davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aqua Finance, Inc. (CA)

My name is XXXX XXXX XXXX XXXX and on XXXX XXXX, 2024, I noticed a descrepancy on my credit report. I saw a finacne charge from a company called Aqua Finance. I have never heard of this copmpany, so I reached out to the number on XXXX, XXXX, and no assistance was provided so I mailed out a validation demand. It has been over 30 days in fact it has been 60 days to the date, XXXX and I want this descrepancy removed. My credit report is reporting XXXX dollars owed and again I have never heard of this company, Nor have I ever done business or gave them permission to access my social security. Below is a copy of the second letter I sent after not hearing from them for 30 days. 

XXXX XXXX XXXX XXXX Aqua Finance Inc XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WI XXXX XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, on XX/XX/year> and a second XXXX XX/XX/year> Requesting to be provided : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Under, the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation that you did receive my letter on XX/XX/year>. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX XXXX XXXX XXXX <Dated XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-09
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: Early Warning Services, LLC (NJ)

I submitted a complaint over inaccurate data, data over XXXX years old, information not accurate that was submitted and the company did not respond nor fix the errors within XXXX  days, as required by law, the information illegally remains.

They sent a boiler plate response that fixed nothing.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. The Creditors PYOD LLC, XXXX XXXX & LVNV FUNDING are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXXXXXX XXXX and XXXX XXXX The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

XXXX and Experian both have failed to respond to disputes timely. I submitted written disputes for collections. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (IL)

I have requested a debt validation as well as the proof of the agreement bearing my my signature stating that I have agreed to consume this debt. 


The matter of the fact is I have not signed anything tying me to this debt nor ever spoke with anyone at pro collect. I have tried to reach out to this company to speak with XXXX XXXX and the people at pro collect are really rude and have hung up on me without trying to hear me out or help me. She asked for my social over the phone when I refused hung up on me. 

This situation has caused me distress
Consumer complaint received 2023-12-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERISAVE MORTGAGE CORPORATION (WI)

Amerisave mortgage company has violated federal regulation c, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders. 

2020 title company violated federal regulation C, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders.
Consumer complaint received 2024-04-04
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: JPMORGAN CHASE & CO. (CA)

I originally booked a hotel ( XXXX XXXX ) in XXXX to celebrate mine and my fiances engagement. The trip was booked using Chase Sapphire Reserve reward points. Upon arrival I checked into and gave them my Chase Sapphire Reserve card for incidentals. I checked out three days later with no issues. A day after I checked out I received a charge of {$710.00} on my credit card for a smoking charge of {$500.00} and then 4 days of various NY taxes totaling the other {$210.00}. I immediately reached out to Chase to dispute the charges. Simultaneously, I reached out to the merchant ( XXXX ) to dispute the charges as I do not smoke and did not smoke in the hotel room at all during my 3 days stay. It was a small hotel room in XXXX if anyone smoked the alarm would've went off and complaints made by neighboring rooms. I exchanged emails with the Operations manager ( see attached email ) explaining perhaps the alarm was set off by use of hair spray and or a hot steam showers taken during that cold XXXX degrees weather in XXXX. The operations manager was looking into the issue but never got an answer from the alarm company. Then she went on maternity leave without a resolution. 

The credit card company ruled since the card was " given in person '' there's nothing they can do. Even though I've provide the ridiculous itemized receipt along with email exchanges they claim it was out of their jurisdiction. The initial dispute was rejected which they asked me to write a letter which I did. The dispute was reopened and then rejected again. During my discussion with chase they agree that these are weird suspicious charges but it was out of their jurisdiction to do anything. I'm writing to CFPB hoping there is something that can be done to protect me from these fradulent and unproven charges.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX caused a denial of my apartment application in which my income is XXXX the rent and I have no debt nor any evictions nor did I even have a social security number on my application as there was no option to put XXXX therefore the information provided by XXXX XXXX is complete unverifiable. Ive constantly reported this matter to Experian as well and as a result it seems as though Experian has not removed the fraudulent accounts from my credit profile. Such as the XXXX accounts etc to no avail. Now I am suffering injury and loss. I have already submitted a police affidavit pursuant to the matter. No affidavit nor verified person in opposition has came forward in dispute.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (CA)

Home Loan # XXXX I have respectfully been requesting Wells Fargo Bank and XXXX for over XXXX year since XX/XX/2022 to current to please Modify our Home Loan only to keep getting lead on with series of delays after submitting the requested documents multiple times. Wells Fargo Bank keeps asking the same repetitious questions even though I have submitted all the required documents several times. Currently they are asking the repeated questions pertaining to the exact the same documents that have been submitted since 2022 to present. 
It is very very disappointing that Wells Fargo Bank and XXXX continues to bully consumers like us. We are just a normal regular family trying to keep the XXXX XXXX of home ownership and are asking for the monthly mortgage to be affordable at around {$2100.00}, on a fixed low rate that includes the insurance, escrow and property taxes with no penalties for early payments. 
Respectfully looking forward to an amicable resolution.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report including my signed signature saying I agreed to the contract that your trying to collect.Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Merchants Adjustment Service, Inc. (AL)

Sent Validation letter by standard mail XX/XX/2024. There was no Response after 30 days sent a second letter certified to Validated the debt to show proof of Purchase agreement Still No Response.

This company has not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

called XXXX XXXX XXXX and they agreed that on their end, i did not request for any credit but advised that i report it to the credit agencies
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Repeated frequent calls from numbers and locations all over the country from Portfolio Recovery. I have repeatedly stated to them that I do not have any business with them and asked them to quit calling me. This has been going on for 2-3 months now.

I receive an average of 3-4 calls daily.
Consumer complaint received 2024-03-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MN)

XXXX Purchased Vanilla gift card from XXXX and loaded {$200.00} on it. 
XXXX I Presented it to my grandson for XXXX, XXXX My grandson tried using the card at several vendors without success. The third set of four digits on the front of the card were scratched off when my grandson opened the card. 
XXXX My grandson reached out to Vanilla gift cards about the defective card. He was told to take pictures of the card and email the information to XXXX - he was also told that a replacement card would be sent to him within 5 days. My grandsson sent the information as instructed and has an email to confirm it was sent XXXX 
XXXX My grandson and I reached out to Vanilla gift card in a phone call. They stated that the email from my grandson had not been received until XX/XX/24 and they legally had 30 days to investigate the claim. 
XXXX My grandson and I initiated a 3-way call with Vanilla gift card. We let them know that the replacement card had not been received, and that my grandson moved on XXXX, but has been checking his old address for the replacement card without success. We also asked them to send the card to my address. I have since given my grandson the cash value of the card and have taken responsibility of the card. I sent a copy of my receipt to Visa Vanilla Gift cards.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX  XXXX late payment XXXX  days. In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account XXXX