davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MT)

we have an auto loan with wells fargo dealer services. we had gotten behind on payments. we believe it was only 1-2 payments. we have asked for statements showing every payment, and all of the fees that have been assessed to the account. we have now found that they are still placing force placed insurance ( we have always covered the vehicle with full coverage ins ). We have provided proof of insurance numerous times. with the most recent this last week. and we provided in XXXX as well. it is a very frustrating time consuming endeavor we have taken on with these people. We want to have all the force placed insurance taken care of and any other fees that should not have been assessed.
Consumer complaint received 2015-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CO)

Enhanced Recovery Co.LLC is reporting this debt to credit bureaus without proper validation. I have requested validation and collection agencies keep sending me this excel spread sheet. This is not considered a valid validation. This account has been to several collection agencies and every time I ask for validation they have never been able to validate so they remove it from the credit bureaus. They are trying to collect for XXXX, I did not have service with XXXX during the time shown on the excel spreadsheet. That 's why they cant validate. I had cancelled XXXX, because my son transferred his XXXX service to our address.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2016-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus. 

My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (GA)

Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KS)

On Monday XX/XX/2023 someone contacted me through text message pretending to be the XXXX  I was going through to get my XXXX XXXX XXXX XXXX  and told me I could send some of the money through cash app so I sent {$320.00} to their cashapp then noticed the night before I tried to send a friend {$25.00} and it wasn't sent to her it went to the same one the got the {$320.00}. I went in to the XXXX  office after waiting at the XXXX  for them for 3hours and showed them the messages and everything and they told me it wasn't them and they couldn't help me. I went into my cash app and tried to cancel and it wouldn't let me do I contacted cash app and reported the scam told them I had copies of the message and they said there's nothing they can do but they advice me to request the money back and I told them I tried that but it says I'm unable to request it and they told me still there's nothing they can do and ended the chat. When I spoke to them on the phone they told me the same that they couldn't do anything and hung up on me.
Consumer complaint received 2015-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

Enhanced Recovery Company has not responded to my letter of validation with the required 30 days so they have not validated the debt in accordance with the guildlines of the FCRA. I have sent them a XXXX letter notifying them that I have not heard from them and request they remove the tag lines from all XXXX CRA 's immediately but have yet to see any results. I have check on the XXXX website and seems that I am not the only XXXX that has had to resort to contacting CFPB concerning this company 's reporting practices and the only way to get resolution to this matter is by contacting CFPB for assistance. They also have not verified with the CRA 's either as my credit reports all still state consumer disputes claim. Your assistance is greatly appreciated.
Consumer complaint received 2023-07-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired XXXX XX/XX/2021.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

XX/XX/ Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Jefferson Capital Systems LLC and XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I am in the process of buying a home. I received a notification XX/XX/XXXX stating that I owed a debt amount of {$830.00} to CONSUMER ADJ CO. I do not nor have I ever had a loan with this company. I do believe this is identity theft. I never received any correspondence from this company as they alleged. I reported this unknown account to the complaint.
Consumer complaint received 2023-07-05
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. (GA)

After reviewing my credit report, I noticed some inconsistencies. XX/XX/XXXX, correspondence by me was sent to Equifax regarding 2 XXXX accounts amounting to XXXX that I do not recognize, which would be considered fraudulent. XX/XX/XXXX, Equifax sent correspondence stating all was accurate. I sent them correspondence again in XX/XX/XXXX adamantly disputing that the information they are reporting on my credit report is inaccurate. XX/XX/XXXX, I filed a complaint with the FTC siting fraud. Since filing a police report in XXXX of XXXXof all the I accuracies on my credit report, much has not been done about it. I hope to get help from your agency.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Receivables LLC (CA)

Employees of Lien Recievables LLC have been harassing myself and my father for a debt collection involving another person. The debt in question is related to someone who had their car towed. I have never owned or registered a car. They started with calling my father last week after they were not able to reach me and he explained that they had the wrong person. They also contacted my mother. Then today they sent me & my father threats of legal action and the documentation of the tow and subsequent lien via text message. The documentation makes it abundantly clear that they are harassing the wrong person. Besides the fact that I have never owned a car, the name, addresses and locations do not match up with any of my information in any way. I told them again that they had the wrong person.
Consumer complaint received 2015-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (LA)

XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report. 


XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote
Consumer complaint received 2016-06-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Our XXXX mortgage was purchased by DiTech Financial. Every payment we made was on time. The HUD government entity XXXX paid off our loan on XXXX XXXX to DiTech. And DiTech told us a refund check for our escrow in the amount of {$640.00} was mailed to us on XXXX XXXX, 2016. As of today 's date we have received nothing. We called DiTech on XXXX/XXXX/16 to make sure the check had indeed been sent out and the customer service rep, XXXX, in XXXX XXXX assured us that the check was sent out on XXXX/XXXX/16, and she verified our address that it was sent to. She said the escrow department was located in XXXX XXXX XXXX. She asked us if we would like her to put a stop payment on the check and have it re-issued. We told her we would be willing to wait one more day, and if it had n't come we would then call back and have a stop payment and re-issue done for us. On XXXX/XXXX/16 there was no check in the mail so we called to have the check cancelled and re-issued. We asked if they would expedite it for us since we are in need of this money and had not planned that this would happen. The person we talked to is XXXX. She said she did not have the power to expedite a payment but she would get us a supervisor. Finally, a person named XXXX answered the phone, Extension XXXX, ID # XXXX, Supervisor. We asked her if she could expedite the check since we were needing it for an upcoming payment and she proceeded to tell us basically that we are SOL. She was not willing to cancel the check and have it reissued without us waiting another 30 days. She would not tell us the bank nor the check # that the supposed check that was supposedly sent to us was issued on. She told us that they did not have an Escrow Dpt. for DiTech Financial, that everything was done through Customer Service. She refused to verify that a check was even sent and said she was unable to do anything to help us. She said that what the XXXX customer service reps. told us was not true, and that they should not have said that to us. We contacted the HUD Government Offices of XXXX and they gave us your name, and said to file a complaint immediately. So, we are doing so. We appreciate any help you can give us, because it is obvious that DiTech does n't care if we receive the check or not. We are attaching a letter that we had received from DiTech, dated XXXX XXXX, 2016, the day they claim our refund check was mailed. We received that letter in XXXX days so had the check been sent that day we certainly would have received it by now, XXXX days later. The letter they sent us was a breakdown of our escrow showing the refund we are to receive. DiTech 's phone # is XXXX. This is all the information we have for you. Our government XXXX Representative 's information is : Administration of Resources and Choices, HUD Certified Housing Counseling Agency, Financial Counselor is XXXX XXXX, Phone # XXXX, XXXX XXXX. Thank you again
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (CA)

On XXXX XXXX, XXXX I set up an account with Bank Of The West. The account was a fresh start account for my son. Upon opening the account, I was informed that after a year of good standing the service fees of {$12.00} a month will be dropped. On XXXX XXXX, XXXX I spoke to a branch manager to have him drop the fees, he informed me that the fees were dropped. On XXXX XXXX, XXXX I noticed the {$12.00} fees ( there have been fees taken out since XXXX XXXX ). When I spoke with a branch manager she stated that my account will continue to be a fresh start account because there was an overdraft amount of {$4.00} in XXXX XXXX. The overdraft fee was paid the very next day. There was a breech of contact because I was lead to believe that after a year of good standing my account will not be considered a fresh start account, which is why I agreed to open this type of account with this bank. I am aware of the XXXX waiver which expressly requires the bank to consider hardship. I am also aware of the banking code, which requires the banks to behave sympathetically.
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : 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 notify FCO 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 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 : FCO 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 SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (GA)

I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.
Consumer complaint received 2015-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NJ)

I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

I am disputing account number XXXX with LVNV Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Radius Global Solutions LLC (IA)

I answered a phone call on my cell phone from XXXX woman asked for XXXX XXXX, as soon as i said this is her she started telling me I owed money for a XXXX bill with absolutely NO verification done! she did not verify an address, date of birth, social security number anything, when i told her at the time of the debt I had insurance and that I have told them that before as well as i have told them until they resolve that issue not to contact me, I also pointed out she was calling my cell phone, her words to me were " well youre the one in collections '' this is abusive. 
I then called back and asked to speak with a supervisor who again didnt even verify me, and said if i verified my name that is enough, I advised her that is not enough verification and asked her if that is their policy she said yes all they need is a name, i told her what the representative had said and how it was abusive and belittling she then told me she could not speak to me because she had not verified me at this point we were XXXX minutes into the conversation, so i asked her for their address for a complaint she said the company name is Central Credit Services XXXX , XXXX MO XXXX