davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. 
Upon reviewing my credit report from XXXX XXXX, which lists my debts across the XXXX reporting agencies XXXX, XXXX, and XXXX. the following is the information on how they are presenting themselves on my credit report when in fact its not true {$1200.00} XXXX balance TRANSWORLD SYSTEMS Original creditor. 

Despite multiple attempts to dispute this information with the credit bureau and the creditor, the inaccurate reporting persists, negatively impacting my creditworthiness and financial standing. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report in accordance with 15 USC 1681.
Consumer complaint received 2024-12-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (GA)

I was owned three debts to these companies however I never even encountered with these companies before and now they demanding these significant amounts that I never opposed and I already tried to dispute those three debit collections and the results came back as accurate Which is not right because I had provided enough details so that the information that the collections are saying are incorrect.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have gotten a letter and email on XX/XX/2019 regarding a dispute i submitted to Equifax credit bureau regarding the information they have on my credit report that is not correct because of my ex boyfriend getting into my credit report file and using my social security number. He has my last name changed to his last name XXXX and i have never been a XXXX but Equifax makes me log in with that last name and his address being XXXX XXXX XXXX XXXX sc ive not lived there for 5 years now and i am unable to answer any of the security questions on my credit file history because i didn't open the accounts they are asking me to give answers for. 1 time i was able to log in but i had to call and stayed on the phone for 1 hour and a half trying to get them to figure out what the issue was. I cant even open a bank account because they can't verify my social anywhere because Equifax has my credit locked. I have on numerous occasions tried to resolve this. Ive emailed written sent my driver license photo copy with my birth certificate copy as well to verify i am who I say i am. But they have my entire life on hold and locked away and refuse to let me into my own life history of credit or be able to get any credit at all or simply open a bank account for gods sake i been using prepaid and its killing me in fees. I don't know why when I have tried fighting this problem for the last 4 years and they still wont change my info back to the correct info nor will they allow me to change it or be able to get in to fix it because they keep it locked down and keep me locked out. I need my credit report corrected and my credit file unlocked and my social security number released from their grips to be able to survive financially wirh a bank or credit union because right now I've no car no bank account no nothing all because of Equifax locking my life down because of a con artist XXXX XXXX XXXX. Please help me i need to have my credit report unlocked wiped or something rhey are rhe only credit bureau i struggle with and by golly they are the only ones people use for everything so go figure. Calling doesnt work writing doesnt work online disputes dont work and emails dont work how else can i gain back my social security number unless they release it or something
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Conns Appliances Inc bal. {$2000.00}
Consumer complaint received 2024-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (MI)

Lochart, Morris and Montgomery inc claimed to have notified me of a collection at an address that wasn't listed on my credit report. Lochart, Morris and Montgomery inc failed to notify myself of any debt to be paid. Lochart, Morris and Montgomery inc also stated that they notified me on the XXXX day of XX/XX/year>2024 and then stated over the phone that they didn't send anything regarding my debt until XX/XX/XXXX of 2024.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I filed a dispute on XX/XX/year> ; Wells Fargo denied my claim with little to no investigation done considering the short time period and the amount of transactions. They never asked for further documentation or proof. I would like to appeal this dispute as well as receive the supporting documentation for their supposed investigation.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NV)

This is a formal complaint and dispute regarding an unauthorized credit inquiry on my credit report, which appears to be in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). This section strictly limits access to consumer credit reports to specific permissible purposes, none of which apply in this case. The inquiry in question is as follows : Company Name : CBNA Date of Inquiry : XXXX Credit Reporting Agency : XXXX I did not authorize this inquiry, nor did I have any existing relationship or transaction that would justify the accessing of my credit report by this entity. My rights as outlined under Section 1681b have therefore been violated, and I am requesting immediate corrective action
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

I woke up on XXXX XXXX  and looked in my wallet to realize my Wells Fargo card was missing I do not know when I lost it because I dont physically use my debit card so I have no idea who stole it or when they did it is not lost because I checked every where someone would of had to steal it because I dont take out my wallet and I dont live with anyone or are around any people unless in public. So I logged in and checked my account and saw that {$410.00} was missing from my account in XXXX XXXX deposits linked to a XXXX XXXX  named XXXX so someone trying to impersonate me because once again I have never had an XXXX XXXX  and still dont till this day and never will I would have typed my full name. And I do not own XXXX XXXX I have XXXX XXXX. So I immediately knew they were fraudulent because and reported them and called Wells Fargo. On the phone the lady ordered me a new card and told me there would be an investigation on my account for a fraud claim and would notify me in in XXXX business days with a decision. Fast forward 14 days later I check to see whats taking so long because they said they would notify me. I checked on my fraud through the app wich they did not tell me on the phone and saw that my claim was closed the same day. That makes no sense because the banks are closed on weekends and holidays and it was XXXX  so my claim was probably closed by the person on the phone and she did not tell me or notify me at all I was waiting 14 days for a response so much time wasted. I couldnt feed my self put gas in my car or get to work because I had no money and Wells Fargo did nothing to help so I am now today reporting this incident because I do not know what else to do that was all my money. And also it says dispute reason is that I didnt remember making this transaction I never said that on the phone I told her specifically I did not make this transactionshe typed I did not remember making this transaction or that my card was lost or stolen she took no effort on my claim and just pushed it to the side. The claim number is # XXXX
Consumer complaint received 2019-06-26
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: JPMORGAN CHASE & CO. (NM)

on XXXX my cc was billed for 2 separate transactions with XXXX. one for XXXX and another for XXXX we notified XX/XX/XXXX to not charge my card as my employer would be paying for this joint advertising. it was to late XX/XX/XXXX charged my card. my company sent a ck for the XXXX account to our XXXX XXXX partner for our half of the advertisement. XXXX then sent a ck for the full amount to XXXX, their half and they had our half from receipt of our ck sent to them. since my cc was already charged i called chase XXXX XX/XX/XXXX to reverse the charges. they reversed the XXXX but they did not reverse the XXXX and i cant understand why as they have not communicated that to me. i need this XXXX reversed. thanks.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (LA)

Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, XXXX Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Complaint Against XXXX for Failing to Provide XXXX XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX XXXX for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account.

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt.

Actions Requested : 1. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX XXXX XXXX the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX XXXX XXXX of this account as active or delinquent despite the alleged charge-off. 


I respectfully request that the CFPB intervene to ensure that XXXX XXXX XXXX federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required. 

Thank you for your time and assistance in resolving this matter.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Special Financing Company, LLC (MD)

I notice unauthorized hard inquiries on my credit report that i did not intiate or consent to. These inquiries were made by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And I have no existing relationship with these companies. Did not apply for credit, authorize these inquiries, or provide my permission for them. Have contacted the credit reporting agency and the companies responsible for the inquiries but have not received a resolution. These unauthorized inquiries are negativity impacting my credit score, and I am requesting assistance in removing them.
Consumer complaint received 2024-11-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (TX)

On XX/XX/year> I received a gift card from my colleagues at work for the Google PXXXXay store. 

I activated the card on my Google account and attempted to make an in-app purchase with the funds on the same day.

The play store app refused to complete the transaction. I opened a support ticket which prompted me to fill out a form. The response from google was that there were " inconsistencies '' with my account causing the gift card to not work. To quote from the email " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information that you provided to us. As a result, we are unable to help you redeem these gift cards. '' The request was closed at that time. Original request number XXXX. 

I opened another request, which is still open, however, they have indicated that they will not allow the funds through still.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I certify I am telling the truth and only the truth and I did have this conversation and I was told what I state below. : Before opening the accounts I contacted Wells Fargo customer service. ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. On XX/XX/year>, at XXXX PST I spoke to XXXX XXXX XXXX a XXXX at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX tel. ( XXXX ) XXXX She stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I certify I am telling the truth and only the truth and I did have this conversation and I was told what I state below. : Before opening the accounts I contacted Wells Fargo customer service. ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. To properly interpret the clause : You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX  months. On XX/XX/year> at XXXX XXXX  I spoke to XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX tel. ( XXXX ) XXXX She stated - clearly and unambiguously that it means the XXXX  months period begins from the date of the previous account opening.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

My name is XXXX XXXX. I am the owner of The XXXX XXXX. I am filling a formal complaint against TRUIST BANK. This will be on record and if not resolved I will be filing a class action lawsuit against the company. For the record, I did file a formal complaint today with a supervisor over the phone at TRUIST BANK as she said she would not be able to transfer me to anyone else higher than her. I contacted ( XXXX ) XXXX on today XX/XX/year> at XXXX approximately 42 minutes on the recorded line. 

To elaborate on my situation. I viewed my business account and had money in my account in the amount of XXXX cent. I spent XXXX cent at my local XXXX. However, the company is saying the did not see that XXXX cents on their end. I am not sure why because, I viewed the amount in my mobile banking app. Upon doing my own investigation. I noticed that XXXX updated my transaction which I am unaware of that through my business account off XXXX cent. This put me in an overdraft in the amount of XXXX cent. I then received a notification from my bank telling me that I was charged a overdraft fee in the amount of {$36.00} dollars. I called immediately and told the representative that this is a misunderstanding, the money was in my account. Also, I never signed anything regarding overdraft protection nor any overdraft fees. The rep then stated that I did not have to acknowledge anything, as this is automatically done if you over drawl any amount. I stated that that information was not disclosed to me when opening my account. Also, if I would have know that, I would have never used the card for XXXX cents. Furthermore, I was unaware of me over drafting, because my mobile banking app said the money was there. If the money was not there, then TRUIST BANK should have never authorized that payment, because I do not have overdraft protection. 

I was charged {$36.00} dollars because my account went over XXXX cents. That is extremely ridiculous. I am telling TRUIST BANK to refund my account in the amount of {$36.00} dollars. I will put two cents in my account to cover the transaction. If this matter goes unresolved, I will be filling an investigation on the company and a lawsuit for other consumers along with myself. Just imagine how much money TRUIST BANK is embezzling over unnecessary fees. I will not stand to get robbed by this bank. 

If this matter is not resolved in 30 days, I will no longer be doing business with them and will be taking the next steps in legal action. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (GA)

Subject : Notice of Intent to Sue Dear Credit Control , LLC, This letter serves as a formal notice of my intent to file a lawsuit against your company for violations of federal consumer protection laws. Specifically, Credit Control , LLC has violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Uniform Commercial Code ( UCC ) 9-208, by failing to validate the alleged debt after two written requests within the timeframe mandated by law.

Violations Cited 1. Failure to Validate Debt ( 15 U.S.C. 1692g ) : Your company failed to provide the required validation of the alleged debt after I submitted two timely requests and issued a cease and desist order to your company. Instead, you demanded additional personal information to verify my identity, despite having already addressed your correspondence to me. This places the burden of proof improperly on me, contrary to the FDCPAs requirements.

2. Improper Collection Practices ( UCC 9-208 ) : There exists no privity of contract between me and Credit Control , LLC . By attempting to collect without validation or lawful contractual grounds, your actions are non-compliant with the governing laws. In addition, this is a stall tactic for Credit Control , LLC to continue deceptive business practices and collusion to commit tax fraud with the original creditor. Charge off accounts over {$600.00} are considered income according to the IRS.
The original creditor has not issued a 1099C to me.

Damages Pursued Under 15 U.S.C. XXXX, I will pursue the following damages : Statutory damages, as provided under the FDCPA. 
Actual damages, for the stress, emotional distress, and time incurred due to your unlawful actions. 
Additional damages in the amount of {$50000.00} to compensate for the harm caused by your ongoing noncompliance and disregard of consumer protection laws.

Resolution Sought To avoid litigation, I demand the following within 14 days of receipt of this letter : 1. Immediate cessation of all collection activities concerning this alleged debt.

2. Proper validation of the alleged debt, as mandated by 15 U.S.C. 1692g.

3. A written acknowledgment that no further action will be taken if the alleged debt can not be validated.

Nothing stated in Credit Control, LLCs responses to my CFPB complaints is accurate or valid. If I do not receive a satisfactory response within 14 days, I will proceed with filing a lawsuit against Credit Control , LLC in a court of competent jurisdiction, seeking the full {$50000.00} in damages, in addition to court costs and attorneys fees.