davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (FL)

On XX/XX/year> I discovered that someone had been stealing all of my benefits from XXXX using my information and a card that I never received for unemployment benefits. On the same day that I discovered that fraud had occurred which was on XXXX I reached out to Way2go prepaid card services and filed a claim for fraud. At that time the representative gave me 2 out of the many transactions that had been made at XXXX to get the money off of my card. One of which was in XXXX florida and the other was in XXXX florida. I received a resolution on my fraud case # XXXX when I called Way2go fraud services on XXXX saying that my claim was denied because it was past 120 days the time frame to make a claim. That is not my case because the same day I discovered the fraud I filed a claim. I didnt even wait a day or XXXX later. I immediately reported the fraud. The only reason I even found out about the fraud is because I was applying for unemployment benefits again and I went to the my payments tab and that is when and where I discovered the fraud.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/2024, I transferred {$1800.00} from my American Express Bluebird checking account to my XXXX XXXX XXXX checking account. The money was pending until XX/XX/2024. Then the transaction disappeared from my XXXX account transaction history. In the evening, of XX/XX/2024, it showed as successfully completed, but did not show in my XXXX XXXX XXXX Checking account. I spent an hour and 40 minutes on the phone with the Bluebird customer service reps, asking for an ACH number, so that I could investigate what happened with the XXXX folks. They refused to give me an XXXX number, only a transaction number. I gave this number to XXXX. And, just as I feared, it did not generate any information in the system, when my XXXX transaction investigation team looked into what happened. It is now XX/XX/2024. I do not have my money, nor an ACH number. On my transaction history, XXXX does show it is an ACH transfer.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are fraudulent account and inquiries on my credit report that need to be removed ASAP : 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
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by ALDOUS AND ASSOCIATES LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by ALDOUS AND ASSOCIATES LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand ALDOUS AND ASSOCIATES LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX It has come to my attention that ALDOUS AND ASSOCIATES LLC XXXX lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/year> I had my tax check deposited to my venmo account well I had lost my card so I couldn't get my money out my account, then I don't bank with another bank to do a transfer so my sister gave me her debit card info I tried using it, but it was already linked to her venmo so they froze my account wanted verification. I sent them all my info and my sister 's, then I received a email they was closing my account and in 180 days I would be able to get my tax refund out their venmo account. But I feel like I didn't do anything wrong and they could at least give me my money .it 's my tax return that I was counting to buy a bigger ride for my family of XXXX..if u could help me get my funds back id greatly appreciated it
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX in violation if the irs code Article and the CFPB also the FCRA and the fair debt reporting act all consideres charge off as a certificate if indebtness and that means the debt is treated as income and therefore eligible to be removed also I was never notified that the debt was in the status nor was given the opportunity to respond and that violates the FTC and FCRA Acts, I never recieved a 1099 C from the Credit union also it is clear even under title 15 1681 2 ( a ) b ii the charge off is a income and can not report on person credit therefore it must be removed also the company refuse to do due diligence and still wanting to charge me for everything yet on the reports the numbers are different again and the company should release me from any i debt Ness it also violates the XXXX XXXX codes and Federal guidelunes .....
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

The first time I used XXXX XXXX I tried to pay them off before they put me on the credit bureau in the middle of repayment. They turned me into the credit bureau for nonpayment. I still finish paying them and it ended up being a charge off with a XXXX balance, I was living in XXXX XXXX XXXX XXXX the first time this happened or I had an outstanding balance. The second time I had I use XXXX XXXX they were, I was living in XXXX, Texas in the XXXX XXXXXXXX XXXX XXXX XXXX. The second time I had I use XXXX XXXX. They were extremely aggressive, always threatening to terminate my service. Overcharging me with excessive billing Delivery charges and service fees told me if I needed help to go to XXXX XXXX. I would XXXX XXXX for help and they keep on saying that XXXX XXXX payments were late and then accruing late fees. As soon as my contract was ended, I found a new service provider, I paid XXXX XXXX monthly {$75.00} a month one month I paid {$70.00} XXXX XXXX and they immediately turned me into the credit bureau XXXX XXXX without my notification : written verbal, electronic mail, postal mail or otherwise they said they took me in at {$100.00}. I was unaware of that and I paid one more {$75.00} payment, I checked my credit history and it was there and I was not told it was there. I just was told by XXXX XXXX that my credit score had changed.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RAB, INC. (NV)

XXXX : received " letter of representation '' for a debt collection from RAB, Inc. in Texas and " invoices '' that showed past due for subcontractor services that were provided to and billed to a homeowner and paid by the general contractor. The company threatened to file against the general contractor with XXXX XXXX XXXX credit filing and also stated that it was a " pre-legal '' matter prior to filing even though it had no legal judgment to show that a debt was legally owed. When asked to show proof of law license and business license, the company failed to show license to do business in the state where it attempted to collect a debt. It also stated that no attorneys were involved but yet held itself out as a company that could take legal action on behalf of its client.
Consumer complaint received 2024-06-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upgrade, Inc. (CA)

Its a spam call with automated voice messages. The company is trying to impersonate Upgrade Inc. That company I have had problems paying my loan due to life circumstances. Since last week I have been receiving repeated phone calls back to back and minute after minute from some company called Inc. upgrade. I have already been in talks with upgrade regarding my loan status and pay options. I do not recognize this company and if Upgrade Inc debt collections calls me I know its them. They also dont call me one minute after the next. I know my personal information was leaked due to a XXXX XXXX XXXX XXXX breech and I do not reply to this number. I blocked and reported them to the FTC yesterday and they call again today. Random phone numbers they use to continue to Harass me is : XXXX with a voicemail directing me to call : XXXX
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (VA)

At XXXX XXXX  on XX/XX/XXXX, I went to withdraw money that was necessary to pay bills from a Wells Fargo ATM with a XXXX XXXX debit card. The card was returned, a receipt was printed, but the money was never provided. While the machine was counting and as I prepared to take the cash, the ATM produced the screen of No Cash Currently Available and provided two alternative machines in the area. They withdrew the money from my account. I retried the transaction, same thing but my account only {$600.00} ( est ) in the account. I went to the only branch I know of in XXXX and the teller told me the money was supposed to be flipped back to my card. I told him it was not. He tried a cash advance it would not go through. The branch also informed me that I needed to file a complaint with my bank. I submitted the complaint. I have the original receipt, pictures of what was displayed, and I did provide an address of the ATM to the person from XXXX XXXX. However ; the one submitted was the incorrect one because we could only go by stores that surrounded the area. I do have the correct address.
Consumer complaint received 2024-06-06
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. (AR)

Chase closed a dispute in the vendors favor, even though we chose a refundable airline ticket, showed that it was refundable in our reciept, all the airline did was show some random text for their NON-refundable tickets ( which we did not purchase ) that there was no refund, and Chase chose in their favor. This is not acceptable. They did not consider our evidence.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (CA)

Global Lending Sevices LLC on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report XXXX on XXXX XXXX ran my credit report XXXXXXXX XXXX XXXX XXXX on XXXX XXXX ran my credit report XXXX XXXX on XXXX XXXX ran my credit report I have already did my FTC Report I also sent the FTC to the credit bureau, but they came back saying that this was correct, specifically stating that I would like for this companies to send the correct and proper documents showing that I applied with them ; they have not and have failed too.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NV)

Im unaware of this debt and did not have the opportunity to dispute his debt. Nor did I receive proper notification of this debt. If in fact, you believe you provided me with proper notification send me a certified receipt with my signature on it.
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

I informed XXXX that the debt was not mine due to fraud at XXXX of their franchises. I was led to believe there was no debt under my name. Under 15 USC 1692j, the debt collector used deceptive practices, claiming to be the company collecting XXXX XXXX debt. I contacted XXXX, and they confirmed that I owed them directly, stating they did not employ a collection agency ( voice recordings ). Pursuant to 15 USC 1692k, I seek {$1000.00} in damages for the intentional violation of the laws in this section. According to 15 USC 1692c ( a ) ( 1 ) and ( 3 ), it was an inconvenience and a violation to contact me at my place of employment, XXXX XXXX XXXX, XXXX, NC ( XXXX XXXX XXXX ), after I declared the debt was not mine. Per 15 USC 1692c ( b ), XXXX and Southwest Credit Systems attempted to collect the same debt simultaneously on XXXX ( XXXX ) and XXXX ( Southwest Credit Systems ) , using the same account number ( XXXX ). According to 15 USC 1692e ( 10 ), XXXX and Southwest Credit Systems engaged in collusive deceptive practices to collect on the same debt on XXXX, and XXXX also broke 15usc 1692f ( 8 ), by using two different addresses XXXX XXXX XXXX XXXX, oh XXXX southwest credit systems ) and XXXX XXXX XXXX XXXX, XXXX ( XXXX ).
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (KS)

Checked XXXX XXXX report on XX/XX/year> and notice a Indigo Platinum Master account on my credit report with a limit of {$700.00} and {$170.00} has already been spent. Looks like a hard inquiry was done on XX/XX/year> and a card was issued the middle of XX/XX/year>. Indigo customer care service number is XXXX and correspondence address is Concora Credit XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX  shows information as INDIGO XXXX  XXXX  XXXX XXXX XXXX XXXX OR XXXX . I have place a credit freeze on credit report through XXXX and they stated they would notify XXXX and XXXX. The indigo account was not on the XXXX, but was seen on the XXXX account.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (KY)

On XX/XX/year> at XXXX est I called my mortage lender which is Freedom Mortgage to see why I keep getting mail and emails about lowering my rate. I informed the agent that I was NOT interested in refinancing at this time and he offered to check my new possible rate without running a credit check of any kind. While on the phone with him I received a hard inquiry credit check from them. It showed up as XXXX XXXX. He apologized and said that it should not have done that. 

Today XX/XX/year> I called and spoke with management at the company. They did listen to the call and I clearly stated NOT to run a credit check. The manager said that he listed to the call and I was in the right and it was a mistake by the agent and apologized. 

I wanted to make the extra step of reporting this in hopes for this hit to come off of my credit check as it has caused a LOT of XXXX XXXX XXXX First off, it damaged my credit slightly and has also opened the door for over XXXX phone calls from other lenders calling in hopes to earn my buisness on a refinance. I
Consumer complaint received 2024-06-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I am writing to file a formal complaint regarding a collection accountS labeled AMSHER COLL ( Original Creditor : XXXX XXXX XXXX  ) XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-07-02
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. (CA)

please delete the unauthorized inquires here 's the lists \ XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-05
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: Union Home Mortgage Corp (IL)

On XX/XX/XXXX, Union Home Mortgage sent a letter to me stating that the amount I pay into my escrow would increase by {$610.00} per month after they did an escrow analysis. For my XXXX taxes ( payable in XXXX ) my total property tax bill for the year was {$5700.00}, which was paid in the second installment of property taxes. Because I received a new PIN from my county, I did not have a first installment bill for my XXXX taxes. Therefore, {$0.00} was paid in the first installment. For my first installment of XXXX property taxes ( payable in XXXX ), my bill was {$3100.00}. Union Home Mortgage paid that bill, then stated they were raising my escrow account because they had to pay {$8800.00} in the past year. However, the {$8800.00} includes one and one-half years of my property tax bills ( total XXXX {$5700.00} and partial XXXX {$3100.00} ), not one year. 

So for my XXXX taxes ( payable in XXXX ), my total annual tax bill was {$5700.00}. 

Union Home Mortgage is estimating that my second installment for XXXX taxes ( payable in XXXX ) will be {$5700.00} ( coincidentally the same amount as my total XXXX tax bill ). With my first installment of {$3100.00}, that indicates that they estimate my total annual property taxes will be {$8800.00} -- a 55 % increase from the previous year, even though I did not receive a property tax assessment increase nor a tax rate increase yet. 

When I tried to explain the situation to them, they either did not respond to my emails, told me I had to wait until the second installment of my property tax bill was released ( which could take months of overpaying into my account ), or told me I was wrong.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

I recently check my credit report and I saw a collection on my credit of {$3100.00}. I dont know who are these people and I have never applied for such. Based on the reports it shows that the account or transaction occurred in New Jersey. I stay in XXXX XXXX all my life. Im a taxi driver and Im always busy with my work.