davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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: SANTANDER HOLDINGS USA, INC. (GA)

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC (IL)

I tried to cash my check and was told since you always complain we won't help you and we will etch on your check and do something to it if you come back. I came on a different shift and a XXXX girl was there by herself, she told me I just deleted your check out of every pls and bank and sent it to a fraud agency because we don't want you here. I tired to go to XXXX and they said that she had deleted my check it falsely accused me of fraud. I called the fraud hotline and they said that the original fraud reporting pls had to remove the fraud off of my check and give me my cash. I also called the manager and she said that I have to file a court case against the girl who illegally scammed my check and to my face she was 1 of 3 girls who told me not to come back and that the district manager told them not to deal with me because I tell on them and complain.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disagree with account listed below which is still showing and reporting inaccurate information on my credit report, even after your investigation. I would like this item to be re-investigated immediately. These inaccuracies are highly affecting my credit score 1. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 2. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00}. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to know the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation. Please see attach files
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (TX)

On the day of XX/XX/2023 my bank account was hacked and a total of {$1200.00} was taken from my checking account without my knowledge or authorization. According to the bank transaction record my money was taken from my account through several simultaneous atm withdrawals at an atm located in a XXXX store approximately XXXX miles from my physical location at the time. I have already contacted the bank that manages my account, but they are not at all willing to help me in any way or investigate the case properly. They also made the mistake of depositing my most recent paycheck into the very account that was compromised and now they are refusing to give me the money from my paycheck that was deposited into the hacked account. The current balance in the account is {$500.00} and they are refusing to give it back. This is the second incident where my account from this very same bank was hacked and my money taken. The name of the banking company is Wisely by ADP.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: 1803 Capital, LLC (GA)

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) TransUnion has erroneously reported a late payment on the XXXX XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) TransUnion incorrectly indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) TransUnion includes a late payment record for the XXXX XXXX account. It is essential to note that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX TransUnion has provided inaccurate information regarding the XXXX account. I kindly request the correction of this erroneous data on my credit report.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (GA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 below is the list I dispute to them a Charge off Collection or Derogatory account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also dispute to them those open accounts that has late payments Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

Below are the open account I disputed that has late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I received a response from Wells fargo which is unacceptable. I would like to see evidence from my court proceedings 1 ) that states Wells fargo is not liable for my attorney fees.

2 ) XXXX XXXX at Wells fargo found in his research that we'll fargo inadvertently applied my funds on an incorrect loan and never reversed them.

3 ) Wells fargo has not correctly responded to all of my questions.

4 ) Wells fargo has refused to work with me on all of these issues, and will admit no fault 5 ) Wells fargo has refused to report correctly to the CFSB and your organization does not do the appropriate follow up 6 ) I have a letter from Wells fargo which shows me having a XXXX  in escrow, they they're tell me.its something different 7 ) Wells paid my Tennant XXXX XXXX at XXXX XXXX XXXX XXXX XXXX minute XXXX  $ to move out. This was done in XXXX  or XX/XX/2012. This was done under their REO ( real estate owned ) unit. They refuse to admit this
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (OK)

I have had a consistent issue with credit reporting agencies. For one XXXX won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through XXXX XXXX XXXX and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to Equifax and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that XXXX will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXXXXXX XXXX
Consumer complaint received 2023-05-29
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: M&T BANK CORPORATION (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (IL)

Account # XXXX shows a past due amount of {$330.00} however, I have never had an account or relationship with this company that is being reported. I am unaware of this company and past due balance. And as a result I need for this account to be removed immediately or I plan to take further action.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Applied Data Finance, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2017-01-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Capstone Funding Group, Inc. (MD)

RE : case # XXXX They have not responded to CFPB as of XX/XX/2017 The last I spoke the XXXX XXXX, he told me he could not help me or look at a modification unless, I gave him 3rd party consent to speak with our first mortgage company, I asked him why and he did not give an answer. XXXX is with Capstone funding group trying to foreclose on the 2nd mortgage. There is no legal fact that he needs to have authorization to speak with my first mortgage which is not foreclosing and is not represented by them.
Consumer complaint received 2023-05-29
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: CCS Financial Services, Inc. (MI)

XXXX has sent me documents in the mail in previous months pertaining to a fraud auto policy allegedly in my name. I called the company several times and informed them that the account does not belong to me. I have never had any accounts/policies with XXXX. I demanded removal from their systems as I didn't have any idea how they gained access to my address and personal information. I was told that my information would be removed. However, it appears that XXXX sold a fake/fraudulent account to Credit Collection Services . This fraudulent collection recently appeared on my credit profiles for XXXX and XXXX. I would like it removed immediately as this is affecting my credit score, personal life. I would also like information on if I can legally sue XXXX and Credit Collection Services for committing this act of fraud. Thank you for your time and help. I look forward to hearing from you soon.
Consumer complaint received 2018-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

In XX/XX/XXXX I had several fraudulent transactions from coinbase taken from my checking account which coinbase blamed XXXX  and XXXX said it was coinbase. They were eventually reversed. OnXX/XX/XXXX I tried to buy bitcoin with my debit card and it kept saying charge denied so I left coinbase and went on XXXX  to purchase without problems. Never tried anymore that day to purchase on coinbase. On XX/XX/XXXXI had a {$200.00} charge again on my checking. I thought it was fraud because the transactions kept saying denied so I disputed as I could not get coinbase to answer the phone or my emails. On XX/XX/XXXX I logged into coinbase and it said my account can not buy or sell bitcoin. I emailed right away and was told they would have a resolution in 5 days. Never ever got a response after an additional 5 emails. So let me get this straight, coinbase does fraud on millions of accounts and then after I dispute an unknown charge and my account is closed?? I want my account fixed as I have not done anything wrong. I also XXXX  and hundreds of complaints on XXXX  concerning coinbase. They need to get there act together and stop treating their customers like trash.
Consumer complaint received 2023-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists
Consumer complaint received 2023-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the XXXX online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-29
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: TD BANK US HOLDING COMPANY (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX.