davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (OH)

My name is XXXX XXXX, XXXX XX/XX/XXXX last XXXX SS # XXXX. My discover account went past due in XXXX as my husband past away from XXXX ; he was the primary source of income. Followed by him, my daughter past away from XXXX. 
Discover agreed to settle my account at XXXX  % of the balance which was around {$XXXX}. I called into Discover to make my payment in XXXX of XXXX and was told no more payments were needed and the account was settled. 
FDCPA Violation I head nothing from Discover since XX/XX/XXXX when they took my last payment and said my account was setteleted in full. In XX/XX/XXXX I receive a letter from the Law Firm XXXX, XXXX XXXX XXXX who re acting as the collection agency for the debt. They sent me no Notice of debt to validate as required by XXXX. 
Discover is stating I owe over {$XXXX}!!!!!! I called Discover XXXX times asking for proof of my settlement agreement and all payments made. Furthermore, I asked for proof of what the account balance was in XX/XX/XXXX based on the terms of the Settlement agreement! Discover REFUSED TO GIVE ME ANY OF THIS INFRMATION!!! Rather they transferred my call to the XXXX XXXX XXXX the collection agency. 
The week of XX/XX/XXXX, I received a packet of random billing statements from Discover. This is not what I asked for. I specifically asked for the settlement agreement and what the supposed balance was as of XX/XX/XXXX when I was told the account was settled. 
Additionally, I received a letter from stating my claim was deemed Invalid ; Also wrong!!! Now this XXXX XXXX is operating under Unfair, Abusive, Deceptive, Acts and Practices ( XXXX  )! 
To recap Discover either wrongfully told me my account was settled and it was not ; if that is the case, there would had been a vey small balance ( if any ). 
OR The account was settled and was wrongfully charged off and XXXX, XXXX XXXX XXXX is in violation of XXXX and FDCPA 1006.34 Notice for validation of debts. 

Good morning, XXXX! I hope your day is going well! I have applied for your open position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; I would like to inquire if you would consider a remote employee before having my first round with the recruiter. 
I Specifically asked XXXX, XXXX XXXX XXXX, if there was an error on part of Discover telling me the account was settled and it was not, let me pick u an pay whatever balance there was per the terms of the settlement agreement on in XXXX XXXX. 

I am a single mother of XXXX boys who has over come the XXXX OF THE WORST THROUGH COVID! I LOST MY HUSBAND TO XXXX!!! They are threatening to garnish my wage! 
I told them I am in the process of buying a hoe for my boys and I! I will lose them, MY JOB and everything if my wages are garnished!! 
DISCOVER AND XXXX, XXXX XXXX XXXX ARE CLEAR CUT EXAMPLES OF OPPERTAING IN A UDAPP FASHION!
Consumer complaint received 2023-11-22
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. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MS)

Due to a breach of info. Someone got ahold of my accounts and cards and maxed them out without me knowing about it until it was too late. I cancelled the cards and was issued new ones but that didnt and wouldnt fix the problem. I was still going to have to may payments on a card that was maxed out and I didnt even do this. No one would really talk about it not would they help
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance wi the fair credit reporting act, XXXX, XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. AMERICAN EXPRESS XXXX
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. PROSPER MARKETPLACE IN XXXX and PROSPER MARKETPLACE IN XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Credit service is reporting as a detect collection on XXXX when there has never been any contact or communication with this third party. No consent or authorization was given to share private source data information with this company. Advise company to cease and desist communication, collection activities and reporting based off federal violations.
Consumer complaint received 2024-08-21
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: SUNRISE CREDIT SERVICES, INC (DE)

I submitted a letter to the company reporting a collection on my accounts with XXXX and XXXX. I sent the letter to the company certified the notice was signed but I received no response from the company. I then submitted the results to XXXX and XXXX and they didn't rectify the dispute at all. I submitted the evidence stating the account isn't mine meaning a fraudulent account and nothing. The company reporting on my credit report is sunrise.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, 2024. Wells Fargo Paid From My Checking Account {$1000.00} That I Did Not Authorize Nor Was It Disclosed To Me By Any Parties. 

It's Upsetting Because Once I Received The Alert That I Had XXXX Balance I Contacted The Bank. Only To Be Told To Call A Number And To File. A Complaint With Another Number. 

However No One Assisted In Stopping Payment Until Issue Was Resolved Instead Paid Out Of My Account To Settle Their Agree or Contract!! 

Wells Fargo Had No Right To Issue Any Payment Or Even Acknowledge My Account Because That Just Violates My Privacy As Their Consumer. 

After Trying To Resolve The Issue, Wells Fargo Offered No Kind Of Assistance or Any Resource To Return My Funds!
Consumer complaint received 2024-08-21
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: TRUIST FINANCIAL CORPORATION (OH)

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ] . Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

They're the XXXX company trying to collect on some account that I've never opened with XXXX XXXX XXXX XXXX When I told them that it isn't mine they refused to speak further with me.
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TX)

I called the debt collector Frost-Arnett regarding the medical debt that was sent to collections on XX/XX/year> at XXXX XXXX. The date on the first written notice I received from the collector was XX/XX/year>. When I stated that I wanted to pay for the debt they quoted me an amount that was different ( higher ) than the amount due. When I asked why the amount had increased, they stated interest had been applied. 


They would not directly answer my questions about why interest had been applied and why it was not included on the statement I received less than 2 weeks ago. After the rep refused to discuss the interest amount I requested to speak with a supervisor who said that I did not owe any interest. She also refused to acknowledge that the previous rep had told me the incorrect amount. If I had paid with the first rep they would have overcharged me illegally. 


The supervisor I spoke with told me that she did not know what date interest would start applying and that the company would not notify me before interest begins to be charged. I have not received any statement showing interest terms or amounts applied to the debt. I still do not know at what point the company had intended to begin charging interest, but they made it clear that they would not tell me the terms or send me a written statement on when the amount would begin accruing interest. 


The payment I sent to the medical provider XXXX XXXX XXXX XXXX ), before I was notified that they were sending the amount to collections, was also returned to me. They were not interested in clearing the debt or in notifying me that they intended to send the debt to collections despite having been in contact with them about the amount. I was unable to pay the amount sooner because they had not sent me the breakdown of charges to release the funds from my FSA. I requested the breakdown from them, at which point they sent the debt to collections before I ever received the breakdown. 


Neither company is willing to have an honest conversation about the owed amount, and both have refused to send me any written communication regarding their debt collection policies or interest terms. I don't know if there are any specific laws being broken, but I am concerned that they will continue to charge me fees and interest amounts despite already having paid the debt in full.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (VA)

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.

M & T Bank, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
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 (IA)

My account was being charged thousands of dollars to a online gaming sight that my daughter was playing on and remind your self XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were on this web page and kept buying more gambling coins " how I know '' I asked them what the XXXX  they were thinking? We'll a XXXX XXXX don't just stop they keep going it's in there nature. So I reported the unauthorized claims to wells fargo and they closed my account and forced closed my checking and said I was a risk assessment and denied my claim.
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION (VA)

Hello, I am struggling with trying to get a solution to my modification issue with truist bank Suntrust mortgage and obtaining a modification in the situation with my mortgage and they refusing to give me a modification because of some liens that the IRS has put on my personal account instead of applying it to the business that was responsible for the IRS liens and truist/Suntrust mortgage does not see that Ive given them all the paperwork. Ive tried to remove the liens and have moved it to the business, but I have been unsuccessful with the state removing them and having them moving to the business side of the what they should but the information is incorrect for being on my personal lien report but I need help with my mortgage, but I can not get it because truist/Suntrust mortgage will not give me a modification.
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NC)

I called Amsher Collection Services after I notice the collection on all three of the credit bureaus on XX/XX/XXXX. the person i talked to hung up on me, I called back and was referred to contact Attorney XXXX XXXX. I asked them what was the collection for? they told me it was to collect a debt. for XXXX XXXX I told them that I did not owe for the debt and I cancelled services on XX/XX/XXXX with a XXXX balance and that I was with XXXX for over twenty years when they merge with XXXX XXXX and my account was direct debt. from my bank account monthly and I always paid on time and I did not purchase a new phone while with XXXX XXXX and that XXXX XXXX was fraudulently charging me for {$750.00}. I asked representative for XXXX XXXX to please remove these fraudulent charges from my credit report. they hung up on me and when I called back on XX/XX/XXXX XXXX to ask what the charges was for they said they no longer have the case.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year>, at XXXX XXXX XXXX, shortly after applying for the Amex XXXX XXXX, I contacted American Express customer service after noticing a more favorable welcome bonus offer for the card. I was initially offered a XXXX-point welcome bonus but requested an adjustment to the XXXXpoint offer I had seen. During the call, a customer service representative verbally confirmed that the adjustment to the XXXX points would be made. My case number with American Express is XXXX. 

Despite this confirmation, multiple follow-up calls to Amex customer service have resulted in my being denied the XXXXpoint bonus. Moreover, I was informed that I am not even eligible for the original XXXX points. This is particularly concerning given that the {$320.00} annual fee for the card has already been charged to my account. I requested a review of the call logs to confirm the offer made on XX/XX/XXXX, but my requests have been met with unhelpful responses, leaving the issue unresolved. 

This situation has caused significant frustration and a loss of trust in American Express. I believe that the companys failure to honor the verbally confirmed offer constitutes a misleading practice. I am seeking the full XXXX bonus that was promised to me.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In the given scenario, the individual has discovered that a collection account, identified as [ XXXX ], is incorrectly reported as open by the collection agency. However, the account in question was already closed and settled in full according to the information provided by the original creditor. 

This inaccurate reporting by the collection agency has resulted in negative consequences for the individual 's credit score and may impact their ability to obtain credit in the future. The individual, recognizing the importance of accurate credit reporting, has decided to dispute the false open status of the account and seeks an immediate investigation into the matter. They also request that the collection agency rectify the error, update the account status to reflect its accurate closure, and provide written confirmation of the correction made along with an updated credit report.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I wrote to formally address the communication where I did not receive anything from RESURGENT CAPITAL SERVICES regarding the alleged debt they claim I owe. This is considered willful misconduct. I believe that this communication contains false or misleading representations and involves unfair practices that violatethe Fair Deb Collection Practices Act. ( FDCPA ) Firstly, I requested validation of the debt as mandated by the FDCPA. Also asked to provide me with the following information. 

1. Verification of debt including amount owed and how you calculated 2. A Copy of the Contract or Purchase Agreement that legally binds me to this debt 3. Prof that you own or have been assigned the debt. XXXX XXXX  with the original creditor 4. Detailed information on any payments made and any late fees assessed. Date of last payment 5. The insurance claim of debt 6. Statute of limitations Additionally, I have concerns regarding the manner in which the debt was represented to me. Specifically, I believe the information that was provided lacks clarity and may mislead me regarding the true nature of the debt and my obligations. This misrepresentation could constitute as an unfair practice as it does not accurately reflect the situation.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Supreme Lending (TX)

We sold our home back in XX/XX/year> and moved outside the country. 
Recently we came back to XXXX and found a late payment records back in XX/XX/year> on our ( me and my wife ) credit reports. We did not recognize this late payment and called Supreme lending. So they said we missed our XX/XX/year> payment and it was paid on XXXX only. We did not received any sort of notification and didn't intentionally delayed the payment, because we were closing the sell in XX/XX/year> and thought the whole process would take care of the rest of our mortgage, which it did, but Supreme Lending declared it was only posted in XX/XX/year>. We never intended to default and didn't receive any proper notification from any parties, thought it was taken care of and left. We requested for dispute for this late pay record and was declined by Supreme Lending. Lack of caring for customer and surely didn't done well on sending notifications. 
It was 3 years ago, I can't recall lots of the detail but in the closing process the lender should be notified and somehow they knew the rest of mortgage money was for sure coming and didn't done well on their old customer. 
XXXX line is, we didn't know we were late on payments and thought the title agency company was taking care of the property sell and paid the mortgage, which they did pay it off. Supreme lending is lacking of customer caring and didn't provide proper notification. All they did is declining for offering help.