davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I have been working since XX/XX/XXXX when this whole nightmare began. I received a phone call from Wells Fargos customer service number. When I answered the guy on the other line began reading off legit transactions from my checking account. I just had fraud issues the week before so I thought great they are helping me stay ahead of it. The guy on the other line ended up walking me through what I thought was signing me up for fraud alerts on my phone. Little did I know he had wired almost $ XXXX to himself. During this phone call he had compromised my phone by forwarding all incoming and outgoing phone calls. I provided Wells Fargo with these call logs that were provided by my husbands XXXX XXXX XXXX rep for his company that clearly shows that my phone was compromised. I had to bring my phone into an XXXX XXXX XXXX branch just to get my phone reset. I reached out to my local police department that provided Wells Fargo with a full police report stating that my phone was indeed compromised. When I was contacted today to tell me yet again that my claim is being denied the Wells Fargo rep said that it is almost impossible to get an official report from XXXX XXXX XXXX. I dont know what else to do. Please help me! I need my money back and I have provided more than enough supporting documentation to show that my phone was compromised to Wells Fargo to get my money back yet they just keep denying me. I have been fighting this for over two months now.
Consumer complaint received 2019-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MD)

the company said I ordered clothes from them, I am XXXX years old and these clothes are women 's clothes, I did not order anything from these people. I do not ware woman 's clothes. I have contacted them many times, but they say I owe them {$230.00} on one account that is country door from XX/XX/2015. and another account called XXXX for {$250.00} from XX/XX/2015 .I asked them to prove I signed anything or signed anything .they cant or do not send me anything. both of these company 's share the same address of XXXX XXXX. XXXX XXXX, WI, XXXX thank you in advance for helping me. I have never received any thing from these company 's.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

To whom it may concern on XX/XX/year> I wrote to you requesting validation in an investigation into items that I believe were inaccurate. To date, I have not received my such validation. The only reply from you was a letter from a statement, from XXXX in my previous request directly to you I listed the reasons for disputing the information and requested validation. yet again you have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately.be advise that the description of the procedures used to determine the accuracy and completeness of the information is here by requested. Additionally, please provide the name and address and telephone number of each person who personally verified this alleged account so that I can inquiry about how they verify without providing any proof bearing my signature.As per FTC opinion letter from XXXX XXXX  XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification I am again formally, requesting a copy of any documents, burying my signature, showing that I have a legal binding contractual obligation to pay you the alleged amount. be aware that I am making a final goodwill attempt to have you clean up this matter the listed items is inaccurate and incomplete, and represents a very serious error in your reporting I am maintaining a careful record of any communications with you for the purpose of filing a complaint with the Consumer Financial protection, XXXX and the Attorney General office should you continue in your non compliance of federal law under the fair debt collection practices act, the fair credit reporting act corresponding local state laws I further remind you that you may be liable for your willful non compliance. failure on your behalf to provide a copy of any legal contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of XXXX  in damages per violation. defamation, negligent enablement Of identity fraud. violation of the fair debt Collection practices act ( including, but not limited to section XXXX078 ). Violation of the fair credit reporting act. ( including, but not limited to section 623 B ) you will be required to appear in a court venue local to me, In order to formally defend myself
Consumer complaint received 2023-03-15
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
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: Santander Consumer USA Holdings Inc. (MD)

Two years ago I found out that a car I cosigned for my daughter which was totaled had an amount still outstanding. XXXX paid it off except for about {$1200.00}. I was wholly unaware of a deductible because I was a silent party to the deal. Once I found out about it through my credit report, I contacted the company who wanted to settle it. I refused to settle it and wanted to pay it in full show that it was reflected in my report. They had it showing as a charge-off. I contested it because I never received notice of it. They had my address and license ( and did the deal via telephone ). I signed and sent paperwork via XXXX. Because they had my address as a co-signor, the representative agreed to reflect it differently as paid in full and not as a charge-off. They sent me a letter stating so ( attached ) and changed it which allowed us to be able to purchase our home. Now 2 years later, we found out it is again reflected as a charged-off account. We do not know why they reverted it to charge-off status. After calling them and trying to speak with someone who could help, we have decided to open the matter with you. We can not open a dispute because the bank ( s ) will not do a deal with open disputes. We had to rectify something that looked like a dispute on my husband 's record from 15 years ago that had already been taken care of. We do not know how these records keep reverting back with old information or erroneous information. But now time is of the essence. We were supposed to close this Friday and the second bank backed out because they won ; t do business with anyone with a charge-off in the last 5 years. I am being deployed on XX/XX/XXXX and can not take care of business while away. CAN you help us? Time is of the essence. I am attaching the paper work.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Profit Services Group (NC)

I received XXXX phone calls within XXXX hours about a debt that I have apparently owed for over XXXX years but have not received any mail notification of at my present or prior address and have not spoken to anyone about until the first phone call last night where I felt attacked. I was threatened to have to pay almost {$1000.00} by Friday or they are going to continue with legal action. How is this right?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-19
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have 2 late payments XX/XX/XXXXand XX/XX/XXXXthat was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

This company : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is reporting a collection that states it was opened 4 months ago : Opened XX/XX/XXXX ( 4 mos ) - {$2000.00} I did not open any accounts on this date. It appears that bought a XXXX debt from XX/XX/XXXX that has been resolved and removed from my credit report. It is back and they are trying to re-open the file with a new date to re-start the statue of limitations and collect again. 

XXXX Reported on XX/XX/XXXX - {$2000.00} This collection is fabricated and needs to be removed from my credit report ASAP.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CU Recovery, Inc. (OK)

I overdrew my bank account in XX/XX/XXXX and received a letter from CU Recovery collections. I called them to inform them the payment would be made to the bank not the collections agency. Afterwards ( the same day ) I verified this at my local bank with the bank manager and was ensured I could pay at the bank and no penalties would be levied against me. Again today XX/XX/XXXX I got another letter stating I owed the full amount when in fact I have paid down the original debt of {$420.00} to {$170.00}. This company is trying to collect the full amount AFTER being informed that they would not be needed.
Consumer complaint received 2019-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I have a credit card with American Express. And I have made 500 to {$1000.00} dollars payments in one lump sum more than one time. and they will not report that to the credit reporting Bureau. And I think that's wrong. And I would like for them to report those payments for those months that I made to the credit reporting Bureau. They only report my payments as XXXX dollars and I have made way over that from the day. I've had this card. And that's unfair Credit Reporting practices I think.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

A credit card for XXXX XXXX XXXX, through Synchrony Bank, continues to not send me paper statements, even though I have not signed up for paperless statements. I know this because Synchrony seems to be the only bank that denies customers the right to view a pdf file of their statement unless they sign up for " eStatements ''. I have sent multiple internal messages to Synchrony trying to resolve this problem. I have not received paper statements for four months, nor can I reprint a statement. Internal responses to my messages claim that there is a " temporary hold '' on my account, for an unknown reason. There have been no other attempted purchases on this account by me or any members of my family. This account also has a deferred interest plan, so if I miss a payment, or do not pay the balance off on time, they will charge me interest. I feel like this is an ongoing attempt by Synchrony for us to miss a payment and charge us fees and interest.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolid
ate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College vXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ),  you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX University that gave you the right to collect this debt
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NC)

In XX/XX/2023 I purchased a Vanilla Gift card at XXXX XXXX XXXX store for {$130.00}. Before I got a chance to use the card the balance was {$0.00}. I went to the transactions for the card online and saw there were 4 purchases made ; 2 to XXXX for {$50.00} each and 2 and XXXX for {$25.00} and {$8.00}. I put in a dispute about the unauthorize charges but only to receive a letter stating that there's nothing that can do and closed the dispute. 

I called Incomm Payments the same day I received the letter of denial an asked what did the investigation consist of. I was told they could no longer pull my account up because it was closed. I told the customer service rep that wasn't fair to me and I'm just suppose to except their findings? Well not me, I did my own investigation. I called XXXX about the transactions that was made with the gift card, gave them the order number and 2 gift card was purchased for XXXX XXXX XXXX and mailed to XXXX, Massachusetts and I live in NC. I did not get any information from XXXX because I did not have an order number. 

Looking at this company 's reviews, they are not a good company to purchase anything from. For all the reviews I saw, no customer was happy.
Consumer complaint received 2019-05-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello CFPB, I am XXXX XXXX had a credit card with the Bank of America card ending XXXX however I called and spoke with someone not remembering her name unfortunately. She helped me to closed the account with XXXX   balance and later I received email from BoA noticed that I still had a balance {$17.00} I ignored the bill because it could be an error because I was told my account is XXXX  at the time I wanted to pay off the balance. I saw BoA 's report appeared on my credit agency this is not fair for consumer. I chatted with BoA regarding the open balance {$17.00} on XX/XX/XXXX her name is XXXX XXXX asked me to pay I did pay off the {$17.00} but I do not agree but accepted to pay. This situation does not sound fair to consumer how BoA keeps bearing the open balance even it was XXXX balance ( paid off ).

Below is our chat conversation made on XX/XX/XXXX : You : as I said I want to pay full mean no bearing amount due in future XXXX XXXX : Correct. I am able to set up the payment today for XXXX/2019 and the pay off amount will leave the account with a XXXX balance once it closes the cycle on XXXX/2019.
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

I XXXX XXXX bought a truck XXXX XXXX XXXX  XXXX XXXX  XXXX Mileage XXXX XXXX Color VIN : XXXX on XX/XX/XXXX. Salesman XXXX and Manager XXXX. Location : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I discovered that This truck was Total lost reported on XX/XX/XXXX. This Dealership sold me this truck as in good conditions. Total Amount Finance {$23000.00}. Finance Charged : {$15000.00}. Total Sale Price : {$41000.00} When I tried to Refinance This truck because is to high my car payment. The Finance company printed out my vehicle history report in XXXX I was informed that this truck value is not according the amount I owed. I am the third owner of this vehicle. How can be possible was not Report it to Department of motor vehicle. I am doing my truck payments to Westlake Financial Services XXXX : XXXX XXXX XXXX XXXX XXXX, California, XXXX.
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

CAVALRY is attempting to collect on the judgment that is not mine. Judgment was filed back in 2010 and lined my property this is Not my account!!! I tried to dispute this with Cavalry, but they refuse to investigate or send me proof why they decided to lien my property for someone else 's debt ... Instead now they are harassing me for the payment..Now they started calling my work, even my ex and threatened to arrest me if I didn't pay the amount right away ... I attempted to contract the law firm who furnished the lien but they are NO longer in business or DO NOT exist as I was not able to find any business license under XXXX XXXX XXXX XXXX at all. this is fraud and should be stopped please help