davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

XXXX XX/XX/2019 On XXXX XX/XX/2019 XXXX XXXX XXXX deposited {$500.00} into the Wells Fargo ( WF ) account of XXXX XXXX XXXX, her son. She filled out the deposit slip for his account. She INTENDED to put the money into HER account, but did not do so. WF correctly put the money into XXXX 's Account. On XXXX XX/XX/2019 WF did 5 things : ( 1 ) It spoke with XXXX on the phone & she told them what she had intended but in fact did not do. ( 2 ) WF debited ( removed ) {$500.00} from XXXX 's account. They did not notify XXXX or me. ( 3 ) WF put {$500.00} into the account of XXXX XXXX. ( 4 ) They sent a false statement by USPS to  XXXX. WF wrote : " we want to let you know about an error we identified when processing a transaction from XX/XX/XXXX .... there was a delay in posting a deposit. '' This statement is false on 2 counts. ( a ) There was not error on the part of the bank. The bank put the money into the account ( XXXX 's ) indicated on the deposit slip. ( b ) There was no delay. The deposit to his account was on XXXX XXXX, the same day she filled out the deposit slip. ( 5 ) WF sent a false statement to XXXX and to me by USPS. The letter is dated XXXX XXXX & it arrived on XXXX XXXX. It came to XXXX and to me because we have a joint account. This letter says : " we want you to know about an error we identified when processing a transaction from XXXX XXXX on your account : a deposit processed in error to this account, to correct the error on XXXX XXXX, we debited {$500.00} from your account. '' Again, there was no error in processing. The bank put the money into the account specified on the deposit slip of XXXX XXXX. MY COMPLAINT IS THAT WELLS FARGO REMOVED {$500.00} FROM OUR JOINT ACCOUNT WITHOUT NOTIFYING US, WITHOUT ANY DUE PROCESS OR RECOURSE ON OUR PART, THEN THEY LIED REPEATEDLY ABOUT THE REASON FOR THIS. I believe they this debiting ( removal ) of the money was not legal. Remember the money was put where the deposit slip said to put it and the money had been in the account 32 days. I write this letter with full consent and knowledge of both XXXX and XXXX. I have documents to support all these statements. [ XXXX does not have evidence of the way she filled out the deposit slip on XXXX XXXX, but she tells me that she filled it out to XXXX ( not to herself as she intended ). She tells me that she has requested a bank copy of this transaction and has not received it after 2 weeks. ] She tells me that on XXXX XXXX she told WF that she had made the error on XXXX XXXX. She tells me that the error was not made by WF. The Wells Fargo department handling this is CORRECTIONS & RECONCILEMENT - CUSTOMER RESEARCH with a File # XXXX. I have not contacted WF about this matter. I am going to send a copy of this complaint to WF. I attach 6 documents to this complaint.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account : CREDENCE RESOURCE MANAGEMENT # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2019-08-27
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. (IN)

To Whom It May Concern : Report Number : XXXX XXXX XXXX XXXX : Account Number XXXX**** This in response to a dispute I sent experian that opened an account dispute XX/XX/XXXX. This results of this dispute stated the account was updated, but nothing in the account information updated. This account continues to report inaccurately and illegally. Experian shows date last reported as XX/XX/XXXX. How can this be when I disputed this account XX/XX/XXXX. This means no re-investigation was done, you are also refusing to remove this fradulent account. This has not been legally verified and because Experian continues to report it this is a FCRA violation. 


Inaccuracy # 1 Date of Last Payment Experian shows a date of last payment as XX/XX/XXXX XXXX shows date of last payment as XX/XX/XXXX Inaccuray # 2 Date Last Active Experian shows a date last active as XX/XX/XXXX XXXX shows date of last active as XX/XX/XXXX FCRA violation : Experian shows date last active as XX/XX/XXXX, but Experian also shows Date of last payment as XX/XX/XXXX. How, When a late payment is considered activity for an account? 

Experian and XXXX both report inaccurate high balance : Experian shows : {$11000.00} Equifax shows : {$11000.00} XXXX XXXX Explanation of Calculation of Surplus or Deficiency : shows {$12000.00} If XXXX and XXXX  are getting the same information from the same creditor, then why does this account show inconsistent information? 

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Please send me the documents that prove Inaccuracy # 1 & inaccuracy # 2 are reporting correctly. Because of this obvious neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this account immediately. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 




Documents enclosed are as follows : I have enclosed a notice I received from XXXX XXXX which shows the high balance for Experian and XXXX reports is inaccurate. Please see XXXX XXXX XXXX - Explanation of Calculation of surplus or deficiency Aggregate unpaid balance of agreement as of XX/XX/XXXX - {$12000.00} This is what XXXX XXXX documents show is the accurate high balance. 

I have enclosed a screenshot of this account for you to view. Please see Date last reported, Date of last Payment, Date Last Active.
Consumer complaint received 2019-08-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Mr. Cooper Group Inc. (WI)

Dear Consumer Financial Protection Bureau Had sold my house in XX/XX/2018, than few months later I received a check from my Mortgage company, ( Pacific Union Financial ) Balance of over payment of Taxes, Than I was out of the country on XXXX work and the check was placed in a drawer and 1 year was gone on this check, so my local bank said I need to just get the check re issued, so I tried contacting Pacific Union to get my Check ( money ) reissued to me, but I find out the Pacific union was bought out from MR COOPER, so I called them and they told Me no problem Mr. XXXX XXXX the check will be re issued, so 2 months go buy and still no check .. and today I called back the newly owned Company MR COOPER and they inform me that the money wont be re Issued because of a bankruptcy I had many years ago? and I said the house never was part of my bankruptcy and had nothing to do with this already issued check, and so I called my Attorney and was informed to Contact this agency. XXXX XXXX XXXX out of XXXX Wisconsin, I was informed even if it was anything to do with a bankruptcy it would get returned to the trustee. 

this Check ( XXXX dollors ) is My money Not Mr. Cooper, This is A check that already is a issued check from Pacific Union Financial Bank, closing statement on my personal residence house. the check is just now over 1 year old I was gone on XXXX work and went unnoticed. I asking for the Bank MR Cooper who purchased Pacific Union to RE - Issue this check, if not issued in a timely manor to pay me my added expense 's for my time and inconveniences to the law .. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX Make Check Payable to XXXX XXXX XXXX {$120.00} dollors -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Pacific Union Financial original loan holder now is MR COOPER XXXX XXXX XXXX XXXX, TX XXXX - XXXX Mr. cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Mr. cooper complaint address att. customer relations XXXX XXXX XXXX XXXX tx. XXXX Mr. Cooper phone - XXXX If you need any more information you can please e-mail my personal e mail - XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

I recently applied for loan at One Main Finance XXXX XXXX, KY. Which I did not take out by choice. However when ask about what the loan was for. " I stated it was to pay off a credit card. ' The lady stated I was a authorized user. Was it my husband 's? I stated it was my wife 's. She said it could be your husband 's. I guess depending on which role you play. And laughed. I really did not appreciate that at all and I certainly did not think it was funny. I think One Main company may need to educate their employees in the XXXX community and rights. I am offended by what the employee say to me and she had no right to say nor should she have stereo typed me. I would like to know what can I do about this? 

Thank you XXXX XXXX Sent from my XXXX
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Receivables Fund Incorporated (IN)

On XX/XX/2018, Unifund CCR LLC filed a lawsuit against me. In court Unifund failed to serve me many important documents, misinformed the court many times ( told the court that " I '' was " confused '' during this year long lawsuit and either intentionally confused the court and myself or the attorney did not look at documents and records being submitted. Unifund 's counsel argued telling the court that I was using the court order to compel arbitration to argue FDCPA violations on another account owned by Unifund, which was not true. 

In arbitration with XXXX XXXX XXXX ( AAA ) ... 
I file two demand for arbitration cases with XXXX. One was a court ordered case and the other case included an account that was never in court. The court ordered XXXX case was closed by XXXX due to Unifund failing to pay their filing fee. Unifund 's counsel commingled the two credit card accounts into the XXXX case that contained the credit card account that was never in court. Their answer to my demand for arbitration was never served to me despite asking multiple times asking about it. When the case manager emailed me what Unifund submitted, I immediately filed objections because Unifund had commingled two different account numbers in their answer. I even listed which exhibits were for each account. It was VERY clear they were commingled considering there were documents on a $ XXXX credit card and a $ XXXX credit card with different credit card account numbers. We had our initial conference hearing in XXXX with the arbitrator. Unifund 's counsel either flat out lied to the arbitrator to try to confuse the parties or Unifund 's counsel did not take the time to read my objections that were served to her that spelled out which exhibits were for which credit card. Unifund 's counsel kept telling the arbitrator that I was lying and that ALL the documents were in reference to one account number. We got nothing accomplished at the hearing because Unifund 's counsel just kept calling me a liar and wouldn't give me time to talk. Needless to say, the arbitrator ending up making an award for both accounts because Unifund 's counsel kept submitting the documents for both. I never had a chance to even defend myself in the $ XXXX lawsuit because Unifund 's counsel either didn't look at the documents or was intentionally trying to confuse myself, the arbitrator and the court. I would expect more from an attorney.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Despite what is now two years of consistent effort with the credit reporting agencies all three have yet to remove what is on XXXX XXXX XXXX a card riddled with unauthorized charges after it was lost. I spent the majority of 2017 explaining only in the best English I could since it is my second language and no one would listen to launch an investigation into the charges. I know that the law covers reporting unauthorized charges and doesn't allow it until the end of the investigation but no investigation was ever initiated and I think it has much to do with me being XXXX and not knowing the law. Two years later I've done my research and realized that they're making a mistake and it's a mistake that affects them ability and ability of my family to live the American dream
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (CA)

Todays Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE. 
To Whom it may concern : Experian, XXXX, XXXX XXXX According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE. 
XXXX/XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 CXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 I am requesting immediately deletion of the above inquires. 

Thanks for your prompt attention
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank has continued to call me on a " Restricted '' line that I am unable to block, after having been asked to stop calling me. When I answer, and I do not speak ; they just hang u : p. When I let it roll to voicemail they do not leave a message. They start this process at XXXX XXXX, 7 days a week!
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

My Discover credit card has been a dormant account for years. However starting XX/XX/XXXX there were two {$4.00} charges for a magazine subscription. The autopay options was on, and payment method linked was a checking account, which has been closed. Since the checking account that supposed to pay the balance was closed. The bill of {$4.00} was not paid. 

However, DiscoverCard didn't send me any notification or alerts, which indicating the bill was not paid, account information expired or what so ever. 

On XX/XX/XXXX, DiscoverCard sent the first email saying two payments have been missed. This is the first time I have realized that the bill was not paid, which has been almost three months after Discover firstly identified the payment was not successful. 

By calling DIscoverCard to update my payment information, I have learnt the two missed payments have been reported by Discover to credit bureaus as late payment. 

I hereby demand DiscoverCard to reverse their late payment reports to credit bureaus, since there was no formal notifications or alerts from DiscoverCard prior to its report to credit agencies.
Consumer complaint received 2019-08-26
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-08-26
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-08-26
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: Eaton Group Attorneys LLC (LA)

To whom it may concern, In approximately XXXX, my wages were being garnished for a student loan debt by debt collectors of Eaton Group Attorneys. XXXX of XXXX I contacted Eaton Group and spoke to XXXX ( XXXX ) to inquire about this debt. I was notified that they had a 2nd garnishment for a XXXX credit card that they were then collecting on. I was not notified of this at all. So XX/XX/XXXX I received payments from Eaton Group in  approximately over {$800.00} for overpayment. 

In XX/XX/XXXX, I was sent a judgment letter against me rewarding XXXX XXXX   {$4500.00} for this XXXX credit card account. I once again never received court documents until they were supposedly filed against me. I notified Eaton Group Attorneys that I was seeking legal advice and needed more information on this debt. I always inquired about the statutes on this credit card since it was from XXXX, and the account was closed. In XX/XX/XXXX I received more documents where their was a court date and I was not notified. The supposed judge issued a wage garnishment for this account from XXXX. I sent a written correspondence to Eaton Group requesting more information and why wasn't I notified of a court date. I also advised them to submit all info regarding this to my attorney. I heard nothing, but my wages began being garnished on this 20 year old account. 

After contacting XXXX regarding this issue, they had no knowledge of the account being open and were no longer collecting. After carefully looking over my credit report, this account from XXXX is open without my knowledge with an credit limit of {$3500.00} in which I did not authorize this account. XXXX credit bureau could not give me any information or had no knowledge of this account. So I have a 20 year old account where my wages are being garnished and a open credit card account I did not authorize. Eaton Group Attorneys has failed to submit information from XXXX.
Consumer complaint received 2019-08-27
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. (KY)

I have contacted this company numerous times informing them that I am a victim of identity theft. Not only did I request a Fraud Alert to be placed on all 3 credit reports, but I also froze my credit reports, filed a complaint with the Federal Trade Commission and Filed a police report. I sent them copies of all of this. I received a generic response each time saying that the debt was validated. This is impossible. So now, I am writing to request the method of verification for this item : XXXX - XXXX   XXXX  - Opened XX/XX/17 - {$22000.00} Balance
Consumer complaint received 2019-08-26
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX