davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (CO)

In XXXX of XXXX I became my mother 's legal guardian and conservator, as ordered by the state of Colorado. Shortly there after I moved cities within Colorado. I never received a bill for this instance of my mother 's outstanding credit card debt. Then, in early XX/XX/XXXX, I was served with a court summons on by the law firm / debt collector agency XXXX XXXX XXXX, XXXX. I am not disputing the debt owed, but would simply like to resolve this outside of court. Here is the timeline of my attempts to contact them to seek resolution : XX/XX/XXXX -- Called at XXXX XXXX and left a voicemail. The court summons did not include a reference number, which their outgoing message asked me to provide, so I could not provide it. My call was not returned. 

XX/XX/XXXX -- Called again and was connect to XXXX XXXX, extension XXXX. She confirmed that we could resolve the matter, but that I simply needed to send them copies of the guardianship and conservatorship orders from the state of Colorado, and then call back a few days later. I emailed them to the email address provided : XXXX. I did not receive confirmation of receipt. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called and left a voicemail on XXXX XXXX 's extension. My call was not returned. 

XX/XX/XXXX -- Called an left voicemail on XXXX XXXX 's extension. 

The court date is XX/XX/XXXX. 

I learned of this debt that my mother owes in XXXX and immediately attempted to resolve it, but they are forcing me to go to court.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

CREDIT REPORTING AGENCIES- EXPERIAN XXXX AND XXXX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: UNITED BANKSHARES, INC. (MD)

We financed a mortgage through a local lender, who immediately sold the loan to United Bank. United Bank seems to be a small-time/town very poorly run institution. We've had several issues in trying to use the website, where their instructions don't match what options are available there. The bank 's customer service team, while they do pick up the phone when you call, are hopelessly uninformed. We recently conducted a recast. You'd think it was XXXX XXXX by how we had to do it. We actually had to go into a branch to write a paper check and hand it in, which one staffer just set on a desk while the main POC was at lunch. They didn't inform me that we had to manually online update the auto payment. 

Just overall, this bank needs to update their website to the XXXXXXXX XXXX, much less XXXX  and beyond. Their staff needs to be trained on how the website works, what a mortgage recast is, check safety, etc. We never had these problems with real banks like XXXX XXXX XXXX XXXX XXXX XXXX, etc. These real banks know how to use modern technology, train staff, and just operate professionally.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

LVNV was notified in XXXX that the account did not belong to me. LVNV ( XXXX XXXX was asked for proof that this account was opened by me. 

The only information I received from LVNV ( Resurgent ) regarding this account was the name of the original creditor, account number and that I owed a balance. 

I waited approximately 30 days to allow for further correspondence but it was never received. 

I followed up with LVNV ( Resurgent ) to ask for the status and they advised that the original Supervisor XXXX didn't properly document the dispute and send the necessary documentation. 

A copy of the FTC Identity Theft affidavit was sent to LVNV electronically and was acknowledged by XXXX XXXX. After that acknowledgement, I contacted LVNV to inquire when the account will be closed and the tradeline deleted from the credit bureau. LVNV continued to try to collect on the account despite knowing that it was identity theft.

LVNV has rejected the credit bureaus request to investigate/delete the tradeline. 

As a result of this account, I have been denied my mortgage loan and have suffered monetary damages.
Consumer complaint received 2023-11-28
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. (SD)

On my report I saw an account of over {$700.00} dollars and I did not authorize! It doesnt even have my name on it anywhere! The address on it isnt even mine?!! Still all XXXX does is update it! I want it removed, it is not my account but XXXX wont listen! It has financially XXXX me from going to college because of higher interest rates! My score was above XXXX when they added this account and whoever owns it didnt pay so now I have no payments! Wrong!!!!
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

LexisNexis, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX # 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX # 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX # 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Today, I received a call from Bank of America executives or whatever. The first one, XXXX at XXXX and XXXX. And other one was by XXXX at XXXX. I had the trouble with my phone voicemail and its function was changed. And I could see the 'virtual voicemail. ' And voicemail numbers were different above-mentioned numbers. Anyway, the first two were shown 'unknown ' at voicemail and called from XXXX XXXX or whoever, regarding the claim letter which did not have the claim number. She said her number XXXX. And the last one was called herself executive dispute something, XXXX XXXX ' I remember I had a call from XXXX before, but this XXXX was much younger than today 's XXXX XXXX from the voices. And XXXX XXXX kindly mentioned claim number XXXX, which was relating with XXXX XXXX XXXX XXXX and the issue price was {$0.00}. And this 'XXXX ' told her phone number XXXX. The voicemail indicated XXXX, which was same as caller ID. Since all phone number indicated did not match at all, I do not want to contact with them.
Consumer complaint received 2019-09-13
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: Incomm Holdings Inc. (NJ)

I made two purchases with the {$500.00} prepaid Visa Vanilla Gift Card XXXX XXXX XXXX XXXX One on XX/XX/19 for {$87.00} and another on XX/XX/19 for {$55.00} Then on XX/XX/19 and XX/XX/19, someone charged {$350.00} over 8 separate online purchases. This card is not supposed to even be able to work online without registering it first. These purchases to XXXX XXXX online and XXXX are fraud. I contacted Vanilla Visa Gift  Cards by phone and made my claim in XXXX. They asked for some information and started a case dispute. I sent them the information I had and was told it could take a week for a response. I never heard back. I sent numerous inquiries and rarely heard back and when I did they asked for the initial information that I've already provided on more than one occasion. Clearly they are giving me the runaround and are fraudulent themselves.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. Hyundai Capital America is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Hyundai Capital America is the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and Hyundai Capital America, whether it be verbal, non-verbal, written, implied or otherwise is revoked. Hyundai Capital America and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to Hyundai Capital America, in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
Consumer complaint received 2023-11-30
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. (TX)

I do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2023, unauthorized charges were charged to my Wells Fargo checking account. I called as soon as I noticed two charges were made of {$700.00} and {$800.00} that same day. I opened the claim with Wells Fargo and waited until XX/XX/2023 to call to see if I would be given a provisional credit while I waited for the dispute, since I had still had no response from Wells Fargo since XX/XX/2023. When I checked while on the call with a representative, I seen my claim was now closed on the Wells Fargo app. I was transferred from one representative, to the one handling my claim where she then decided to tell me that it was closed and to wait 2-5 minutes to give me an explanation why. Her explanation, upwards to 10-15 minutes later, was that it was denied because there was no failed pin attempt on one charge and because the other charge was through XXXX XXXX She said a letter was sent out XX/XX/2023 stating the denied claim, however I wasnt notified XX/XX/2023. I cant get an email stating why it was denied through Wells Fargo.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. I told XXXX, Transunion, and XXXX to reinvestigate the Account XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was on vacation for the weekend when my phone was stolen along with my wallet which contained my debit and credit card on XX/XX/2019. At the time, I was unaware that the items had been stolen until a few hours later. Upon realizing the items had been stolen, I logged on to XXXX and discovered the thief used my phone to transfer {$3500.00} dollars from my savings to my checking and withdrew in increments of {$500.00} seven times for a total of {$3500.00}. The thief also cash advanced off of my credit card for {$200.00}. The unlock code for my phone screen was the same as the four digit number to access my mobile banking on my phone which apparently was used for the transfer. The same four numbers were also the PIN for my debit card. If the thief had one code they had them all and were able to freely operate my account. I immediately called USAA to report the fraud after discovering this on XXXX. I then visited the local Police Department and filed a report. USAA opened an investigation in to the fraud and sent me an email saying they determined the transactions were not fraudulent. I believe that the reason for determining the transactions were not fraudulent was that the thief had access to my mobile banking as well and could have accepted the security messages that were sent regarding suspicious activity during the time of the transactions.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (WA)

first of all, I was never informed from XXXX subserviced by LoanCare that they have a data breech where they shut down their phones and online accounts. so, when trying to make a payment for my mortgage on XX/XX/23 I could not. I called customer service and got nothing. Called again XX/XX/23 for a rep to answer the phone and was not helpful all she told me was I don't have any information. when I asked her about late fees, she said she didn't know. Finally got an email from LoanCare saying that their back online so I tried making a payment online inputted my checking account number and hit submit for it to say unable to process payment so I hit exit and called and made a payment over the phone got my conformation number. an hour later I get an email saying thank you for your payment of {$2000.00} which I was like good it went through but only to get a second email saying thank you for your payment {$2000.00} now I'm freaking out because if they try to take-out two-house payment my account will be overdrawn. my first payment will go through but no the second one and I hate for that to happen because I'm NEVER overdrawn or late for a payment. So, I called My bank which the funds come out of XXXX XXXX they said they don't see anything yet but takes about 24-48 hours to process they said to contact LoanCare let them know of the situation they should be able to reverse or stop payment. She said if I don't hear from them to call back XXXX XXXX, they will try to submit a disclaimer. I called LoanCare today XX/XX/23 at XXXX was on hold for XXXX min for the rep to tell me that she'd need to transfer me to a supervisor so in that process she hung up on me this is VERY frustrating!!!!!! I've been trying to call and get a live person but all I get is, if you're calling during normal business hours sorry for the inconvenience if you're calling after business hours, please call back tomorrow during normal business hours and hangs up not option for waiting just hangs up. I'm stuck I don't know what else to do this is just not right how they can run a worldwide business like this and get away with this?? Please just some call me back I need answers.