davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (TX)

I went to open a bank account with TD Bank, and I was denied access. When I inquired about the reason I was denied, the bank teller told me I had committed fraud with a previous account, also because I have outstanding balances with other banks such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banks listed above never notified me that they were going to report this information to any consumer reporting agencies. and the information they reported was not accurate per the FCRA. I am a struggling Veteran who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MD)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SN SERVICING CORPORATION (OH)

SN Servicing Corporation is a mortgage provider. Their agents and practices are discriminatory and violate civil rights. The property in question was purchased in XXXX. Never refinanced or pulled money from the property. This company has given nothing but grief, misinformation, conducted themselves unprofessionally, denied access to a portal with vital information related to the mortgage, sent mail to erroneous addresses all in an effort to discriminate and prevent mortgage from being appropriately handled. They do not reach out to call you unless until you initiate a call. The agents have sent emails that have been unprofessional and badgered me the homeowner. When I have consistently asked for a resolution, I have been met with words such as '' you need to get responsible '' not recognizing the hardships or situations a homeowner may face. In XXXX of XXXX, I made a large payment on the account in an effort to resolve the matter, taking their word, and now in XXXX they are asking me again to submit a large amount of money. They send unnecessary demand letters. And it seems that they are in the business of putting minorities out of their homes. I have attempted to escalate the matter only to end up right back at the starting point. I have dealt with many mortgage companies and this has been by far the worst. I'm unable to see any of my mortgage or statements of my mortgage online they deny me access to the portal and then tell me that the statements that I have received are incorrect when I make the payments, all in an effort to continually default the account. Their business practices are unprofessional, as well as the way they communicate. I have been hung up on several times with no resolution. Every time you call they tell you that they will note the account but nothing happens after that point. When you call again you have to wait for several minutes on the phone for them to review the notes only to tell you that there's nothing more they can do. I am a XXXX person and these circumstances are more cause for a health emergency due to the burden placed on any and all individuals.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (PA)

Jefferson Capital Systems obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

So my card was stolen, I went home and went to bed. When I woke up to go to work, I had many notifications from chime about purchases made all throughout the night while I was asleep. I immediately called Chime and reported my card stolen, froze the card, and filed a dispute. A couple of days later my account was credited for the XXXX dollars. The problem is that a couple of days ago I received a notification saying that they found that no error had occurred and will be taking the money back. When I signed up for Chime I signed terms that state if my card is stolen, or purchases are unauthorized then I have XXXX liability. I have asked my kids if they made the purchases, they say no. I dont know if they are telling the truth but the oldest is XXXX. BUT regardless of that. I did NOT authorize those transactions. And frankly I believe that chime is falsely advertising a XXXX liability policy that they obviously do not honor. Also the terms that I signed, they are in breach of! I have contacted Chime, the company that the payments were made to, the XXXX, and now you guys. Please help me. I know I am not in the wrong. I did not authorize these payments, and I have XXXX kids with another on the way. XXXX dollars is a lot of money to me.
Consumer complaint received 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the account from my file. 
XXXX XXXX XXXX Balance {$1300.00}
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX, XXXX  XXXX # XXXX, XXXX  : # XXXX ******, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report in XXXX of XXXX, and noticed some things are incomplete and not accurate. I disputed the accuracy of these accounts several times and Experian has shown me no proof of validation. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

Credit Collector Name and Address AmSher Collection Services , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On Thursday XXXX, 2024 at XXXX am  I made a phone call out to AmSher Collection Services, requesting a Debt Validation Letter to be sent out. I spoke to XXXX, who is a represent for the collection agency that holds my T-Mobile account. Without me giving XXXX any of my information she was able to verify my name, address, date of birth and the debt I was calling about and the amount owed. I found it odd! XXXX was speaking so fast that I had to ask her to repeat herself XXXX different times. XXXX proceed with how would you like to pay this debt ( by credit card, debit, or check ). I told XXXX, neither that I do plan to resolve the matter however I would like to get a Debt Validation Letter sent to me. That is when XXXX started being rude and unprofessional with speaking fast and raising her voice, telling me they have reach out several times and they sent me a letter out already. Just to remind you this was all on a recorded line that they disclose at the beginning of the call. I tried to explain I have not received a letter but I did receive a notification a week ago from XXXX that XXXX sent me to collection. XXXX was not trying to hear what I was saying. I repreat it myself again requesting a XXXX XXXX XXXX. XXXX then disconnected the call. I was shocked at her behavior. I then called back to AmSher Collection Services and spoke with the operator. I explained to her what happen with this representative and she extended her apologies for his behavior and offered to put me with another representative. I am now on the phone with the representative XXXX. She confirmed her spill that were on a recorded line to attempt to collect a debt. She also proceeded to ask how I would like to pay my balance of {$120.00}. I explained to her I would like to request a Debt Validation Letter. She proceeded to tell me that I just spoke with another representative. I told her yes I did however, if you listen to that recorded conversation you will hear unprofessional she was speaking to me and disconnected the call. All I am asking for is a Debt Validation Letter for my records. She told me to go to AmSher website to get a Debt Validation Letter. 

I am writing this letter as a complaint on how these XXXX representatives represent the AmSher company by being rude, unprofessional, and disrespectful behavior to the consumer. No one should ever be treated in such a manner as these individual did to me!
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ADP Inc. (CA)

Summary of the Incident : On XX/XX/XXXX, I initiated a transfer of my salary, totaling {$1200.00}, from my Wisely account to my XXXX account. Shortly after the transaction, I feared I may have entered an incorrect account number. I immediately contacted Wisely 's customer service, requesting a dispute or to cancel the transaction. I also asked for the transaction details to verify the account number I had entered. However, Wisely 's representatives informed me that they could not provide this information due to currency regulations. 

I was then advised to wait 2-3 business days to see if the funds would be rejected by XXXX and returned to Wisely automatically. Despite my follow-ups, this matter remained unresolved for weeks, and I was eventually told to wait until XX/XX/XXXX for further updates. Wisely instructed me to contact XXXX directly to trace the transaction. 

Issues with Wisely 's Handling of the Situation : Failure to Provide Key Information : Wisely refused to provide me with the transaction details necessary to verify whether I had entered the correct account number, leaving me in the dark about the status of my funds. 

Incorrect Advice and Prolonged Resolution : Despite my continuous follow-ups, Wisely kept advising me to wait without providing a clear solution. When I contacted XXXX, they informed me that the TRACE number provided by Wisely was from an external bank, and they could not trace the funds. 

Lack of Responsibility and Documentation : When I requested Wisely to take action directly with XXXX, their representatives indicated that it was my responsibility to resolve the issue. Furthermore, they refused my request for written documentation or email confirmation of the status of my case. 


As of now, the {$1200.00} remains unaccounted for, causing significant financial hardship. I believe that Wisely has failed in its duty to provide adequate customer support, transparency, and accountability in handling my funds. Their refusal to offer any documentation or escalate the issue properly has made it impossible for me to recover my money.
Consumer complaint received 2024-08-07
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. (PA)

XXXX XXXX XXXX has illegally REINSERTED an account that was DELETED and illegally reinserted with blatant disregard for the 5 day notice requirement as provided under the Fair Credit Reporting Act. 
I submitted my dispute via CFPB # XXXX on XX/XX/year> and received a response via CFPB Portal on XX/XX/year> showing that the account was DELETED. 
The account XXXX XXXX XXXX XXXXwas reinserted illegally and I will contact an attorney if it is not DELETED again permanently or I will SUE. 
( Screenshots Attached )
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Our account with USAA got scam by using my wife driver license image to draw money from our account. I disputed the withdrawal in the amount XXXX dollars but with scammer using my wife ID it is very difficult...
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

I tried to purchase ticket through XXXX on XX/XX/XXXX. Merchant withdrew XXXX from my Wells Fargo checking account. I discovered on XX/XX/XXXX that XXXX cancelled my order due to lack of payment. I made a dispute with Wells Fargo. XXXX claims they never withdrew the money. I have several emails stating this claim. I sent these emails to XXXX. Per Wells Fargo, XXXX invested the claim and XXXX reported I received the tickets and all sakes are finally. But I have written documentation claiming otherwise. Wells Fargo closed my claim and sited with XXXX. I have no tickets or refund of my purchase.
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I have discussed this with Citicards Home Depot a weather related deferment several times due to several Hurricanes that I was affected by in my area starting with Hurricane XXXX, then XXXX, now XXXX. Going back to XXXX, they told me they would not approve a Weather Disaster Deferment because my Zip Code did not appear on their " List '' at the time. Despite submitting a FEMA letter to Citicards, no one would help me. Because of this I have had the account report as being late on my credit history, as well as several late fees. I have also been a victim of Fraud and they did not remove the Fraud Charges from the Minium due, or the fees associated with the Fraud. Furthermore, even though I have made my payments on time in the past Citicards/Home Depot refuses to work with me on the past Weather Disaster Deferment or the current XXXX involving XXXX and now XXXX even though I do have given them a copy of the FEMA letters that I have, and my ZIP CODE being on the list of affected counties in XXXX.
Consumer complaint received 2024-10-11
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: WELLS FARGO & COMPANY (CA)

For the past ten years, I have been working to resolve credit reporting issues with Wells Fargo that have caused my credit score to plummet from XXXX to XXXX, impacting my purchasing power. Additionally, their misrepresentation and predatory practices in mortgage loan documents have led to over {$200000.00} in prepayment penalties. 

In XXXX of 2024 I sent an inquiry to Wells Fargo regarding the accuracy of information on my credit report for account number XXXX which I didnt have, and has been on my credit report for ten years.

In response to my inquiry, Wells Fargo sent a credit dispute letter with ID # XXXX, indicating they were unable to locate the account and needed further information.

I made a follow-up call to Wells Fargo 's credit card debt collection department and provided my Social Security number and birthdate to assist in locating the account on my credit report. 

The Wells Fargo agent was unable to locate the account linked to my credit report. He recommended that I contact the three credit bureaus to request its removal. I subsequently sent a letter to the credit reporting agencies asking them to remove WSBNA from my report. 

The three companies responded, indicating they could not remove the account, and that only Wells Fargo has the power to do so.

Wells Fargo is too large to be held accountable. Their fraudulent and predatory practices harm individuals and damage livelihoods.

This situation has certainly had a negative impact on my life, and all I can do is learn to live with it.
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NM)

My XXXX XXXX and I separated in the year of XXXX. I paid the bills up until XXXXXXXX XXXX XXXX I was out of the house at a completely different address. The payments started to dish were coming from another source until she flat out stop paying. I sent in legal court documents to show I was not in the house. We then made an arrangement for me to collect the equipment and send it back. I did so and have never received credit or any type of compensation for return of everything they asked for. I have sent in everything I can to dispute this and its been over 5 years and according to them this took place of XXXX as in delinquent non payments. Our XXXX  was finalized in XXXX making clause that I wasnt even in the house when they decided to put me in collections. After I sent the equipment. I dont know what the XXXXXXXX XXXX is for so I can not claim that one this money. I do not owe a thing to anyone but a small bank loan. This is destroying my credit and its the last thing I need off my credit report so I can finally have a house of my own at XXXX  years of age after excruciating XXXX. I ask you to please take into consideration. I have been paying for my XXXXXXXX XXXX  subscriptions after I moved out since XXXX not including XXXX XXXX. Thank you.
Consumer complaint received 2024-10-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

A XXXX charge that was cancel in the allotted to time to cancel. Have tried everything I know to do about this charge with USAA I summitted a dispute and cancellation on XX/XX/year> with USAA, also I tried to do a cancellation on XXXX A free cancellation window closed on XX/XX/year>. USAA are still holding the charge on my account and refuse to do anything about the charge. I forward the cancellation policy to them and still nothing!