davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX  XXXX- Reported : XX/XX/2020 - {$8900.00} Closed To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This debt is on my credit report with XXXX XXXX for {$130.00}. This was taken care of over the phone because the branch was never open at the time in my area as of yet. When I called and said I would love to become a member when the gym opens the rep took care of it on the phone. I have no idea why it says I owe {$130.00}. This is reporting false information which shouldnt be on my credit report. I have called and tried to handle but they dont even have a record of this information. Please remove because of inaccuracies.
Consumer complaint received 2024-10-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (NY)

In XXXX of 2024 BRIDGECREST was paid twice, with both payments being processed and applied to the past due balance. The notice from XXXX end month stated the past due balance was {$960.00}. 

They were then paid {$470.00} and the payment is cleared at my bank. 

They were paid a second payment of {$450.00}, also cleared at my bank. 

The past due amount in the XXXX month end notice as of today regardless of CFPB letter sent has increased, no payment deduction made. 

There have also been harassment calls.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

Between XX/XX/XXXX and XX/XX/XXXX, someone fraudulently tried to open accounts at 4 different financial institutions using my stolen identity. I found out about this when one of the institutions, XXXX XXXX XXXX XXXX, sent me a notice of adverse action dated XX/XX/XXXX. I froze my credit with all 3 bureaus as well as with ChexSystems and requested my reports from each bureau. My ChexSystems report showed the XXXX XXXX XXXX XXXX XXXX as well as 3 others from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I contacted all 4 financial institutions to report the attempts to open accounts in my name as fraudulent. All 4 assured me no account had been opened. 

I submitted a police report with my local law enforcement agency, the XXXX Police Department ( XXXX ), on XXXX. XXXX has a self-submission tool for these reports, after which a copy of the case report is sent to the submitter. I have included a copy of the report as an attachment to this complaint. 

I then disputed the 4 inquiries with ChexSystems on XX/XX/XXXX, as they are the result of fraudulent activity related to identity theft. I uploaded a copy of the police report as part of that dispute. 

ChexSystems sent me a communication on XX/XX/XXXX stating that my police report would not be considered a valid document because it was not signed by a law enforcement officer. Note that my local law enforcement agency, XXXX, does not sign these self-submitted reports. 

ChexSystems sent me another communication on XX/XX/XXXX stating that they had completed the investigation of the inquiry with XXXX XXXX XXXX XXXX XXXX XXXX, and had not removed that inquiry from my report. They noted that " In order for ChexSystems to pursue a claim of identity theft, in accordance with the FCRA, please provide the following documentation that clearly supports your claim of identity theft or fraud related to the disputed information : an identity theft report signed by a law enforcement officer, or a police report filed with a law enforcement agency ''. I had provided a police report filed with a law enforcement agency - that's what they rejected in the XX/XX/XXXX communication. Note that there is no mention of the latter requiring a signature.
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: CREDIT ACCEPTANCE CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CREDITACPT XX/XX/XXXX AND XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-10-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company (AR)

I received a pre-approval letter, found a home to purchase, signed a contract to purchase the home, paid appraisal fees, received home loan payment amount, and got a call stating, " underwriting did not approve the loan based on 1099 negative income. '' This should have been verified before the pre-approval letter. Tried several times contracting the mortgage company for a written letter, but no response. No ones from Freedom Mortgage Company will return my call. Never received a refund for my appraisal fees. 
XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CapitalOne is aiding PII data of XXXX to be stolen by using unsecure ways to request SSN card information. 
I have joint XXXX account with my daughter. She received an email on XX/XX/year> ( file attached ), to upload SSN through embedded email link otherwise the account will be closed. Branch office at XXXX XXXX XXXX XXXX, XXXX, VA XXXX told me that email was valid, and provided no option to upload SSN through online portal or in branch. My daughter did not upload the documents through these unsecure channel for fear or data getting stolen. 
CapitalBank closed the account on XXXX but sent email on XXXX that all my daughters account were closed. 
I got an email from CapitalOne my XXXX account was closed. 
Neither me of my daughter received any information in email on when to expect the closing balance, and how the money will be sent. We need it for emergency. 
I went to the XXXXXXXX XXXX XXXX, and pleaded the money be sent through secure XXXX  or tracked USPS mail. The branch manager refused. 
CapitalOne tried to scam my daughter to upload the SSN Card, so it could get stolen. 
All I am asking is for CapitalOne to send the amount securely through XXXX, so I can get my money back. 
As of now I do not know when I will get the money. 
This is plain harrassment. 
I was told at the branch office if it is stolen then they will investigate, which takes sometime, and will reissue it after 90days, that is a whole 4months from now. 
CapitalOne has caused a lot of stress for us by withholding information, witholding our money, refusing to send it to us through tracked mail.
Consumer complaint received 2020-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I own a XXXXXXXXProperty ID : XXXX XXXX XXXX XXXX XXXX XXXX   TX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX   XXXX XXXX XXXXThis land was gifted to me in XXXX, I bought a double wide mobile from XXXX XXXX and in XXXX, I requested a loan from Wells Fargo Financial and they made the loan knowing that my property had my mobile at XXXX XXXX and a mobile at XXXX XXXX XXXX and a mobile at XXXX XXXX XXXX. Wells Fargo has my mobile changed from personal property and converted to Real Property so they could tie the land and property to the new loan. Wells Fargo is charging me a 9.66 percentage rate and I have tried to get them to modify this loan, but they refused. I have tried several banks and local mortgage lending companies to see if they will refinance this loan and they all tell me, that since there are 3 mobiles on this XXXX they are not legally able under federal mortgage rules to make me a loan. My complaint is why and how was Wells Fargo legally able to make me this loan when no other lending company can? So now I have no options available to get relief from this very high interest loan.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (NJ)

Dear Chime Customer Support Team, I am writing to formally dispute inaccurate information that Chime has reported on my credit report. The information does not accurately reflect my account history, and I am requesting that it be investigated and corrected as soon as possible. 

The inaccurate information is as follows : Specific Inaccuracy : I only have a credit balance of {$140.00}. The reports show hundreds and sometimes even in the thousands Date ( s ) of Issue ( s ) : Latest balance reported on XX/XX/year> Balance of {$910.00}. 

To support my claim, I have attached a copy of the following document that verify my accounts correct status : XXXX XXXX balance. 
Please update my account information with the credit bureaus to reflect accurate details. Additionally, please send me written confirmation of the completed correction and notify the credit bureaus of these changes. 
I trust that you will investigate this matter in a timely and accurate manner under the Fair Credit Reporting Act ( FCRA ). Should you require further information, please contact me at the number or email listed above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely
Consumer complaint received 2023-02-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX BANK OF AMERICA CHARGED ME XXXX from XXXX. I wasnt aware this account was mine or even open because I had a Business account effective XX/XX/XXXX. XXXX provided the bank with information that it was a recurring charge therefore Bank of America allowed the charge to go through despite the fact the credit card had been closed do to fraud charges on the account. I didnt notice the charge in XXXX or in XXXX quite frankly because my son died on XX/XX/XXXX and I failed to review charges and just paid credit card. always in full and on time. When I first noticed the charge I called XXXX and was told they did not have that charge on my account and to contact the bank. because they were looking at my business account. The only account I was aware of and they were aware of. So, BOA reversed the credit. I called and attempted to explain the whole situation, however they were not goin to budge unless I could show proof of cancellation. Today I was finally able to get into this account and it was under an alias email account that I never had access to and did not know it existed. The account showed the emails were never opened and there was no computer of mine that was using the account. Once again I called XXXX and they closed the account. They told me to contact the bank to pursue a credit because 30 days had passed. I tried to explain everything to BOA and once again they would not listen to my explanation. I have emails from XXXX proving everything I am saying is truthful. I did not ask for a credit on the prior 2 years I was charged for the account that I was unaware I was being charged for. I take responsibility for not verifying the charges on my bill regardless of life circumstances. Thank you.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NV)

XXXX XXXX Consumer # XXXX Date of birth XX/XX/XXXXXXXX SSN XXXX Id type driver license Id # XXXX My address XXXX XXXX XXXX XXXX XXXX nv XXXX I am writing to request an investigation of the following information that appears on my early warning system consumer report I have never opened or used the following accounts XXXX XXXX XXXX  Account # XXXX Routing # XXXX Date opened XX/XX/XXXX XXXX Account # XXXX Routing # XXXX Open date XX/XX/XXXX XXXX XXXX  Account # XXXX Routing # XXXX Open date XX/XX/XXXX I don't recognize the following accounts in question.Im a victim of identity theft and I don't recognize these accounts on my report.Im requesting the following information be deleted from my early warning consumer report immediately I've attached a copy of the report to this request
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXXXXXX  I overpaid my bank of america credit card {$20000.00}. I meant to apply to my home loan and not my credit card. I have called them over 20 times and they tell me the checks in the mail, transferred to another account or on hold. They refuse to provide contact info other than customer service general number, they refuse to send me any records but tell me it's in process. I need help and they can not provide any details other than wait 3 days, it will be there next week, now they are saying it will take an additional 30 days.
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (WI)

I have not received all the required information for this in the initial email communications from True Accord. They have sent me text messages after XXXX every night. The email is limited on information provided and wants me to click a link that could be a virus. It says in the email that there was an initial communication but I have nothing in my emails about a prior contact with this company. Just this ( see screenshot )
Consumer complaint received 2024-10-26
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: Resurgent Capital Services L.P. (PA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer reports.

I have made attempts to fix these issues directly with the agency and They are violating my rights still and I'm entitled to {$1000.00} for every violation I listed, they either pay me or DELETE these accounts ASAP.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I contacted the company and requested that they provide me with a copy of the debt that they claim i owe and the responded with a letter stating that they verified the debt??!! How is that possible? What are they measuring this against?
Consumer complaint received 2024-10-26
Product: Credit 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. (CA)

I purchased diamond earrings from XXXX XXXX XXXX XXXX in XXXX XXXX, CA for {$14000.00} which included sending out to the GIA for certification. I paid for the earrings with my Chase XXXX credit card. I never received the earrings and the merchant kept my money. I disputed the purchase with Chase multiple times but they wont reverse the charges. Ive been paying my credit card with interest for almost XXXX  months and I have no earrings. I filed in small claims court of XXXX XXXX and won an Uncontested Judgment on XX/XX/year>.
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems XXXX XXXX. 

Re : Cease and Desist - Incorrect Debt Dear Transworld Systems, I am writing to dispute and demand immediate cessation of collection activities regarding the alleged debt referenced above. This debt does not belong to me, and I request that you : XXXX. Immediately stop all collection efforts. 
XXXX. Remove this debt from my credit report. 
XXXX. Confirm in writing that this debt is cancelled. 


This is not my account and has been confirmed multiple times Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX et seq., you are prohibited from : - Collecting or attempting to collect a debt that is not valid ( XXXX ). 
- Failing to provide verification of the debt ( XXXX ). 
- Continuing collection efforts after receiving a dispute ( XXXX ). 

Consequences of Non-Compliance : Failure to comply with this Cease and Desist demand may result in : - Filing a complaint with the Federal Trade Commission ( FTC ). 
- Pursuing damages under the FDCPA. 
- Reporting inaccurate information to credit bureaus. 

Please confirm receipt of this letter and notify me of any further actions. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (CA)

i got a letter from unifin that i owe XXXX and i do not owe any company any money. 

im gon na also dispute this account by mail and by email and im filing cfpb report. 

you cant put a collection on my credit report that i do not owe i already have a ftc report and police report and ill dispute it with XXXX  and XXXX and XXXX  if you try to be sneaky i might even file a small claims in court easy money per fcra laws XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-01
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. (PA)

This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. Thank you.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

Never opened and account with the Original Creditor, yet trying to collect from me. Original letter sent XXXX for debt not personally applied for. Request information with signature/email of applied debt. Never received original requested items to sent and repeatedly sent new Collection letters XXXX, XXXX, XXXX. Received texts and voicemails and emails for debt not applied for. Also feel it's a possible XXXX violation.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am filing a complaint for requesting unnecessary documentation to validate a debt. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable