davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>, XX/XX/year>, XXXX XXXX, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I had an overdraft fee of {$35.00} on my account. I called Wells Fargo and they said they couldnt give it back. So I went to BBB. After going to BBB. They had 10 days. Well they waited the whole 10 days and more. Wells Fargo called me and told me they were working on my case. So while they were working on my case {$310.00} occurred. They only refunded XXXX. So that still left me with XXXX. Which XXXX is what I am disputing. So my dispute of {$35.00} turned into XXXX. Wells Fargo is doing Fraudulent fees on people accounts. 
On XXXX the XXXX I had XXXX {$25.00} fees come in for XXXX charge but they said is from a {$5.00} late charge and the system can charge up to 3 times of {$35.00} fees thats what I was told on the {$28.00} of XXXX so now since my account is negative each day it charges me {$100.00}. Wells Fargo is charging customers fees and taking advantage of customers that they know cant afford the fees. That is Fraud
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (CA)

I originally opened a mortgage account with XXXX XXXX XXXX XXXX Made my first payment to " XXXX XXXX XXXX XXXX '' by check. I was monitoring my bank account every day to make sure the check came through. Two weeks passed by, and nothing happened on account. When I got hold of XXXX XXXX XXXX XXXX, they said your loan was resold to NEWREZ-Shellpoint and the check was endorsed by XXXX XXXX XXXX XXXX and sent to NEWREZ-Shellpoint. The first payment finally cleared through. Since then, I started to make payments to NEWREZ-Shellpoint on time, every month. Approximately around early XXXX I get notice from XXXX XXXX that my credit score went down XXXX points because I am 30 -60 days late on my mortgage. NEWREZ-Shellpoint is not reporting my payments to credit bureau XXXX I have a copy of all cleared payments of my bank as a proof that everything was paid on-time. NEWREZ-Shellpoint is violating a law. According to FCRA they are violating these laws : 15 U.S.C. 1681 : Governs access to consumer credit report records and promotes accuracy, fairness, and privacy 15 U.S.C. 1679c : A disclosure law
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XXXX experian. XX/XX/XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MA)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 
Below is a summary of the data in which I am challenging Account name RESURGENT/LVNV FUNDING Account number XXXX
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I sent money via Cashapp to someone on XXXX XXXX. However, when I learned that the person does not have access to the account anymore, I issued a refund for the money and explained the issue to customer service via Cashapp App. 
When I provided proof that the person stated that they no longer had access to the account and showed the transaction in question, they still said that they couldn't issue the refund because it went through and that the person would have to contact them. But, my aunt is elderly and can't do this herself. I explained that to Cashapp, and still they said that they can not help me. 

I literally went in circles with Cashapp customer service, and have yet to receive a refund from Cashapp. They did not reverse the charge.
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: Experian Information Solutions Inc. (GA)

I recently review a copy of my credit report and noticed Unauthorized fraudulent accounts on my report please remove these accounts immediately as they are affecting and hurting my ability to obtain credit, in Addition these accounts are being reported by a third party company
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (DE)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern, I am writing to address discrepancies I have identified on my credit report. As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate report. Please investigate the following accounts and provide supporting documentation : - XXXX  ( XXXX XXXX XXXX ) - XXXX  ( XXXX XXXX XXXX  ) If the information can not be verified within 30 days, I request that these accounts be removed from my credit report. 

Please send the results of your investigation to me via email. For verification purposes, I have included a copy of my passport. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you XXXX days to investigate. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/24 I noticed that there were multiple transactions coming in and out of my Savings account ( XXXX to be exact ) in the amount of {$5000.00} dollars. My account went from having XXXX dollars in it to having- {$6300.00} in it. USAA stated that they do not find that Fraud had occurred. I asked them at each of 3 calls as I noticed money being withdrawn, that they freeze or lock my account, and they said they could not do that till the investigation was over. Remind you all of their calls are recorded. Their final verdict was that they would not refund any of my money and that I would have to pay back the negative amount. 

The same thing was happening with a linked account that they gained access to when they got my information from USAA to my XXXX  and they stopped it and allowed me to close my account and open a new account.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

SYNCB/CARE CREDIT SYNCB/American SIGNATU SYNCB/ASHLEY HOMESTORE Debt Validation Request Account Number XXXX XXXX Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XXXX 2024, XXXX 2024, XXXX 2024, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX 2024 late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASTA FUNDING INC. (NJ)

i received a judgement letter summons with my maiden name of XXXX threatening to garnish my wages for a debt I have no idea about. I have not lived under my XXXX name in over 22 years. 
they provided docket numbers to which do not exist within the courts in my county. 


the name of the company is Palisades Collection , LLC research has shown me that there are many lawsuits against them for this exact scenario. i can be reached by email for any advice you can give on this matter
Consumer complaint received 2024-08-22
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: American First Finance, Inc. (GA)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to trafficking- debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Amer Fst Fin $ XXXX XXXX XXXX XXXX $ XXXX Credit Coll $ XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report and noticed an entry that I did not authorize, which I believe to be both inaccurate and unlawful. The details of the disputed entry are as follows : Account Name/Number : LVNV Funding LLC Nature of the Discrepancy : Unknown creditor, inaccurate information This information is incorrect and has been reported without my consent. As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Under this law, credit reporting agencies are required to investigate the dispute and correct any inaccuracies.
Consumer complaint received 2024-08-20
Product: Credit 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: CITIBANK, N.A. (WA)

I was charged for something I didnt order. I paid the real balance owed and canceled the card XXXX months ago. I keep getting texts saying I had ordered XXXX XXXX XXXX  and owe {$380.00}. There is a {$600.00} bill on the canceled card that Citibank keeps trying to collect. I have called Citibank about XXXX times to no avail. I can only reach another person who cant deal with the situation and says they will transfer me. I get another person who cant help me. I only have XXXX subscription to XXXX XXXX premium that is valid until XX/XX/year>. I have paid for that. 
I will not pay a new balance on a canceled card and never used Citibank to pay for XXXX XXXX. This same situation has happened XXXX before! XXXX