davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have contacted AutoTrakk in writing and have asked them to validate the alleged debt that they assume that I owe. I have also sent AutoTrakk a cease and desist and told them to cease all forms of communication with me through any and all mediums. Not only has AutoTrakk not responded to my request of them to validate this alleged debt, but they also continued to contact me even after I demanded them to cease all forms of communication with me which is in violation of 15 USC 1692c. ( c ). AutoTrakk is also in violation of 15 USC 1692g because they continued to attempt to collect on this alleged debt after I notified them in writing that I am disputing this alleged debt. Attached you will find their attempt to collect on this alleged debt on, XX/XX/2021. I have also attached a copy of the debt validation/cease and desist that I sent out on XX/XX/2021. I have also attached my return receipt which verified that AutoTrakk has in fact received my letter on XX/XX/2021. AutoTrakk has also continued to violate my rights by reporting this invalidated information to my consumer reports after receiving my letter in writing, which is an act of fraud. Due to the fact that AutoTrakk has completely violated my rights, under the FDCPA and FCRA. I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports Please advise this is NO LONGER a request for validation, being that AutoTrakk has violated my rights and continued to harass me while causing a substantial amount of harm to me as a consumer. This is NO LONGER a request for validation but a request for REMEDIATION. So again, I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (GA)

I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. PNC placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are XXXX XXXX XXXX veterans who both served in war in XXXX. 
We were never late on our mortgage payments and were current for years ( about 10 year ) until the hurricane. Other mortgage companies assisted many in our area and even the other properties I own. But at the end of the 6 month term PNC would not help and I was left being 6 months due. I would have never accepted the " assistance '' from PNC had they not given a commitment to help bring my loan current. Now I am facing a foreclosure sale date of XX/XX/2019 in spite of having a complete loan modification application which is simply my VA award letters and bank statements. Not a whole lot but PNC made it very difficult to have a " complete package ''. In spite of " dual tracking '' being restricted per CFPB servicing guild lines PNC continues to have a sale date and active review in violation.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WA)

I received a notice dated XX/XX/year>, that action was needed on the credit card. I do not have a credit card ending in the number that was on the statement. I also received the bill in the mail around the same time stating that the payment was due XX/XX/year> and the account is past due. I called the credit card company and told them that I did not activate this card and I did not charge the {$10000.00} that is on the card. I had not idea that it was opened. It was also opened under my maiden name. I asked them to close the account and add that there is fraud on this account. I asked where was this charge made, they said on XXXX. I spoke to XXXX and they also put a fraud alert on my account. They told me that the card was opened in XXXX.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I sent a letter to Ally Financial to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Ally Financial to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Consumer complaint received 2019-07-24
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. (CA)

Equifax ; XXXX and XXXX are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

I'm writing, because I dispute Debt with XXXX and XXXX about my credit report and I ask them to Validation and for verification about debt collection. I never receive any mail of my dispute on XX/XX/XXXX the amount of {$6100.00} and {$1500.00} were remove. So on XX/XX/XXXX they a loud a new Third party which I have no idea who these debt collection are. I'm so tried of asking XXXX, XXXX and XXXX to accuracy on my credit report, because the Credit Bureau report inaccurate information meaning different amount, open account, high balance. every month reporting charge-off after it been close. this is a Violation my right to privacy.
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (MN)

In XX/XX/XXXX Moneylion ( XXXX XX/XX/XXXX) ran a promotion where they advertised a bonus of upto {$590.00} or 17 % of first paystub direct deposit and maintaining direct deposit for 3 months. See details below : 1. Join MoneyLion 2.Set up a direct deposit of $ 500+ 3. Opt in to bonus 4 Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit I opened the account, opted into the promotion ( see attached SCREENSHOT ) and maintained direct deposit of {$3200.00} ( XX/XX/2019 ), {$3100.00} ( XXXX ), {$3100.00} ( XX/XX/XXXX ) and  {$3100.00} ( on XX/XX/XXXX ). 

Even after meeting the promotion terms, I did not get the promised bonus of {$550.00}
Consumer complaint received 2019-09-26
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. (FL)

All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.
Consumer complaint received 2016-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

Not enough information of validation of debt. I contacted LVNV FUNDING LLC through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$1000.00} }, however I do not owe this debt and know nothing of it. LVNV FUNDING LLC appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

I had {$2300.00} something showing as my balance someone deposited {$510.00} into my account instead of it increasing by that amount it decreased. This is with Cash App they have no phone support at all they say I should msg them on the app i sent them many messages only got a few responses basically telling me to download my statement at cash.app i did so and will attach it below according to them they stole money from me i told them to add it up themselves they don't respond to that at all nor do they respond that it doesn't match exactly the history in the app itself
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IA)

After the Credit breach 161 fraudulent accounts were added to my credit file. The copied old accounts that were previously paid. For example I had one loan through chase, now I have 9 total loans that showed zero payments and the account has been closed. I made payments to that loan when I was in school and it was paid off before I even graduated. Now shows up as nine negative things on my credit statement and the original loan isnt even on there anymore. The number provided to XXXX XXXX XXXX as the dad is the number to a phone sex line. I have about 40 other debts to the Department of Education and I was city thats been close for 10 years. Im showing Student Loans on my account from when before I even started school. I am being sent fake mpns, and the Department of Education cant tell if these are fake and PMs because theyre not educated on what the identification number on the MPNs actually means, that arent even valid but still being registered through the department education as it being a valid debt. I havent been able to have a bank account or a credit card in over 10 years because of all this improper reporting on my credit. In 2015 I had my entire life savings account how old and taken from me to pay for this debt. My father has been contacted since he was the cosigner on one of the loans, he has paid over {$60000.00} to this company and I was city thats now shut down. I have paid over {$50000.00} to the company in XXXX  city thats now shut down. I had {$20000.00} seized out of my bank account and I dont know where this money was sent to.  Someone needs to pay me back the money thats been taken because of all of this somebody needs to be held accountable and someone needs to pay me back and stop people from taking more money from me and allowed me to actually have a bank account as are all violations of my consumer rights they are violating son of XXXX laws by trying to make a profit off of any of this and none of them should even be in business if they cant even contact me to let me know that my information was breached. I want my money reimbursed and I want these fraudulent credit reporting agencies to be shut down because they are not reporting anything close to accurate on anybodys credit report due to this bridge and they have no intention of fixing it or they would have by me submitting the five different times Ive tried dispute everything on my credit file and  everything came back as not disputable because they were valid debts but yet only my name and a dead amount is on 3 % of the reports so I dont know how they contacted anybody if there wasnt even a name given
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (MN)

I opened 2 accounts with the same lender for 2 vehicles in XX/XX/XXXX toXX/XX/XXXX. I ended up in a divorce which put me into a situation of voluntary repossession for both vehicles.i gave back both vehicles and the loan company Exeter financial sold the vehicles for any loan value in XXXX into XXXX or so of XXXX. The remaining loan amount was than sold to various lenders which ended with XXXX XXXX back in XXXX some time and as of XX/XX/XXXX I had got in contact with them to make arrangements to settle the accounts and pay. I got my income taxes and paid both accounts as agreed by both myself and XXXX XXXX for the amounts offered as paid in full. I have 2 letters stating that the accounts are now settled and XXXX XXXX have now removed themselves from my credit but Exeter financial has not updated and or removed themselves from my credit seeing as they are paid as well if the lender got paid. I have tried calling Exeter back in XX/XX/XXXX and no one could speak to me from the department that handles the credit reporting of the accounts and I also left a message to get a response for the team and no one responded back. I have investigated 3 times on all bureaus and the XXXX credit bureau was the only bureau to remove them from the reports.
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB (FL)

StateFarm bank told me that they would remove the late payments on the loan due to that we had paid the loan months in advance and we didnt know that it went into principal it was a misunderstanding and was told that they would remove the late payments from the credit bureau but still nothing
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (CA)

On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including Credit Plus to report the error with no response. I found later that my XXXX report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from Credit Plus about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
Consumer complaint received 2024-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I made a XXXX transfer of {$100.00} to XXXX XXXX which I have sent money to in the past via XXXX. However, this time the XXXX money was not received by XXXX XXXX. The phone number nor the payment information had changed. Everything was the same as the last time I sent a XXXX transfer to him - just this time no money received. I called Wells Fargo that evening and they said it might show up later. It did not. I called Wells Fargo. They said the money was received on the other side but it was not. They said I could open up a claim. I opened up a claim at Wells Fargo and they sent a letter dated XX/XX/XXXX received by me today stating, " We have determined that no error occurred as the transaction was completed as requested by you, to the account associated with the phone number or email that was provided. '' and " We have closed your claim at this time. ''
Consumer complaint received 2020-06-22
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. (TN)

I asked XXXX  and Equifax to provide me the Date of First Delinquency with the original creditor because it was not provided and for XXXX  and Equifax to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. XXXX  and Equifax just updated or modified the information and did not provide me with the requested information. XXXX  and Equifax are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.

Experian and Equifax failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.
Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I paid off the purchase of my home & learned that loans were taken in my name but not by me! They were done fraudulent as I am a victim of identity theft! 
I had an original HUD loan that was paid off verified by HUD sent to XXXX XXXX XXXX XXXX, it was paid off in 2003 & I never took any other loan! 
Please tell me what I can do to fix this!