davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I am writing to file a complaint against USAA regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the USAA website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
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: SANTANDER HOLDINGS USA, INC. (AL)

I am REWRITING to XXXX XXXX XXXX to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. 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 2023-10-03
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. (PA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (WV)

My son passed away in XX/XX/year> and he left me with his final pension check. My ex son in law and XXXX XXXX XXXX XXXX had trouble getting my birth certificate so I can get a new ID to cash the check in question for {$1500.00} Either send me new check or do direct deposit. I give my son in law and XXXX XXXX XXXX XXXX XXXX my written permission to handle this matter. He can be reach at XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/XXXX I had three days within a six day period of fraudulent activity in my account. On ( XX/XX/XXXX ) I noticed transactions that I did not initiate in the amount of around {$300.00}. As soon as I realized it that morning I contacted Chase and cancelled my card. A claim was not even necessary to make and they credited the money back into my account within hours. 

Two days later ( XX/XX/XXXX ) I received a notification asking me if I was initiating a {$100.00} payment to XXXX 's. I responded no. After looking at my account I then realized that 5 transactions in the amounts of {$200.00} were made to XXXX ( 4 in Indiana, 1 in Idaho ). I live in Georgia and did not initiate these transactions. I was perplexed as I had not even received my new debit card in the mail. I immediately contacted Chase, and they transferred me to the claims department where I made a claim. 

The next Monday morning ( XX/XX/XXXX ) I realized that another 4 transactions to XXXX in the amounts of {$200.00} I did not initiate were taken out of my account. Again, I immediately contacted Chase, made another claim, and decided to go to the bank. 45 minutes later before I even went into the bank those funds in the amount of {$800.00} from the claim of that morning were credited back to my account. I spoke with a manager and he recognized all these transaction as fraudulent. 

Within a few days the outstanding of {$1000.00} from the previous Friday night were " temporarily '' credited to my account. Fast forward a week and or so and that {$1000.00} claim was reversed ( money taken back out of my account ). I immediately contacted chase was directed to the claims department and they told me that based on their investigation they could not prove that it was fraud. Furthermore, they put the responsibility on me to send them " proof '' that it was fraud. I inquired what information I would need to research and they did not give me any clear response. The claims representative would not connect me to a manager and only gave me a fax number or address to send the " proof '' I found that I did not initiate the transactions. 

I then went into the bank to talk with the representative I spoke with weeks ago. He called the claims department himself, communicated with them how obvious it is that the transactions were fraud, and the verdict remained the same. It would be my responsibility to reach out to XXXX and acquire proof from them that I would then need to send to my bank just to reopen the claim. 

I contacted XXXX and they were unable to provide me with any receipts or any information at all. Im taking action by reaching out to you in hopes to resolve this matter.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PR)

**Subject : Urgent Notice of Dispute** To Whom It May Concern, I am disputing the inaccurate closed accounts and charge-offs reported by Radius Global Solutions LLC XXXX This data is incorrect and violates several laws : 1. **Privacy Violation** ( 15 U.S. Code 1681a ( 4 ) ) : Reporting my private information without consent is illegal.

2. **FDCPA Violations** : - **False Reporting** ( 15 U.S. Code 1692e ) : Misleading information suggesting I owe debts I didnt incur.

- **Unfair Practices** ( 15 U.S. Code 1692f ) : Deceptive reporting of positive balances while claiming I owe money.

3. **FCRA Violations** : - **Accuracy** ( 15 U.S. Code 1681s-2 ) : Unvalidated and incorrect information.

- **Permissible Purposes** ( 15 U.S. Code 1681b ) : No consent for reporting.

**Immediate Action Required** : Remove all fraudulent entries from my report. Send copies of the documents used for verification. Under FCRA 605B, this must be done within 4 days.

Failure to act will result in legal action. The matter is under FTC and CFPB investigation. 

Address this immediately. 

Sincerely, Radius Global Solutions LLC XXXX XXXX XXXX XXXX, MN XXXX Account # XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

XXXX, I am filing yet another complaint against your company. I continue to request your attention to this matter. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX XXXX is reporting a debt from XXXX that is a result of identity theft. Please block this information from my credit report immediately, pursuant to section 605B of the Fair Credit Reporting Act you have four days, Please send the required notifications to all furnishers of this information and send me an updated copy of my credit report.
Consumer complaint received 2024-08-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Fate Texas Laws Dear PORTFOLIO, I am writing to address 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 ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . It has unequivocally come to my attention that PORTFOLIO 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, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for PORTFOLIO 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 PORTFOLIO immediately ceases 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 Sections 392.301 and 392.305 of the Texas Finance 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, Texas state law, and identity fraud laws. 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 PORTFOLIO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Doneingoodfaith.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

In accordance with Fair Credit Reporting act these accounts have violated my rights Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (NJ)

Notice of VIOLATED Rights Under 15 U.S.C. 1681 : Privacy Rights : I have the right to privacy under 15 U.S.C. 1681, Section 602 ( a ).

Limitations on Consumer Reporting : As stated in 15 U.S.C. 1681b, a consumer reporting agency can not furnish an account report without my written instructions.

Reporting Restrictions : 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including in a consumer report any adverse information older than seven years, except records of convictions of crimes.

Accuracy of Information : According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), no person shall furnish any information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Statement of Violation : I have never given authorization or permission to report to any credit agency, and I do not have an account with this agency. According to the statutes mentioned above, my rights have been violated.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

XX/XX/year>. 
To whom it may Concern I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account name ; XXXX XXXX XXXX. 
Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NJ)

I am writing to formally request your assistance in resolving a critical issue involving a disputed transaction with XXXX XXXX. On XX/XX/2024, I attempted to withdraw a total of {$600.00} from a XXXX XXXX ATM located at the XXXX XXXX XXXX XXXX using my XXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX Specifically, I made XXXX withdrawal attempts : XXXX for {$200.00} at XXXX PM and another for {$400.00} at XXXX PM. Unfortunately, the ATM failed to dispense the requested funds. 

This situation has placed me in a severe financial bind, as I needed that money to pay for my rent, bills, and essential living expenses. I immediately contacted both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report the issue and was informed that the resolution process might take up to XXXX days. I emphasized the urgency of my situation, but was told that I would still have to wait. 

Given the immediate and pressing nature of my financial obligations, I am unable to wait for such an extended period. Therefore, I am reaching out through this platform in the hopes of expediting the resolution of my case. I respectfully request that the matter be addressed as quickly as possible, as the delay is causing significant hardship. 

Thank you for your understanding and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was just looking over my credit report and found some information about history payment/rating, inaccurate balance, date of last activity, dispute status, inaccurate credit remarks, unaccrued balance that is incorrect. 

Also under FAIR CREDIT REPORTING ACT for these accounts 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 HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 : STATE I HAVE TO RIGHT TO PRIVICY.

15 U.S.C 1681 SECTION 604 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

We have a checking account with Wells Fargo. 

Back in XXXX of 2024, the rent check of {$10000.00} we mailed to our landlord was stolen and the thief altered the payee name and cashed the check. Later on, we found out the check was cashed/deposited at XXXX. 

We didn't catch the stolen/fraudulent check when it was processed because it was the right timing and the right amount. 

Our business has been struggling ever since XXXX so we owe a lot of back rent. Our landlord didn't let us know about not getting the rent check because we haven't been paying every month and we owe a lot in back rent. 

We received an email from our property XXXX at the end of XXXX and we thought the amount was higher than expected and I started looking at all the check copies and that's when I noticed the check ( image attached ) had a weird name under " payable to ''. 

I was out of the country from the middle of XXXX to the beginning of XXXX so I noticed it after I came back home. 

I filed a claim for the fraudulent check on XX/XX/year>. Wells Fargo claims rep told me that we only get XXXX day to file a claim for business accounts and denied the claim. I went to the branch and talked to a XXXX and was told that the XXXX  day to file is not true and she re-opened the claim. I've filed and reopened the claim multiple times but Wells Fargo kept denying the claim saying I filed the claim too late. They did acknowledge that it's clear the check was tampered with. I was told by a different claims rep that we only have XXXX days to file a claim for a fraudulent check this time. I don't understand why the cut off to file a claim keeps changing depending on which rep I talk to. 

I'm uploading a check to our landlord and the check that was tampered with. Anybody can see that the check was tampered with. 

I had a similar case with XXXX and they reimbursed the funds even though I filed XXXX months after the checks were processed.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (TX)

I am writing to address a significant issue regarding the escrow tax payments associated with the property. 

Upon reviewing the recent Escrow statement, I have identified a discrepancy related to my account. The issue involves the billing of taxes for an incorrect property, which is not under the financing or ownership of the bank. 

I have constantly contacted the bank about this error for over a year and it is is causing financial strain and requires immediate attention. I kindly request that the tax amount be recalculated for the correct property and that any incorrect charges associated with the other property be promptly removed. 

Please provide a corrected Escrow statement as soon as possible. I trust that swift action will be taken to resolve this matter, and I look forward to your prompt response. 

Thank you for your attention to this issue.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA (MD)

I had called Mohela dep of ed and asked if they could help me with a personal loan taken out under my name. I had told them that I did not take out that loan someone else did using my name. They told me to call the student aid services. I did not ask for any info regarding the receiver of the personal loan from Mohela. The personal loan was taken out for {$15000.00} and I would like to dispute The following charges that were made fraudulently to Mohela dep of ed : {$4100.00} {$3600.00} {$2000.00} {$3200.00} {$1400.00} {$810.00}
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (TX)

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XX/XX/XXXX