davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HarrisLoftus, PLLC (VA)

On XX/XX/year> I discovered that I was being sued ( warrants of debt ) by Harris Loftus PLLC for debt owed to XXXXXXXX XXXX XXXX. I was able to obtain this information by searching on the Virginia Court Case Information Website. On XX/XX/year>, I contacted Harris Loftus PLLC to verify the debt. I was told by representative that the information had already been sent out to my old address. I explained that I had moved and I would like to have verification of debt sent to me at my new address. The representative declined and began to push me to make a payment. I explained that I wouldn't make any payment arrangement until the debt was verifiable and asked what type of payment arrangements could be made to settle debt. The representative said that the court lawsuit would continue unless debt amount was paid in full before court date and payment arrangements wouldn't stop the court proceedings. I again asked to verify debt and the representative declined. I hung up the phone. 
Harris Loftus PLLC has illegally tried to collect the debt by not properly notifying me of the debt and refusing to verify debt information. The company has also filed a lawsuit in secret regarding a unverified debt.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (NY)

This dispute is about Early warning I sent an dispute on in XXXX in regards to an account with XXXX XXXXXXXX XXXX and an account with XXXX XXXX XXXX. Early warning is reporting inaccurate and unverifiable information. In my dispute i asked them to provide me with whatever documents that they received or phone number and name of person they spoke to to verify this account. I also needed the documents sent to me, like any documentation that could verify their claim of " Checking account fraud '' that they have on my report, they failed to provide any documents. This is a horrible claim to put on my profile. they are violating my consumer rights and because of their inaccurate reporting im unable to open a bank account that is not right and I demand they delete this misleading false information. I have attached the letters that was sent out to early warning. please see attachments section.
Consumer complaint received 2024-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (NV)

I keep receiving collection efforts from National Business Factors for an alleged XXXX bill of {$59.00}. I have advised them numerous times that I had XXXX  insurance at the time of service at XXXX XXXX XXXX XXXX and they have not billed it properly. This is becoming harassing and improper. I dispute this billing and have numerous times with National Business Factors. I am a XXXX  citizen on a XXXX income and this is unfair and abusive.
Consumer complaint received 2024-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year>, I purchased tickets to attend XXXX XXXX  performing on XX/XX/year> at The XXXX XXXX, as advertised to me in a XXXX email recieved on XX/XX/year>. I realized this to be false when I noticed the bands XXXX posted their tour and XXXX, The XXXX XXXX venue wasnt included in XXXX XXXXXXXX band tour, and they were performing in XXXX on XX/XX/year>. In addition, I received an email reminding me of the concert, however they did not mention XXXX XXXX in the line up, just XXXX XXXX and XXXX XXXX, which was not mentioned in the email from XXXX announcing XXXX XXXX. I was a victim of false advertisement through the venue and of XXXX. So on XX/XX/year>, I contacted XXXX in which they resolved they couldnt refund me the amount of {$43.00} for the falsely advertised concert on their behalf. I then contacted Capital One on XX/XX/year>, in which they resolved the case today, on XXXX XXXX as invalid and I was charged the full amount of {$43.00}.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Under FCRA 605B, we are required to eliminate any false accounts from my credit history. This entry is inaccurately listed and needs to be removed. I am eligible for {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (GA)

Every account on my credit from americollect is a repeat bill of XXXX bills being reported multiple times. But when I asked for the bills they lie and say they represent east Georgia regional but they represent er doctors not the hospital. They refuse to give me the names of the doctors. 
I've been homeless now for months because of my XXXX XXXX XXXX I can't buy a car all be cause they are crooks.
Consumer complaint received 2024-07-08
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: MEGA CAPITAL FUNDING INC. (SC)

I called to initiate a recast of my mortgage through principal curtailment. They said they would send instruction through the mail. The letter showed up 11 days later without providing the physical address of where to wire the funds. I called them back as noting the physical address is a legal requirement of wires and they said they were not able to provide that information. They are purposefully blocking me from recasting my mortgage with them. It is also unclear if I have to wire the funds by XX/XX/24 or if all the notarized paperwork has to be sent in by XX/XX/24 for this recast to take effect before the next due date of XX/XX/24.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-05-25
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)

I am writing to formally address the ongoing presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing thorough documentation and evidence to support the removal of these fraudulent items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. It is crucial that immediate action is taken to rectify this matter. I am asking for your help for comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

Furthermore, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; Original Creditor : XXXX XXXX XXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX, XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX  XX/XX/year> ; XXXX XXXX  XXXX XXXX XXXX {$21.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I paid off my Lowes credit card balance to XXXX  and the following month Lowes is charging me {$23.00} in fees and interest. My balance should be XXXX. How do I owe interest and fees on a XXXX balance? I have paid more in interest and fees in the past year than the amount I charged and borrowed which is XXXX. Now I am being charged fees and interest on a XXXX balance after I have paid my XXXX bill down to XXXX? These XXXX corporations are out of control.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Inquiries that are being challenged WORLD HYUNDA - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-05-25
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

we've completed our research of your recent inquiry about three ( 3 ) wire transfers requests initiated through online banking totaling {$29000.00} between XX/XX/year> and XX/XX/year>. 

After reviewing all the information available to us regarding the online wire transactions you are disputing, we have determined that those transactions compiled with the governing security procedure as defined in your account documentation. under our online access agreement, you are responsible for online wires that comply with the governing security procedure, even if you did not initiate them.

As a courtesy, we initiated one more wire recalls on your behalf to attempt recovery of the funds from the bank ( s ) that received these wire transfers. Unfortunately, the beneficiary bank responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim.

For more information to help protect against fraud, please visit wellsfargo.com/privacy-security-fraud.

If you have questions, please call us ar XXXX, Monday through Friday, XXXX XXXX.
Consumer complaint received 2023-03-13
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. (FL)

On XX/XX/2023, I received a notice from Transunion of a hard inquiry from XXXX XXXX XXXX  which I did not authorize. This notification came as a surprise to me since I have not requested any financial products from XXXX XXXX XXXX or any other bank on those dates nor have not been on the market requesting any other financial products from other institutions. I contacted XXXX XXXX XXXX  and did nothing to assist stating that the issue must be addressed and resolved by Transunion. I then communicated with Transunion and said they were going to address this situation and send the bank a notice to correct and remove the inquiry. Days later I then follow up with both Transunion and XXXX XXXX XXXX  because the inquiry was till showing up and nothing was done to assist me. Again I communicated with Transunion and they stated that they were going to take action but I had to wait 30 days from the date of the inquiry was made for the information to be corrected when my monthly credit report refreshed. After 30 days I call again Transunion and a person from XXXX 'assisted ' me and said that no action had been taken and that I needed to go to the local police to make a complaint. 

I need my credit report to be corrected because XXXX XXXX XXXX  has not done nothing to correct this inquiry and Transunion has not been proactive in resolving my issue either, giving me three ( 3 ) different versions of steps to be taken to correct my information however, nothing has been done. 

I do not have any relationship with XXXX XXXX XXXX  and have not submitted requests to be considered for their products.
Consumer complaint received 2024-05-25
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. (GA)

I receive a letter XX/XX/2017 stating my information was breached stating In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. Equifax has reached a proposed settlement to resolve class action lawsuits brought by consumers alleging Equifax failed to adequately protect their personal information. 
Equifax denies any wrongdoing, and no judgment or finding of wrongdoing has been made. I would like all negative information to be remove and compensated for their wrongful unlawful actions.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have XXXX checking accounts and a savings account with Bank of America. I have been a customer for over XXXX  years. Bank of America no longer has banking centers in XXXX XXXX XXXX For just XXXX I was charged {$5.00} monthly maintenance fees on XX/XX/XXXX, XXXX. 
I was also charged {$10.00} overdraft fees on XXXX ( XXXX on this day ) XXXX. 
I do not have a way to deposit cash as there is not a banking center nearby. I did speak with a customer service rep and a couple of those fees were reversed, but this happens every year and it seems like theyre requirements for waiting monthly maintenance fees, continuously changes, even though I have grandfathered accounts. 
I would close the accounts and use another bank, that does not charge various fees, but I have to go into a banking center to close the accounts ; And again we do not have any in XXXX XXXX XXXX 
I feel that the feast that Bank of America charges are scrupulous and unwanted.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P. (LA)

After receiving a email for the Company I am employed with regarding a garnishment i immediately reached out to LVNV and the Law office that was sueing me making them aware that this was not my account. They told me the documents that had to be submitted and I submitted those documents and did a dispute. After 30 days the dispute was closed and LVNV stated that the sue was already in process I had to contact XXXX XXXX. XXXX XXXX told me it was not their job to prove this account was not mine it was my job. I have turned it everything possible stating this account is not my account, I have never had an XXXX XXXX account. I would like this removed and dropped please.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to follow up regarding the ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to appear on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. Please help me remove these items immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from my credit report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NJ)

There has been fraudulent accounts made under my name, I've asked for them to be closed and not charged, these people racked up an absurd amount on each of these cards that now it's impacting my credit score and I won't pay them because this isn't me doing this. I've called before about how my cards were hacked and how I wanted a new card or if it's possible to close the account and reopen it so I can have everything completely new and be able to access the apps finally I have no login access or card access so whoever has these cards are in for an awakening because I don't think these are active anymore but there's an amount due on them
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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