davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CO)

To DISCOVER CARD in reference to your response from CFPB Hello, I would like to respond to some of these claim in your response : On XX/XX/, you spoke with a Discover representative regarding account activity. We note you shared intentions to buy gift cards for someone, the representative advised you of the possible scam, and you shared intention to use the entirety of your credit line along with questions involving frequency of verifying account activity. 
Response : I did purchase gift cards but there is no record of me stating that I would want to use the entirety of the credit line for this. In terms of the transactions with the other merchants, I have no idea what that is. There is no way that my balance of XXXX is accurate. I did purchase a few gift cards but in no way does it add up to that balance. I received the bank statements from you and it does not reflect. Also, the merchants that I am disputing are not related to these gift cards. 

On XX/XX/, you withdrew your fraud claims, taking financial responsibility for the transactions previously disputed as fraud. Notice of this action was sent to you and a copy of the letter has been enclosed. Subsequently the account was debited, reapplying the transactions to the account balance Response : Yes, this is accurate because I opened up an identity theft case and I was advised by a legal team to say that. However, I called a few months later and said that I wanted to reopen this investigation. Note, you already added all the correct provisional credit back into my account before I requested this case to be closed because you determined that it was fraudulent. After I knew that I was not going to be in any legal trouble and there was nothing that would happen : I wanted to reopen the case and I requested multiple times but you kept saying that I was now responsible for the transactions after you credited the account and determined it was fraud which is absurd and wrong. 

I did not authorize these transactions and I should not be responsible for this balance. I will continue to fight this and can provide you with whatever necessary.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (TX)

I am the author of this complaint and I have attached my ID and Social Security Card for verification. I checked my credit report and noticed some fraudulent, inaccurate, and incomplete information. I will list these accounts below ; please conduct a reasonable investigation and DELETE these accounts off my credit report XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX ) XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX. U S DEPT OF EDXXXX XXXX. DP OF EDUC XXXX. XXXX
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care .... 
Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with them ....
Consumer complaint received 2023-06-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I disputed this item several times on my credit file and it was removed this account has a co-signer which happens to be my ex wife. During the divorce my ex wife was awarded the vehicle. After the vehicle was awarded to her she lost the vehicle to a repossession! After the car was repossessed I was still getting late payment on my credit file which is against the law I can not be late on a vehicle I no longer have or am responsible for! Not only do I not have the vehicle or responsibility to it! It was disputed and removed unfortunately it has returned! The problem is that I shouldve have been notified 5 days prior to it returning to my report I was not!
Consumer complaint received 2023-07-06
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. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

I was XXXX  in XXXX  and that entire year a " friend '' XXXX XXXX, got control of my phone, thus online connection to my USAA bank account and got her self added to my account. She stole over XXXX and the bank only reimbursed me for the money she took by swiping a debit card. Not reimbursing me for the multiple XXXX wire transfers or XXXX  transfers.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, when I received my Bank of America XXXX credit card statement, I noticed over XXXX dollars in credit card charges that were not mine or my business partners. I contacted the credit card immediately. They asked me if I had the card and I told them that once I saw the statement I went to look for the card and realized it was XXXX stolen ; reporting the card was no longer in my possession. The XXXX XXXX asked me the last time I remembered using the card and went over the list of charges. I identified what charges were unauthorized and fraudulent. I was assured it would be resolved and was sent a new card. I asked the agent If I should make a payment on the valid balance and she advised me that I should make the payment before the billing due date to avoid interest. 
A few days later I received my new Bank Of America XXXX XXXX card and noticed the charges were taken off. A month later in XXXX, I noticed the fraudulent charges back on my account. I called a fraud XXXX and they told me it was because I made a XXXX dollars payment after I reported fraud. I explained to her I owed that amount and was told to make that payment, but that the fraudulent charges weren't mine. She stated she understood and re-disputed the fraudulent charges. A month later, I received another letter stating I was still liable. I called and they said because I didn't report that my card was missing and the chip was used. I explained that I did report the card was missing and to in my possession. The new fraud person researched and saw that and said he would refile the dispute. I waited and was told that I was liable just because and it was final. I continued to dispute and told them they were not honoring their fraud protection guarantee and that I would not be paying the fraud charges. They said I had to. So, now I am reporting it here.
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc. (NV)

My daughter was enrolled once at stepping stones ( XXXXXXXX XXXX  ) location. I promptly gave a two week withdrawal notice and was later sent to collections stating I never did so. In XXXX, I worked directly with the collection company sentry to resolve such debt. I made all payments as agreed and confirmed they received all checks that show as cashed via direct bill pay. I spoke with Sentry regarding this new account placed on my credit and they state the daycare sent them another account for me. My daughter was only enrolled here once. I contacted the daycare twice and spoke with XXXX who could not provide any information regarding this debt she then gave me the corporate office number. I called the corporate office number and after explaining the situation that I have no debt with them and need more information she proceeds to tell me she is not in the office which I knew because there were dogs barking in the background. I go into the office on last Monday and I am trying to get information and 1 lady tells me that they are too busy serving kids ice cream and I need to come back. The nice lady XXXX XXXX steps in to tell me they are being evaluated by the state and it will be weeks before anyone can explain what this debt is for or about. A total of 7 checks paid out the account in the amount of {$87.00} which that account with Sentry was Paid in full in XXXX. Also, I spoke with Sentry and they have been unable to provide an itemized bill for this alleged 2nd account sent to them by XXXX XXXX.
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NC)

I paid off my XXXX communications bill on XXXX XXXX, XXXX, and I received a collection notice on XXXX XXXX, XXXX. I contacted the bill collector, who indicated that they had no record of payment, and then I contacted XXXX, who had no record of payment. I researched my XXXX XXXX XXXX bank statements and found a record of an electronic payment for the exact amount due. These harassment tactics are oppressive.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/XXXX - XX/XX/XXXX there was more than {$25000.00} withdrawals from my unemployment account they did various fraudulent transactions to which I made the company aware
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (FL)

I sent a letter to Experian and XXXX to correct incorrect information that is showing on my credit report. Both companies are refusing to delete the incorrect reporting information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. Both companies have been given several chances to update the information. Instead, I am getting that the accounts have been verified. How can an account be verified when the information reporting inaccurate. XXXX disputes on this account was done on XX/XX/XXXX andXX/XX/XXXX Each time the information came back verified. Experian disputes was done on XX/XX/XXXX XX/XX/ and XX/XX/XXXX 

According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : Acceptance now and
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Resurgent Capital Services L.P. (CA)

that this company has continual put this debt on my credit report witch i do not owe them that they have reported wrong dates and information that it is out of date and i have no debt with them
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CO)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. ()

Hello, my name is XXXX XXXX and I have a problem with XXXX because, on XX/XX/XXXX I had a trip back to my country XXXX for XXXX matters. The same day I called the XXXX company to terminate my phone service from the number XXXX XXXX XXXX XXXX, so the agent gave me the confirmation and removed the automatic payment from the account since according to his instructions I should not make another payment. 

On XX/XX/XXXX I return to the United States and I find myself with the surprise of a {$XXXX USD charge from XXXX, which I was unaware of since I never received any billing or collection mail from my account. Given this I need the company to release the Total Amount of debt now because they did not do the work to close my line when I requested it. 

Translated with XXXX ( free version )
Consumer complaint received 2023-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Today XX/XX/2023 I read the close complaint that stated we no longer need help with our mortgage. The complaint no. is XXXX. That is NOT TRUE. I call XX/XX/2023 for the status of the Loan. I didn't see no notes in the systems that stated XX/XX/2023 date Covid19- Forbearance would end associate said he could extend it by removing the XX/XX/2023. I said okay. This morning I look the account up and it was no notes in the system the only thing that was there was XX/XX/2023. It didn't say what XX/XX/2023 meant. I immediately tried to get in touch with a customer service an inform them to put the Loan back into Covid-19 Forbearance for XX/XX/2023. A previous customer service stated it was there. I went on line and did a history to pull it up, but I didn't see one. Nor, was a history stating I said close the account. I was on Carrington 's website and I didn't see any information telling Carrington to close the account. Since I didn't see anything and after this complaint was close. I am sure this is a miss understanding. I'm hoping once the error is corrected I will be able to go back to Carrington 's website so I will be able to physically see it in the timeline. follow the timeline. I see it didn't take the Resolution Specialist long to take advantage of the error by staying I said every thing was fix and closing out that complaint. 
I kept calling trying to get a customer services, but the recording stated the office was close. As of XX/XX/2023 I am asking Carrington Mortgage to put this Loan back into Covid -19 Forbearance until XX/XX/XXXX, XXXXWhere it was originally to started. Per Customer service.
Consumer complaint received 2016-02-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (OK)

They are saying that i need to pay or they will send me to court. Fistr they said they were calling from the county then they said they were from the city council.. and that they have a dock number and they need to serve me papers.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Hi CFPB customer service team, I am a victim of a fraud/scam. I accidentally use XXXX linked to my checking account to send out {$1000.00} this early morning XX/XX/2023 around XXXX. The recipient got my payment and refused to deliver the concert ticket as promised. I realized that it's a fraud/scam and immediately reported to my bank Wells Fargo this XXXX opening XXXX dispute cases # XXXX and # XXXX. Besides filing the dispute, I also urged the bank to request a chargeback and attempted to cancel the transaction as it showed pending status. However, the bank informed me that it will take up to 5-10 business days to get someone assigned and to investigate. I told them the process is too slow as it happened on the weekend night and the fund is possibly being drained by the recipient already. I am asking your assistance to urge Wells Fargo to look into this dispute case as soon as possible and work on the chargeback request and also attempt to cancel/reverse the transaction on my behalf so I can get my {$1000.00} back. 

The recipient uses XXXX ( XXXX XXXX XXXX as XXXX ID.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (PA)

I don't know why this is showing up on my report. I was offered a line of credit when I was considering dental work years ago but never signed up for anything. This is fraudulent. I did not receive any correspondence about this, never used credit care so why is it even on my report? I don't know anything about this account and I need to be deleted from my credit report. 

Also the report shows current on payments .... I have never made a single payment to this company so again this is completely inaccurate.
Consumer complaint received 2023-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

Account date open : XXXX Account name AWA COLLECTIONS Account number XXXX Balance : {$5.00}, XXXX Original balance : {$4300.00} No knowledge of this debt, no valid contracts with lender, has impacted my credit negatively thisnwas also during then time I had fraud alerts due to idenitty theft so account should have no been opone with out credit application being verify with proper identity theft alerts process.
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CUSTOMERS BANCORP, INC (NC)

I took a XXXX loan out through kabbage and have been caught up in the k-servicing fiasco. I applied for XXXX forgiveness in 2021 which k-servicing never correctly processed. My XXXX loan information was supposed to be sent to XXXX for review when K-servicing declared bankruptcy and transferred servicing to customer 's bank. Customer 's bank illegally drafted XXXX from my XXXX account without my knowledge not authorization resulting in an overdraft. 

They had no legal right to draft my account and they were already informed that I was not paying a dime until the XXXX process was complete. I demand the money be refunded and my XXXX bank account information completely removed from their system.