davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (AL)

I am writing to request validation of a debt thats being attempted to be collected from me. I received a notice from this agency ( Professional Debt Mediation ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. Account number # XXXX in the amount of {$2400.00}. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I am requesting that this company provide me with the following information to validate this debt : 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired. 

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as required by law. 

Thank you XXXX XXXX.
Consumer complaint received 2024-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Ive noticed unverified and unauthorized hard inquiries to my credit report. Please remove the inquires. Theyre XXXX hard inquiries which include Capitol One via dealer, XXXX XXXX XXXX, XXXX XXXX XXXX which were all authorized on XX/XX/XXXX - 2024.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (FL)

I was ruined by Covid-19, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

For over a month, Chime has sent me marketing emails about a bank account I opened with them. They even sent me a debit card for the account. Whenever I call them, they ask for my personal information so they can look up my account. Because I did not open the account, I do not feel comfortable giving them my personal information. They refuse to close the account. They did change my email address associated with the fraudulent account, but I fear that the fraudulent account is still open.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

I filed a dispute about unauthorized transactions. There was a bunch of them. I used my card on XX/XX/2024 at a place by my house called XXXX  XXXX. I took in a little wallet thing I had with my card ID and my pin. I thought my card was in my purse that I left in my sisters car until I got a text message alert XX/XX/2024 asking me about fraudulent charges. So I canceled my card. Wells Fargo said no error occurred and they wouldnt reopen my case. They sent me the information they used in the investigation and none of it states that it was me or someone I know that made the transactions. After I made a complaint against them they closed my account. They didnt handle my first CFPB complaint professionally at all. Talked to them once and they next day they said your case is closed we are doing nothing.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 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
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Millennium Credit Consultants Inc. (MN)

Millennium Credit Consultants is the debt collection agency for XXXX. I am a victim of identity theft and someone stole my personal information and identity to open up a XXXX checking account. The XXXX checking account is unauthorized, fraudulent and do not belong to me. Millennium Credit Consultants debt collectors has called me repeatedly requesting payment for a debt owed for {$1600.00}. I do not owe the debt to Millennium Credit Consultants. Debt collectors from Millennium Credit Consultants has called me repeatedly and harrassed, verbally abused, sweared at and threaten me with arrest, harm, death and wage garnishment. Millennium Credit Consultants is in violation of Minnesota Debt Collectors State Laws and The Fair Credit Reporting Act.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NY)

Chase does not want to take responsibility for fraud on my account after i placed a fraud alert for money hacked and stolen and they did not do anything about it. Chase even sent me a letter stating if my account was ever compromised they would tranfer my funds to another account suspiciously months prior to the theft as if they already knew it would happen and still never did anything at all and left my account like that. I did not recieve anything in the mail from them. They are liars and owe me money. Their employees are theives.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

XXXX XXXX was reported onto my credit report in XX/XX/XXXX with an incorrect date of first delinquency and expired statue limitations. It was removed in XXXX due to reporting an re-aged account. Unfortunately, once again, XXXX was added back as of XX/XX/XXXX and has dunked my credit score all over again. XXXX and Equifax has violated my rights once again under FCRA XXXX XXXX ( XXXX ) ( A ) and re-aged my debt/ reported it and needs to be erased immediately from my Equifax credit report. I've disputed the XXXX funding account on all three bureaus. Unfortunately, Equifax is the only bureau who re added this re-aged illegal account. I request that equifax removes this reaged illegal account immediately from my equifax credit report. It is illegal to report re-aging debt.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to you as a loyal client of CapitalOne Bank since XX/XX/year>. Over the years, I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the CapitalOne family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my mortgage payment for the month of XX/XX/year>. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my credit score, and I am genuinely concerned about its implications for my financial well-being. Given my current history of prompt payments and my commitment to rectifying this situation, I kindly request that CapitalOne consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that CapitalOne Bank has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past and current record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I went to the Wells Fargo ATM # XXXX outside located at XXXX XXXX XXXX, XXXX, TX on XX/XX/year> at XXXX and tried to withdraw {$1000.00}. I put my XXXX debit card in and entered my PIN and selected {$1000.00} cash. It went through all of the motions and acted like it was dispensing the cash ( it even made the 'counting or dispensing ' sound ). when the door opened, there was no cash and there was a notification on the screen that said this transaction can not be completed at this time. I received my receipt and it showed that it had taken the {$1000.00} plus a {$3.00} service fee out of my XXXX Checking account. I immediately looked at my bank account and the money was removed from my account. the Transaction # is XXXX. I went into the bank and told the teller what happened. He said to his manager 'do I just give her her money back? ' and she looked asked me if i had an account with Wells Fargo. I said 'no, but my husband does " to which she replied that I was not on his account so I would have to go through XXXX to dispute the charge. She then told the teller 'this is the same thing that just happened to the man in front of her, but he has an account here so we were able to refund his money '. I asked why they couldn't refund my money if they knew this was happening and she said 'the machine has been running out of money alot and there is nothing I can do '. I left the bank and went home and called XXXX XXXX XXXX  and filed a complaint. They issued a temporary credit while there is an investigation and said that Wells Fargo has 45 days to dispute my claim. Wells Fargo should be refunding my money instantly and not make me wait 45 days! This is not a small amount to me. Their ATM malfunctioned and yet I have to pay the penalty? I will never use their ATM again.
Consumer complaint received 2024-05-20
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Amsher Collection Services, Inc. (TX)

A collections charge popped up on my credit report. 
It is completely fraud from a third-party collections service [ AMSHER COLLECTION SERVICES ]. I have no knowledge of this unrecognizable charge and I am requesting it to be removed from my credit report
Consumer complaint received 2024-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I was traveling over seas and came back to the United States and tried to withdraw money from my Citibank Savings Account. I was told that my account had been deactivated and that I needed to send a notarized letter with my details via certified mail. The bank received my letter on XX/XX/XXXX. I was told it would take XXXX hours to reactivate my account. I started calling the bank on XXXX, and XX/XX/XXXX. Each time I called I was told that an email was sent to the back office and they would expedite my request. On XXXX I was told I did not have the correct account number. ( It took XXXX weeks to tell me this information! ). ON XX/XX/XXXX I faxed and sent a new letter with the correct information and the bank received the letter on Thursday, XX/XX/XXXX. I called on XX/XX/XXXX and was told that they had received the letter and my account would be activated by the end of the business day. I called on Friday, XX/XX/XXXX and was told it would be activated by the end of the business day. I called on XX/XX/XXXX and was told it is the weekend and it would be activated on Monday. I called Monday XX/XX/XXXX and was told it would take XXXX hours.
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (PA)

I had a 4 year lease for a XXXX XXXX XXXX with GM Financial on XX/XX/XXXX and COMPLETED the lease term, payments and returned it on time in XXXX. GM Financial has reported inaccurate info on my credit report agencies XXXX, XXXX, and XXXX. GM Financial is reporting delinquent payment history that I have missed payments with a balance of XXXX which is inaccurate.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sarma (AP)

Pursuant to 15 USC 1692c section a of the Federal Trade Commission library, Without prior consent, SARMA Collections inc, a debt collector, has contacted me in response to the collection of an alleged debt. Due to medical issues, I received this notice on XXXX XX/XX/year>. I have not had the proper time to respond. SARMA has indicated that if there is no response since the date of XXXX XX/XX/year>, then they see the alleged debt as valid. According to 15 USC 1692a, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction. I the consumer, consider this an alleged obligation. According to 15 USC 1692c, I wish to cease further communication with XXXX. The amount of the alleged debt owed is {$2100.00}. This is an inaccuracy and violation of 15 USC 1692 ( e ) section ( 10 ), it is the false representation to collect an amount that I the consumer do not owe.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report shows a deduction in my credit score by XXXX, I did it pay off off early to reduce the impact and I had some refunds also pending.
Consumer complaint received 2024-02-20
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (IL)

In XX/XX/2022, I enlisted the services of XXXX XXXX XXXX XXXX, on the recommendation of XXXX, to help manage my significant medical debt. XXXX XXXX XXXX XXXX advised me to stop all payments to creditors as part of a debt settlement strategy. Despite this, I received no communications from Discover Bank, no collection notices, nor any form of outreach regarding the impending delinquency or potential resolution options for my account. This lack of communication led to a complete surprise when I was suddenly served with a lawsuit for the outstanding debt, without any prior notice or attempt to settle the matter out of court. 

Post-lawsuit, I have made multiple attempts to negotiate with Discover Bank through their attorney, aiming to settle the debt either through a manageable payment plan or a lump sum settlement that I could feasibly handle. Unfortunately, all my proposals have been outright refused by Discover Banks attorney, who insists on pursuing full payment through court proceedings. This inflexible stance disregards my current financial situation and the economic challenges many are facing, exacerbating my financial and XXXX XXXX 

This experience, I believe, highlights potentially unfair and non-cooperative debt collection practices by Discover Bank and their legal representatives. It raises concerns about the bank 's commitment to working with consumers to find fair resolutions in times of financial hardship, which is crucial in fostering trust and fairness in financial services.
Consumer complaint received 2024-05-14
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SUNRISE CREDIT SERVICES, INC (TX)

I was contacted by Sunrise Credit Services Inc. regarding a debt I owe to XXXX XXXX Services. This debt went into collection due to the pandemic. I defaulted and my personal loan was sent to collection. 

On XX/XX/2024, on agreement with both XXXX and Sunrise Credit Services Inc, I paid {$3600.00} as a full settlement on the account. Sunrise had indicated to me that by paying this amount, the account would be settled as agreed. They would send a letter stating the same with XXXX letter head and report to all the THREE credit buraus that the account is settled as agreed and the balance is {$0.00}. They have failed to do any of these to date. 

Three months later, Sunrise has not reported to XXXX that they collected money from me and XXXX accounts still show that I owe money. I called XXXX on XX/XX/2024 and they confirmed to me that this is true, I still owe them money and that Sunrise Credit Services Inc has not reported any payments to them.
Consumer complaint received 2024-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld Systems Inc ( TSI ) never contacted me about this debt but made multiple attempts to contact my son regarding a supposed medical debit incurred by him as a XXXX On XX/XX/XXXX - after multiple phone calls my son, XXXX XXXX, took a call from TSI. They stated on the phone call it was an attempt to collect on a medical Debt for for XXXX XXXX. XXXX XXXX stated he was not XXXX XXXX but they told me they could contact him since he was now an XXXX over XXXX XXXX XXXX. TSI stated this was a debt collector on a recorded line. Our son was concerned that this debt would be reported on his or my credit, so he agreed to pay for the debt. On XX/XX/XXXX my wife, XXXX XXXX, contacted TSI and was told by a representative they should not have contacted on son since the debt occurred XX/XX/XXXX when he was a minor. XXXX XXXX attempted to validate the debt with TSI but they could only provide a date of service and was not able to provide any additional information ( such as the name of provider or a list of services ). On XX/XX/XXXX, a claim was filed with XXXX XXXX XXXX for the fraudulent charge. On XX/XX/XXXX, XXXX XXXX closed the claim stating XXXX XXXX authorized the charge. Our son was not made aware by the debt collector that he was not responsible for this debt. In addition, no attempts were made to contact me to resolve the debt which was in my name. 

On XX/XX/XXXX, XXXX XXXX contacted TSI again in attempt to reverse the charges. When asked why our son was contacted she was now told by TSI that they were authorized to contact our son and speak to him about the Debt since he was XXXX XXXX XXXX now despite the debt being obtained XX/XX/XXXX when he was only XXXX XXXX XXXX. When XXXX XXXX asked again for them to validate the debt, she was told they were not required to validate the debt since our son had already paid the Debt. This Debt Collector violated the Fair Credit Reporting Act ( FCRA ) by contacting our now adult son to attempt to collect on a debt that occurred when he was a minor. In addition, TSI violated FCRA by failing to validate by failing to provide enough information for us to be able to validate the debt and proof we were responsible for this debt ( failing to provide the name of the provider and a list of services provided ) to neither XXXX XXXX or XXXX XXXX. Both XXXX XXXX and myself have attempted to contact TSI to resolve this matter but their response has held firm that they were legally authorized to collect this debt from our son and that they are not required to validate the date for us.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an inquiry in my credit card that new accounts were opened in my name from capital one and syncb/amazon card XXXX I contacted all the credit unions to dispute them. I with an experience fraud dept agent were on conference calls where they said that they have marked the accounts as fradulent and they will send me a resolution letter when their investigation is done. I did not receive anything yet. The hard pulls resulted in a XXXX point drop. XXXX asked me to file and get a letter using reportfraud.ftc.gov and that website led me here.