davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I found that my information was for sale on the dark web, I had a police report because there was fraudulent activity on my account. I contacted Wells Fargo and the agent placed the hard hold on the account. I spoke with the customer service representative from the Executive Office, they inform me that the hard hold was present on the account and that it would stop all incoming and outgoing transactions. 

Those representatives lied because Wells Fargo just approved multiple transactions that were fraudulent and not authorized by me My checking account is now completely negative because of the fraudulent activity. I am upset because I contacted Wells Fargo letting them know that our checking account number was compromised however they refused to close out my account. 

I told them that My information was compromised and I wanted to close my account however they did not close out my account. 

Wells Fargo left it open and now there is fraudulent activity being posted on my account
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (MD)

I 've received telephone calls from " XXXX '', who works for XXXX XXXX XXXX in XXXX, Virginia. Supposedly, I " owe '' a medical debt to XXXX XXXX for approximately {$48.00}. The Department of Veterans affairs authorized non-VA care at XXXX XXXX. The VA has a policy that any " authorized non-VA health care services is considered payment in full. The provider may not bill you or your health carrier for any services that were authorized and paid by VA. '' When I explained this to " XXXX '', he rudely told me to let him finish talking, and he stated that until I faxed him that VA statement, he would continue to collect the debt. I stated that it was illegal for him to do so per the health insurance policy. Previously I had given the debt collection company the addresses of the Department of Veterans Affairs. I question whether the company is in fact legitimate. I have received XXXX different telephone calls from XXXX different telephone numbers. XXXX of the telephone numbers was overseas. Each time, the person on the telephone had a XXXX XXXX XXXX and used XXXX names. I was asked to give my mailing address and my date of birth to " XXXX ''. I worry about identity theft issues, so I hope I did n't accidentally give the wrong person my personal information.
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: Resurgent Capital Services L.P. (FL)

I am a victim of identity theft. I sent XXXX certified mail explaining this and the fraudulent accounts that they are reporting are hurting my credit worthiness. they claim to have verified it with not contracts or agreements provided. What exactly are they verifying and where is the documentation showing my legal obligation to these fraudulent accounts. I have also contacted and reported them the the FTC.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AR)

I was recently looking over my consumer credit report and see LVNV Funding LLC, with a partial or incorrect account number # XXXX, listed as " DEBT BUYER '' I have never had an account with this company nor have I ever agreed to, signed any contract with this company nor have I had any kind of business with this company for me to have any " past due '' debt, amount or fees with this company, nor for them to have access to my personal information that I never gave consent for them to have. This company needs to verify, validate submit an original contract that provide an original purchase or contract agreement that has my wet signature, I do not consent to any electronic signature. After giving them my first and last name and telephone number, and requesting this account be properly verified, they proceeded to tell me you are XXXX correct, this is is not properly verifying this account that is being reported on my consumer report. And this is being reported inaccurately and unfairly on my consumer profile it is a violation of my consumer rights under the FAIR CREDIT ACT that I have the right to my credit file being reported fairly and accurately, also having the right to privacy in accordance with the ( FCRA ) Under 15 USC 1681, I have the right to privacy. They proceeded to request other personal information from me over the phone. Being they are listed on my credit profile as " buyer of debt ''? I feel this is or was an attempt to commit fraud by this company being they could not verify who they were to me and stated that this was an attempt to collect an unverified debt. Under 15 USC 6802 I was not notified by this alleged company listed nor made aware in any way that this account would be reported to the Credit Bureaus nor was I given any opportunity to OPT out of said account being reported on my consumer report. I have no recollection of such account. Being that they refused to verify this account with me ( this is breaking the law ) under The Fair Reporting Credit Act ( FRCT ) Also under 15 USC 1681b, specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports as defined by the ( FCRA ) which means, the credit agencies must have written instruction by me " the consumer '' that I am allowing you or your company put this on my consumer report. I've never sent any letter of consent to any of these agencies, if so they need to verify such letter otherwise please remove this account from my consumer report immediately. And lastly, 15 USC 1666b states, that a creditor may not treat payment on a credit card account under an open end consumer credit plan as late, ( past due ) for any purpose
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TN)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received XXXX payments to fund my account and the bank decided to close my account since they can not verify the phone numbers I provided from the senders. I called many times and after one day talking about this issue, they decided to close my account. The very next day, they sent me an email saying : " Weve completed an initial review of one or more of your accounts. Based on our current information, weve determined that the unusual activity we found is inconsistent with our expectations for account usage.

Well begin a final review of this decision, and depending on the outcome of this review, your account ( s ) may be closed.

If your account is closed, any remaining balance owed to youplus all interest earnedwill be transferred to your externally linked checking account, or a check will be mailed to your address on file.

If you have any questions, give us a call at XXXX. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX ET and on Saturday from XXXX XXXX XXXX XXXX XXXXXXXX ET. 

Well send you confirmation of the results of our investigation.

Capital One '' Since that day, I haven't heard from them and am still waiting for them to send the money, but I feel they are just making everything slow to keep the money as long as possible.

I want to add that I also contacted them again two weeks after the decision and they are still unable to provide me with a date of when they can send me the money.
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 report. 

I have made previous attempts to fix this issues directly with them and They are violating my rights. I'm entitled to {$1000.00} for every violation I listed, they either pay me or DELETE these accounts ASAP.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (LA)

I rented from appliancewhse.com for a few years. When my family XXXX XXXX XXXX XXXX from XXXX XXXX I had the company pick up washer and dryer XX/XX/year>. I was suppose to get my delivery of appliances to my new home XX/XX/XXXX in which I never did receive. I called and they said driver had issues coming on post. Then they proceed to rescheduling me XX/XX/XXXX. Once again never came I called and they never were able to get in contact with driver. I cancel my order and after a month or so they sent me a bill in the mail I called and they told me I had a washer and dryer with them but I didn't. I told them I purchased my appliances in XXXX. I even told them I purchased it and wanted answers to why I am getting charged for something I don't have. They never gave me an honest answer just the round about. I then got a phone call telling me the warehouse made an mistake and marked it that it was delivered when in fact it wasn't and they were going to delete the amount. Now I got a debt collection for the amount.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (TX)

I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX Woman Owned XXXX XXXX  and your urgent assistance to survive. Thanks
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (MA)

I was in the process of buying home. On XXXX XXXX received the wire instruction from fake Email. unfortunately XXXX $ wired the money from XXXX Bank. In the XXXX XXXX system recognized the routing number, account number and Bank address. after XXXX mins when I found out it was fraud called them and went there asked them to stop it but they said it went out of their system. They recalled the wire which I need to wait for 3 days. 

Although the XXXX XXXX called the city bank wire department, and I call the bank as well, no one was able to help and trace the wire transaction at Citi bank. 

I went to the destination bank which is CitiBank, NA. They said they can't help me because I am not their customer and the account number and routing number is not belong to them!! 
It is question that It means there is fake bank in the financial system that collect the people 's money?! 
Several times went and called to fraud department of Citi banks but they said they can't help more because is not in their system or I am not their customer. 
It seems destination bank doesn't have information and can't help. Where is the money? How this possible? This CitiBank NA. doesn't have any legit phone or address! Can they proof the account opened with real/legit documents not fake? They investigation proved the opposite and there is possibility to be Bank 's employee! Can banks open account and fraud the money? why they don't respond or return the money when the XXXX XXXX  requested? This is crime
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC XX/XX/year> {$1200.00} LVNV Funding LLC XX/XX/year> {$850.00} LVNV Funding LLC XX/XX/year> {$880.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} I have never heard of these companies and have not taken out any loans this year. They are stating that they are open account when I have not heard of them or taken out any loans with them.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC. (AZ)

My son took out a new car lease and. needed me to help do video for him to get approved for his car loan so I did the video but I do n't drive I don't have license the letter says XX/XX/year> it says I owe XXXX
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (GA)

I noticed fraudulent charges on this card over the weekend of XX/XX/XXXX and XXXX. I live in XXXX, Georgia, and these charges are from XXXX, TX. I have attempted multiple times to contact the company on the weekend and today. The holds have lasted up to 3 hours and I have still not been able to get through to the company. THEY DO NOT ANSWER THE PHONE. there is no way to freeze the card on their website ; there is no option to email them. I do not believe that they have any customer service people or care about the service my state pays them to provide. This card is used by the Georgia Department of Labor. This is outrageous. There are over {$200.00} worth of charges out of my account.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Freedom Unlimited card online and was initially rejected due to " identity theft '' concerns, with Chase suspecting I hadnt made the application. After contacting Chase, I was instructed to visit a local branch, where my identity was verified through my passport and social security card. The branch banker called Chase to confirm this, and I was later asked to upload documents verifying my birth date and address, which I did. Shortly after, I was rejected again for the same reason : " identity theft. '' I called Chase again and was told, once more, to visit the branch. I complied, and this time the banker scanned and uploaded my passport into Chase 's system. I was assured that this would resolve the issue. Yet, just four days later, I was rejected a third time, again for " identity theft. '' This repeated cycle of rejection, despite my full compliance with all of Chase 's requests, is both absurd and deeply frustrating. How many times must I verify my identity before Chase stops hiding behind this baseless " identity theft '' excuse? Its clear that Chase is wasting my time and showing a complete lack of regard for its customers. This goes beyond poor customer serviceit 's an unreasonable and insulting failure in your process. I expect this matter to be resolved 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Dear to Whom this may concern, I am writing to formally dispute the balance associated with the vehicle purchased from XXXX XXXX XXXX in XXXX, which has resulted in significant distress for my family. 

From the moment we purchased the vehicle, we encountered numerous issues. After reaching out to the owner, we were assured it was a minor fix. The vehicle was kept for over a month, only to be returned in worse conditionwith a cracked windshield and additional problems. Following this, the owner ceased communication and subsequently closed the business, leaving us with a malfunctioning vehicle and ongoing payments. 

In XX/XX/XXXX, we voluntarily surrendered the vehicle, which had been our only means of transportation. Unfortunately, we are now facing reports of late payments on our credit, which is severely impacting our financial stability and our ability to purchase a home. 

We trusted XXXX XXXX XXXX as a small business and believed we were acquiring a reliable vehicle. Instead, we have faced a nightmare scenario that has caused considerable emotional and financial strain on our family. The vehicle issues were never resolved satisfactorily, and we do not believe we should be held responsible for the remaining balance, especially since the dealership has permanently closed and the owner has vanished. 

We request that you review this situation and consider removing the reported balance from our credit history. We hope to resolve this matter promptly so that our family can move forward without this burden. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely, XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has consistently lied and made false statements regarding a claim I filed to dispute unauthorized transactions on my account. I was told every reason under the book for why they could not recover my funds EVEN WHEN I was able to obtain copies directly from the company that was using the third party vendor showing complete transactions, pending transactions & cancelled transactions. Funny that all the " pending '' transactions were the charges I am disputing?? They claim I never contacted them YET they show that I had the fees reversed?! Well wells Fargo lord knows you didn't reverse them on your own in a act of good will?! Obviously I contacted you on each case to inquire into WHY my debit account was negative. EXPLAIN then what causes you to reverse the overdraft fees on my account? did a stranger contact you to ask for them to be reversed? you claim I never called, Clearly NOT TRUE. which agents reversed the overdraft fees and you'll find my calls into the matter! your statements contradict themselves just like the first 5 reasons given to me why you could not recover my funds. This is illegal!! I am protected against unauthorized transactions and yet you deny everything without a fair reason. your escalated agent even told me that he could not verify how many pages were received even though a previous rep said that they received them but the fax came through illegible.. you can't make this stuff up ... my mother past away a few months after I started my pursuit for this and I told you then as I am now I will not stop even if that means hiring an attorney!!