davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Despite PORTFOLIO RECOVERY ASSOCIATES , LLC ' {$24.00} XXXX dollar lawsuit, pertaining to their repeated illegal debt collection practices and consumer reporting violations, they continue to violate consumer rights. 

On XX/XX/XXXX, they contacted XXXX XXXX XXXX pertaining to an unvalidated alleged debt. 

It is now demanded that they provide a response to questions 1-7 in the debt validation letter attached to this complaint. Bank statements will not suffice. 

If they can not provide adequate response, to what is requested in the debt validation letter, this debt will be deemed inadmissible.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-16
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. (NC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PRESTIGE FINANCIAL SERVICES INC (MO)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This is a notice to the consumer reporting agencies that they are improperly using my credit report. I noticed that there are several charged off/ cancelled debt on my consumer report that can not legally be there and the accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. However when this is mentioned. you just say that the accounts are " accurate ''. I am NOT asking for verification of the accounts, I know the accounts are mine but this is a way for you to stall and deflect. So now, I am requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2023-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

This complaint is about the lack of customer service at WELLS FARGO BANK. 
Wells Fargo Has liars working to serve the customers but they do not have customer service to provide resolution for the customers issues. 
I DO NOT WANT THOSE LIARS and IGNORANT XXXX  TO ANSWER MY COMPLAINT, I WANT A REAL WELLS FARGO MANAGER All I get from those XXXX  are lies. The lies are the only resolution can be provided by the XXXX. 
XXXX XXXX IS THE LAST EMPLOYEE WHO IS WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION AND NOT UNDER ANY MANAGEMENT AND LABELED XXXX  RESPONDED TO MY COMPLAINT BY THIS STATEMENT ( .We have determined we previously addressed your concerns ) they never address my case properly and never provided a solution AND THIS XXXX XXXX NEVER EVEN READ MY COMPLAINT, THEIR ANSWER WAS A COPY AND PASTE STANDARD ANSWER. WAS THE RESPONSE OF XXXX XXXX, A SOLUTION FOR MY ISSUE?. 
I REQUESTED A REAL WELLS FARGO MANAGER TO DEAL WITH MY ISSUE BUT THIS XXXX XXXX STATED IN THE RESPONSE : ( We respectfully decline your request to email you to set up an appointment to talk to you by phone. We do not arrange appointments by email. ) FROM XXXX XXXX STATEMENT I UNDERSTAND THAS WELLS FARGO MANAGERS DO NOT USE EMAILS.WELLS FARGO IS THE ONLY BANK THAT DO NOT USE ELECTRONIC COMMUNICATIONS AND EMAILS. 
XXXX XXXX stated that the XXXX  mailed the letter to my mailing address on file. That was a lie because the letter was mailed to my residence and the attached address on the attached letter proved the lies of the XXXX. 
LIES DO NOT SOLVE THE PROBLEMS. TELL ME HOW YOUR LIES ARE GOING TO SOLVE MY ISSUE YOU CLOSED THE CASES AS SOVED WHEN ALL YOU PROVIDE ARE COPY AND PASTE AND LIES AND THE ISSUE IS NOT SOLVED. I WANT THIS COMPLAINT TO BE FORWARDED TO A REAL WELLS FARGO MANAGER AND NOT TO THE CLOWNS LABELED XXXX. 
When I filed XXXX complaint about the same issue and none of the XXXX  provided a solution they provide lues after lies only, The executive complaint management should be called executive lies management. 
The people who answer the complaints for Wells Fargo are labeled XXXX, Those are inexperienced people who are NOT WELLS FARGO EMPLOYEES, they are working for the contractor XXXX  from the comfort of their homes without any supervision not under Wells Fargo 's Management. I tried to speak to a manager or supervisor, but I was told that Wells Fargo employees who answer the complaint are working from their homes and there have no way to connect me to a manager or supervisor because they are independent contractors, they do not work under the supervision of Wells Fargo bank they are working for the contractor XXXX. 
XXXX XXXX stated on XX/XX/2023 We respectfully decline your request to email ME to set appointment to speak to a manager because they do noty want anything in writing because it will be easy to prove the lies they provide to the customers.
Consumer complaint received 2017-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (NH)

We would like to submit a reoccurring complaint for close complaint #  XXXX . Although we appreciate the office from MyLoanSite.com there are still  XXXX  facts that are n't addressed in their resolution offer : # 1 - Dakota Lending ( dba MyLoanSite.com ) is not a licensed financial institution in the state of NH and therefore can not legally loan money to residents of the State of NH.      # 2 -  The highest legal loan percentage that a registered financial institution can charge in the state of NH is 36 %.     Lastly, in full disclosure, I have also contacted the New Hampshire Banking Department and New Hampshire State Attorney Generals office and have filed complaints with these agencies as well. I am more than happy to remove these complaints should we move towards an acceptable closure.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid 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: Atlanticus Services Corporation (GA)

The Company Fortiva Retail Credit is currently charging me amount that is not owed to them. I had a purchase with a company by the name of XXXX XXXX XXXX in XXXX. Ga. The purchase and financed. amount was {$2400.00}. I have paid this Company over {$2800.00} as of today and they still asking for another {$1000.00} more. I have disputed this balance with an attorney. This company refuse to provide the law firm copies of statements from XXXX of XXXX XXXX XXXX that are missing on their web site. The only way we can get the copies I have to pay for them, and I refuse to pay for something they required by law to provide. They also refuse to provide documents I signed that I will be financing a purchase of {$3500.00}. 

This company has also removed majority of my payment information as and can't review
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I have trouble requesting a replacement card. 

On XX/XX/2023, I made a purchase using XXXX card issued by IncommXXXX failed at XXXX store XXXX After I called XXXX, I got case number XXXX. 

I have submitted all required information, including cpoies of front and back of gift card, XXXX store receipt and my driver 's license. 

On XX/XX/2023, After calling customer service, I was told my address has been validated and a replacement card request was submitted. I should wait 30 days to receive my card. 

On XX/XX/2023, I called customer service again and was told I should receive my card by XXXX. 

On XX/XX/2023, Called customer service again, I was told if I haven't received my card yet, she could make another replacement card request and I need to wait another 30 days.

I feel this company ( Incomm Financial Services ) is running me around without addressing my issue. Agent could not tell me when the replacement card was sent.
Consumer complaint received 2023-11-16
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. (TX)

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 : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or 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 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (FL)

I am the a XXXX for a nonprofit Florida XXXX  named XXXX XXXX XXXX XXXX XXXX XXXX whose EIN is XXXX. This corporation had a checking account with TD Bank, of which I am a XXXX, that had a balance of {$570.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since XX/XX/XXXX. The account has had no activity since XX/XX/XXXX. I visited a branch of TD Bank in XXXX, Florida Wednesday, XX/XX/XXXXXXXX  to close the account out and donate the balance of the account to another non-profit organization. The tellar pretened to have trouble finding the account because the account, she said had been inactive for so long. She asked me for my social security number and I told her that this is a non-profit organization and I am only a XXXX  on the account, and that my social security number would not be associated with the account. She continued to predend that she could not locate the account in her system even though I gave a her a blank business check with the account number on it. I unwittingly relented and finally gave her my social security number to try to help her find the account. After I gave her my social security number she informed me that the account was in closed and had been turned over to TD Banks collection department and that the organization owed {$69.00} ( XXXX XXXX XXXX XXXX XXXX  ). The tellar falsely represented her purpose for collecting my social security number with the intent of surrepticiously using it to collect on a debt. Apparently TD Bank had been charging a periodic fee on this account which exhausted the existing balance and overdrafted the acount. TD Bank had a policy of no fees on this account as long as it had a running balance of at least {$500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). I never received bank statements in the mail nor did I recieve a notice about the overdraft due to fees on the account.
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

Good evening, My name is XXXX XXXX. 
This year I was a victim of Identity Theft. 
It has put a huge strain on my life and has even led me to being evicted. 
I am trying desperately to remove all the fraudulent activities on my credit report. 
There is an account in my credit report from your company. 
I did not open this account and I have not used any goods connected to this account. 
This account is a direct result of IDENTITY THEFT. 
I ask you to please remove this account from my credit report and do a thorough investigation. 
I have been dealing with this for months and I just want this to be over. 
I have attached a PDF with all documents proving my identity. 
Please help. 
Thank you!
Consumer complaint received 2023-11-16
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. (TX)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
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 (PA)

On XX/XX/2023 I paid XXXX XXXX {$3400.00} for a kitchen renovation. I decided not to use them canceled the work asking Capital One for a refund in the form of a check. They mailed me {$3200.00} a check short {$190.00}. Later XXXX XXXX returned all but {$100.00} to Capital One XXXX XXXX XXXX claiming that they were deducting {$100.00} because a man came to my house even though he did nothing. The very next day, Capital One deducted another {$100.00} from my account. I am claiming that Capital One owes me {$190.00} plus the {$100.00} that I was charged for twice totaling {$290.00}. I have written and called without any help.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I would like to have Experian fined for knowingly and willfully placing back fraudulent information that was deleted. They are violating the Fair Credit Reporting Act and my  Consumer Rights.      Also I read, if an account is going to be re inserted on to a consumer 's credit report. The credit reporting agency is supposed write the consumer and give a 5 day notice. I did n't receive any of this. These were fraudulent accounts removed in  XXXX   XXXX , but Experian put them back on my credit report  XXXX   XXXX ,  XXXX .     Account  XXXX   XXXX   XXXX  Account  Number   XXXX . This fraudulent account was removed  XXXX   XXXX , by  XXXX   XXXX . They contacted all  XXXX  bureaus to remove this account. But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Account  XXXX   XXXX   XXXX  Account  XXXX   XXXX  .... This fraudulent account was removed  XXXX   XXXX ,  XXXX . But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Experian seems to have a personal vendetta against me. I want these accounts deleted again from my credit report, as they should not be listed. Experian needs to be fined for their blatant disregard for the Fair Credit Reporting Act and my  Consumer Rights.      Also please view the proof in the attachments
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (FL)

My husband and I rented an apartment in  XXXX , Louisiana at  XXXX   XXXX  Apartments. Due to some critical health issues we had to move and relocate. We had a bill of {$490.00} which were n't able to pay right away. Upon checking our credit reports we notice they were reporting the {$490.00} and another unknown charge of {$750.00} to our credit reports. I contacted   XXXX   and their management company  XXXX  and spoke with their offices who confirmed they received the money I even received an email through  XXXX  from  XXXX  of the former  manager  admitting she received the  pai  balance, and I was told to contact the collection agency. I contacted the collections agency PRO COLLECT and told them I did pay the balance to  XXXX  and had the proof, the  manager  and representatives I have spoken to their have been rude and disrespectful. I explained to them I am currently ill and awaiting a  XXXX   XXXX  and I wanted to resolve the situation, I asked if there was a certain kind of documentation they needed and they responded with screaming pay the money. I have provided letters from the bank copies of check, money order slip and a printed receipt with their header confirming the apartment complex received the money. I EVEN HAVE A LETTER FROM THEIR BANK!!!!! And they still refuse to delete this negative account from my credit report. Please help me, the stress is too much.
Consumer complaint received 2017-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated (CA)

To Whom It  May  Concern :  XXXX / XXXX / XXXX   XXXX   XXXX  Consumer Financial Protection Bureau  Case #   XXXX  It is obvious from the  Unifund  response that this is a standardized template letter.     I have never been served in person, by mail or in any other format ever.     Unifund is required by law to provide proof of such event which is the original complaint that was filed by me stating that I was NEVER served, notified or any documentation or  US  mail ever delivered to any address that I receive correspondence at.     Additionally, NONE of the credit reporting firms including all the majors,   XXXX   XXXX   and   XXXX   show ever an official claim filed against me.     I am attaching a copy of   XXXX   which is a law firm and credit repair firm in the state of California that shows my full credit history for the last 5 years on all major credit reporting firms and as you can clearly see ; there is no filing in the last 5 years.     The statute of limitations for consumer debt for the state of California is 4 years. And, as admitted in their own documentation, this pertains to a debt from  XXXX , well over 11 years ago.     My complaint has been fully validated :   1. Unifund  has never provided documentation of how, when, where or by whom I was personally supposed to have been served as required by law.
2. Nor has Unifund   provided any mail documentation in the form of certified mail letters or mechanism or report of who this was given or sent to.    3.  I am requesting to be clear that this debt be eliminated based on 3 principles : A. I was never served B. The debt is beyond the statute of limitations for the state of California as it over  10 years old which is more than twice the legal limit C. No evidence has ever been shown to me or any US  credit reporting firm of the existence of this claim.