davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (LA)

XXXX XXXX XXXX, LA XXXX Franklin Collection Service XXXX XXXX XXXX, MS XXXX Account Number # XXXX Dear Franklin Collections, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and Professional Liability Fund for code of ethics violations. Sincerely, XXXX XXXX
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION (NV)

In XX/XX/XXXXmy wife and I obtained a divorce. I have three accounts with XXXX XXXX XXXX ( Personal Account - XXXX  ( jointly with wife ) ; XXXX XXXX Account -  XXXX  ( wife not on account ) and XXXX XXXX XXXX   Account - XXXX ( wife not on account ). In XX/XX/XXXX, I had my ex-wife removed from my Personal account. Because my ex-wife had on-line access to all of my accounts, she was able to make unauthorized on-line withdrawals from all three of my accounts to pay for her XXXX Credit Card ( XXXX XXXX ). XXXX XXXX XXXX  in XX/XX/XXXX processed a withdrawal for XXXX XXXX   in the amount of {$15000.00} and on the next day XXXX XXXX XXXX reversed the unauthorized on-line withdrawal for the same amount because my ex-wife had been removed from my Personal Account - XXXX. Then in XX/XX/XXXX andXX/XX/XXXX, XXXX XXXX XXXX processed unauthorized bank withdrawals to XXXX XXXX  in the amount of {$15000.00} from Account XXXX. From XX/XX/XXXX toXX/XX/XXXX XXXX XXXX XXXX  allowed unauthorized withdrawals to XXXX XXXX in the amount of {$310000.00} from my XXXX XXXX  Account - XXXX
Consumer complaint received 2022-03-08
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. (MN)

XXXX, Equifax and XXXX the major consumer reporting agencies is ignoring my letters or claiming they have been verified when i ask for the information to be deleted. The creditors that i have disputed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights have been violated per 15 U.S. Code 1681i ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; There was NO NOTICE OF DISPUTE. this is a violation of my rights 15 U.S. Code 1681b In accordance with the written instructions of the consumer to whom it relates.

They do not have written permission to furnish the information about me.

5 U.S.Code 552a and most of all my right to privacy was violated with them publishing this information about me I have tried to dispute this with the consumer reporting agencies as well as the persons supplying the information to no avail.

These people are crooks and are only doing what is in their best interest which is a conflict against mines.
Consumer complaint received 2018-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (WI)

In XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. This plan was paid in full on XX/XX/XXXX. All creditors received notice that the debts were satisfied at that time. This company is still reporting the XXXX debt as outstanding to the credit bureau. I have disputed this debt twice with the credit bureau twice but the company refuses to enter it as paid on my credit file.
Consumer complaint received 2018-08-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

Toyota Financial Services for years did not report this loan for my 2012 XXXX to any of the credit agencies. It took the CFPB, XXXX and a certified letter to the office of the president of TFS to fix. Finally, the item got reported and all the payment history but did not have an impact on the score as that's not the way credit aging works. Check CFPB reports and notes on the account. 

The issue I'm faced with at the moment. I just setup bill payment on the account. The information was off by 1 digit on the account number. I re-submitted my payment via my bank 's bill payment system. The payment was accepted and posted to my Toyota account however 2 days after the due date. Now I've been marked with a 30-day late payment that shouldn't have occurred.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-01-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made an ATM deposit last week thursday, XXXX XXXX. The Capitalone ATM malfunctioned, ate my cash and card. Capitalone 360 reps first stated that within 1-2 business days it will be resolved. It has still not been resolved. The bank is now stating it will take 45 days to resolve.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (IL)

I HAVENT EVEN BEEN ABLE TO USE MY ACCOUNT SOMEBODY KEEPS HACKING MY STUFF PRETENDING TO BE ME AND GETTING CREDIT MONEY OFF MY ACCOUNT WHICH HAS MADE MY ACCOUNT XXXX
Consumer complaint received 2016-08-15
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I used western union services and they took the money out of the account and sent me a completed transaction letter. When my dad went to pick up the money they denied the transaction. When following up with WU, they said oh yeah, the transaction did n't go through. This was a transaction completed XX/XX/2016, this is now XX/XX/2016 and I still do not have my money back! 
This is not the first time I got this problem, initially I thought mistakes happen in the system, now I believe they are making money on denying transactions and keeping money for weeks making interest on the customers! There was no communication from WU telling me sorry and what went wrong, in fact when calling them I got very limited info, saying may be the recepie by reached some limit, but never a definite answer, never giving a direct answer to the declined transaction. Terrible service. The managers had no answer why transaction was cancelled by western union. Telling me to write to the headquarters. This is weeks now and my money is still held by them.
Consumer complaint received 2018-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am suppose to receive direct deposit into my account of my choice I chose XXXX XXXX XXXX right now as we speak someone put a hold on my funds just before my deposit was suppose to be delivered then someone switched my direct deposit to citizen 's bank after social security completed a trace I then went to citizens for more information I was told by this associate that it had just popped up and I had a negative balance of XXXX she called collections told me that they were going to take the XXXX and mail me a check. today is the fourth and I don't see the funds in my XXXX XXXX XXXX account. 
Also I received an approval letter from rent rebate for XXXX that I was suppose to receive on the XX/XX/XXXX and it also, have not been loaded onto the card.
Consumer complaint received 2018-08-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

To whom it my concern, Several months ago I pulled my credit report from all three major bureaus. There were several items being reported that I did not recognize. I disputed these items with the 3 bureaus and several of them were deleted. 2 accounts were not deleted, however. Portfolio Recovery Associates, LLC ( PRA ) Is reporting 2 accounts that I don't recognize. I disputed the accounts with the 3 bureaus and directly with PRA. I had never received ANY communication with PRA concerning these 2 accounts until AFTER I initiated the dispute process. Once I began the dispute process PRA sent a printout of an old statement from both accounts. The copies of the original statements showed that they were originally addressed to 2 different addresses, both of which belonged to my father. My father and I share the same name with no differentiating title, i.e. junior, senior, etc. I sent a letter to the 3 bureaus and PRA requesting more information/proof that the accounts were mine. I have received no such proof from either PRA or the 3 credit bureaus. I keep receiving the same form letter from PRA that lists name, account number, date account was opened, balance, etc. The ONLY original information I have ever received is one copy of a credit card statement from both accounts which both list addresses that belonged to my father. I believe that PRA and the three credit reporting bureaus have NOT performed a proper investigation, even after being requested to do so, and continue to use the XXXX system in order to " validate '' the accounts. I simply want proof that these 2 accounts are mine and not my fathers and to have these 2 accounts DELETED from my credit profile if proof can not be produced.

Thank You
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IN)

Dear Creditors Discount & Audit, This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. 

I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. 

I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. 

Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.
Consumer complaint received 2018-08-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peer Advisors, LLC (NJ)

On XX/XX/2018 a man appeared at my door saying he was serving papers for ( what initially sounded like ) XXXX. I said I had no account with them, and told me I needed to call the lawyer involved. Upon looking at the documents they related to my deceased grandmother. Knowing that by Federal law I am not responsible for this debt, and the fact it felt like a scam ( being served with papers without any prior effort by any party to contact me regardless ), I did not take action. On XX/XX/XXXX I and my spouse received additional correspondence from this lawyer stating that he was entering into judgment to have the debt paid. All documentation contains a laundry list of relatives for my late-grandmother, including the executor of her will ( which is not me ). Upon reviewing documentation sent by certified mail it seems that she took out a loan at some point prior to her passing. At no point was I aware of this loan, I never discussed it with her, nor did I co-sign on this loan. After talking with a representative of the CFPB on XX/XX/XXXX I wrote a letter to this lawyer indicating that I have no legal responsibility for this debt, nor do I have any intention of paying it. This letter was sent by certified registered mail on XX/XX/2018.
Consumer complaint received 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

We have reached CitiMortgage four times in different years for the past ten years with no solution to our request to help us in lowering ( modifying ) the interest rate of 12.375 %. We consider that this rate is three times higher than the current interest market, we have never been late in our payments. We can't sell the condo because we owe more than its value, we expected help by modifying our current debt with CitiMortgage, but it seems that CitiMortgage wants to see us in a very desperate situation and delayed in payments to give us a help, which is unfair. The last time we met was this past XX/XX/2018 at XXXX ( XXXX XXXX XXXX XXXX XXXX, Florida XXXX ), and the only solution they gave us was to cash-out from our primary residence and pay out this second mortgage. We consider that we have paid unfair interest, since the market interest rates have been lower for the past 5 years. Our current debt as of XXXX is {$26000.00}.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/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 ) XX/XX/XXXX
Consumer complaint received 2018-08-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MCCUE MORTGAGE COMPANY, THE (RI)

Never received a compromised claim disclosure for {$9800.00} ( VA Home Loan Guarantee ) or sale disclosure form from the mortgage company that occured on XX/XX/XXXX. When I attempted to request all documents pertaining to the short sale ( XX/XX/XXXX ), representative was resistant to my request, telling me that I could not have those documents. Later the mortgage rep called back and stated that I could get email correspondences in relation to the sales transaction. I also was informed that any documentation pertaining to the sale of the house would cost me {$5.00} per page. 

At closing of the sale I did not receive any closing disclosure from the sale or a compromised claim documentation submitted to the VA Home Loan Guarantee.
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control (OK)

Collection of {$62.00} filed with XXXX  and posted XX/XX/XXXX : AGENCY CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX  ( XXXX  ) XXXX The claim challengedXX/XX/XXXX with documentation proving the claim was false and XXXX  removed the claim from my credit report ( XX/XX/XXXX. )
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (SC)

I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the Barclay a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2020-04-20
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. (NC)

I filed a dispute about charges and never heard anything from Chase until I got a bill showing these charges. I sent them a email letting them know I disputed these charges and they said we mailed you a letter needing info and never received anything back. I advised I never received anything from them. So they needed to dispute those charges again. The total amount is {$290.00} I keep sending them a email and all they say is we will look into it. I advised to them I have a payment coming up due which comes from this dispute. When I bring this up they never say anything about this. A credit has not been put on the account to stop payments being due. A payment is due by XX/XX/XXXX. This has been going on with them since last week. I have tried to call them but, they have extended wait times. I'm sending them anywhere from 2-4 emails per day trying to get this fixed.