davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

XXXX XXXX XXXX XXXX Early Warning Services [ Address ] XXXX, AZ Re : Dispute Case ID : XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX. 
XXXX # : XXXX Account XXXX XXXX XXXXXXXX Dear Consumer Services, I am writing to formally dispute your recent findings regarding Dispute Case ID : XXXX. While I appreciate your prompt response, I must express my serious concerns regarding the assertion that the information in your file is accurate and complete. 

It has come to my attention that XXXX XXXX has provided information about me to Early Warning Consumer Services without my explicit consent. This action constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. Additionally, the reporting of multiple accounts without my knowledge is unacceptable. 

Due to these privacy violations and the inaccurate nature of the information being reported, I hereby request the immediate removal of all accounts associated with my name from your records. The reporting of this information is damaging to my creditworthiness and is not in compliance with the FCRA. 

In light of these concerns, I also request a detailed explanation of the methods used to verify the accuracy of the reported information and the rationale behind your reporting practices. 

As indicated in your correspondence, I am entitled to submit a rebuttal statement. Therefore, I ask that you include this letter as part of my rebuttal in your records. Additionally, I request a copy of any updated report to be sent to any parties that received my file within the past two years for employment purposes or within the past six months for other purposes. 

Lastly, I would like a copy of your reinvestigation procedures, including the contact information for any furnishers of information relevant to my dispute. 

Thank you for your prompt attention to this matter. I look forward to your thorough review and response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

These matters involves credit cards companies. I was involved in a credit breach. My personal information was exposed online, and has affected my report. The names of the companies on my credit report are XXXX XXXX amount for XXXX. This company has sold my information to another company regarding this account, and I did not give them permission to do so. The law 15USC1681 states that I have the right to privacy. The same situation occurred with Ashley Furniture in the amount of XXXX, ComenityCb Lending in the amount of XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, American Express- XXXX. Im requesting that all late payments, and negative comments be removed from these accounts.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC (DC)

In accordance to 15 USC 1692d a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of debt. In this case I am asking that you'll stop sending me emails or you'll will be fine for each violations according to 15 USC 1640 for damages that was done.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : WFDS/WDS XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

Since XXXX, XXXX, I have been getting twice weekly emails from " XXXX '' at Resurgent Capital Services L.P. stating that I owe {$750.00} to original creditor XXXX XXXX XXXX. and current owner LVNV Funding LLC. This is not my debt. I called XXXX XXXX and talked with their fraud department. They have never had an account under my name or social security number. I have checked all of my XXXX credit reports and there is no loan with XXXXXXXX XXXX 

I have not contacted this company using the phone number in the email ( which is not always the same number ) because I suspect this is a fraudulent use of Resurgent Capital Services. I realize that I can stop the emails but that won't solve the issue if there has been some kind of identity theft and this debt is associated with my social security number. Any help in helping me address this situation would be appreciated.
Consumer complaint received 2024-09-30
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. (CA)

Navient was my loan provider. They misinformed me on all options of paying back. They encouraged me to do deferments and forbearance year after year. They caused me to be in debt and messed up my credit as interest piled up. I was charged late fees and mis informed. I couldnt get a home because of this.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On Saturday, XX/XX/XXXX I went to the XXXX XXXX Wells Fargo branch to deposit {$2000.00} in cash. The line was out the door so I used the in-branch ATM. I ended making about XXXX deposits since the ATM only takes bundles of XXXX. By the time I was on deposit number XXXX, the branch manager closed the branch door since it was XXXX and they closed at XXXX on XXXX. I took out an envelope that had {$250.00} inside to deposit last. By the time I finished the last deposit of {$2000.00}, I forgot about the {$250.00} and left the branch. The manager had to open the door for me because the branch was closed. Once I got home, I ran the books for the deposit and noticed that I was missing the {$250.00} and realized that I left it at the branch. I called customer service for Wells and was told to call back on Monday to speak with the manager or to go in-person on Monday since the branch was closed. On Monday, XX/XX/XXXX, at XXXX I called the customer service line and was told that managers don't answer the phone before the branch opens. They called twice and no one answered. I waited until XXXX and was the first person in the branch. I went to the teller line and asked to speak with the same manager that was there on Saturday. I let him know the situation and he asked his employees if anyone had turned in the {$250.00}. I asked if he could look at the cameras, since the branch was closed, whoever took the money was already inside the branch. They also would have went up to the teller line, so it would not be difficult to pull up their account and retrieve the {$250.00}. The manager told me that managers do not have access to the cameras. I worked at XXXX XXXX  as a teller and know for a fact that managers do have access to cameras. I asked him what could be done and he said that he would see what he could do. I gave him my business card with the assumption that something would be done. I also called customer service for Wells Fargo and filed a complaint against the bank to get the issue escalated.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I reported an error on my TransUnion credit report ( only  ) which added an unknown name to my report. All other information from the unknown individual was merged with my transunion report which dropped my score and forced my report to lock after reporting the error. I filed error reports both orally to TransUnion on two phone calls, two weeks apart from one another, and one report digitally through XXXX. The error report filed through XXXX is still open and states that the report estimated close date is XX/XX/XXXX. Because the date had passed and the other two phone calls yielded no results, I called XXXX a third time - this time requesting a supervisor. The supervisor informed me that the case had closed on the XX/XX/XXXX and that all 3rd parties reporting the case were wrong ( XXXX  ), and that TransUnion does not inform consumers when cases have been closed and/or what the conclusions were. I was able to get the supervisor to acknowledge that the name added to my report was still on the report erroneously and that it would now be removed 3-5 days from that call ( on XX/XX/XXXX ). However, my credit score is now lower than before and I have been harmed by this issue caused by TransUnion. The supervisor refused to admit that harm had been done to my credit file and that the score I was seeing was correct, only stating that 3rd parties use different methods of calculation which could be why it is now lower. My credit has not changed in the last three months that this dispute been open, and the other two bureaus have my unchanged score from before this had begun. I am being punished for a mistake that TransUnion made on my credit file, I have been unable to use my credit to open new accounts or apply for necessities such as a new phone payment, and I am now coming out of this still unsettled dispute with lower credit. I have no option but to accept that a merge of my credit file with someone 's credit file has lowered my score, even though all other elements of their credit has been removed from my report.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX Account NumbeXXXX # XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

Dispute of Incorrect Account Reporting. I am not XXXX, and a payment of {$3200.00} from THD/CBNA was taken and paid someone else 's account that is not mine. Now I am in a lawsuit due to the company error, AND I WANT MY MONEY BACK!
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (IA)

I received a Citi Bank card in the mail. I did request. They then sent me a yearly fee statement of {$99.00}. I called them. They said they would waive. Then received a statement and calls and emails saying I owed {$99.00}, yearly fee, {$30.00} late charge and {$52.00} interest. I called agin. They said they took care of. I then received another card in the saying it was a replacement card for the above card. And, then, it started all over. Same charges as stated above only on the replacement card. Calls threatening to turn in to collections. One rep. told me I didn't get to tell them what to do, they would tell me what I was going to do and then hung up on me. I have talked to no less that 5-6 people and they just keep sending me down the line. When I get upset they simply hang up. So, I am still gettin g unsolicited cards, being charged a yearly fee, late fees and interest on cards I NEVER applied for or want.
Consumer complaint received 2024-10-01
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MA)

We are requesting Postponement of foreclosure auction which is on XX/XX/XXXX so we can complete the short sale. We currently have a signed offer to do the short sale and have submitted to the mortgage company a short sale package, but they are not cooperating. Owner/occupant is XXXX XXXX XXXX and has been living in the home since 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.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (CO)

I asked TrueAccord for a declaration of Debit. Showed proof that I was not the person who owned the debit. They then decided to give me a derogatory remark followed by sending the debit I contested back to the XXXX XXXX after I disputed it.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (IL)

Dear [ Creditor 's Name ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ insert date of communication ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ).

Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe.

Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to dater
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I recently looked at my report and noticed some things are inaccurate. And According to the fair credit act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Whom the report relates. The XXXX XXXXXXXX XXXX account XXXX XX/XX/year> does not belong to me. I'm unable to open a checking account with this showing.
Consumer complaint received 2024-10-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

By telephone on XX/XX/year> I offered XXXX XXXX XXXX XXXX XXXX to charge my CCard {$800.00} for gratuities. 
On XX/XX/year> XXXX XXXX XXXX charged my card {$830.00}, not the {$800.00} I had offered. I have subsequently called XXXX XXXXXXXX XXXX asking that they correct the charge to be the {$800.00} I had offered. They did not do so. I have left a message again for that correction. XXXX XXXX XXXX has not corrected. 
I filed a dispute of the charge with BofA, clarifying the overcharge as above, and that there is no invoice or the like for XXXX XXXX XXXX making the charge. BofA 's response was to deny the dispute citing that I had not provided an invoice, an invoice I had clearly stated does not exist. 
I have tried to clarify this with BofA. I have been transferred from department to department, disconnected on some of the transfers, and essentially BofA will not honor my dispute of XXXX XXXXXXXX XXXX mischarging my account, either by mistake or fraudulently.
Consumer complaint received 2024-09-30
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. (IL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I am aware that you may have totally disregarded my letters or have failed to carefully review my letter due to the high volume of requests EQUIFAX receives daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
I am aware that you may have misplaced my letters ; tossed my letter to the trash can ; or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily OR SIMPLY better yet EQUIFAX does not have a suitable person on staff that can read letters in ENGLISH!! If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Please investigate these three inaccuracies appearing on my credit report Public Records as there are DUPLICATES and remove at least two of the three PREFERABLY remove all three since XX/XX/XXXX expired on XX/XX/XXXX ( per FCRA - XXXX shall only be reported for up to Seven Years ) See Excerpt on next page : BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX Please attached copy of Petition XXXX and Petition XXXX which were filed under the Original Cause No. XXXX requesting permission to sell properties protected by the Bankruptcy ( which was granted AND sold ). 
The perception EQUIFAX Credit Reporting indicates that I filed Bankruptcy three different era when I fact only I file Bankruptcy once in XX/XX/XXXX, not three times as being indicated on EQUIFAX Credit File! 
If my claim above is disputed by the Bankruptcy Court, please provide me with a copy of any viable evidence s ( submitted by the Court ) so that I may elevate this matter with Consumer Financial Protection Bureau ( CFPB ). Otherwise, please delete all three very old account from my Credit File ( beyond Seven Years Limit ). 
I trust XXXX will avoid perceptions of acting in bad faith, and will continue to comply with the Federal Trade Commission ( see 15 USC 41, et seq. ).
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

Dear [ XXXXXXXX XXXX XXXXXXXX ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ XXXX XXXX XXXX XXXX ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ). 
Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe. 
Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to the company
Consumer complaint received 2024-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (MD)

PHH mortgage responded to my original complaint that they did in fact pay other homes property taxes with our escrow money. Their response included that they would not complete an escrow analysis. An escrow was completed and we now have to pay {$1200.00} extra per month due to the shortage that should exist. PHH Mortgage is completely incompetent.