davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
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. (FL)

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I have never had an account with XXXX XXXX. Please remove from my credit report as this is inaccurate information. Not to mention, I have sent XXXX XXXX a request to validate the account from XXXX XXXX XXXXXXXX, showing a printout of the bill however they have been unable to do this. The only thing they provided was a response that they have verified the item, however they've failed to show me how. I have paid XXXX XXXX XXXXXXXX off shortly after my wedding which means that the balance on the account is incorrect. There should be no balance, therefore no collection account. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, nor did they send the copy of the bill that added up to the charges in their claim, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. I will not pursue escalation of the matter upon removal of this erroneous account. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

I must inform you that I have been a victim of identity theft. I am disputing the following accounts as they were opened without my knowledge, consent, or authority. Upon contacting the respective companies, I was advised to file the FTC affidavit available on the website XXXX 
XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

In good faith, I XXXX XXXX XXXX, Agent on behalf of XXXX XXXX XXXXXXXX , hereby accept all titles, rights, interest, and equity owed to XXXX XXXX XXXX. Upon reading and studying American Express XXXX filings and Indenture Agreement between American Express and the XXXX XXXX XXXX XXXX  XXXX XXXX I have discovered securities fraud to be conducted within the company. I want to begin by first explaining how securities fraud is being conducted within the Company American Express. I would like to take your attention to page 66 of American Expresss XXXX filings LONG-TERM DEBT AND ASSET SECURITIZATION PROGRAMS. This states, We periodically securitize Card Member loans and receivables arising from our U.S. card business, as the securitization market provides us with cost-effective funding. Securitization of Card Member loans and receivables is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third-party investors. This is a barter transaction so if I need to contact the IRS to tell them I gave American Express exchange of security and American Express decided not to comply, I will file against your charter.

Due to American Express selling consumers securities/applications to third parties investors this amounts to securities fraud with accordance to the rules and regulations from the Securities Exchange Commission ( SEC ) that strictly prohibits companies selling consumers Global Securities on the secondary market. The transfer of Securities started when I gave an application for an extension of credit by applying through the respective companies website. The application/XXXX XXXX is then electronically transferred to American Express where it is then transferred to the XXXX XXXX XXXX XXXX  XXXX being the Trustee. Each Security has an attached unique CUSIP number ( Committee on Uniform Securities Identification Procedures ) which allows the use of CUSIP numbers for identification purposes in the issuance and redemption of Securities. On XX/XX/2023 I applied for an American Express Business Platinum Charge Card and on XXXX XXXX XXXX I applied for an American Express Gold Charge Card and was denied even though value being my XXXX XXXX was given to The Company.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Revenue Solutions (CA)

I have disputed this account several times with titan revenue solution several times. 

they have called me with abusive tactics, cussed at me, called me foul names, threatened me and used several illegal tactics. 

I have asked them to send me the proof they have and all they have is a fraudulent check that has a signature forged to read my name. The check they are used as their " proof '' is not an account I have ever used, owned or operated. 

I have reported this to them as fraud and they continue to ignore me and report this information on my credit report. I have advised XXXX of this matter as well and they have refused to help me. 

Every other credit bureaus has been more than helpful in this situation but XXXX 

Please help me get the justice I deserve.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been disputing a XXXX XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on myTransUnion, XXXX and XXXX reports.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

On XX/XX/2019 I sent a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX to Midland Funding. It shows that my dispute letter was received on XXXX XXXX at XXXX XXXX. In my letter of dispute I informed the collection agency of my dispute and that I was requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In my letter I also request " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. in which my letter was all ignored and instead they are sending me letters threatening to sue me. They are in violation of the FCRA & FDCPA because clearly they are unable to validate this supposed debt by ignoring my dispute and instead of sending me proof of validation they are in turn sending me letters threating to sue. Not only are they in violation of my rights they are clearly reporting a false policy on their website when it comes to debts. practicing the very opposite of what they are committing.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MD)

XXXX XXXX manages my checking account for XXXX XXXX payments. 
My monthly XXXX XXXX payments are direct deposited by the XXXX XXXX. 

On XX/XX/XXXX, I sent the following email for XXXX XXXX customer service department : " I AM XXXX XXXX XXXX. THIS IS REGARDING MY XXXX XXXX CARD NO. ENDING IN XXXX. PLEASE REFUND MY MONEY. I WAS TRYING TO BLOCK THE XX/XX/XXXX, PENDING TRANSACTION. BUT I COULD NOT GET YOUR REPS TO ANSWER THE CALL : TRANSACTION NO : XXXX, WAS UNAUTHORIZED. I DID NOT MAKE THIS TRANSACTION : Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX CA UNITED STATES OF AMERICA XXXX XXXX FOR {$19.00}. 

I cancelled the card ending in XXXX was issued a new debit card ending in XXXX. Also, I submitted an XXXX XXXX to XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX approved the reimbursement of {$19.00}. However, to date the funds have been deposited back into my checking account. 

I have contacted XXXX XXXX at least twice a week from XXXX thru XXXX of XXXX. As of XX/XX/XXXX the funds have not been redeposited into my Checking acct. 





( It is an authorized transaction. Please contact me at ( XXXX ) XXXX or via email at XXXX. )
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

Cashapp has closed my account XXXX for no valid reason. I use this account as a reasonable sending and receiving money to family and friends that are not local to me. There is never any suspicious activity everything is me and valid transactions. I am requesting this account be reopened. As this goes against everything cashapp stands for. There was no communication from cashapp, and I violate my usage of cashapp as its my main source of sending and texting money.
Consumer complaint received 2019-03-11
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. (ND)

Attached is a copy of the XXXX XXXX XXXX XXXX  document dated XXXX showing my child support payments were applied to the delinquent debt owed. These payments were made to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. 

XXXX  ; Experian and XXXX - are reporting incorrectly that the following accounts are in collections - partial account numbers : XXXX ; XXXX ; XXXX ; and XXXX. I have contacted the three bureaus regarding this incorrect reporting, but have not been able to get the issue resolved. This is a violation of the Fair Credit Reporting Act and this incorrect information is hurting my credit score.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I received a letter dated XX/XX/XXXX in which it stated that I may have had a lapse in coverage on my home from XX/XX/XXXX XX/XX/XXXX and my account may be charged {$4500.00} for force placed insurance. 

I called PHH Mortgage XX/XX/XXXX and spoke to XXXX department and I inquired as to why if there was a lapse in coverage I was not informed until XX/XX/XXXX. XXXX was that it was not noticed by Mortgage Company until XX/XX/XXXX that there was no coverage therefore, they had to place insurance on my account. So, let me get this right you notice in XX/XX/XXXX that there is no coverage, notify me in XX/XX/XXXX and want to charge my escrow account a year later? If mortgage company not informed, then how was I to have knowledge of the laspe in coverage and now have charged my escrow account {$4500.00} which made me negative {$2500.00} in escrow which in turn will make my mortgage increase over {$200.00} a month. 

How can I be charged by the company for coverage when I never received the 45 day notice of force placed insurance prior to the charges. If they were to charge me for XX/XX/XXXX I should have been notified by law prior to the coverage date. They are attempting to charge me after the fact. 

I was on the phone for an hour and issue was not resolved, I was just apologized to and said that was all they could do, they had to put insurance on it.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2023-03-20
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. (GA)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : 1. XXXX  XXXX # XXXX XXXX. XXXX XXXX - # XXXX XXXX. SXXXX  # XXXX XXXX. XXXX @ XXXX # XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address.

According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a targeted offer from Bank of America within their online banking site in the " special offers & deals '' section for opening up an Advantage Plus checking account and received {$300.00} for " Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account ''. I completed the requirements and the term says the bonus would be paid out within 60 days. It's been past the 60 day period and it has yet to be paid out. Multiple contacts to Bank of America, the reps simply stated it would post but never did.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO (WA)

On XX/XX/2019 I made a {$20.00} purchase with the credit card in issue, which I have had for the past 10 years and have always paid on time ( as shown on my credit score ).

I submitted the payment of {$20.00} to this credit card on XX/XX/2019 ( 5 Days later ) to return my balance to {$0.00}. But for some reason my payment got rejected, and the bank NEVER notified me of this incident! Not a single email or phone call or text message saying " Your payment got rejected, please verify and try again ''. 2 months passed and the bank never notified me of this incident. 

The only way I found out was when I received an email notifying me that my credit card score had been affected by XXXX points because I didn't make this payment of {$20.00} on time. 

I proceeded to call the bank and they explained that the payment got rejected because when I created the " payment information '' I used the wrong routing number. Which is unbelievable since I use the same checking account to pay the other credit cards within the same bank that issued this credit card! 

Again, I use the same checking account to make successful payments to the other credit cards within the same bank, but for this {$20.00} charge, my bank information is invalid, my payment rejected, I was not alerted of any of this, and my credit score goes down XXXX points. Unbelievable!
Consumer complaint received 2016-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MA)

Had a debt with XXXX of MA that I paid in full prior to them sending it to collections. I got a collection letter from convergent outsourcing, a few weeks later in which I figured that it would get corrected from the gas co. I now notice that they are reporting to all XXXX credit reports as unpaid even after I called them. they are not correcting this for me.
Consumer complaint received 2023-02-10
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. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (CA)

After I submitted CFPB claim XXXX about Wells Fargo XXXX XXXX forbearance program that has destroyed my credit despite paying them my contractual obligation, I decided to move my IRAs out of Wells Fargo because they have lost my trust. 

I put in XXXX different requests to transfer my IRA from Wells Fargo to XXXX on XXXX. Each time, Wells Fargo Brokerage rejected my request to transfer the funds outside of XXXX. I called Wells Fargo on XX/XX/24, and they would not tell me why the request was rejected, nor explain how to complete a transfer request outside of Wells Fargo. After an hour on the phone without answers to my questions, the line was disconnected and I was not called back. 

My assumption is XXXX is not allowing me to transfer assets because they still have not resolved the mortgage issue, and are locking my assets. This is a continuation of the predatory and outrageous practice.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX , I entered a 60 month lease agreement with Wells Fargo Auto Lease Exchange on a   XXXX   XXXX   XXXX    Never late on payments. Lease end date was scheduled  XX/XX/XXXX . My last payment direct to WF was XX/XX/XXXX  On  XX/XX/XXXX , my auto insurance paid off the book value of the vehicle after I encountered an accident due to an ice storm.. insurance claim paid WF full amount of their payoff request   XXXX    plus the   XXXX   I had already paid in 60 months of lease. Now, Wells Fargo is reporting me as a charged off credit card fo {$25000.00} on   XXXX   as of today and. Charged off installment loan for {$25000.00} on  XXXX  as of today! The company that I leased from on XX/XX/XXXX  called WF Lease Exchange and have been out of business for years! Wells Fargo Bank is reporting these fraudulent damages to the bureaus which has prevented me from getting an auto loan for more than 5 years now after I paid the lease agreement terms on time fr om  XXXX  to   XXXX  and they were paid the deficit of the vehicle value by my insurance company! Total they were paid over 35,000.00 for a   XXXX   XXXX   XXXX  r in less than 5 years and have been reporting charge off and passed due credit card installment accounts since  XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.