davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Source Receivables Management LLC (FL)

SOURCE RECEIVABLES M ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOURCE RECEIVABLES M or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOURCE RECEIVABLES M or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

In 2009 I became XXXX and my wife 's company downsized. I had a checking account with WELLS FARGO. When we could not pay our debts, judgements were served against us by the superior court of XXXX County NJ. We were living on my social security XXXX check. on 2 occasions, WELLS FARGO at the request of the XXXX County sheriff, seized my account and took my XXXX funds. A first year law student knows that these funds are not able to be seized by commercial entities. I went to court and the sheriff returned there portion of the funds. WELLS FARGO refused, saying, " it is an administrative fee ''. the absconded with {$120.00} and {$100.00}. Following the latest developments of WELLS FARGO 'S criminal activity, I want my XXXX money returned. Thank you for your assistance.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Financial Data Systems (WV)

I disputed the information with the company itself and the collections agency I never even lived at the address they have listed or used the name it 's listed under. I explained this to them and the collection agency removed it and then in turn the original company XXXX XXXX XXXX reinserted it using a different collection agency. It 's not mine I have fraud listed please remove
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

Purchased a motorcycle in 2007 which was financed by HSBC Bank Nevada NA. Got behind and loan was turned over to XXXX XXXX XXXX for collection. Paid off debt but unable to get a lien release. HSBC Bank has the lien on title but sold this lending division to XXXX. Have contacted HSBC and XXXX numerous times trying to get a lien release and no one will send me one.
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (WA)

I put money into a money market fund with Bank of the West as part of a relocation from XXXX XXXX, XXXX to XXXX, XXXX. I opened a Money Market account to stash the money I had leftover from the move in an interest bearing account that I would n't have to manage or worry about. I had to withdraw an amount that I did n't realize put me below their minimum balance. At the time I had apprx. {$850.00} in the account. I went years without checking it until I got a notification saying it was overdrawn. I contacted the bank to inform them of their error and found out at that time that they had been charging me $ XXXX/mo for being below their minimum balance, which had resulted in them confiscating every penny of the money I had in that account. They told me it was my fault for not checking my account. I trusted Bank of the West with my money. By not phoning me or making any good faith efforts to inform me of my financial position, they failed to live up to the trust I put in them. If they were worthy of that trust, they would 've transferred that money into my checking account. Instead, they stole it. I think they owe it to me to refund every penny. 
I 'm sure I 'm not the only one who has been ripped off in this manner.
Consumer complaint received 2016-12-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TrueAccord Corp. (TX)

I have received multiple emails from this collection agency claiming to be an agent of XXXX Upon further research, I found that XXXX is a payday lender that may have opened a loan in my name as a result of identity theft. 

This collector has made no attempt to contact me via mail ; rather, it is sending emails. I do not know if this is a legitimate collection agency. If it is, the notice must be provided via mail so I may have the opportunity to make a debt validation request and dispute the debt on the grounds of identity theft.
Consumer complaint received 2016-06-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (UT)

We filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. We had a home mortgage with SLS as the servicer. No notice was filed with the bankruptcy court pursuant to XXXX indicating that there was any money owed on our second mortgage with SLS. No notices were filed in the entire case that indicated any fees were due. After requesting our payment history I found out that fees were charged on my account ostensibly related to the bankruptcy on XXXX XXXX, XXXX and XXXX XXXX, XXXX more than a month after our discharge. Neither fee was ever disclosed to us and we only learned of it when it showed up on our bill. This appears to be an improper collection of fees without providing the required notice.under the law.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

On XX/XX/2016 I received a call from a representative of BB & T inquiring as to whether or not I knew a XXXX, I responded No. I was then informed that it appeared that checks had been counterfeited, they did not match my checks and the signatures did not match but XXXX checks # XXXX - {$1700.00}, # XXXX - {$1700.00}, and # XXXX - {$1700.00} had been processed against my account. The account was obviously overdrawn and more so with overdraft charges. I was advised to go to my bank branch and file the necessary fraud documents, which was done immediately. The bank representative advised that we closed the affected account and open a new one. This also was done, we now had only one check to access the new account, but were told our existing debit cards would be linked to the new account. This only partially worked and only one card was linked, so that when a medication copay of {$2.00} was charged against that card, it was denied, and were were charged another overdraft charge on the old account. A bank representative was able to fix the link for the debit card. Then things got worse, we were told it would take approximately 10 days for the money to be restored to our account. After 10 days, I called, the rep told me the case was being investigated, and she provided me a case number and a phone number to contact the fraud unit directly. I contacted the fraud unit and was told that there was no definite time that the funds would be restored and it could take as long as 90 days. I went back to the branch office, the rep called and was told that an investigator would be assigned on XXXX and to call the fraud unit for an update at that time. In the interim I have been forced to withdraw funds from my 401K to cover property taxes, property insurance, and my mortgage payment with this same bank. I have had to contact Social Security, our life insurance companies, and all those with whom we have direct deposit agreements to make the appropriate changes. I feel that the bank 's resistance to reinstate my funds is unacceptable, this situation was a result of problems with their security and not my effort to protect my account. The bank informed me of the problem initially before I even knew it existed so they knew there was something wrong, with that said, I feel they are not responding reasonably.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (FL)

XXXX 
ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Consumer complaint received 2016-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (NY)

I asked for verification of the debt within the 30 day window of first being contacted. The collection agency then mailed me what they considered the verification information. I then wrote them again, asking for more information about the alleged debt while I investigated myself. They reported the collection to the credit reporting agencies within one week later, without me even having the opportunity to rectify the debt with it damaging my credit.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (GA)

GM Financial did not put the correct information on the credit report. The credit bureaus are reporting that I did not pay what was told in full through explanation not the amount total. Even though, the amount total was XXXX balance, the explanation was damaging. GM Financial stated, " I did not pay in full and I was 120 days with the four payments. '' This was not true. When I found out that I owed this payment out of 2 years, I agreed to pay XXXX which was a settlement plus 80 payments which was all the payments owed. Somehow, this remaining balance came from change deferred payment which I was not aware of. The statement GM Financial reported to the bureaus brought my credit score down XXXX-XXXX points. Like the payment stood for nothing. I paid XXXX dollars and I request for fairness. I paid what was requested of me. They agreed to XXXX leaving XXXX % balance. Even though, I struggle to pay most of the balance at XXXX a month, I was not late with one payment. They left with the explanation that hurt my credit. I want respect for what I paid and I want my credit for my payment. I made it extremely clear I was paying this type of balance because of my credit. I paid what they requested on time for 6 months. I do n't deserve negative comments to ruin my credit. I went through threats and strangers calling my phone about a balance I did not know I owed. When it came to collecting the balance, I gave no negative comments or refused to settle, I just paid. Please, be fair to what I paid and how I paid. I was not 120 days late during these payments. Please, correct this statement and be fair to the agreement. I paid what was requested on time I was not 120 days late. A company should not have the right to have so much power to ruin your credit. So, I am requesting for fairness toward what I paid on time. Thank you.
Consumer complaint received 2024-10-15
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. (MO)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2016-12-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (FL)

First data merchant keeps reporting an account that was open as an identity theft. I have made several phones call to them to let them know that this account doesnt belong to me. I have never owed a company or business, i have never signed any agrement with them. On XXXX I received an email from an employee named XXXX XXXX , telling me that in order for them to complete the investigation, I would have to send the dispute forms, copy of my driver license, and XXXX blank papers with my signature on it. I sent everything except the XXXX blanks papers because I told her that I didnt feel secure signing on blank sheets, but she insisted and told me that I was going to be responsible for the accounts if she didnt get them by the end of the month. I have copies of all these emails because I dont think its fair or legal for a company to ask a person to sign on a blank sheet and send it via email. I dont know what they will be using my signature for.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (OR)

In XX/XX/XXXX I borrowed {$45000.00} on my XXXX XXXX XXXX XXXX XXXX XXXX, with a XXXX % APR for 1 year and a fixed interest rate of XXXX % thereafter. Meanwhile, my loan was sold to Barclay, who proceeded to charge me 16.99 % variable interest. For 3 years now I have spent HOURS on the phone with them, asking for them to XXXX ) produce the original contract ( which they claim to have never received in the purchase from XXXX, when I contacted XXXX, XXXX told me they had given it to Barclay, Barclay again never received, etc. ) ; XXXX ) honor the original XXXX 8.99 % interest rate ; XXXX ) provide me the courtesy of sorting this out. I have always paid above and beyond the minimum payment due. I always initiated above said phone calls. On various conversations, I was informed that the APR was reverted back to the XXXX FIXED rate, yet this never occurred. I also quit using the card as although I would pay in full that month 's charges, along with at least that month 's minimum loan payment, and always on time, yet interest always accrued on the current charges ( which never were beyond their 30 days due XXXX. Verbally, they claimed this was not to happen, yet on my statements, it always did. Just this last XX/XX/XXXX I was alerted by a recorded telephone message that my XX/XX/XXXX payment had not been received and is now past due. Until this point, I had never been late on this account. I had also sent in this payment. I called to find out what was going on, and they had attempted to take the money out of a checking account I had closed over a year ago ( which they had known about the account closure, as I had given them a different account from which to withdraw funds ). This caused the payment to be declined. I immediately called, and was told that late charges were removed and my payment was accepted. Upon receipt of this month 's ( XX/XX/XXXX ) bill, it showed me now owing twice the minimum payment due, and unbeknownst to me, XXXX of my XX/XX/XXXX 's over payment did not go towards the principal balance, but was applied toward XX/XX/XXXX 's amount due, subsequently accruing even more interest on the principal than their already unfair interest charges. This unfair practice happens over and over and when I call I do n't seem to get resolution, and no one gets to the bottom of this nightmare. I have yet to receive copies of the original contract, and I have never been a bad, defaulting or even late customer. I look forward to some sort of fair and courteous resolution. In frustration today, I advised them of my intent to file a complaint in regards to this matter, and the representative 's response to me was, " Do what you got to do, and good luck with that. ''
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (OH)

When I applied for XXXX Credit Card, in amount of {$300.00}. to re build my credit and with Care Credit for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, XXXX Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XX/XX/2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add one Credit Card company at time at end so I will do two of these.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (NJ)

CAINE & WEINER has submitted to the XXXX credit bureaus a collection account for XXXX that does n't belong to me. I have had XXXX communication with them and all of a sudden there appears this collection account. The account does not belong to XXXX it is fraud and needs to be removed. I have attached a police report and FTC affidavit. Please remove and cease collection
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank advertised a {$400.00} bonus for new checking account customers. Having met all the terms and conditions, including the initial deposit and balance requirements, the bonus has yet to be deposited to my account after the 90-day timeline specified in the offer.
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mutual Management Services LLC (FL)

MUTUAL MANAGEMENT SR ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MUTUAL MANAGEMENT SR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MUTUAL MANAGEMENT SR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX