davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Cordoza & Wexler Recovery Services (WI)

Received VOICEMAIL message today on mobile phone from number, XXXX " " my name. '' This is XXXX XXXX I'm a carrier with the county responsible for serving you legal documents pertaining to your social security number. This is an attempt to locate you at your residence or place of employment to obtain signature. This is a fail attempt it will result in a missed court appearance on your behalf. To stop the practice of being served or prevent a missed court appearance that you please press one to be connected to be directly connected to a representative or connect the filing party at XXXX. 

When I called them they stated they were from the law office of Cardoza and Wexler. When I pressed for more information I was either hung up on or left on hold until I hung up. 

The debt they are sighting is an old payday loan that has already been paid over 3 years ago.
Consumer complaint received 2018-07-06
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. (SC)

I have been disputing information on my credit with TransUnion for over 3 years. The information is still on there and I requested copies of how they came up with what is reported on my credit report. I am in the military and it is required that I maintain a security clearance. In order for me to obtain it a few years ago, I had to pay creditors that I did not owe. I am attaching copies of letters that were sent and a copy of credit reports. The only thing that TransUnion did was send me another report over and over. One of the XXXX XXXX accounts were deleted but they left the other one. Please help me in getting this information corrected. 

The companies are : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - According to credit report it will be deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - the other account was deleted but this one was left. 
XXXX XXXXXXXX According to credit report, it will be deleted XX/XX/XXXX Thank you in advance.
Consumer complaint received 2018-07-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (HI)

On XX/XX/2018 my employer advised me that a letter was received from Kashia dba XXXXXXXX XXXX. The letter states I agreed to have 25 % of my wages garnished for a total amount of {$1600.00}. The loan amount was for {$700.00} and i never agreed to pay over {$900.00} plus the original loan amount of {$700.00}. The letter sent to my employer states I agreed to the garnishment which is untrue. This company has not reached out to me to make any arrangements prior to submitting this letter to my employer.
Consumer complaint received 2018-07-05
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. (FL)

Good Morning I am submitting an Complaint that I have with XXXX, Transunion, and XXXX regarding XXXX XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Consumer complaint received 2016-07-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Source Receivables Management LLC (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to SourceRM. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by SourceRM. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of SourceRM and XXXX XXXX XXXX. Because neither collection company is abiding my Texas FDCPA.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX Todays Date : XX/XX/XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX   XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Ive had a Citizens savings account since XX/XX/XXXX ( it was known as Citizens Access then ), with no problems. Between XX/XX/XXXX and XX/XX/XXXX I made three Mobile Check Deposits of {$100000.00} each. By XX/XX/XXXX those three checks had cleared, leaving me with a balance of {$300000.00}. On XX/XX/XXXX I transferred {$20000.00} to another bank, and on XX/XX/XXXX I transferred another {$75000.00}, with no problems. 

On XX/XX/XXXX I attempted another transfer, but received an email on XX/XX/XXXX that the transfer had not been processed. On XX/XX/XXXX a notice appeared in my online account that the account had been frozen. 

On XX/XX/XXXX, and every week since then ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I called their help line ( XXXX ) or use their website chat with us feature to ask about the status of this account freeze. On the first contact they said there was something about checks having been deposited to trust which were not in my name. On that first contact, and every call, they would not give me any timeline on when the issue would be resolved, who else I could talk to about it, or any other phone number, email, or mail address to contact. That first call was the only time they had any details at all ( about the trust name ), every other call they would only say that Id be contact when the investigation was complete. 

The account has remained frozen for a month now with no information about when that might change, what is the status of the freeze, or who I can contact about it. 

Only that first phone call provided any information about the problem, which I can see is a real problem, but theres no opportunity for me to do anything to resolve it!!!
Consumer complaint received 2020-07-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32.00}, {$600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER  ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We have been in contact with XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  Through CFPB. Both have confirmed through CFPB and in writing to us they have no affiliation to the property or Wells fargo and decisions on the mortgage and note and XXXX XXXX don't have any knowledge of any assignment of mortgage in 2009. 


Who are you servicer the loan for??????
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX I HAVE CONTINUED TO WRITE AND COMPLAIN ABOUT FRAUDULENT ACCOUNTS AND ADDRESSES REAPPEARING OR NEVER SIMPLY BEING REMOVED FROM MY REPORT LIKE EQUIFAX SAID THEY WHERE GOING TO REMOVE THE INFORMATION AND I WILL CONTINUE TO COMPLAIN UNTIL THEY GET IT CORRECT.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

Chase bank charges {$12.00} service fees for going under a {$1500.00} minimum ( the lowest they have ). When I got the account from my father 's estate, it had a {$20000.00} minimum. When the account dipped below that, they charged the fee for over a year. I never saw any notification of it. Now I had to use the rest of the money. There 's no way I can reach the minimum or get a deposit of {$500.00}, given that I 'm on XXXX and do n't get the money myself. This whole service fee is questionable and even worse towards low income folk. The lady at the bank said that {$1500.00} was the lowest minimum and that they had to charge this fee for " holding the money. '' I 've got {$30.00} in my account now. There 's not even anything for them to hold, and if there is no money coming or going, there 's not even any service for them to render besides keeping that record, that excuse for them to charge fees. So I 'm going to have to close the account. There 's nothing else I can do. I neither want nor can afford to give them money for free, and quite frankly they do n't need these little scams that they quietly increase over time. Fees for using ATMs, fees for maintaining an account. I see - now it 's not enough for them to consider it valuable, but even before these practices are unethical and anti-consumer.
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Per New York State Department of State, Division of Corporations DOS ID : XXXX, Capital One Auto Finance , Inc. ability to do business within New York State has been suspended since XX/XX/XXXX ; However, XXXXXX/XX/XXXXentered me and my wife, XXXX XXXX into a loan with Capital One Auto Finance , Inc. on XX/XX/XXXX and did not disclose that Capital One Auto Finance , Inc. ability to do business as a foreign entity in New York State had been terminated. 

If the XXXX AXX/XX/XXXX would have disclosed that Capital One Auto Finance , Inc. was not authorized to do business within New York State, I wouldn't have brought that car using Capital One Auto Finance , Inc. per the dealer.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I have banked with Chase for 30 years and received a letter from XXXX XXXX at Chase on XX/XX/2018 dated XX/XX/2018 stating that my loan servicing was moved to XXXX XXXX XXXX ( XXXX ) effective XX/XX/2018. I called XXXX at XXXX   on XX/XX/XXXX to make payment and XXXX said they did not have my account information and to call back next week. I don't want my mortggae payment to be late and I can't pay at Chase like normal and XXXX  does not have my information like XXXX XXXX at Chase said they would have it as of XX/XX/2018.

I called XXXX   again on XX/XX/2018 and they still don't have my information.

I called XXXX XXXX, Managing Director, at Chase ( XXXX, and I get put through to the XXXX  and they tell me that XXXX XXXX   will not call me back even though he signed the letter sent to me on XX/XX/2018. I spent an hour and 20 minutes on the phone with Chase employees in the XXXX  on XX/XX/2018 but they do nothing and just tell me to pay my mortgage late next week when XXXX  should have the information. No one will put me through to XXXX XXXX  Managing Director at Chase who sent me the letter explaining the change in serving. If they don't transfer the account properly it should go back to XXXX XXXX  at Chase. Why does he send me a letter than hides and refuses to come to the phone at the telephone he noted in his letter. XXXX XXXX Managing Director, Chase, XXXX. I attached a copy of the 6 page letter. Why are these executives at Chase such cowards hiding from their customers of 30 years.?
Consumer complaint received 2018-07-06
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. (GA)

I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent notice to experian credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

My wife received a bill from American Adjustment Bureau , Inc dated XX/XX/2018 sating she owed money to XXXXXXXX XXXX. XXXX XXXX. The contact person is XXXX XXXX but the email goes to a XXXX. I can never reach anyone at the phone number, it always goes to voice mail and their letter says to email or text.On XX/XX/XXXX I sent an email and received a replay the next day stating I would receive a copy of the bill showing the amount owed.On XX/XX/XXXX I received a bill that clearly shows a {$0.00} balance and doesn't even show the amount that is supposedly owed. I sent another email after not being able to reach anyone by phone and got back an email 4 days later ( XX/XX/XXXX ) saying I received an itemized bill and we owe the balance shown on the collection agency 's bill. I sent another email requesting the correct information, including actual date of service, actual billed amount, insurance payments applied, etc. Silence, no reply or anything. On XX/XX/XXXX I sent another email requesting either the information I requested be provided or they stop all collections against my wife. I also contacted the Hospital in question and after multiple attempts I was able to determine that there is no outstanding debt owed to them and this bill is not valid. The woman ( XXXX I believe ) said she would contact the collection agency to try and resolve this for me. As of today ( XX/XX/XXXX ) The collection agency website still shoes a balance due and they have filled a collection on her credit report. This needs to be corrected and the company needs to respond to my attempts to correct this error.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Persolve, LLC - Legal - Series 2 (CA)

This case is against Persolve in XXXX CA. They have had A LOT of law suits, reprimands, ordered to pay restitution, etc. 
I had a XXXX XXXX card and bought a ring for {$1800.00} back in approximately XX/XX/XXXX-XX/XX/XXXX. The ring broke-stone fell out, we returned it but XXXX never closed the account. They then sold it to a debt collector. by XX/XX/XXXX, they had racked up {$5500.00}. XXXX charged off the account in XX/XX/XXXX and it was closed. 

Somehow this unscrupulous company, XXXX XXXX, Persolve LLC got the debt, they took it to court. They said they served me, they DID NOT. I would have gone to court and defended myself. They ended up going and getting a judgement for {$8000.00}! with {$1.00} a day interest!! They started a wage garnishment WITH NO NOTICE to my federal salary. My spouse is full unemployable XXXX veteran. 
This predatory debt collection should not be allowed. This company had done this over and over and over and they continue to stay in business? XXXX them, all the class action suits, judgments against them, failure to provide written notification, adding exorbitant fees and penalties, etc.. SEE attached court order and see the credit report which shows that this was closed in XX/XX/XXXXand charged off and was NO where near this amount owed!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.