davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting to inform credit Bureaus that I have been a victim of identity theft. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), they are obligated to remove any items listed on an identity theft report. Enclosed are the necessary documents to facilitate the removal of the erroneous information from my report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : - XX/XX/XXXXXXXX Balance : - XX/XX/XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$360.00} XX/XX/XXXXXXXX Balance : {$900.00} XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$820.00} XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXXnquired on XX/XX/XXXXXX/XX/XXXX Inquired on XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NV)

In XXXX, I ported out my XXXX line. Since another user on the account wanted to stay with XXXX, I requested that XXXX transfer account ownership to his number ending in XXXX, which they did. I was assured by XXXX customer service that I had no outstanding balance and that the ownership transfer was complete. As a result, I no longer had any ties to the account and was free to switch carriers. 

However, in XX/XX/year>, I received a call from a collection agency, XXXX XXXX XXXX, claiming I owed {$600.00} in phone charges to XXXX  for the past XXXX months. I also received a letter from the collector stating the same thing. Over the XXXX months since I ported out, XXXX never contacted me, and since I no longer had access to the account, I couldnt verify any details with them. The user with the XXXX number had become the primary account holder immediately after the transfer and subsequently closed the account. Now, XXXX is demanding that I pay the outstanding bill associated with the XXXX number. 

When I contacted XXXX to resolve the issue, they refused to provide any information, stating that I was no longer the account owner and would need to deal with the collection agency. However, when I contacted XXXX XXXX XXXX, they were unable to provide any details either, simply stating that XXXX claimed I owed the amount. As of XX/XX/year>, the collection agency has placed this debt on my credit report, affecting all three credit bureaus, in an attempt to force me to pay. 

Since XXXX, neither XXXX nor the collection agency has contacted me to explain or resolve this issue.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (AZ)

I had a Wells Fargo mortgage loan, back in XXXX to XXXX. I ran into a hardship with my payments and requested a modification several times and continued to be denied. 

My house was placed into foreclosure, and I ended up having to sell my home. During the process of me trying to get a loan modification. 

After recently reading about the lawsuit regarding the denial of loan modification with Wells Fargo and the sanctions brought about is when I realized that I was a part of this scam and denial process that was being done to homeowner 's loans with Wells Fargo. 

I did put in a compliant regarding the false claims that my house was sold and not foreclosed on, But they stated that no wrong act had taken place on their part, and my house was listed as being foreclosed on. This effected my credit score as well as my ability to get another home loan.

Neither the less, I was forced to sell my home. I could never understand why they continue to deny my loan modification request. We were told we over qualify. 

Now that I am aware of this lawsuit, of Improperly Denied Mortgage Modification which by the way I never received any communication regarding this matter, from Wells Fargo or Cfpb for the Orders of CFPB mandating Wells Fargo to pay XXXX XXXX Widespread. 

I wrote a complaint which can be found in my portal to confirm this complaint. Nothing was done to support my claim other than Wells Fargo response. 

My concern is that this was not looked into further and communication regarding my complaint of unfair practices on Wells Fargo Part to look into my loan modification documents further. Truly I feel we were looked over and nothing was done to help us with this unlawful at from Wells Fargo.

Now we see that we should have been a part of this lawsuit regarding the loan modification program and the time frame and location it took place in.

I am in hopes that we are listed as one of the accounts that was part of this scandal. I am sure we were. How is this managed and where do I go from here? 

How do I find out if I should have received some compensation regarding this issue. 

Thank you for your time and consideration. 

XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (AL)

On or about XXXX XXXX XXXX, I received approximately 10 collection letters from XXXX XXXX XXXX XXXX a debt collector regarding an alleged debt. I responded on XX/XX/2024 by sending a debt validation request, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing debt validation, XXXX XXXX XXXXXXXX filed two lawsuits against me on XX/XX/2024 and XX/XX/2024. These two lawsuits pertained to 3 of those debt collection letters. After I sent the request for debt validation, XXXX did not respond. I sent a NOTICE OF NONRESPONSE on XX/XX/2024 and informed that they have failed to verify the debt within the 30 days that I allowed them in my dispute. They in turn have sued me in the XXXX XXXX Small Claims court for a breach of contract. At no time did they validate this debt or as per the terms and conditions that they attached in their complaint allowed for this to be handled in arbitration. I am requesting that they pay the {$1000.00} per debt collection letter filed against me in court prematurely. This will total {$3000.00}. ( They were previously advised that I had a change of address but continued to send correspondences to an old address. I informed that anything further would be returned to sender as they had my new address. ) 1. Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) 2. Unfair and Deceptive Practices ( 15 U.S.C. 1692e ) 3. Harassment and Abuse ( 15 U.S.C. 1692d ) Codes Violated : - 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide debt validation within 5 days of receiving a validation request. - 15 U.S.C. 1692e : Prohibits unfair and deceptive practices, including filing lawsuits without proper validation. - 15 U.S.C. 1692d : Prohibits harassment and abuse, including filing lawsuits intended to coerce payment.
Consumer complaint received 2024-08-20
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. (LA)

YOUR COMPLAINT XXXX XXXX XXXX XXXX is trying to collect on a debt that was the result of identity theft. XXXX  XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also XXXX XXXX XXXX was told that the account was the result of identity theft and LvNV FUNDING LLC. 
Why do I need to keep repeating myself with this company? They continue and persist to try and collect something that is not owed by anyone of this home. 

.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Accounts listed on Transunion Report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX Consumer IDXXXX XXXX XXXX XXXXXXXX Maryland Dispute of Inaccurate Information on Consumer Report Dear XXXX XXXX XXXX Maryland I am writing to dispute inaccurate information that I have found on my consumer report associated with my banking profile. Additionally, I want to inform you that I have been a victim of fraud and theft, which has contributed to these inaccuracies. I request that the following item ( s ) be investigated and corrected as soon as possible. 


Account Number XXXX Routing - XXXX Date of report XXXX The item in question reflects unauthorized transactions, incorrect account balances, accounts I did not open that do not accurately represent my financial history or actions. 


I believe these inaccuracies are a direct result of fraudulent activity and theft that I was a victim of. Specifically, on XXXX XX/XX/year> of the my account was accessed without my authorization, unauthorized charges were made to my account, an account was opened in my name without my consent these fraudulent actions have led to errors on my consumer report that need to be corrected immediately. 


This explanation helps clarify why the disputed information is inaccurate and links it directly to the fraud and theft you experienced. 

I kindly request that you investigate this matter urgently and update my consumer report to reflect the accurate information. Please confirm in writing that the correction has been made, and send me an updated copy of my report. 

Given the seriousness of this situation, I would appreciate a prompt quick response and resolution to this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (SC)

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of my intent to opt out of any and all credit reporting and information distribution activities conducted by secondary credit agencies. This request is made in accordance with 15 U.S.C. 6508, which allows consumers to opt out of the sharing of their personal information by such agencies. 
I hereby request that the following agencies cease all use, collection, and distribution of my personal information : Advanced Resolutions Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that these agencie

s may be in violation of the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ) by unlawfully accessing, using, and distributing my personal information without my explicit consent. These actions infringe upon my privacy rights and the legal protections afforded to me under the aforementioned statutes. Opt-Out Request : Under the provisions of 15 U.S.C. 6508, I am exerci
sing my right to opt out and request that these agencies : Immediately Cease : Stop all use and distribution of my personal information. 
Confirm Compliance : Provide written confirmation that my information has been removed from their systems and that no further access or distribution will occur. 
I request that the CFPB investigate this matter and take appropriate action to ensure my rights are upheld. I also ask for guidance on any additional steps I should take to safeguard my privacy and enforce my opt-out request effectively. 
Please acknowledge receipt of this letter and provide confirmation of the actions taken in response to my opt-out request. I appreciate your prompt attention to this serious matter.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I sent in a claim with the bank. And they denied me and said I have to deal with the merchant. The merchant is a fraudulent land lord. I was living with homeless people while in the one paying rent. Homeless people would wander the halls and find a corner to sleep in every night. Dont ever deal with XXXX
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I went to use my card at XXXX XXXX XXXX XXXX, the card was declined and I got a Citi Fraud alert to verify some transactions. I called and verified and they said I could retry my card. 

The next day my card wasn't going through again so I called in and they said " you called in yesterday to remove an authorized user and that's why we have to send you a new card '' I told them I did not call in and to pull up the recorded conversation it had NOTHING to do with the removal of an authorized user. They insisted that was the case without providing any evidence. I called in to remove an authorized user perhaps 1+ year ago NOT yesterday on XX/XX/year>. 

Them closing my card and sending out a new one created a mess for me with many people I had that use that card for my day to day life.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

I have a PayPal account to which I use for online transactions. Including to send my winnings from online games. Well I've had an estimate of around {$150000.00} USD in winnings from games I've acquired over about XXXX years in XXXX @ XXXX and was supposed to be deposited to my PayPal account. Well that didn't happen. I contacted PayPal and they said I have nothing. Contacted the gaming corporation and they said It had been deposited. Also sent invoice copy of a transfer to my account. Contacted PayPal again, still they say, no pending transactions, no deposits, no transfers. So I just gave up on trying to get my money from PayPal after trying for months and months. Well I've recently learned they have my money in some holding account with XXXX  XXXX, and are still not releasing my funds to me. Also, I have XXXX investments I attempted to have exchange USD and deposited into PayPal and in their terms and conditions for deposits, they say you have to make donations to XXXX until further notice or you will not receive your funds. If you could Please help me with this situation. I'm on XXXX XXXX, and do what I can to make ends meet to live and can really use the money I've earned before winter hits again. Please, if you can't help could you direct me to where I can receive some assistance. Thank you and have a nice day
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (TX)

This company keeps calling and texting me saying I owe a debt that I do not and that was the result of identity theft. I have ask this company to stop contacting me I dont Know how they got my information.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Bureau Associates (CO)

Creditors Bureau Associates keeps calling me over and over again from spoof numbers mimicking my current and former address area codes. Most of the time they either leave silent voice mails, filling up my inbox, or they just remain silent altogether when I answer. I told them to stop calling initially because the debt is related to an unexpected, emergency XXXX XXXX  ( that I didnt even consent to ) that was out of state and out of network- which is covered by the No Surprises Act, as I explained to the ambulance company initially, as well as to the debt collection agency. I used to work in collections, I recognize the validity of this line of work. What I am experiencing, however, is harassment.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (AL)

On or about XXXX XXXX XXXX, I received approximately 10 collection letters from Zwicker & Associates , a debt collector regarding an alleged debt. I responded on XX/XX/year> by sending a debt validation request, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing debt validation, Zwicker and Associates filed two lawsuits against me on XX/XX/year> and XX/XX/year>. These two lawsuits pertained to 3 of those debt collection letters. After I sent the request for debt validation, Zwicker did not respond. I sent a NOTICE OF NONRESPONSE on XX/XX/year> and informed that they have failed to verify the debt within the 30 days that I allowed them in my dispute. They in turn have sued me in the XXXX XXXX Small Claims court for a breach of contract. At no time did they validate this debt or as per the terms and conditions that they attached in their complaint allowed for this to be handled in arbitration. I am requesting that they pay the {$1000.00} per debt collection letter filed against me in court prematurely. This will total {$3000.00}. ( They were previously advised that I had a change of address but continued to send correspondences to an old address. I informed that anything further would be returned to sender as they had my new address. ) 1. Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) 2. Unfair and Deceptive Practices ( 15 U.S.C. 1692e ) 3. Harassment and Abuse ( 15 U.S.C. 1692d ) Codes Violated : - 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide debt validation within 5 days of receiving a validation request. - 15 U.S.C. 1692e : Prohibits unfair and deceptive practices, including filing lawsuits without proper validation. - 15 U.S.C. 1692d : Prohibits harassment and abuse, including filing lawsuits intended to coerce payment.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Credit card was charged a returned payment fee of {$30.00} on XX/XX/year>. Citi has repeatedly failed to provide an additional information or provide credit for the erroneous transaction. 

Spoke to XXXX ( XXXX ) and account supervisor XXXX ( Florida ) on XXXX who could not only provide details of the transaction but also couldn't get the matter escalated for Citi to XXXX and provide additional details.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I am writing to dispute the debt that is being reported under my name. 

I would like to clarify the following points : 1. Court Proceedings : This matter was taken to court, and the judge determined that I had no obligation to pay the disputed amount. The case was dismissed without prejudice, confirming that I have no outstanding debt related to this case.

2. Reported Amount : Additionally, I have noticed that the amount they are reporting against me is higher than the original amount I allegedly owed. ( Which it was {$1700.00} ) and the new amount that Im getting accused of owing is ( {$3600.00} ) This is inaccurate and may be a violation of my rights under the law.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the law specifically states that reports which only contain information about direct transactions or experiences between myself and the company making the report should not be classified as " consumer reports. '' In other words, details about my payments or account activities with these accounts are not supposed to be included in the credit report that is shared with third parties. Why are they being reported?
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX and Equifax reports include the following address that are not related to me : XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ; and XXXX. XXXX XXXX XXXX XXXX, XXXX GA XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.