davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX - {$68000.00} was cashed under a individual that is not the person written for XX/XX/XXXX filed charges case number XXXX ... .still I have not heard nothing
Consumer complaint received 2020-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (GA)

Dear Consumer Financial Protection Bureau, CFPB : Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP  writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, MEDICAL, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} FOR treatment resulting from XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$12000.00} and have FAILED TO DIRECTLY COMPENSATE ( 1 ) XXXX  XXXX, XXXX XXXX XXXX XXXX {$440.00}, ( 2 ) XXXX  XXXX  XXXX  {$550.00}, AND ( 3 ) XXXX ( XXXX XXXX XXXX XXXX ) {$5900.00} FOR UPCOMING XX/XX/XXXX through XX/XX/XXXX workshop attendance. There lackadaisical attitude is interfering with THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts because they are directly causing me to incur THEIR DEBT BECAUSE THEY DONT PAY THEIR ITEMIZED BILLS GIVEN TO THEM. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

I was told I had a balance transfer offer after I inquired. However, the date had past and no balance transfer offer expiration date has ever been included in my billing statement. When I reached out to the company they said I could only view the date if I went into the app and viewed the offer while it was active. When I asked where in my statement the expiration date was I was told they can not view my statements, their is nowhere to view my agreement online, that it should have been mailed ( I opted into digital communication ), and that I should fax or write a letter to them about my concern.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian has my FICO score ( good ) very much lower than XXXX ( Excellent ) and XXXX XXXX ( Excellent ) due to incorrect reasons ( late Payments ) in their fico score information. 
I have never paid late on anything but they have me being late 30+ days and 60+ days. 
This is incorrect. They say they can not change it even though there is no evidence of late payments.
Consumer complaint received 2020-01-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX  credit card, all of my store credit cards. There was a {$10000.00} XXXX  credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with XXXX  and XXXX, but have not received any response. I can not reach a live person with Experian to file a dispute for both of the accounts from XXXX and XXXX  that are not valid.
Consumer complaint received 2023-03-05
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: Applied Business Services, Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to dispute the debt collection efforts by Applied Business Services , Inc. for an alleged debt that I do not owe. Furthermore, I have learned that this collection agency is not licensed to operate in the state of Florida, which raises serious concerns about their compliance with state and federal laws. 



Despite my repeated requests for information and validation of the alleged debt, Applied Business Services , Inc. has failed to provide me with any evidence or documentation to support their claims. Furthermore, I have recently discovered that this collection agency does not hold a license to operate in the state of Florida, which is a violation of state law. 



I have also been contacted by XXXX XXXX XXXX XXXX, who claims that I owe a debt for services rendered. However, XXXX XXXX XXXX XXXX has been unable to provide me with any documentation or evidence to support this claim, other than a digital copy of my signature. I do not recall signing any agreement or contract with XXXX XXXX XXXX XXXX, nor do I have any record of receiving the services for which they claim I owe a debt. Furthermore, I believe that it is highly irregular and questionable that Applied Business Services , Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, who can not provide any documentation or evidence of the debt other than a digital copy of my signature. 



As a consumer, I have the right to request validation of any alleged debt and to receive accurate information about the party attempting to collect it. I am deeply concerned that Applied Business Services , Inc. and XXXX XXXX XXXX XXXX are engaging in questionable practices, and I believe that this raises serious questions about their business practices and their compliance with state and federal laws. 



I am requesting that the Consumer Financial Protection Bureau investigate Applied Business Services , Inc. 's debt collection practices and take appropriate action to ensure that they are operating in compliance with state and federal laws. Additionally, I request that the negative items be removed from my credit report immediately. 



Thank you for your attention to this matter. Please contact me if you require any further information or documentation. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

I have been disputing inaccuracies on my credit report with XXXX for over a year now. I know that they have not looked at my disputes and completed a thorough investigation because I've even sent letters highlighting reporting inaccuracies and they still failed to remove these accounts. They have had more than enough time to do their due diligence when it comes to these accounts. 

My first letter sent dates back to XX/XX/2021. Furthermore, I recently came across an article published by the CFPB that states that credit reporting agencies have inaccurately been tossing out consumer complaints. I just want my credit report fixed so I can move on with my life.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Dear CFPB, I am writing to file a complaint against Wells Fargo bank who violated the Electronic Fund Transfer Act ( EFTA ) for their failure to provide me with proper notice before closing my checking account and 15 U.S Code 1681s-2 They charged off my account and still contact me daily to pay the charged off amount. even calling almost XXXX at night!! Received call at XXXX to be exact!! Which is a HUGE VIOLATION OF CONSUMER LAW & MY RIGHTS!! 
On XX/XX/XXXX I received a letter from Wells Fargo through email stating that my account had been closed due to being overdrawn. However, I had not received any prior notice or warning that my account was in danger of being closed or charged of! No Alert no warning no attention or anything! Wells Fargo even has a inbox message center where theyd typically send important messages or notices- I DID NOT RECEIVE ANY Warning in that inbox either!! If I did I wouldve tried everything to prevent my account being closed where it be taking out a loan or borrowing from a friend. I was in such dismay I cried for almost a week because I was planning on purchasing my first home later this year & I know one of the requirements is having a bank account thats been open for a while but Wells Fargo CRUSHED that dream of mine! I had my bank account open with them since XXXX! -when I was still in high school!! Now Im less than 5years away from being XXXX old & they proved to me how cold they really are! 
I have been a customer of Wells Fargo for 7 years, I believe that the bank 's failure to provide me with proper notice before closing my account has caused me significant financial harm and emotional distress as a result of the account closure. They closed my checking account for owning {$670.00} which almost {$300.00} of that were OverDraft fees THEY ADDED!! I pleaded with them for weeks to re-open my checking account and they refused!! Its evil to Try to collect while u already charged of my account and refuse to compromise!
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Yamaha Motor Finance Corporation USA (GA)

My loan has switched from XXXX / Yamaha to Yamaha Finance. My payment was {$180.00} on my XXXX account. I also had sent my XXXX payment in to XXXX in XXXX. The statement shows that I am behind a month and that my payment is {$210.00} per month but does reflect the same interest rate. I have made multiple attempts to reach someone by phone and email but have not gotten through to anyone. My first attempt to contact them was on XX/XX/XXXX. I was on hold for 2 hours, the next day for 1.5 hours. I recieved a number on a facebook page to call XXXX. I did reach a person who took my info down and stated a superviser would contact me within 24 hours. Now that number only rings and no one answers. I sent an email the same day and only received an autoresponce that someone would contact me soon. This is a huge issue and multiple people have been affected.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom

It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal
action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern, This letter serves as a formal notice regarding the alleged debt referenced to account # XXXX .In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, I am exercising my right to request validation of the debt you claim I owe. I do not acknowledge any liability or indebtedness to your company, and until you can provide the necessary validation, I demand that any and all collection activities cease immediately.

I require that you provide me with the following information, within 30 days of receiving this letter : 1. Complete validation of the debt : Provide the original amount of the alleged debt, a detailed account of how the alleged debt was calculated, and a breakdown of any interest, fees, or other charges included. Also, provide evidence that I, [ Your Full Name ], am legally responsible for this debt.

2. Proof of ownership and transfer of the debt : Provide documents showing that Chase Bank legally owns or has been assigned this debt. Include the original signed contract or agreement that allegedly binds me to this obligation.

3. Name and address of the original creditor : If the original creditor is not Chase Bank, provide the full name and contact information of the original creditor, including any other details related to the transfer or sale of the debt to your organization.

4. Verification of your right to collect : Provide documentation establishing your legal right to collect this debt in my state, including any relevant licensing or registration information required for debt collection activities.

Until I receive the requested documentation, I will not respond to any additional communication attempts regarding this alleged debt. Moreover, you are hereby notified that any attempt to report this debt to any credit reporting agency without providing the requested validation will constitute a violation of federal law, specifically the FDCPA and the Fair Credit Reporting Act ( FCRA ), and will be met with swift legal action.

Failure to provide the requested information within the timeframe allotted will be taken as your agreement that the alleged debt is not valid, and I will consider the matter resolved and closed.

Please note that I am documenting all communications regarding this matter. You may respond to my request in writing to the address listed above. Any other form of communication will be considered harassment. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

On or before XX/XX/2017 I called FCO to settle a debt in the amount of {$2500.00} in exchange for them to delete this collection account from my credit file. The agency agreed to a pay for deletion. I paid a settlement amount of {$1200.00} but the creditor has never removed this collection from my file like promised. I was not aware that if they agreed to delete for payment that they have to uphold this agreement until now. This creditor breached the verbal agreement and they need to make good on their part of the agreement.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MD)

I wanted to consolidate ALL of my loans, I submitted an application on XX/XX/XXXX and it was processed by XXXX. However, XXXX closed and Aidvantage took over the loan consolidation, but now, on XX/XX/XXXX, ( after verbally telling me all my loans were consolidated ) they say they have no record of my loan consolidation and will not accept my email to verify that I submitted an application. I need all my loans to be consolidated in order to qualify for XXXX XXXX XXXX XXXX ( XXXX ) program. Please help. The deadline to consolidate was XXXX XXXX, but I was never informed that my loans were not consolidated. PLEASE HELP.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.