davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (MD)

CONTINENTAL FINANCE COMPANY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ CONTINENTAL FINANCE COMPANY ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ CONTINENTAL FINANCE COMPANY ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and on XX/XX/XXXX I received a letter from the Wells Fargo mediation program administrator in regards to possible fraudulent accounts that were open in my name that I did not authorize or want. In the letter, they informed me to contact the mediation department if I had any concerns about this issue. Thereafter, I contacted the Wells Fargo Mediation Program and they explain to me the process on how to file a claim and informed me to complete the mediation request form and mail or fax it to the address provided on the form. After  do so, on XX/XX/XXXX I received a letter informing me from the mediation program that they received my request. On XX/XX/XXXX I received a letter informing me about the Mediation process and " what I need to know ''. The letter states " You are not waiving any legal claims by participating in this voluntary process, and there is no cost to you. Within 30 days, you were either be contacted directly by Wells Fargo or contacted by the mediation provider to schedule a telephone mediation session. We have enclosed a copy of material related to your claim that has also been provided to the mediator. The mediation service may also mail you copies of these documents, along with a letter that confirms they received your claim. I was sent an additional mediation form to fill out with my personal information and I sent it again requesting {$100000.00} in relief sought. I signed and dated the form on XX/XX/XXXX. On XX/XX/XXXX the mediation sent me a letter in regards to an Amended Proposal. The letter states that they reviewed the details from my mediation session with XXXX XXXX XXXX and because there was no agreement reached during the mediation session, the mediator created a Mediation Proposal asking that if I agree with the terms listed on the amended mediation proposal to sign it and return it to them. After reviewing the mediation proposal I agreed to signed it to be compensated for my claim. I only signed the mediation form under the condition that I still retain the right to file a complaint with Consumer Financial Protection Bureau to pursue all other applicable contractual and non contractual remedies. On XX/XX/XXXX I received another letter in regards to my claim settlement. Wells Fargo compensated with Identity Theft Protection as well as {$3000.00}. Im filing this complaint with the Consumer Finance Bureau because I would like to take further action with my complaint with Wells Fargo. I would like to pursue all other applicable contractual and non contractual remedies.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Ive reached out to Equifax four different times, I sent letters also sent faxes to the number XXXX as they told me too. I also explain to them, That I am a victim of identity theft, They keep on brushing me off, basically explaining to me that they can not do nothing for me. They definitely receive the letters. This is the letter that I sent to them. They still want do nothing about it. 


My full name is XXXXXXXX XXXX XXXXXXXX XXXX Fraud Alert # XXXX My last 4 of my social is XXXX My current address is XXXX XXXX XXXX XXXX  # XXXX XXXX, California XXXX I currently work for XXXX XXXX this is How it should look on my credit report. 

Dear Equifax, This is my second time reaching out to you. I already sent you police report and ftc report number, proof of address, Plus fraud alert number XXXX. 
It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for the inquiries that I listed below with dates are fraud, Do to identify theft, Im a victim of identity theft I never gave my consent for all inquiries listed below that was made. Please met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, Can you please remove them from my credit report or rescind the errant notation immediately. Sincerely, XXXX XXXX Im a victim of identity theft my information up top on this page is how it should look on my credit report. Can you fix my credit report please. 
These are The inquiries that are fraudulent. I label them from one through 4 below I did not give my consent for these four inquiries that was made on my credit report. Do to the Fair Consumer Report Credit Act. The inquiries below are fraudulent do to Identify theft. Can you please remove them from my credit report immediately .Thank you. 

Sincerely, XXXX XXXX XXXX ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry.Its do to identity theft, Can you please remove it from my credit report immediately.Thank you.

2 ) XXXX XXXX XXXXThe date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry, Its do to identity theft. Can you please remove it from my credit report immediately. Thank you. 

3 ) XXXX XXXX XXXXXXXX. The date of inquiry is XX/XX/XXXX. Its fraud, I did not give my consent for this inquiry, Its do to identify theft can you please remove it from my credit report immediately.Thank you. 

4 ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX, Its fraud, I did not give my consent for this inquiry. Its do to identity theft can you please remove it from my credit report Immediately. Thank you Sincerely, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Upon taking out a loan on my home, I was not informed that my fixed rate would change to a variable rate. It was done without me being informed or my consent. This happened around XXXX to XXXX. It has made it a great hardship for me as it made it difficult and even harder for me to come up with the payments. This hardship has also caused me to file for bankruptcy in XXXX. This has brought me great grief!
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I am requesting the {$92.00} on my Amazon Account. You closed my account, because of the bank 's mistake and there were returned checks. I was not aware that the bill pay feature was still being applied to my Amazon Account.

Why should I have to research my bank records to prove the {$92.00} credit on my account? You know that there is a credit on a closed account. Your representative stated that it would be refunded in 30 days. It has been over 90 days. 

I am requesting my credit immediately plus interested, and {$25.00} per month penalties.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

On XXXX I had made a payment of {$560.00} on my app at Wells Fargo when I logged in it had a notification if I had made these transactions I said yes they were my transactions on XXXX. Then I called Wells Fargo and I talked to somebody they said they were going to send me a six digit code through text message and when I got it I said it to them they put it into their system and they said no further action is going to be on my account. Then on XXXX they did a provisional credit for claim. I did not ask for this claim they did it all on their own because I had taken care of the claim supposedly on XXXX. And then on XXXX they took this provisional credit and claim out of my account and they put me in overdraft of {$560.00}.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Company involved : PayPal Inc On XX/XX/XXXX I received XXXX payments, XXXX from XXXX XXXX and another one from XXXX XXXX for {$39.00} and {$11.00} which I didnt recognize or was expecting so I suspected were a scam. On XX/XX/XXXX I called Paypal to report this and was helped by XXXX. I asked her what to do with these payments as I suspected were a scam or stolen money, she advised me to refund the payments and that no money was going to be taken from me. I refunded them while I was on the phone with her. My balance on Paypal decreased when I completed those refunds. I realized the funds from the refunds were also taken from my bank account. I contacted Paypal but they are giving me the run around, the representative XXXX reversed the fees for those refunds which were about {$0.00} and {$1.00} but I would like Paypal to refund me the {$39.00} and {$11.00} to my paypal balance because they are already taking it from my Bank account. If refunding the payments was not the correct course of action, I should have been advised by Paypal when I called to report this. In addition there was another scammer who sent me a bogus payment for {$60.00} on XX/XX/XXXX and the the person filed a dispute claiming they didn't receive the item they bought from me. Stating they ordered from a website that has been XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX  websites, and on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing the following errors with TransUnion for 283 days and sent them over 13 letters, with no resolution. They have failed to provide valid proof of debt, investigation results and/or correct the inaccuracies on my report : XXXX XXXX ( Account # XXXX ) - Unverified account. Please update to never late. 
XXXX XXXX ( Account # XXXX ) - Unverified account. Please delete this account from my report. 
XXXX XXXX XXXX XXXX - XXXX address. Please delete this account from my report.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I am in a homeless shelter in XXXX XXXX and need medication I have an emergency. My debit card number is : XXXX. My name is XXXX XXXX XXXX. My email is XXXX. My phone is XXXX. I need medication and need to reach someone immediately. Preferably a supervisor. There must be someone in charge even though it is XXXX XXXX weekend and there is limited contact because of the virus. But there must be someone in charge for emergencies. My account was closed because I had a negative balance of {$290.00}. Which is fine. I don't want to bank with a bank that won't give a customer time to cover a negative balance. I am homeless and living in a shelter but was XXXX. A charity deposited {$5000.00} for me. I called to get the money from the deposited check released but they told me the check was no good. This is ridiculous. It is a reputable charity and credit union and the check is perfectly good. The validity of the check that was deposited can be easily checked with the head of the charity or the credit union it came from. Of course, the negative balance can be deducted. 
I need emergency access to the funds. I have called many different Chase numbers. At first, it's 24-hour customer service line answered. I called 3 times and explained the situation and to please get  me in touch with whoever was in charge of emergencies. I was switched to a department that was closed every time and got a recording and a disconnect. I called every other number I could find for Chase and they all had recordings saying they were closed. 
I don't know if there is a specific rule requiring banks to have someone on call at all times for emergencies, but there should be. Especially a bank as large as Chase. I posted what was going on on the XXXX  XXXX account by mistake and they responded within an hour. 
I do know there are many rules and policies requiring banks to make funds available from deposited checks. The FDIC policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. 
Under TheExpedited Funds Availability Act there are time limits too. 
I don't know what Chase used to determine that the deposit in question was suspicious for fraud, but whatever they did was obviously deficient. The supervisor I talked to only took less than 5 minutes to check. At least as a practical matter, banks should be required to be sure they have in place a reliable system.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XX/XX/XXXX
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/2021 My XXXX XXXX  Checking Account showed a ACH deduction from Mr. Cooper, my XXXX XXXX XXXX. The amount was my normal Mortgage payment of {$1200.00}. I already paid my XXXX Mortgage payment on XX/XX/2021. I am not behind on my payments. I also do not have automatic payments set up with Mr. Cooper. I pay every month with Mr. Coopers  online service. My payment dates range from the first of the month till the XXXX or XXXX of the month. I have never had a automatic withdrawal and if I did I would not have 2 Mortgage payments being deducted with the same month. My next Mortgage payment is due XX/XX/2021 with a grace period until XX/XX/2021. Mr. Cooper released a statement that thousands of not more customers had their accounts withdrawn without prior authorization by Mr. Cooper over the weekend. They also stated in their press release all cases were resolved by the end of business on XX/XX/2021. My account is still showing the {$1200.00} as a deduction and I had to file a complaint to dispute this amount with XXXX XXXX. This dispute can take 10 days or longer. In the meantime I am not short {$1200.00} that is to be used for other bills and necessities. I believe the actions of Mr. Cooper fall under the UDAAP law and I would like to know what can be done to rectify this error by Mr. Cooper. Thank you for your time.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

Total scam/fraud I received a XXXX gift card for my birthday as soon as I activated the card and tried to use, it showed that the card was already used by someone else. Called customer service and filled out a form from for Vanilla to get a reimbursement due to a faulty charge on the Vanilla card and it's been over 120 days. I contacted customer service and waited over an hour on hold. When I finally got to talk to a customer rep they could not understand me and I barely could understand them. When I try to look up my card online or check my balance the site states a system fault and to try back later. This happens every time. My card now is on hold and I can't place any charges on it or make any transactions. DO NOT buy this card. Highly recommend that you DO NOT buy this card. Really really bad customer service. Very POOR business on their part. I have lost the {$100.00} and guess I'll never get refunded. They have outright stole the money from me... There is nothing I can do about it. 
There are so many additional complaints explaining the same thing : https : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Management Services, Inc. (CA)

This account represent a clear breach of contract and are 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 accounts are : AMERICAN MANAGEMENT XXXX  XXXX
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. 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. There are also some inquiries on there that I know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (DE)

A few years back I got a loan to pay for my XXXX XXXX XXXX  tuition, everything was fine and I had no problems. I recently applied to get a loan for my XXXX XXXX XXXX  tuition and it was denied due to collection accounts. The bureau that the lender used was XXXX. I immediately pulled my credit reports and sure enough there were two accounts in collections being reported. After careful review, I realized that the accounts did not belong to me and they were opened during the time that my personal information had been exposed. I had never obtained any goods or services from the companies. I contacted the credit bureaus and was advised that I needed to file identity theft disputes for these accounts, which I did. I filed a dispute, filed a police report and FTC report and submitted all the documents requested of me including a request to block the information/accounts in question. None of the information was blocked and 20+ days after my dispute, XXXX sent me paperwork that they had forwarded the information to the collection agencies for the collection agency to investigate. Thirty days after my dispute, XXXX sent me paperwork that the accounts had been verified as accurate. How can accounts that were open fraudulently, using me information be verified as accurate? 
Needless to say, my daughter was not able to attend college last semester due to the fact that I could not get the loan to pay for her tuition because XXXX is reporting inaccurate information on my credit report. 
I am in the midst of filing another dispute with the credit bureaus and collectors. I could just pay the debts so that my loan gets approved ; however, for me its the principal. Why would I pay for products/services that I did not request nor receive? 
Through all the polices, procedures, and legislation that Ive read about from the FTC, CFPB, and the actual credit bureaus, no matter what, it seems that the credit reporting agency can report anything submitted to them by a creditor and us consumers have no recourse. 
I have witness, notarized FTC affidavits, police reports, etc. What else do I need to do to resolve this issue? 
I am submitting my disputes again and hopefully this issue can be rectified before next semester. I just dont understand why the items in question cant be blocked until the reinvestigation is complete.