davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Demand for Removal of Alleged Debt from Consumer Report and Cease Communication Notice Dear Hunter Warfield, I am writing to address a serious issue concerning an entry made by Hunter Warfield on my consumer report for an alleged debt. My name is XXXX XXXX, and not only have I not been previously informed or validated about this debt, but I have also explicitly requested that your company cease all communications with me regarding this matter. 

Despite this clear request to cease communication, I find that my rights under the Fair Debt Collection Practices Act ( FDCPA ) continue to be disregarded by the continued presence of this entry on my consumer report. This action by Hunter Warfield is concerning, especially considering the legal obligations under 15 U.S. Code 6802, 15 USC 1681e, and particularly 15 U.S.C. 1681s-2 ( A ) ( 1 ), which clearly 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. '' I hereby reiterate my demand for the immediate removal of this entry from my consumer report and insist on a cessation of all communications from Hunter Warfield regarding this alleged debt. Failure to comply with these demands will leave me with no choice but to seek legal action for the violation of my rights under the aforementioned statutes and any applicable federal laws. This will include actions for aggravated identity theft and the resultant pain and suffering. 

This letter serves as formal notice of my intent and a reaffirmation of my request for your company to cease all communication with me regarding this matter. If Hunter Warfield fails to confirm the removal of this alleged debt from my consumer report, I will proceed with legal action to address these violations.

I expect your prompt and definitive action in resolving this matter in accordance with federal law and my rights as a consumer.

Thank you for your immediate attention to this critical issue. I await your timely and affirmative response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (PA)

The company is denying my claims and wants me to review years of statements dating as far back as iof XXXX to check for fraudulent activity. When I find activity they deny claims and now claiming they have no record of me being part of the breach when Wells Fargo themselves sent me {$60.00} which I deposited in their account they are doing all this to not pay me they dont even want to review my account
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (UT)

I got notification that my loan has been transferred from XXXX XXXX XXXX to New Rez LLC. Everything was fine until I went to pay my mortgage online one month and I saw that I had a {$100.00} fee on my account. I looked at the charge and it had no details as to what it was so I sent a message to New Rez through my online portal inquiring this and it took weeks to get a reply. They then sent me a response saying " Please be advised, there is a fee balance of {$100.00} was assessed by the prior servicer for Prior servicer Cost assessed on XXXXXX/XX/XXXX. Please refer to the Loan Transaction History ( enclosed ) showing when the late fee was assessed. Since the late fee balance was not paid, it transferred over to Newrez. Please note, Newrez strives to protect your personal information from unauthorized access and use. As such we use security measures to meet those goals. These measures include computer safeguards and secured files. To open the secured attachment, click view message in the blue shaded area, enter your email address, and then create a password to view the document. '' I then reviewed the account history that they sent me and no where did it say it was a late fee. I've never paid my mortgage late. Looking at the history, I noticed that there was a {$100.00} fee going all the way back to XXXX XXXX XXXX and there are credits and debits that essentially cancels out the charge, but it's still showing there on my portal. When I got to thinking about it closer, I had another complaint with XXXX XXXX XXXX about them not removing my PMI and they were to refund me {$100.00} for the appraisal fee they requested to have my PMI removed. My guess is that they made an error and added the charge back on or messed up their accounting since I do not owe them {$100.00} for a fee since I had already paid it. I called New Rez about this and they essentially said that it's weird and they don't know what it would be. after talking to a service rep who didn't know how to do her job, I got transferred to a XXXX who looked at the transaction history and agreed with me that it made no sense and she didn't know what it would be. This managers name is XXXX XXXX. She told me she would get back to me and never has. That call took place over XXXX weeks ago.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the XXXX 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 XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) 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 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 XXXX 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 XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-04-29
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: JPMORGAN CHASE & CO. (CO)

I requested a dispute on some transactions, but Chase never made an investigation. These are the charges, they still need to give me a credit for : XX/XX/2022 for {$59.00}, XX/XX/2022 for {$36.00}, XX/XX/2022 for {$110.00} and XX/XX/2022 for {$35.00}.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This refers to complaint # XXXX. I received an email from cfpb stating that I had closed not one, not two but three checking accounts with capone360. I do not remember having three checking accounts with capone360.. would appreciate an explanation of why this/these accounts were closed,, by whom and when.. I only had one checking account with capone360 I DID NOT intend to close this/these accounts until my issue with capone360 was resolved. I have no idea why these accounts are closed.. my complaint had to do with money missing from my checking and savings with capone360. please review my earlier complaint.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I want to file a complaint against Paypal. 

I have opened my account 6-7 years ago, because i feel it was safe to purchase items Mostly in XXXX webstore without disclosing my XXXX card information. 
As an occasionnal consummer, using paypal services worked well. 

In XX/XX/2023, my paypal account has been hacked. 
Someone got access to my account, opened a bussiness account, and several fraudulent transactions were made. Since then Paypal has locked my account in order to investigate and pay back the people that were scammed. 
My account is limited since then, and i was hoping everything will be back to normal. 

I have recently contacted Paypal resolution center, and have been informed that my paypal account is permanently limited. 
This in itself is not a beal deal. The big deal for me is being unable to delete my account which contains all my personnal information ( Name, address, phone number and XXXX  card information ).
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

am writing to follow up on my previous communication regarding discrepancies in my credit report. This is my second written request regarding the matter. 

Despite my previous inquiries, the unverified items on my credit report have not been rectified, which is in direct violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). As per the FCRA, you are obligated to possess a copy of the original creditor 's documentation to verify the accuracy of the information being reported. However, I have not received any documentation from you as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature. 

In response to my previous investigation request, you stated that the items in question were " verified '' to be reported correctly. I am now questioning the validity of this verification process. Who exactly verified these accounts? And based on what evidence? 

Under Section 611 ( 5 ) ( A ) of the FCRA, you are mandated to promptly delete any information that can not be verified. Since you have failed to provide me with the necessary documentation to verify these items, it is imperative that they are removed from my credit report immediately. 

I expect a prompt and thorough resolution to this matter. Failure to comply with the FCRA regulations will result in further action being taken.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (CA)

This company refuses to send me debt validation letter. They have straight up lied about mailing me the debt validation letter. I have asked them stop calling me and they have not. This company can not prove this debit belongs to me. They have blatantly broken the law.

From their response to CFPB ( XX/XX/ Mailed validation of this account to consumer with breakdown of charges and payments, electronically signed financial arrangement agreeing to collection fees, and a copy of the drivers license used at the time of service. Second CFPB complaint XXXX  )
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (GA)

I am XXXX XXXX XXXX. On XX/XX/XXXX received a letter dated XX/XX/XXXX from Mary Cobb Attorney at Law on behalf of XXXX for a {$490.00} debt that is incorrect. The amount owed should be XXXX. In fact, XXXX  owes me. I called this law firm on XX/XX/XXXX at XXXX and told them that this was a mistake and that I do not owe anything, and they blew me off and said that they are only a debt collector. On XX/XX/XXXX, the {$490.00} dollars was reported on my credit reports. Now, I can not get financing to fix my roof that was damaged in a XXXX that recently hit my town. On XX/XX/XXXX, I called the law firm again and told them that they sent wrong information to the credit bureau, and they told me to mail receipts to them and they will resolve. I mailed them the info by certified mail on XX/XX/XXXX. I called the Law firm on XX/XX/XXXX to confirm they received, and they said they received and sent to XXXX for validation, however, they never validated the information before my information was sent to the credit bureau XXXX The law firm said that it would take 30 days. I contacted the Law firm on XX/XX/XXXX to follow-up on status, and the person I spoke to is now say 60 to 90 days, and hung up in my face after I told her that I was going to report them and XXXX to the Consumer Financial Protection Bureau XXXX 

XXXX XXXX was fraudulently debiting money from my bank account for a device that I had cancelled, and I have proof that it was cancelled. Both the Law firm and XXXX are reporting wrong information on my credit report that is having a negative impact on me getting financing to fix my roof during a rainy season. I am a XXXX citizen, and I they think they can ignore me. 

I would like XXXX and Law Firm to remove the incorrect information from my credit report, and I would like XXXX to pay me back all of the money that they were debiting from my account ( {$560.00} ).
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

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. 
XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX : {$18000.00}, XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX : {$2500.00}, XXXX XXXXXXXX : # XXXX XXXX : {$200.00}, 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 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 2023-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (HI)

I wired money for a rental down payment but found out a few days later it was a scam. Attempt to do a XXXX recall was unsuccessful and now I am just out {$XXXX}.
Consumer complaint received 2023-01-20
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. (TX)

This is my 14th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}XXXX XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXXL XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-02-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. Experian has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my XXXX XXXX XXXX XXXX daughters. Being a XXXX XXXX victim fleeing my abuser at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which Experian explicitly lists as XXXX XXXX XXXX I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet Experian states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.