davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX days ago, I found XXXX  accounts for collection on my credit reports I have no knowledge about. 
I contacted the Company that listed these accounts on my credit reports, LVNV FUNDING LLC. 
XXXX claims that I opened an account with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX of XXXX and that I owe {$440.00} XXXX also claims that I opened an account with XXXX  XXXX XXXX  XXXX XXXX  on XX/XX/XXXX of XXXX and that I owe {$620.00}. 
This information is false. 
I opened an account with XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX which was closed on XX/XX/XXXX of XXXX with a XXXX balance, XXXX past due and a credit limit of {$300.00} Records also reflect this account was later purchased by another lender.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX Dear Capital One, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX XXXX XXXX XXXX XXXX XXXX  residents have also rights to Opt Out on all things including non affiliates mailing solicitations.

I should not receive any other piece of mail from any non affiliates or third parties.

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

XXXX SSN XXXX I want my MONEY! immigrant XXXX SSN XXXX I have ATTACHED all the info! Ok! I opened an account in XXXX CO XXXX. Deposited a check and cash. Total : {$4200.00}! I left and when I was on the XXXX bus to XXXX CA and opened my account using my XXXX  on the bus network the account balance was XXXX! My money was gone! I had an address in my online bank account at the time that READS XXXX XXXX and a name that had nothing to do with my account! 

For no more! 
XXXX Garnishments between XXXX and today 's date in XXXX counties, XXXX AZ, XXXX NM, XXXX NV and in XXXX! Close to {$18000.00} USD!
Consumer complaint received 2023-11-22
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: SYNCHRONY FINANCIAL (WA)

I was charged for a service I was suppose to get XX/XX/23 in XXXX of this month of {$520.00}. 
The vendor did not provide me service. As I had paid for her to come to me and do my hair and make up. She was not able to do this because her car broke down. I was alone with XXXX kids XXXX who has a XXXXXXXX XXXX I did not feel safe traveling to her home, she said she worked out of her home, not a business alone with kids and a child with a XXXX XXXX 
On the contract I paid {$150.00} extra for her to travel to me and she was not able to this due to her car issues. This was a breach of contract.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

I have been a victim of identity theft in XXXX. In XXXX I received a phone call stating that it was XXXX XXXX XXXX and they were trying to collect an outstanding debt of {$6200.00}. 

I hung up and called the XXXX XXXX XXXX help line and asked if this debt was real, they claimed they could not find a record of the debt. 

Today I have received a notice that this debt has gone to collections and Sunrise collection agency have put a notice on my credit report causing it to drop XXXX points. 

I never received any written communication from Sunrise or XXXX XXXX XXXX for this debt nor did I get a chance to request proof of the debt before it impacted my credit score. 

The police report number for my identity theft claim is XXXX.
Consumer complaint received 2024-01-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

Company is requesting debt form me from a charged off account. When I reached out to company case manager was rude and belligerent towards me. I asked him to provide me with contracts that state I owe his company a debt over six months ago wasn't provided.
Consumer complaint received 2024-02-05
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. (FL)

In the preceding two months, l 've made repeated requests to Equifax for an investigation into a particular account, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of meeting FDCPA requirements. Consequently, I am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel Equifax to meet its obligation by conducting a thorough examination of this matter. Supporting documentation is attached to this complaint to support my claim! I want to thank the CFPB for providing their services and holding Companies like Equifax accountable for their actions!
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NV)

I'm writing in regards to an account that was unfairly ( UAADP ) added to my consumer report. This account does not belong to me. I have never done business with this company. Yet my non-public personal information was used illegally by this company to damage my credit report and credit score. This is a violation and considered identity theft. In Title 15 U.S.C. Sub-section 1681 ( a ). My non-public personal information can not be disclosed without my prior authorization. This account is to be deleted immediately from my consumer report.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I'm writing in regards to an account that was unfairly UAADP added to my consumer report. This account does not belong to me. I have never done business with this company. Yet my non-public personal information was used to damage my credit report and credit score.This is a violation and considered identity theft. In Title 15 U.S.C. Sub-section @ 681 ( a ). My non-public personal information can not be disclosed without my prior authorization. This account is to be deleted immediately.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

This is XXXX XXXX and I went in to take out approximately {$500.00} to close my retirement account which was a rollover IRA and have it coded as a XXXX  as a premature distribution under the age of XXXX and a half. I mentioned to the gal several times this has to be a code XXXX  and then she came back and gave me the paperwork and it was coded as an XXXX. 

I've gone in their office several times and talk to a manager who got on the phone with the back office and they said they would take care of it and I recently received my 1099-r for the year XXXX  and it's still coated as a XXXX and it has to be coded as a XXXX.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX XXXX  XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. After multiple attempts to rectify the issue Experian continues to purposely stall. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter. Sincerely,
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (FL)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (ID)

I paid a projected escrow shortage to my mortgage company in XXXX of XXXX electronically. ( XXXX. ) When I received my XX/XX/XXXX statement it showed they had charged me an additional {$66.00} for the projected escrow shortage. 
I contacted their customer service both by e-mail and phone. 
I explained that the escrow payment had been made in XXXX so they shouldn't charge me monthly for a fee I've already paid. I also noted that I indicated that I paid an extra {$600.00} per month to be applied to the principle on every payment coupon for the past year or so. They ( M & T ) deducted the extra escrow payment that wasn't needed out of this {$600.00}. I explained to them that I didn't think they could or should arbitrarily move money from one payment type to another without my permission. This is what has me concerned. I was able to get the payment corrected but, I shouldn't have to double check what the Mortgage company does every month with my payments. I did ask for a copy of the XXXX payment coupon as it shows how I intended the money to be applied written on it. I received a copy of my check with the comments that I hadn't indicated on my check how to apply the funds. This makes me more concerned as every month a payment coupon is mailed to me to make such notations on. I have referred my concerns to the Idaho State Department of Finance. They sent it to New York and they have sent me to you folks.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (KY)

I received a letter from American Coradius International LLC stating they are collecting a debt from XXXX XXXX that I be owe {$3700.00} Reference numberXXXX Account # XXXX Supposed debt is from XX/XX/year>. 
The letter was generated on XX/XX/year> and they have failed to return any information, give me information & I am not giving my personal information to them as many have complained that they scam them via this XXXX debt they are trying to collect from them. I have contested the letter and refused ownership via writing, as well as calling XXXX myself and verified they have no accounts with my social or address currently or ever on file. So I have verified that I have no money owed to XXXX.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc. (MI)

I have been trying for two days to withdraw funds from my Blockchain.com account. There app indicates that ACH functionality isnt working and to try another way. The other way doesnt work either. After waiting on hold for a chat representative for nearly an hour, XXXX informed me of the known error and that theyre working to fix it but theres no eta and try back later. This is unacceptable. A financial institution should not be allowed to hold funds hostage.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (GA)

NAVIENT IS ILLEGALLY REPORTING THE SAME ACCOUNT 3 TIMES FOR DIFFERENT AMOUNTS. NAVIENT FAILS TO PRODUCE THAT THEIR REPORTING MECHANISMS ARE NOT DEFAULTED OR THERE IS NO DEFAULT IN THEIR REPORTING MECHANISMS. 
NAVIENT XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2024 ACCOUNT : XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
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 (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the handling of my credit card account. Despite my attempts to resolve the issues directly with the company, I have encountered persistent problems that have caused financial distress and frustration. 

Here are the details of my complaint : Chargeback : On XX/XX/24, I filed a dispute with Capital One for a charge in the amount of {$220.00} as the merchant sent me a different product than what i purchased. The Capital One representative who filed my dispute over the phone grossly misinformed me of their process causing me to miss the deadline to respond to the merchant 's rebuttal. Despite contacting Capital One immediately upon discovering the errenous informationi was provided by the representative, they have failed to provide satisfactory resolution or reinvestigation into the matter. 

Poor Customer Service : at the time of initiatiating the dispute, I was informed and assured by the Capital One representative that I would receive further correspondence via regular mail with a deadline to respond. Unbeknownst to me, the correspondence was uploaded to their portal without my knowledge, causing me to miss the deadline to respond to the merchant 's rebuttal. Consequently, Capital One ruled in the merchant 's favor for me failing to repond by the deadline. I have requested that Capital One reopen the case and thoroughly review my supporting documents as their representative misinformed me of their process. Their representative neglected to inform me to access their correspondence in their portal document center and instead advised me to expect it in the regular mail which is the reason why I was unable to respond to the merchant 's rebuttal on time Despite numerous attempts to address these issues with Capital One customer service and dispute representatives, I have been met with unhelpful responses, prolonged wait times, and inadequate assistance in resolving the issues with my account I have attached copies of relevant documents. 
I am seeking your assistance in resolving these issues and ensuring that Capital One takes appropriate action to rectify the problems with my account. I request a thorough investigation into my complaint and prompt resolution to alleviate the financial and emotional stress caused by Capital Ones 's negligence and misconduct. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/2023 I transferred my student loans from XXXX to XXXX for repayment. After my loans were transferred to XXXX, XXXX failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted XXXX three times by phone to have this complete and even filed a dispute with XXXX to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with XXXX as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that XXXX is failing to accomplish on my behalf. I filed a dispute on Experian for all my XXXX accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with XXXX were transferred.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: John C. Heath, Attorney at Law, PLLC (CA)

I noticed three inquiries on my XXXX credit report placed by XXXX XXXX on or about XX/XX/. Although these were soft inquiries, the simple fact is that I have never -- yes, never -- authorized Lexington Law access and have never even applied or inquired about any services Lexington Law offers. Lexington Law accessed my credit reports illegally with no permissible purpose at all. 

I contacted Lexington law for an explanation, and they referred me to XXXX. I spoke with a woman from XXXX multiple times, but she was incompetent and dishonest. She stated they would remove the inquiries, but they never did. She stated they would call me to discuss the issue, but they never did.