davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I received a collection notice for {$590.00} from I.C. System for services rendered from XXXX XXXX XXXX XXXX XXXX to an address in the state of California. I have never lived in the state of California. Nor do I know anyone in the state of California. I have never given anyone permission to use my information to open an account. For some reason this collection account keeps getting passed along to a new company at least once a year. I have spoken with I.C. System directly and informed them that this is not my bill. I have also filed an Identity Theft Affidavit with XXXX various times in the past to no avail. It appears to get cleared up with the present collection agency, then resurfaces with another collection agency. Im not sure why XXXX XXXX XXXX XXXX XXXX would keep passing this information on to other collection agencies when I have conveyed to them that this is not my bill and I have never lived in the state of California. I just want this to get cleared up.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TN)

Upon reviewing our bank accounts with Wells Fargo, we realized that there was a debit to our joint account for {$7400.00}. Upon further investigation, we saw a fraudulent check written to a fake name and cashed at a check-cashing shop on XX/XX/XXXX. 

This account, in particular, has never had checks assigned to it, and this was the first check drafted from the account over the entire XXXX history. 

We immediately called the customer support number upon discovery ( XX/XX/XXXX ) and were reassured that the funds would be replaced within ten days ( this was stated on a recorded line ) and proceeded through the process of changing bank account numbers and new debit cards. 

We did everything the Wells Fargo website said to do when a fraudulent item was discovered. Imagine our surprise a month later to find out that not only had the money not been reimbursed, but because more than 30 days had lapsed from the closing bank statement, they were not obliged to return any of it. 

We have always believed in the banking system and have never had any issues with fraud in over 50 combined years with Wells Fargo. I am opening this claim in the hopes that the CFPB can assist us in getting our stolen funds returned to our account. The fact that any bank can get away with this has shaken both of our beliefs in the entire banking system. 

Wells Fargo 's 24/7 Security Protection that they flaunt on their website did not notify me of a suspicious transaction, nor did it protect me when they allowed somebody to access funds from our account without our permission. 

Credit cards have no statute of limitations regarding fraud ; why are banks held to much lower standards? Fraud is fraud. I never gave anybody access to my account. I never fell prey to a phishing scam. I went to work like most of us, thinking my funds were being protected, only to discover that the reality is that our funds are not protected from one of the oldest and easiest forms of banking fraud : fake checks. 

For the past 10 months, every employee we have spoken to has agreed that we should be reimbursed ( These calls were recorded ). From branch managers who helped us submit our initial dispute claims to the XXXX dispute department reps, yet despite police reports and everything else that was requested, Wells Fargo spent less than a day to reply with the same answer " More than 30 days have passed from the statement so there is nothing we can do at this time. '' I am hoping that my attached documents find themselves in the hands of somebody who can step up and help make this right. We have exhausted all means of recourse with Wells Fargo and hope that the CFPB can ensure that we are treated fair and just. 

Thank you for your time, XXXX
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

To whom this may concern, My name is XXXX XXXX and I am about to close on a house. The day I was suppose to transfer the remaining amount to close the house ( XXXX ) I was getting email intrusions on how and where to wire the amount to. The emails that were instructing me looked exactly the same as all the agents that were involved in the transactions and had the same email signature. I went to Wells Fargo and did the wire transfer which went through yesterday ( XX/XX/XXXX ) and found out about the fraud today ( XX/XX/XXXX ). Please someone help me this is all the money I have saved and worked hard for over the years. I have an XXXX XXXX XXXX boy and XXXX XXXX XXXX daughter. We are currently XX/XX/XXXXand have sold our condo which was the money that we wired. I have attached the fraud account that was sent to me. XXXX XXXX is the bank that received me money which was not the right bank.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc. (FL)

On XX/XX/2023 i contacted google store support due to the store not giving me the option to pay with my google store card ending XXXX. Support rep was useless. Quoted a previous unrelated order. Then said its a XXXX XXXX problem. Upon calling XXXX, they indicated they have no control over the sites store.google.com or pay.google.com. Google has failed to provide any reasonable support, representatives that understand english, and reps that understand their own websites. Google has failed on many levels and its preventing the use of a Reg Z item.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Two weeks ago, we applied a checking account on Capital One 's website. However, Capital One rejected our application even though our credit score are excellent. The representative find out the note stating " we don't do business with you '' as the reason. 

This revelation left us feeling deeply discriminated against and concerned about potential bias. 

We strongly believe in the principles of fair treatment and respect for all customers, regardless of their background or circumstances. 

The representative recommended that we write to Capital One 's CEO to address this issue further. We kindly request your intervention to investigate this matter thoroughly.
Consumer complaint received 2015-05-08
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Highland Capital (TX)

North Wind Associates keeps calling my cell, my work etc with threats to come to my work or home and arrest me or serve me with legal papers if I do not pay, I am on probation and can not go to jail! These people have mislead me into making a payment with these kinds of threats because I do not want them to come to my work, they have even said they would follow me. XXXX thing is to take me to court to get payments etc thats fine, but threats to arrest me or take property away from me is illegal. Can someone please help me with them? Greatly appreciate it.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I vrecently checked my credit report and discovered that there was an address ( XXXX XXXX XXXX, XXXX, Michigan XXXX ) and, theres several cellphones in my name associated with that address. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( no ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt nor any such debt in fact therefore exists.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

it all started with the day before XX/XX/year> Trying to get a free credit report from Equifax, Even though I have already been disputing inaccuracies on my report. Called today on XX/XX/year> 4 separate times, to continue to get a run around about seeing my credit report and score. They are refusing my rights to and denying me access to my personal credit report and score because I choose to call them and ask for a copy. Now I do not have any access to my credit report on any platform since XX/XX/year>. 

Nobody from when I called at XXXX XXXX XXXX  talked to XXXX got transferred to Supervisor XXXX XXXX called dropped. Had to verify my information, each time I called by showing the front and back of my ID and taking a picture of myself each time, I talk to someone at Equifax. Then I talked to someone at XXXX XXXX XXXX  named XXXX XXXX said that he was unable to transfer my call but still did it and I talked to a supervisor named XXXX. Called back at XXXX XXXX Not able to still log in to my account, Talked to XXXX then I was transferred to a supervisor XXXX and I had to verify all my information again. 

Still no resolution, but they can tell me what's on my credit report. I just can not see it since XX/XX/year>. All the other times I was able to see it. Then I called back at XXXX XXXX XXXX. talked to XXXX customer service rep. I Tried to dispute my address and I was denied. I asked how so. Not knowing what's on my credit and not able to dispute these inaccuracies can cause me to be denial in credit, Have a high interests rate on a loan and even a denial of job if I apply to another one, or even getting an apartment. 

This should not be happening, they are just doing illegal practices. I even told them that the other credit bureaus are showing accurate information, but not this company ( Equifax ) something needs to be done. They are refusing to cooperate and can not explained why all of sudden they took access away. They even have copies of all my information.
Consumer complaint received 2023-02-27
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

Hello, Almost 8 months ago I've changed my personal PayPal account to business account to receive online payments on my website. 

At the time I had no other way of receiving money for selling my online products. 
Overall I've used PayPal for almost 4 months and during this time PayPal limited my account more than 7 times which XXXX of them were total limitation which means not being able to receive money on my account as well. 

So through this whole time I've gave them multiple documents, receipts, screenshots, customer 's satisfaction letters, .. etc, and every time after reviewing my documents and data they restored my account and lift the limits. 

So finally on XX/XX/2021, while my account was fully active and functional all of a sudden without any explanation I received an email from PayPal saying, we decided to permanently limit your account and if any funds in your account will be held for 180 days. 

At the time I had ~ {$2500.00} on my account. Still i can not use my account to spend or receive money and nothing works and i can not directly talk to PayPal anymore using the message center under my account.
Consumer complaint received 2015-06-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: COLLECTIONS UNLIMITED OF TEXAS INC (IL)

I received a call from a debt collector on behalf of XXXX XXXX XXXX about a past due amount that they debt collector claimed that was owed. When I informed the caller that my peoples gas account had been paid in full and that the original company should have been paid in full. The representative yelled at me and told me that the information about the past due amount will be going on my credit report
Consumer complaint received 2023-02-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Here are several accounts that need to be removed and updated to accuracy from my credit bureau which have violated my Rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1300.00}. 

I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

I have reached out to this collection agency numerous times ( 3-4 ) in the past months with no response back from them. I called and sent in 2 letters via mail and 1 through email asking for verification of debt that they say I owe and my signature releasing any of my personal information to them and still no response. This violates HIPPA and infuriates me that they give no response back.
Consumer complaint received 2023-02-17
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. (OH)

TO WHOM IT MAY CONCERN : I recently received a copy of my ( Equifax ) credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXXXXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-21
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-02-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (AZ)

This is a retaliatory debt. The landlords were not fixing things in my apartment so I filed complaints to the city, and filed a lawsuit because of this. In XX/XX/2023, because they still weren't fixing things, and because they were threatening me with charges for maintenance because I reported them to the city. They were also not accepting my rental payment in XXXX in retaliation against me as well. XXXX was ready to be paid to them, but they kept refusing it, then they tried to file an eviction against me when they weren't accepting my rent XXXX left on XX/XX/XXXX and sent them a text verifying my departure. Then months later I see this collections record on my credit report for 2 months and they charged late fees and took my deposit by my calculations. They did not inform me of this balance before sending it to collections. And it's a fraudulent and retaliatory debt. If they believe the debt is valid, they can sue me, but it's not valid, so it needs to be removed. They were also not doing anything about my neighbors dogs barking, using drugs, smoking, and harassing me. So I had to leave!! They were NOT UPHOLDING THEIR END OF THE LEASE, AND I NEED HELP FROM SOME GOVERNMENT REPRESENTATIVE WITH THIS. Landlords were also refusing to move me while they moved other tenants. And the landlords even lied to the police saying that they offered to move me. I attached proof of it all!! My doctor wrote a letter saying I need to be moved from there because they weren't fixing the mold issue that infected me. All included. Included their threats against me too! & Included the city citations for the landlords not fixing XXXX!!
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (MI)

I do not have a contract with AFNI. I am not liable for collection this debt from  XXXX   XXXX   XXXX   XXXX . I am not responsible for this debt.   Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT
Consumer complaint received 2021-12-21
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. (GA)

XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6