davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

DEMAND TO VALIDATE NOT VERIFY DEBT CLAIM RESPONSE TO 10 DAY WRITTEN NOTICE FOR A CLAIM OF DEBT IN ACCORDANCE WITH USC 31 3716, 5 USC 5514, AND 45 CFR PART 30 AND 32 AND PURSUANT 45 CFR PART 32.6 ( e ) ( 1 ) Burden of proof. ( 1 ) The Secretary has the initial burden of proving the existence or amount of the debt. 
1 PLEASE TAKE NOTICE OF THE Following It has come to my attention, after scrutinizing some documents, that you are collecting monies from me that you were never entitled to. 
Furthermore, your original claim has errors and deliberate misrepresentations. Thus, pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq., this notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 
Moreover, this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed by producing the following : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. 
( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. 
( 5 ) Proof of claim in corresponding ACCOUNT Number # # # - # # - # # # ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or othe
Consumer complaint received 2024-03-16
Product: Credit 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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, a scammer impersonated my employer through the company email, requesting me to make several purchases on behalf of the company. After making XXXX transactions, of {$200.00} each, I immediately called Wells Fargo to flag those charges in an attempt to stop them from going through. Wells Fargo opened a case for me with those XXXX claims and sent me a new credit card. On XX/XX/XXXX, Wells Fargo reimbursed and adjusted all XXXX transactions. On XX/XX/XXXX and XX/XX/XXXX Wells Fargo denied XXXX of the claims and recharged those fraudulent transactions onto my credit card.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Hello, On XX/XX/2022 I disputed a total {$270.00} from 28 charges from XX/XX/XXXX to XX/XX/XXXX with Capital One. Originally Capital One refunded the the total amount, but they then reinstated the charges saying the found sufficient evidence to believe the charges were valid. Their evidence was that there were three charges on my account previously from the same merchant. I tried to explain to them that those charges were fraudulent too I just didn't notice them because they were small amounts spread out. Capital One said I needed to collect any evidence I had to support my claim and send it to them. I told them I have no evidence of someone else using my card and that I've never had an account with the merchant in question, so getting evidence would be impossible. They gave me the merchants number, which was nothing more than their customer service number and they said they couldn't help me without any account details which I didn't have because I never made an account with the merchant in question.
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}
Consumer complaint received 2021-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion is showing that I have over 30 inquiries when I didn't authorize and it caused a big drop in my score. I disputed the same problems with XXXX and XXXX, both bureaus fixed the problem. Transunion is giving me a hard time. I reported to that my credit and personal profile been hacked in which I never been a situation such as this.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (PA)

I reacted out to pay my past due balance, scheduled a payment for XXXX, due date is set for XXXX. I adored if I payed last than the amount due would I be charged a fee the representative I spoke to said no and he would remove the late fee charged for XXXX statement. There was a credit for the late fee the XXXX payment posted and I received a notice of statement for XXXX and have a late fee for XXXX. I paid before the cycle due date for XXXX how do I incur a late fee?
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2017-09-25
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. (DC)

Equifax suffered a data breach and failed to adequately notify me of the breach in a timely fashion. Additionally, Equifax has not provided specifics on which pieces of my personal identifying information were stolen. Equifax 's overall communication and handling of this entire issue have been poor.
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

I am writing to file a formal complaint against XXXX XXXX, XXXX for multiple violations of consumer financial protection laws that have negatively impacted my credit and consumer rights. Detailed below are the specific violations and the actions I am demanding in response. 

Violations : Failure to Provide Validation Information : Despite placing a collection entry on my consumer report, XXXX XXXX XXXX XXXX XXXX has not provided me with the requisite validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency and due diligence is unacceptable and has unjustly affected my credit standing. 

Denial of Dispute Opportunity : In contravention of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This denial of my right to dispute is a direct violation of established consumer protection regulations. 

Use of Deceptive Practices : The collection tactics employed by XXXX XXXX XXXX XXXX XXXX involve false, misleading, and deceptive means, which is in clear violation of my consumer rights and breaches the trust inherent in fair collection practices. 

Unauthorized Reporting to Credit Bureaus : The agency has reported information to consumer reporting agencies without adhering to the necessary legal disclosures, violating both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This unauthorized reporting undermines the integrity of my consumer report and violates statutory requirements. 

Demands : In light of these violations, I hereby : Dispute All Alleged Debts : I am disputing any and all debts that XXXX XXXX XXXX XXXX XXXX claims I owe. I assert that these claims have not been validated and are disputed in full. 

Revoke Communication Rights : Effective immediately, I am revoking XXXX XXXX XXXX XXXX XXXX 's rights to contact me via email, text messages, or phone calls. All future communications should be directed in writing through postal mail. 

Request for Debt Validation : I am formally requesting a comprehensive validation of the alleged debt, including but not limited to the original creditor 's name, the date of the original charge, and the amount of the debt. 

Request for Purchase Agreement : Additionally, I request a copy of the purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor, proving the legitimacy of the debt and the authority to collect it. 

Proof of Licensing and Bonding : I also demand proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to collect debts in my state, as required by law. 

I expect a prompt response to this complaint, addressing each violation and demand outlined above. Failure to satisfactorily resolve these issues may compel me to take further legal action, including but not limited to seeking remedies through litigation. 

Please consider this letter a formal notice of the aforementioned disputes and demands. I look forward to your timely and comprehensive response.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened an account with Chase early this year. Last month I was applied to get a loan for school, one of the companies that called me needed to verify that I had an existing checking account and I provided them with my information for verification purposes. The company issued the loan Via check into my account and the check was fraudulent. I contacted Chase right away and was told to go to a branch so they could close that account and reopen me a new account. I went to a branch and informed them of what happened, they closed that account and a new account was opened and new debit card ordered. 2 days after opening the new account Chase closed the new account. When I called customer support I was told that It was a risk with me banking with them and I could not bank with them anymore. I had already discussed with them more than once that I was a victim of fraud and had they looked at my account activity they would see that I never had any issues with my account until I had applied for a school loan. The bank teller educated me on how to prevent fraud from happening on my account and Chase still closed my new account and restricted me from ever opening an account with them.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
35.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (SC)

Complaint against XXXX I write this letter to formally bring forth a complaint against XXXX for their failure to comply with the rules and regulations outlined in the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the issue directly with the debt collector, I find it necessary to escalate this matter to your attention. 

I sent a letter to XXXX requesting them to validate the incorrect information they are reporting on my credit file. In response, I received a letter from XXXX claiming that my information has been verified. However, the response provided by XXXXcontains insufficient validation of the disputed information and fails to meet the required standards as stipulated by the FDCPA. 

As per Section 809 ( b ) of the FDCPA, debt collectors are obligated to provide specific information to validate the accuracy of the reported debt. This information includes, but is not limited to : 1. The name of the original creditor 2. The original account number 3. Documentation confirming that I am responsible for the debt 4. The complete payment history, including any interest or fees charged 5. Any agreements or contracts that evidence the existence of the debt XXXX provided none of this required information in their response, which constitutes a clear violation of the FDCPA. I have made a diligent effort to handle this matter in good faith while upholding my rights as a consumer, but XXXX actions have left me no choice but to seek assistance from your reputable organization. 

Their failure to comply with the FDCPA is evident. Additionally, I request that they be instructed to remove the incorrect account from my credit report, as the law mandates in such circumstances. 

I have attached copies of the relevant correspondence for your reference, along with any supporting documentation regarding the inaccuracies in my credit report. Please let me know if any further information is required to facilitate the investigation.
Consumer complaint received 2022-12-16
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)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2019-11-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

A unprofessional, who thinks he is an alpha male came from up north to do my loan, he doesn't have much of personality and was condescending, thinks women are below him. I was suppose to be able to re-do the loan to lower payments which I have tried to speak to someone about this and I just get the runaround and never get to speak to anyone. I feel that I've been taken advantage of and or discriminated against to say the least. I make my payment every month on time and I've lost one of my incomes and have been trying to get this loan re-done to lower the payment but I just keep getting transferred and never to anyone that can help. Ameris is very unprofessional and discriminating against females.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (CA)

a lawsuit filed by XXXX XXXX. Gurstel Law Firm. CA debpt collector license # XXXX address ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This lawsuit concerns charges amounting to {$25000.00}, which were incurred after my XXXX card was stolen during the aforementioned robbery at the landlord 's premises. These charges are unauthorized, and I have reported the theft to both the police and XXXX. Despite my status as a secondary user on the credit card, which was applied under a corporation 's tax ID, I find myself unjustly targeted in this lawsuit. 
I have taken steps to address the XXXX issue, including filing a report with the Consumer Financial Protection Bureau regarding this fraudulent activity. However, given the legal complexities, I require professional guidance to navigate and resolve these matters effectively. 
Thank you.
Consumer complaint received 2022-05-19
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: Auto Buyers Credit LLC (CA)

There is information on my credit reports that is incorrect? There is a Home equitiy loan, opened in XX/XX/2021, Mortgage loan, Auto loan, banking cards, Retail cards, Pet insurance.Phones, everything
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-13
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: CITIBANK, N.A. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on BEST BUY/CBNA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim about a little over a month ago. When I initially opened up the claim Bank of America claim specialist said IT WILL BE A FULL INVESTIGATION that they would pull the ATM footage and compare with my drivers license photo and asked me well Ill be willing to prosecute the person who stole my money I said yes. Every ATM withdrawal was not me and I stand firm on that. THEY JUST CLOSED THE CLAIM AND SAID THEY NEVER PULLED THE ATM FOOTAGE. THIS IS UNFAIR AND UNLAWFUL ACCORDING TO THE TERMS AND CONDITIONS AND THERE Commercial Prepaid Card Account Agreement : 14. Bank of Americas Zero Liability Policy for Unauthorized Transactions. I NEED MY MONEY BACK.
Consumer complaint received 2021-11-13
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. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I made a cash payment using my ATM card at another bank. I just found out that Chase charged me {$75.00} for non ATM cash fee. This is something they never disclose to me. Chase is just 2 minutes from me. Had I known about this fee, I would have just walk to their branch and get my cash but they never informed me about the fee until when I saw that on my statement and I called. The first person who picked my call said they will look into that and they ended up hunging up on me. I called again and the guy who picked said he will not remove the charged. 

I need this is charge removed because this is not fair. Chase is stealing from us and that need to stop already.
Consumer complaint received 2019-11-21
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: Convergent Resources, Inc. (NY)

I went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX and my XXXX  as well then its another account that just on my XXXX  and it is XXXX XXXX XXXX in the amount of $ XXXX date opened XX/XX/XXXX