davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

I am writing to dispute the validity of an account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : Wells Fargo Card Service As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.

2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies.

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit as a XXXX  XXXXXXXX member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Military Star - XXXX XXXX : Military Star - XXXX XXXX : Military Star - XXXX
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (MS)

XXXX XXXX XXXX threw a {$1400.00} collection on my credit report sometime in the last XXXX hours. Ive not been contacted by mail or phone about anything to do with this debt. I dont have any information on it, and need it removed from my credit report immediately.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thomas George Associates, Ltd. (NC)

I was in an auto accident and not insured. The other party 's insurance attorney Thomas George Associates mailed me a collection letter for the cost they are holding me responsible for totaling XXXX. The company then reported a different amount owed to the XXXX XXXX XXXX totaling XXXX without ever sending me any explanation or proof of this balance. I emailed Thomas George Associates representative XXXX XXXX to send the proof of how the balance due jumped from XXXX to XXXX. His response was that it was for paying rental car expenses to the other party and that the balance was now actually at XXXX. Again, no proof or documentation was ever provided for the XXXX  charges that have again spiked without explanation. This repair was completed in less than XXXX  days.The math is not mathing. I have email correspondence of my request for proof and of XXXX acknowledging my request yet never following through with sending what I requested. 
XXXX XXXX claim # XXXX
Consumer complaint received 2023-11-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (GA)

I have my mortgage payments set on auto pay with my lender. BSI by weekly from there. The mortgage payments is put into a file type. That does not report the payments for some reason. I paid my mortgage XXXX the full payment and half of the XXXX payment BSI the lender reported my mortgage as not paid when in fact, my mortgage was paid for 2 months. And I have statements from my bank account where I paid the full XXXX dollar. I called BSI spoke with a lady by the name of XXXX. And she confirmed that they did have my payments on file for XXXX and half of XXXX. And the other half of XXXX will be taken out on XX/XX/XXXX. She didn't confirm that their system reports late payments if the payment is not paid. However, again they had my payments which was withdrawn from my XXXX XXXX account and XXXX confirmed it on XX/XX/2023 Then she stated she was going to call the billing department so that they can release my payments Again, I said that to say this BSI is withholding my payments and their consumer payments. Then reporting default and delinquent payments to credit bureau 's. Which is false information because indeed they have these payments. They're holding the payments so that they can XXXX their consumers. And I have documents.
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NY)

My Children place card, I open an account with from XXXXI have made purchases with this card from that time until XXXXNow all this time that I have all ways make my payments on or after, but I always make my payments on the account. My last purchase on the account was late XXXX or early XX/XX/XXXX for a boy Slippers for a vacation again I payed which would be the last time I used the card.Sometime in XX/XX/XXXX I started receiving payments statements from Children Place for purchases that was made on the card, I call customer service and let them know that I didn't make these purchases and close my account the card also which they assured me they did.After that I started getting calls about making payments, I kept getting purchases statements. I called and spoke to again someone different about what's going and they told me that are doing an investigation after they finish with it they will contact me. Someone contacted me some time in XXXX or XXXX I spoke to a lady, she was saying trying to figure out how I am going start making payments I told that I am not making no payments cause I did not make.going back and forth with she let me know that card was being used in a another state which I never been to. How I live in New York I have felt New York. Now am still getting still statements and they calling threatening from payments that I can't pay. I need help cause my information was stolen and used.and they won't calling me the XXXX XXXX was rude and that I need provided more proofs which I don't have all my proof is in my payments and how I purchases and used the card.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

XXXX & both Equifax has my wrong birth date. Equifax has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both equifax & XXXX on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. XXXX just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.
Consumer complaint received 2023-08-02
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. (PA)

On XX/XX/2023, XXXX XXXX XXXX ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN
Consumer complaint received 2023-11-19
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. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (FL)

XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named Hunter Warfield had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from XXXX, XXXX, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, Metro 2 compliance ( 17a )
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

For the past year, Wells Fargo has been Manipulating the order of my purchases for direct deposits so that they can get overdraft fees constantly. I brought it to their attention. I've contacted the XXXX XXXX XXXX They sent me a letter. Told me they were gon na get back to me. As soon as they could, but it was exceeding the 10 days. anyways. Thought I'd go to consumer finance. See if you guys could offer anything. As far as a resolution.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IN)

I just learned of your helpful government agency. Almost XXXX years ago I made a new purchase and opened up a new Best Buy Visa card. I was promised a {$100.00} promotional credit. After this credit never came I made many many calls and even visited the out-of-state Best Buy department store to try to fix the problem. Going back-and-forth the promotional credit was never given and has been denied. I have been taken!
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

XXXX gym in XXXX, Florida continued to charge my credit union account for XXXX months, after I had provided them with my XXXX XXXX XXXX membership number, which would pay for my membership. I had my credit union block the last XXXX months, as it was too late to block the previous XXXX months of charges. XXXX then had Aldous & Associates ( a debt collection agency ) send me notices that they would affect my credit rating ( XXXX ) if I did not pay {$100.00}. After several attempts on my own to resolve this matter with XXXX XXXX, I had XXXX  XXXX XXXX XXXX and from the XXXX XXXX XXXX contact XXXX twice, each. They informed me that the personnel at XXXX were very uncooperative and that they had " red-flagged '' XXXX gyms. Aldous & Associates then did affect my credit rating and I want that reversed and a refund from XXXX gyms for XXXX months membership!
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX says Capital One Auto Finance did an investigation on an car loan inquiry on my XXXX XXXX Credit Report.that resulted that there was fraud involved. I am being told by XXXX XXXX that I have the right to the investigation documents that show the details and names on the documents. I have attached letter form XXXX XXXX.
Consumer complaint received 2023-10-20
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. (IL)

I sent multiple letters this summer in XXXX and XXXX for XXXX disputed charges. The first occurred on XX/XX/2023 ; the merchant was named XXXX XXXX. the total was {$830.00}. The firm never provided the services agreed to in our contract, and I worked directly with them on a resolution, but no such solution was ever met, and when I sent in the dispute, nothing was resolved at all on Chase 's end. Chase took no action to help. Then it happened again with Rush PATIENT PAYMENT For {$2100.00} on XX/XX/2023. I had already made payments on my care credit card and should never have been charged. They charged me without my permission, as my credit took care of the bill, and Chase did nothing to rectify or adequately investigate the situation. 

Both times, I sent letters in the mail within 60 days but received no response until I called in and sent the letters again, this time with an electronic record via the mobile app/website. I believe their lack of action is due to the fact that I am a XXXX XXXX, and they see it as their right to deny proper service to XXXX XXXX. 

There is no doubt in my mind this type of inaction an anti-consumer behavior has occurred with thousands of other Chase clients if my experience with their customer support is representative of the firm.
Consumer complaint received 2023-11-19
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)

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SC)

I am writing to express my concern about the current policy of asking consumers to send sensitive personal information via traditional mail, such as driver 's licenses, social security numbers, addresses, and utility bills. While I understand the necessity of collecting this information for credit reporting purposes, the current method poses significant risks regarding potential loss, theft, or misplacement, which could further compromise individuals ' credit security. 

I've attached the recent response and all requested documents uploaded to this secure portal.
Consumer complaint received 2023-11-19
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: Shellpoint Partners, LLC (CA)

I've had my current mortgage since XXXX. It's been sold a few times. 
It was bough earlier this year by Newrez. I received a letter dated XX/XX/XXXX that they didn't have documentation that I had required XXXX hazard insurance and they would be buying an expensive version of this insurance " for me ''. I called XXXX XXXX who confirmed that I did have this insurance with them ( I've had it for many years ) and that they had already informed Newrez when they bought my mortgage. They already had the info on file that Newrez had bought my mortgage. They uploaded the info *again* to Newrez while I was on the phone with them ( on XX/XX/XXXX ) and said it should all be good. 

I called Newrez back on XX/XX/XXXX with this info and the details of my insurance. They claimed they did not have this info and I emailed them photos of my XXXX XXXX insurance *again myself*. The Newrez agent confirmed that she received these documents and uploaded them to my account and all should be good and that NewREz would cancel their plans to buy me expensive XXXX insurance and that I'd get a letter to that effect. 

Instead, on XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) that was a " Second and final notice '' that i didn't have this HOA insurance and they planned to buy it for me at the ridiculous cost of $ XXXX ( my current insurance with XXXX XXXX is under XXXX XXXX  ). 

I now need to call NewRez a second time ( their hold time is long of course ) to fix this. Can your group be of assistance to assure this is fixed? Can NewRez be fined if this is a common practice of theirs? It smells like a scam to me to sell overpriced insurance to low-information homeowners. Thank you.