/XX/22 to Valon Mortgage Inc. 
which used an incorrect estimate of the outstanding principal balance to amortize the new loan payment at the reset date of XX/XX/22. 
The difference in the minimum payment is only a few dollars each month but it means the math has been calculated in error. 
Valon has also incorrectly applied my prior extra principal payments to 'calculate " full principal and interest payments then used shorten the XXXX loan term remaining. See file. 
That the extra principal has already been used to decrease current interest doesn't seem to register. 
That error will affect all future loan amortization since, even if the last year 's balance is small, the ARM loan will be fully amortized in that last year to yield maximum interest which means a full year of payments. 
My account page reflects that mistake in the 'payments remaining ' portion which is enclosed. 
Repeated attempts to set this issue right have been ignored in lieu of nonsense replies blaming the prior servicer for 'finalizing ' the incorrect balance. 
Email copies and a screenshot of my account page are enclosed.
Consumer complaint received 2024-11-19
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. (IL)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.