davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

COLLECTION ACOUNT POSTED ON MY CONSUMER REPORT, VALIDITY OF THE COLLECTION ACCOUNT. I NEVER SIGNED A CONTRACT WITH CREDENCE RESOURCE MANAGEMENT NEITHER HAVE I DONE ANY BUSINESS WITH THEM. NEITHER HAVE I SIGNED ANY CONTRACT WITH XXXX XXXX XXXX. I DO NOT OWE THIS DEBT
Consumer complaint received 2023-10-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trott Law, P.C. (MI)

XXXX XXXX XXXX, XXXX, as Trustee for the pooling and servicing agreement dated as of XXXX XXXX  XXXX XXXX XXXX ,  XXXX, Asset-Backed Pass-Thorough Certificates 2004-MHQ1, By way of Trott Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX aka XXXX XXXX XXXX and ALL OTHER OCCUPANTS 36th District court case # XXXX Stole my home that was illegally foreclosed on. After the house was paid off, probated and awarded to me. They Illegally evicted my dead step mother and all occupants. After I showed the court the original death certificates, the original XXXX XXXX probate courts order XXXX. That XXXX XXXX has been dead since XXXX  and it isn't possible to serve dead people court documents In XXXX.or to evict her in XXXX. For the illegal foreclosure or for the eviction. XXXX XXXX forged a fake eviction by making a false statement to 911 that I threatened a bailiff and the XXXX Police department Incident report # XXXX proceeded to illegally detain me, while they stole everything and locked me out of my own home. XXXX XXXX XXXX XXXX in the process. I have mailed the supporting documents. Their detailed confesion.
Consumer complaint received 2023-10-11
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: Ridge & Valley Realty, Inc. (CO)

I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to Credit Systems for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, I paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I have reach out to XXXX, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXXXXXX XXXX 1st letter XX/XX/2023 and then on 2nd letter XXXX/XXXX/XXXX  with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
WELLS FARGO CARD SER 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX  1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (CA)

This issue relates to an application for a business line of credit with American Express, and not a personal line of credit. 

On the morning of XX/XX/2023, at approximately XXXX XXXX, I had a conversation with a supervisor at American Express. During our discussion, I was informed that my application had been denied due to a missing document. I was directed to submit this document via a specific link. However, upon trying to access said link, I found it to be unavailable. It was brought to my attention that the submission process through this link is limited to two attempts. At no point was I provided with proper prior notification about this limitation.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Consumer complaint received 2024-04-04
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: GOLDMAN SACHS BANK USA (NY)

My wife and I share an XXXX account and Apple Credit Card. She originally downloaded a trial of an app on the XXXX store, XXXX by XXXX, on XX/XX/2023. She did not realize that the app came with a subscription fee of {$59.00} per year that would go into effect after the 14 day trial period. Together, we cancelled the app subscription through the App Store, the same way it was downloaded on the day she downloaded it, XX/XX/2023. When the trial expired, XXXX still charged me the {$59.00} for the service which I cancelled. 

I've since reached out to Apple support and my Apple Credit Card. I disputed the charge at least 4-6 times, every time of which the dispute was overturned and the charge reinstated, most recently today. This dispute period usually lasts 60 days before I have to reopen the dispute due to the fraudulent charge. I've shared evidence with both Apple CC and XXXX showing the date of download, the date of cancellation, etc. all to no avail. 

I have an email chain going back and forth with XXXX support which states that because I did not cancel the subscription on their website, they continue to charge me. I've never been on their website, nor have any reason to as the app was downloaded through Apple 's App Store and cancelled the same way. I took a screenshot of negative reviews of XXXX from other users who have had the same " scam type '' experience. 

I would now like to escalate the issue so that this charge for {$59.00} is removed permanently and never charged to my account again. I am happy to provide any evidence required that I have previously supplied to the aforementioned.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I have reach out to XXXX, XXXX, and XXXX on XX/XX/, XX/XX/, XX/XX/XXXX XXXX to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/XXXX  as well as to the Federal trade commission on XX/XX/. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as NORDSTROM/TD BANK 1st letter XX/XX/XXXX XXXX then on 2nd letter XXXX/XXXX/XXXX  with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX letter XX/XX/XXXX XXXXXX/XX/XXXX  response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX 1st letter XX/XX/XXXX  and XX/XX/XXXX XXXX  police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/XXXX  and filed a dispute through XXXX.
Consumer complaint received 2023-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

I reported months ago to the branch via email that there were issues with the online transaction calculations. I've also found that the interest dates and amounts do not match between the online transaction history and the printed statements, making transaction reconciliation impossible and appearing like I have two different balances.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. XXXX failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account banks off XXXX XXXX
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2023, I receive an email from XXXX thanking me for applying for a XXXX XXXX XXXX credit card. I also received an alert from Experian notifying me that my credit file had been updated. I logged into my Experian account and noticed that XXXX XXXX  XXXX  received a copy of my Experian Credit Report. I have never applied for any XXXX credit card and I did not authorize them to pull my credit. I put a freeze on my credit file with all XXXX  bureaus and asked them to submit a fraud alert. I called Experian to dispute the hard pull on my credit and will also be calling XXXX and XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/24 I received an email at XXXX est that my account was in danger of being closed and that I needed to contact chase. I called and spoke with multiple reps who told me I had to wait 10 business days to receive my money from the account and they refused to tell me why the account was closed. I have {$1300.00} in one account and {$180.00} in another account with a direct deposit of over {$1600.00} scheduled to arrive on XX/XX/24. Chase has refused to allow me access to my money. They waited until Friday afternoon when branches were closed to close the account. This is causing a substantial hardship and without access to funding I cant feed my family or get to work. I can accept my account closing but chase does not have the right to withhold my money from me.
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MI)

Received a Vanilla gift card for {$100.00}. It wouldnt work when trying to make a purchase at the store ( XXXX ). I noticed the front of the card only contains the first 7 digits of the card number. The back of the card does not contain a security code, either. 

When I contacted Vanilla customer service, they gave me a claim XXXX XXXXXXXX, but said I must submit the original packaging, the receipt, a color copy of my drivers license, and a copy of the gift card, front/back. I no longer have the packaging or receipt, however. The packaging was intact when I received it. The customer service operator said unless I provide all of these things, the issue could not be resolved. I asked to speak to a supervisor and was told they would just tell me the same thing. 

When I researched this issue online, I noticed other Vanilla gift card recipients with the same exact issue, with one person filing this same type of claim with cfpb, which indicates to me this company has some sort of internal problem, perhaps during the manufacturing process? 

Please help me resolve. 

Thank you.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (OH)

In XXXX, I had to move out of my home due to XXXX  XXXX I called Freedom mortgage and explained my situation and requested information to be sent to my new address to take care of this situation. No information was sent I called again in XXXX no information. XXXX called and told them that XXXX died and I wanted my name off the mortgage because XXXX XXXX showed that somebody bought the house and the title was in somebody else name Freedom mortgage told me that was still my house and I needed to kick the people out of house, still no paper work sent requested again in XXXX, XXXX, and XXXX no paperwork sent even though EVERYTIME I called I gave them my addreess
Consumer complaint received 2023-10-09
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a high yielding savings account with a variable interest rate with ING Direct in XXXX. At some point, CapitalOne purchased ING Direct and I became a CapitalOne customer with a CapitalOne 360 Savings Account. At the time, interest rates were high and I received a high savings interest rate. As interest rates fell, the interest rate on my account understandably fell as well, eventually falling below 1 %. With the rise of interest rates in the last couple of years, I expected my interest rate to rise but instead my savings account interest rate has been frozen at .3 % since XXXX. I just learned that around that time CapitalOne created a new product called CapitalOne XXXX XXXX XXXX and began enticing XXXX customers with high interest rates while doing nothing to raise the interest rates for existing customers nor did they specifically notify existing customers about the existence of this new product - no email and no in-App notification. I am outraged that for the last 2 years, XXXX has paid me a pittance in interest when I have had over $ XXXX deposited in my 360 savings account while it has been paying new customers over 4 %. They essentially abandoned existing customers in pursuit of new customers and never bothered to tell us. The rate on my 360 account was supposed to be variable as well but it has not moved above .3 % since XXXX. By my calculations, CapitalOne owes me at least {$10000.00} in interest. Please make them do the right thing and pay me this back interest.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.