davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me. To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : XXXX. The Original purchase agreement or contract. XXXX. Details of the terms and conditions XXXX. Documentation supporting the accounting history including transaction history Please send the requested information within XXXX  days. I appreciate your cooperation and look forward to your prompt response. Thank you.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (AL)

On XX/XX/year>, I ( XXXX XXXX ) reached out to Paramount Recovery in XXXX, TX seeking information for a debt they reported to ALL XXXX CREDIT Bureaus. Upon speaking with a representative, she was unable to verify the debt stating she would have to investigate ownership of the debt and that I was wasting my breath by not giving her personal information she was requesting ( fishing for information ). I told her the information she needed to know in order to verify the accuracy. I then informed her that I would be reaching out to all three credit bureaus to verify the information they were given. This company did not provide any sorta of mailed documentation to me about this debt. I have no knowledge of this debt or this company. I then proceeded to speak with representatives from the credit bureas, they allowed Paramount Recovery to list a debt on my account without providing any sorta of proper documentation that noted I was the owner of this debt. The credit bureas have since escalated my dispute, as this is a urgent matter. As of today a letter to remove the debt was sent to Paramount Recovery. I am no longer seeking validation of debt, I and DEMANDING this debt be removed. This company failed to adhere to several protocols in regards to collecting a debt. I informed them of the protocols they violated. It is my right to have this debt REMOVED until this debt has been rightfully investigated. It should not be on my credit report if the company can not validate the debt.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Subject : Debt Verification Request Account Number : [ Account Number or Reference Number ] Dear [ Debt Collectors Name ], I am writing to request verification of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I recently received a notice from your company concerning this debt, and I am requesting that you provide sufficient verification.

Please provide the following information : 1. Verification of the debt, including the original creditors name and address.

2. Proof of the amount owed, including any fees, interest, or additional charges added to the original balance.

3. Verification of your authority to collect this debt, including any documentation that you are authorized by the original creditor to collect on this debt.

Until I receive this information, please consider this debt to be in dispute. Additionally, under the FDCPA, I request that you cease all communication with me regarding this debt except to provide the requested information or to notify me of any specific actions taken with respect to this account. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Sincerely, [ Your Name ] Important Note : Send this letter via certified mail, with a return receipt requested, to have proof that you sent it and the agency received it. Always keep a copy of the letter and the return receipt for your records.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-21
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)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent Experian written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. How is it that these credit reporting agencies are able to verify anything without being present during the alleged transactions? The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: O&L LAW GROUP, P.L. (FL)

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BMO Bank, N.A. (CA)

At the end of XXXX, XXXX, my credit card account with Bank of the West was hacked. 
The hackers requested a credit card in my name on XX/XX/XXXX and was charged {$25.00}. 
I happen to catch this request and notified the bank to put a hold on my credit card and requested a credit for the {$25.00} charge. The bank said that they would credit my account but never did after I had called them several times. 
In XXXX, XXXX, Bank of the West was taken over by BMO. I asked BMO to credit my account in XXXX, XXXX and was told that they would credit my account but they did not. I called again on XX/XX/XXXX and requested a credit. As of XX/XX/XXXX, I have not received any credit.
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

i would like this removed from my credit report. i have contacted the company already and they said they dont have enough information to satisfy that this is my account see previous complaints. If they dont have enough information then why is this listed. please see previous complaint.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (SC)

I had an account with the digital wallet service, Cash App which is part of Block ( formerly Square ), Inc brand. Until relatively recently maybe a month so ago, the account closed by the company and reason stated I as the owner was in violation of terms of service. When attempting to appeal & contact said service to inquire why this issue occurred & how, I didnt receive any further information from them & received the same response as when the account was closed. Also, my numerous appeals were denied & I fear I was blacklisted ( using my personal information ) from attempting to making a new or regaining control of my old one.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-11-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

I purchased a XXXX Kia XXXX XXXX, and it was paid off in XXXX oXXXX XXXX  Since then, I have not received the title. They stated they sent it to my old address. I have called them seven times in the last 3 months attempting to obtain a lien release, because we have moved states and Im unable to register my vehicle. I also requested a lien release through Kia Finance Americas online account, and its been saying in process for three months. I have been told every single time of the seven phone calls that the lien release will be mailed to me, and I still have not received it since calling the last 3 months. 

At this point, I will need to reach out to the attorney general or get an attorney involved. This is ridiculous for an almost XXXX car that I have paid off completely.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC This company is reporting negatively on my credit. The statue of limitation is 5 years in the state of Florida. At this time I am request all # account being reported be removed from my credit report. This is having a negative impact for old and uncollectible accounts. I want these accounts removed as soon as possible.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I was hit with XXXX overdraft fees from Wells Fargo. And instead of working with me or trying to resolve the issues they allowed them to make my account negative. My account was then closed because of the amount of overdraft fees.
Consumer complaint received 2024-11-04
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: Continental Finance Company, LLC (NE)

I contacted customer service after being released from hospital about charges I did not authorize. The charges were from XX/XX/XXXX to the XXXX. I reached out XX/XX/XXXX. They responded on XX/XX/XXXX, denying the claim and taking away the previous temporary provisional credit. The team it was reported and denied is not adequate time to investigate thoroughly. Ive reached out several times to appeal this decision or for reconsideration as the denied reason states Unfortunately, these charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf. Ive contacted them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still no additional information has been provided to me.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

My mother in law wrote me a valid check, which had a standard hold for 3 business days. On the 3rd business day the check was returned labeled refer to maker. My mother in law wrote a valid check, did not decline the check, and had the proper amount of funds in her account. The funds had actually been withdrawn from her account, actually, so the transfer should have completed. Both of us use Chase bank. When I deposited the check, I asked the teller to verify that there wouldnt be any problems from the Chase bank. The bank did not inform either party, and as of the call I made this morning the bank hadnt informed my mother in law why
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX  XXXX Account # XXXX and Balance {$62.00}, XXXX XXXX with Balance {$1900.00}, XXXX with Account # XXXXXXXX XXXX  with Account # XXXX and Balance {$180.00}, XXXX XXXXXXXX XXXX  with Account # XXXX XXXX XXXX XXXXXXXX XXXX with Account # XXXX XXXX XXXX XXXX XXXX with Account # XXXX and Balances {$3300.00} / {$4500.00} / {$500.00}, XXXX XXXX with Account # XXXX and XXXX XXXX XXXX $ XXXX {$2100.00}, XXXX XXXX with Account # XXXX and Balance- {$29000.00} XXXX XXXX XXXX XXXX Account # XXXX and Balance {$15000.00}, XXXX XXXX XXXX Account XXXX XXXX and Balance - {$14000.00}, XXXX XXXX XXXX with Account XXXX XXXX And Balances - {$15000.00} / {$4500.00} / XXXX {$28000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to US BANK. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Possible Financial Inc (OH)

I reached out to the company in XX/XX/XXXX because the information was on my credit report. No response from company and no resolution. 

Tried contacting in XX/XX/XXXX and XXXX of XXXX, still no resolution.
Consumer complaint received 2024-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Lennar Financial Services, LLC (AZ)

Hi, I have brought a new house no XX/XX/XXXX, the initial lender was Lennar Mortgage. Monthly payment as of signed documents is a total of XXXX ( XXXX interest and principal, XXXX property tax, XXXX hazard insurance, XXXX mortgage insurance. ) Lennar mortgage sold the mortgage to XXXX XXXX  on XX/XX/XXXX, and the mortgage payment changed to XXXX ( XXXX interest and principal, escrow impound XXXX ). XXXX XXXX mentioned they have this values based on XXXX of the other document ( not signed ) shared by Lennar mortage which calculates the property taxes wrong. 

I have reached out to Lennar mortgage since XX/XX/XXXX XXXX email multiple times, every time I get a response of they have escalated the fix to XXXX XXXX, but there is not progress so far.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-22
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)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-22
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. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-10-30
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: JPMORGAN CHASE & CO. (WI)

I live in the United states and I Lost My Cellphone and Credit Card in XXXX at the end Of XXXX. I was issued a New Card. One Month Later my card was used in XXXX using XXXX XXXX with my Lost phone. I Locked my card thinking that would stop future charges until I was able to call for another replacement card. I was not made aware that XXXX XXXX  would continue working on expired cards when I called and got a replacement card in XXXX. Even when My card was locked More Fraudulent purchases were made because I was not aware XXXX XXXX  continues working even when the card is Locked. I then Called to process a Fraudulent Case and Get another Replacement Card & Be clear that I was not the one using XXXX XXXX on a Lost phone. The Company then Credited my account but Later Denied my Case. I was Not Physically In XXXX with the lost phone in my possession so It would be impossible for me to make those purchases. I would Like to be credited back the Fraudulent amount.