davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (OR)

Couple months ago I noticed a huge drop on my credit score, after checking my credit report I found out that I have a collection from my previous landlord ( XXXX  XXXX  ) where I moved out from in XXXX XXXX. They are charging me for repairs and those items are something I didn't recognize when I moved out. Such as repainting the whole walls, water leakage and molds. 

Before moving out, I have provided my new address, my phone number to the manager ( XXXX XXXX XXXX ) and they have my email in their system. I've also made an appointment with XXXX XXXX at the apartment for her to check the apartment condition right before moving out. She agreed that there was no issue regarding the repairment and we don't need to worry about it. Within 30 days after I moved out, I emailed XXXX XXXX to ask the status of my security deposit. No response. They also did not contact me about the repairment, so I thought there's no issue since we had the manager checked the apartment. I assumed if they think I am responsible for the repairment, they should have contacted me within 30 days after I moved out, instead of sending my info to collection agency after a year. 

After I discovered the collection, I contacted the collection agency and ask for more information. Also asked collection agency to provide proof such as pictures of the repairments to prove that this really belongs to me. Collection agency and XXXX XXXX  fail to provide the proof of debt. If this really belongs to me, I asked them to provide the photos of the repaired location/area before and after they repaired it. I have not yet recived the proof. 

Given that they did not care to contact me within 30 days after I moved out regarding the repairment, also they did not care to provide any further information/proof. I suspect this is a fraud collection. Becuase what they described does not match to what I saw and the manager said when I moved out. When I moved out, I did a full inspection and made sure I cleaned every spot. Hence, I believe I am not responsible for this collection. And this collection account shuold be closed. Any collection account on my credit report shuold be removed if they can not provide further proof.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

Received another debt the third debt collector it has been given to for {$5800.00} and it has been going on since XXXX. I have tried to prove that it was Identity Theft maybe due to the XXXX data breach and that Im XXXX XXXX XXXX and would never do any loans on line or know how to go about it.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00XXXX XXXX XXXX. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXXXXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$780.00}
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (PA)

On XXXX, I was called by my bank, XXXX. I was advised to wire a large amount from my savings into a 'safety account ' at Chase bank XXXX I was told that I had to wire my funds because my savings account was being hacked due to fraud throughout XXXX. 
A couple hours after sending the wire I called XXXX  's fraud department and received the shocking news that I had been spoofed by impersonators into a push payment to a fraudulent/scammer 's account. The fraud department then told me that they would immediately issue a swift recall to Chase bank and open a fraud case to have Chase put a hold on the account with my funds. 

Because of the holiday, XXXX  bank contacted Chase on XXXX. We haven't heard anything from Chase and I am worried about the criminals having access to my funds. 
That day, prior to sending the wire I received an email from XXXX XXXX showing a debit from XXXX XXXX I called the XXXX billing phone number on the email and was told by a 'representative ', XXXX XXXX that my account had been hacked. 

A XXXX XXXX then called me from the XXXX XXXX department XXXX saying that XXXX contacted his department and that my saving account was hacked-accruing hidden charges amounting to XXXX and that I had to immediately store the potentially debited funds into another bank account at Chase bank for XXXX ' while XXXX  investigated the fraud. I heard the XXXX  prompting music when I was placed on hold so he could connect to 'FDIC XXXX. All very convincing, especially because I was under duress thinking that my savings account was in threat of being depleted. 

XXXX XXXX then told me that my phone was probably hacked too, and I was advised not to make any calls. He said for me to be able to gain access to the new 'safety account ' that I had to send a photo front/back of my state id to verify my identity.
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NY)

I have a auto Loan with Wells Fargo Dealer services which started in XX/XX/XXXX. I have always paid more than the monthly installment of {$240.00}. In a few months, I enrolled in autopay. In XX/XX/XXXX, received a call that I have missed a payment for XX/XX/XXXX. I was surprised and told them that I had auto pay. I was told that they did not see an autopay, while I had selected the option, entered the bank details, etc and done the needful. I tried to explain to representative from the bank that it was a processing error on their end. And was told that if I paid, everything would be okay. I did as was told and since then, have mostly paid more than the required monthly on time. 
IT IS WORTH MENTIONING THAT SINCE THEN WELLS FARGO DEALER SERVICES HAS DONE AWAY WITH IT ARCHAIC WEBSITE AND INTEGRATED INTO THE UPDATED CONSOLIDATED WELLS FARGO WEBSITE. 

More recently, when I looked at my credit reports, this loan account where I had paid as required ( and often more ) is marked as " potentially negative '' due to this XXXX late payment ( XX/XX/XXXX ) generated due to malfunctioning of the payment platform. This is negatively impacting my credit score and my ability to seek credit from suppliers for my new business venture. Although, I was not aware at that time, but this would have also impacted the decision of employers, lenders, etc. in the past. 
Yet my only humble request is to consider this issue and remove negative check from my payment history, so I may not suffer further due to this issue.
Consumer complaint received 2017-03-19
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BB&T CORPORATION (PA)

I applied with my fiance XXXX for a home equity line of credit with BB & T Bank on two separate occasions. We were verbally turned down twice ; stating since XXXX was not on the house mortgage loan, she did not qualify as a co-borrower. We never received any official turn down letters and it has been well over 30 days. On one occasion we were told we could not afford the payments for the amount requested, we then lowered the amount of the loan only then to be told that XXXX did not qualify as a co-borrower. We were told because XXXX is not on the mortgage, that she could leave and I would n't be able to make the payments. At one point, BB & T asked XXXX to provide a utility bill to prove she actually lives at the residence, even though she has credit accounts, a drivers license, pay stubs, and XXXX all showing our address. I have called many banks and asked if a co-applicant could go on the home equity loan, while not being on the mortgage or deed, and have been told its permitted. We both have excellent credit and are not sure what the real reason is for not being approved. By law they can not turn us down because we are n't married, and XXXX hopes it is not due to her being XXXX. We are concerned that it could be one of those two reasons.
Consumer complaint received 2024-01-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (OR)

Couple months ago I noticed a huge drop on my credit score, after checking my credit report I found out that I have a collection from my previous landlord ( XXXX XXXX ) where I moved out from in XXXX XXXX. They are charging me for repairs and those items are something I didn't recognize when I moved out. Such as repainting the whole walls, water leakage and molds. 

Before moving out, I have provided my new address, my phone number to the manager ( XXXX XXXX XXXX ) and they have my email in their system. I've also made an appointment with XXXX XXXX at the apartment for her to check the apartment condition right before moving out. She agreed that there was no issue regarding the repairment and we don't need to worry about it. Within 30 days after I moved out, I emailed XXXX XXXX to ask the status of my security deposit. No response. They also did not contact me about the repairment, so I thought there's no issue since we had the manager checked the apartment. I assumed if they think I am responsible for the repairment, they should have contacted me within 30 days after I moved out, instead of sending my info to collection agency after a year. 

After I discovered the collection, I contacted the collection agency and ask for more information. Also asked collection agency to provide proof such as pictures of the repairments to prove that this really belongs to me. Collection agency and XXXXXXXX XXXX  fail to provide the proof of debt. If this really belongs to me, I asked them to provide the photos of the repaired location/area before and after they repaired it. I have not yet recived the proof. 

Given that they did not care to contact me within 30 days after I moved out regarding the repairment, also they did not care to provide any further information/proof. I suspect this is a fraud collection. Because what they described does not match to what I saw and the manager said when I moved out. When I moved out, I did a full inspection and made sure I cleaned every spot. Hence, I believe I am not responsible for this collection. And this collection account should be closed. Any collection account on my credit report should be removed if they can not provide further proof.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I was going over my credit report the other day and was quite angered to see that there were inquiries being reported that I never gave permission to even be run. It looks like the bureaus validated these inquires by allowing them to be reported on my credit report ; however I did not give permission to anyone to give away my information to the companies stated in the letters attached.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (OH)

I checked my credit report XX/XX/2018 and saw CCI was on my credit report for {$550.00} for a XXXX XXXX bill. I still have XXXX XXXX so i immesiately called them and I was told it must be some mistake because my services from my old address were transfered to my new address so There should be no past bill of XXXX. The XXXX XXXX  employee told me that my fonal bill from the old address was XXXX and was paid. I called CCI and explained they must have me mixed with with someone else and that I never recieved any notice of a debt from them and was not told in writing of any XXXX, I simply found it on my credit years later and It cant be true. I was met with hostility and I was told It was mine. I explained why did I never receive anything from Cci at all and she didnt answer me. I called XXXX XXXX again and they emailed me a final bill and said it must be a mistake but she apologized for XXXX XXXX having the old address and she said i dont think we sent the old bill to the new house even though we had that info because we switched services over. She said I must have paid the XXXX during the " transer over '' process because It was sent to the old address. i called CCI again and they refused to explain why I was never told of debt.
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I was emailed on XX/XX/2022 by Wells Fargo Fraud Detection. The email stated that unusual activity set off their Payment Card Fraud Alert. They included a few of the transactions and I realized I did not make them. I was not able to log into my Wells Fargo account online and so I called the number provided to inform them that I did not make the transactions. They said they would open an investigation as I was now overdrawn {$2100.00}. They declined to credit me while they investigated. I was due to be paid through direct deposit the following week and they said nothing could be done and that it would work to lower the overdrawn balance. XXXX weeks later they finished their investigation and declined to credit me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. 
XXXX XXXX XXXX  The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County (CO)

Received a debt collection for a medical bill that was sent to XXXX XXXX. They then got a Law firm to sue us and a jugement was granted. With attorney fees and all it totalled {$6500.00}, they have garnished a pay and have taken over {$7200.00}, claiming its for more fees but will not give us a breakdown of these new fees and it is way beyond the judgement amount.
Consumer complaint received 2023-10-03
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO Bank, N.A. (AZ)

Sometime ago, I responded to advertisements for bank credit card. Subsequently, I found unauthorized purchases on the card for clothing and XXXX. I contacted the credit card toll free number and spoke to an agent regarding the unauthorized purchases. However, communication difficulties occurred because I had a XXXX and when XXXX I have difficulties in speaking and remembering some details. I also have XXXX issues. The credit card company required me to go to the branch with my identification. I went to the branch which was very helpful trying to resolve any issues that the credit card had. I left assuming that everything was done and resolved. Last week, I had the problem using the card for some purchases online, I called the credit card company and agent was rude and unprofessional and disconnected the call. Today, I went to the branch again to help resolve the issue with my credit card. The credit card company never stated that they required a verbal pass code on my account that was done and any blocks were apparently removed from the card. 
The credit card company never told me that they required a verbal pass code which would allow me to use my card. 
I am very disappointed and frustrated with the credit card issued by the bank they are unwilling to help customers with XXXX and have no knowledge of dealing with people with XXXX  needs. I had to go to the bank twice now to resolve issues with bank credit card. It's difficult for me to go back and forth just to prove who I am.