davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (MT)

On XX/XX/XXXX the plaintiff ( XXXX XXXX XXXX XXXX XXXX attempted to cancel the internet service provided by XXXX at the plaintiffs residence. The request was made via cell phone through the customer service number provided by XXXX. After being put on hold for over 30 minutes, the plaintiff decided to bring the equipment and cancel at the local XXXX office located at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX On XX/XX/XXXX the plaintiff returned the equipment consisting of a cable modem, power adapter, and Ethernet cable to the local XXXX office. The equipment was accepted and a receipt issued ( Attachment 1 ). At that time, the plaintiff informed the store manager that he was cancelling service effective immediately.

The plaintiff also cancelled the virtual credit card that had been used for charges from XXXX. The last charge from XXXX for {$79.00} was dated XX/XX/XXXX which was paid by credit card ( see Attachment 2 ). This is a prepaid amount for service from XX/XX/XXXX through XX/XX/XXXX. Since the account was cancelled prior to XX/XX/XXXX, no charges should have been made to the account. 
During the following months, there has been no written communication from XXXX to the plaintiff regarding any discrepancies. On XX/XX/XXXX the plaintiff received a notification ( Attachment 3 ) from CBE Group ( a debt collections agency ) stating that XXXX had reported to them that the plaintiff was in debt for {$79.00}.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

Dear Consumer Financial Protection Bureau, I'm a U.S. citizen previously residing in XXXX, Maryland, and currently living in XXXX, Texas. I am writing to formally lodge a complaint against Wells Fargo for unjustly closing my accounts and reporting a delinquency that has severely impacted my credit score. 

For the past XXXX years, I have maintained both checking and savings accounts with Wells Fargo without any issues. However, due to a sudden and severe family emergency, I had to leave my job and travel to XXXX to care for my critically ill mother, who suffers from advanced XXXX XXXX XXXX and is now fully dependent on me. 

I want to emphasize that XXXX is a dangerous place for U.S. citizens, which has further complicated my situation. Despite the risks, I have been forced to remain here to provide care. During this time, Wells Fargo requested my citizenship documentation and a signed XXXX XXXX form. While I provided the citizenship documentation, I sent an email explaining my emergency situation instead of the signed form, as I was uncertain how long I would need to stay in XXXX until my mother 's green card application was approved. 

Wells Fargo responded by repeatedly instructing me to call them, despite my clear explanation of my inability to do so due to the circumstances. After asking my brother in XXXX to contact the bank on my behalf, the poor communication left me in the dark. I received no clear answers about whether my reasons were accepted or if my accounts were still active. The lack of communication and support from Wells Fargo has been deeply distressing. 

Moreover, I had to leave my position at XXXX XXXX XXXX and put my medical residency application on holdsomething I had worked tirelessly for over several yearsdue to this unexpected and urgent situation. 

The sudden closure of my accounts has severely impacted my financial life. All my debts and rent payments were linked to my Wells Fargo checking account, including automatic payments for a loan from the same account. The closure caused a delay in transferring my debt payments to another account, and despite making up for the delayed installment and paying the current one, Wells Fargo reported a delinquency to the credit bureaus. As a result, my credit score plummeted from XXXX to XXXX overnight, even after I paid XXXX installments together. The delinquency report remains on my credit history, further damaging my financial standing. 


Given my current circumstances in XXXX, the best and safest way to communicate with me is via email. If a phone call is necessary, my brother in XXXX can be contacted on my behalf. 

Please let me know if you require any further information or documentation. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing to formally file a complaint against Truist Bank concerning an unresolved issue with a legal check in the amount of {$55000.00}, which I deposited on XX/XX/year>. 

On XX/XX/year>, Truist Bank rejected the check despite verification with the issuing bank that confirmed the checks validity and availability of funds. However, as of XX/XX/year>, I have yet to receive the reissued legal check or any resolution from Truist Bank. 

As you may know, under U.S. law, specifically the Uniform Commercial Code ( UCC ) and other relevant banking regulations, banks have an obligation to process checks in a timely and accurate manner. When a check is determined to be valid, the bank must either honor it or provide a clear and timely explanation if they choose to reject it. Furthermore, if a bank refuses to process a legitimate check, they are typically required to reissue the check or otherwise ensure that the rightful payee receives the funds without unnecessary delay. 

Truist Banks failure to reissue my legal check or provide an adequate explanation violates these legal obligations and has caused me significant financial hardship. The delay in accessing these funds, which are rightfully mine, is unacceptable and contrary to the consumer protections afforded under the law.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (KY)

I have a XXXX XXXX XXXXXXXX that I bought brand new and financed through KIA Finance Company. I have never been late, nor have I ever missed a payment in almost 4 years. I decided to refinance my car through AutoPay in XXXX. It would drop my payment about {$110.00} or so per month. I turned all my paperwork in and played the waiting game for both companies to get the car paid off and switched over etc. I notified KIA three different times that I was refinancing. KIA goes and reports my last month late on my credit. That cost me around XXXX points. Making me look like I don't pay my debts on time and making me look bad to future creditors. All because I didn't pay my payment to them for the final month. Which they would have had to refund back to me anyway since all my paperwork with AutoPay was completed and waiting to be transfered over. I was a good customer and didn't deserve that from KIA. Especially since I openly communicated to them about the refinance. Please, remove the late payment off my credit reports for the month of XXXX.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (FL)

XXXX " Law firm '' XXXX XXXX XXXX contacting Regarding XXXX. This agency has been calling. My Son, sister in law, neighbor, Son 's girlfriend and My workplace. Boss handed me a message. On a disputed debt from years ago. They are recorded as stating they plan to " serve me " at work yesterday. I spoke with them yesterday and today, still calling, still no papers. Still have not been served. Told them stop harassing me and STOP calling work, neighbors and people I do not know. They are giving out my address and name. I have not gotten information or detail. They just need to cease and desist at once before I collect XXXX each recorded incident. Prove who I owe and what.. or leave me alone.
Consumer complaint received 2024-08-16
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: Resurgent Capital Services L.P. (SC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear LVNV FUNDING LLC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically South Carolina Code Section 16-13-490. 

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX state law, specifically Section 34-11-110 of the XXXX XXXX  Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as XXXX XXXX Code Section 16-13-490, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 34-11-110 of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

I currently have XXXX outstanding private loans that originated from my time at XXXX. I have applied for the school misconduct discharge but was denied. I felt that I was preyed upon by XXXX at the time I enrolled and incurred a large amount of debt. XXXX is XXXX of the schools have have been found guilty during a class action lawsuit for using predatory means to acquire students. XXXX of those students was me, being a first generation higher XXXX student. These loans have been a huge financial burden for me and my family. I am currently in a XXXX XXXX XXXX due to my financial situation. I also have a filing with the department of education for misconduct on my federally held loans as well. I would like my application to be reconsidered and given a reason of why I was denied in my first application.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OK)

I have reported the identity theft incident to the appropriate authorities, including : - Local Police Department : XXXX  XXXX Police Department, located at XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX. I spoke with Detective XXXX XXXX # XXXX Phone number XXXX As a victim of identity theft that occurred between 2008 and the present, I have experienced severe fraudulent activities perpetrated by the thief using my confidential, personal, and private information. The individual, using various names like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and any other spelling variations derived from my family legacy name, has engaged in unauthorized activities. 

The thief has unlawfully utilized my digital signature, along with the social security number, to carry out several deceitful actions. These actions include making registrations, credit/loan applications, and manipulating certificates of live birth and birth certificates. The most alarming aspect is the creation of marketable securities such as stocks, bonds, notes, leases, or other financial instruments, without my consent. 
This incident has caused me immense distress and concern for my financial security and personal integrity. I demand immediate action to investigate and put a stop to these fraudulent activities, and I seek justice to hold the perpetrator accountable for the harm caused to my reputation and financial well-being. I will cooperate fully with law enforcement and any relevant authorities to resolve this matter swiftly and protect myself from further harm.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (WI)

I was included in the scam that Wells Fargo had going on between XXXX ( approx )... I was never approved for the loan modification and now I get a letter indicating that the loan was approved [ this is not correct ]. Wells Fargo sent me a check for {$1500.00} apologizing for the inconvenience. This is literally a slap in the face! I know that I am owed more than this!!!! Here they go again trying to XXXX me over. And I would like to know about this pretend approved loan modification that was granted to me. I was notified that I was not eligible many years ago. 

Cordially XXXX once again!!!
Consumer complaint received 2024-08-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (NV)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Subject : Request for Debt Validation and Deletion Dear Sir/Madam, I am writing to dispute and request the deletion of the debt reported on my credit report by XXXX XXXX XXXX. The details of the debt are as follows : - **Original Creditor : ** XXXX XXXX XXXX XXXX - **Account Number : unknown - **Amount : ** {$390.00} - **Reported Date : ** XX/XX/year> I dispute the validity of this debt and assert that it is not mine. Please provide the following information to validate this debt : XXXX. **Proof of Debt Ownership** : Documentation showing that XXXX XXXX XXXX has the right to collect this debt on behalf of XXXX XXXX  Loan. 
XXXX. **Details of the Debt** : A detailed statement outlining the original amount, any interest or fees, and the total amount claimed. 
XXXX. **Information from the Original Creditor** : Proof from XXXX XXXX XXXX confirming the details of the debt and linking it directly to me. 
4. **Account Documentation** : Records showing that this debt is associated with me, including account numbers and any transaction history. 

If you are unable to provide sufficient validation within 30 days, I request that you remove this account from my credit report and cease all collection activities. 

Please confirm receipt of this letter and your actions taken to resolve this dispute. I expect a written response addressing this matter promptly. 

Thank you for your attention to this issue.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TX)

I am a victim of identity theft. The fraudulent accounts are BB & T accounts ending in XXXX. I have attached my police report and FTC identity theft report. Please delete the account from all XXXX credit bureaus or if applicable, send me your fraudulent account affidavit so I can have it notarized and sent back to BB & T.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (HI)

I do not believe I owe this debt at all and they are claiming that I owe them. This is damaging my credit worthiness, credit capacity, and credit standing. I demand they remove this information from all of my consumer reports.
Consumer complaint received 2023-11-21
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. (IL)

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 the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex gift card for {$27.00}. However, when I enter its information to use it in well-established, secure places such as the XXXX XXXX XXXX, I receive error messages. Upon doing research online, I have found countless others who have experienced the same problem and report that Amex representatives offer no solutions when they call.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (AL)

I am REWRITING to AMERICAN CREDIT ACCEPTANCE to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/1976. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I combated LVNV finding via online portal and to no avail. They are fraudulently trying to collect on a debt that was a result of IDENTITY THEFT and the original creditor was made a aware of this before and the minute I told them they sold it over to another agency and then told me they no XXXX  no own anything to do anything. Then I turn around and LVNV finding has this same fraudulent account that has been already previously documents FRAUD on my credit report. I am in the military and never authorized nor opened any account with this company and never signed any contacted with LVNV nor the original creditor who already knew this was fraud. I dont even live at the address listed on the account. At this point if this is not removed from my credit report and out of their system I will contact my military leads for an attorney and sue this LVNV company for knowingly tryi n to collect ona. Fraudulent account. Two identity thefts reports were filed in XXXX XXXX and XXXX when I came back from XXXX and somehow this company still ended up placing one of the fraudulent accounts on my credit report when all other banks ceased and desist knowing they were FRAUD.
Consumer complaint received 2023-11-21
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. (NJ)

I have been disputing fraud ACCOUNTS on my credit report. The ACCOUNTS are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent ACCOUNTS affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the ACCOUNTS claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! XXXX XXXX XXXX XXXX XXXX You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the ACCOUNTS immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX