davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

To : Consumer Financial Protection Bureau Consumer Finance Date : XXXX XX/XX/XXXX Re : FRAUDULENT ACCOUNT CLOSINGS I had XXXX accounts at WELLS FARGO fraudulently closed on XXXX XX/XX/XXXX. 

All jointly owned with an elderly friend and companion of XXXX-year plus relationship, 2a brokerage and a savingswere primarily held by me, having been set up in Fall XXXX, a year-plus before I met her. The other 2, a checking and savings, were hers in origin. The closings were initiated by a recently assigned conservator, XXXX XXXX XXXX of XXXX Minnesota, without my being consulted, and the proceeds from the closings, in the form of a Cashiers check, are untraceable, apparently. The friend can not have been part of the scheme, I am certain, by virtue of her mental state and the murky circumstances of the transactions. The varying primacy in holding, moreover, reverses the customary sense of joint ownership into an unequal partnership which should mandate the pre-eminence of the primary holder in critical transactions involving the accounts. That at least was my understanding from inception, and it would deter me from ever tampering with those 2 accounts of hers of which she granted me co-ownership, not to mention my absolute lack of material need for doing so.

Upon email notification of the closings, I promptly alerted the Bank to the fraud, in painstaking exposition. Perfunctory acknowledgment aside, there has been no substantial executive follow-up, despite my repeated dire summons and reminders in the intervening weeks, and I am beginning to suspect complicity between bank staff and client in the dirty transactions. Which has me appealing to your agency. I shudder at the specter of having a beloved, XXXX and XXXX XXXX XXXX-year old thrust into corrosive litigation ensuing from the fraud. I had hoped Wells Fargo would help to avert it. 

I will readily forward, upon request, background material in the guise of e-correspondence. Your grasp of the matter should be facilitated thereby, to say little of the economies in time and effort otherwise lost from a fresh piecemeal lowdown. 

The related Wells Fargo case number is : XXXX, and the Case Managers telephone number is : XXXX. From the last check-up with customer service ( XXXX XX/XX/XXXX XXXX the case had been placed in limbo as of XXXX XX/XX/XXXX pending re-assignment, this in utter disregard of the reiterated fact that I can not currently pay due bills because my active checking account, extremely lean in value, has long been linked to the closed savings one in a portfolio. I am appalled at the insensitivity. 

Thanks for your attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

On XX/XX/XXXX18 at XXXX XXXX XXXX XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to the debts, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debts that they claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ) XXXX XXXX XXXX XXXX, is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX XXXX XXXX   received a notarized affidavit requesting original documentation containing my signature regarding this  debt. Since XXXX XXXX XXXX XXXX has failed to provide the requested documentation, I  expect this debt to be removed from the all three of the major consumer reporting agencies immediately
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (PA)

I have disputed this account with NATIONAL CREDIT AUDIT CO many times and I have never heard from them! NATIONAL CREDIT AUDIT CO is flagrantly violating the FDCPA! I am entitled to documentation of debt, 30 days from the date of the request, or it is not properly validated. Since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The FDCPA and FCRA are quite clear, I am entitled to the same information that the credit bureaus are!
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Armcon Corp (CA)

In XX/XX/XXXX, I was notified that Mr. & Mrs. XXXX XXXX XXXXXXXX assigned their Judgement over to Coachella Valley Collection Service ( see attached Stipulation For Entry Of Judgement dated XX/XX/XXXX, Acknowledgement of Assignment of Judgement dated XX/XX/XXXX, Correspondences from Coachella Valley Collection Service dated XX/XX/XXXX and XX/XX/XXXX. 

A few weeks ago I came across an article that stated the 3 credit Bureau 's back in XXXX decided they would no longer report Judgements against individuals credit reports. I have provided XXXX, XXXX  and XXXX the same data and have open disputes showing the collection account as reported by Coachella Valley Collection Service is actually a Judgement and should not be reported against my credit reports. The first report decreased my FICO score which ruined my credit as I can not refinance my condo, get a personal loan or a credit card with a $ XXXX credit limit.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (WI)

Called to collect a debt that was not backed up with details on how I owed the debt. I have not seen any evidence that I owe this debt. When asked to send me a copy of the forms I signed, or treatment details to my address on file, I have yet to receive anything.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion began charging me $XXXX/mo after signing up for a basic credit freeze. We didn't discover this until we needed to unfreeze the account temporarily.At that point, Transunion could only refund the prior 90 days, so we fraudulently charged for two months of service
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (FL)

XXXX XXXX claims that I owe them another months cable bill after I cancelled my account. They have Credit Protection Association, LP attempting to collect the {$180.00}. I have already sent a request for additional information regarding the debt they incorrectly state that I owe. The letters were sent certified mail and 1 was delivered XXXX XXXX, 2018 and the other a few days later on XX/XX/XXXX. The date of their latest communication was XX/XX/XXXX. It is my understanding that they are not to contact me once I send them a request for additional information.
Consumer complaint received 2023-06-29
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: Lendmark Financial Services (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

A couple of years ago I had XXXX XXXX XXXX Cable TV and Internet When I moved back to Florida I called XXXX XXXX XXXX to cancel my subscription and ask about the last day of my service month. After being told I paid the account to date and XXXX XXXX XXXX sent me instructions as to where to take the equipment which in this case was to any XXXX  XXXX. Once I returned to Florida I took the equipment that a return was required to my local XXXX  XXXX. I have been receiving these collection notices for a few months now and have talked with a rep from this company IC Systems and told them I refuse to pay for a debt I should not owe! I did want I was suppose to do. I have dealt with XXXX XXXX XXXX in the past with my cell phone and I left them because they can't keep billing straight. This is another example of their incompetence. I want this removed and the collection efforts ceased!
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

14 days prior to closing the loan officer ( Bank of America ) stated they made a mistake and we needed to wipe all debts and come with an additional XXXX to closing. Had to liquidate all assets and loss all future investments in 401k. 

Bank of America made a mistake and was double dipping on tax and insurance on current mortgages.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

Yes I'm on XXXX going thru hardship with bills etc. Living paycheck too paycheck. Struggling too make this months payment. Hope I can get payment deffered right now. Always on time with payment.
Consumer complaint received 2020-11-30
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: TRUIST FINANCIAL CORPORATION (OH)

There is an inquiry on my XX/XX/XXXX credit report from SunTrust Bank XXXX as XXXX, dated XX/XX/2019. I DID NOT APPLY FOR A LOAN WITH THIS COMPANY. The company provided a response claiming that their company name is LightStream ( attached letter ). I've never heard of this company, have never contacted this company, never applied for a loan, and never gave consent to run a hard credit inquiry. Where is the original application? This company did not provide it to me in the last response. It appears this company obtained my information illegally from a third party and placed an inquiry on my credit report. I am just asking for the inquiry to be removed.
Consumer complaint received 2023-03-24
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (NY)

In XX/XX/2021, sent a dispute letter to XXXX, XXXX and XXXX to remove Hyundai Finance from credit reports according to 15 USC 1681B - Permissible purposes of consumer reports I did not give XXXX, XXXX and or XXXX written consent to report any information on my consumer reports. 
XXXX deleted this reporting and this was recorded and reported to me via XXXX XXXX on XX/XX/2021. 
This reporting is still taking place today on XXXX and XXXX, which is fraud. Hyundai Motor Finance has committed fraud and admitted by deleting information from XXXX. 

On XX/XX/2021 I sent correspondence via certified mail to Hyundai Motor Finance information them that I am the ORIGINAL CREDITOR and I do not owe any debt to them. 
I included the following : -Cease and Desist -Affidavit of Truth -Debt Validation Letter The certified mail receipt was signed by their agent named XXXX XXXX on XX/XX/2021. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance ( photo attached ) regarding information of the account # XXXX which details active account, dealership, VIN #, etc. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance with copy of Retail Installment Sale Contract with Finance charge information. The Finance charge was supposed to include insurance according to 15 USC 1605. Finance charge is the sum of all charges payable directly to the original creditor to whom sale was extended. 

Letter dated XX/XX/XXXX, received notice of cease of communication of verbal communication but they will continue to send mail. Outstanding balance in full and repossession of the vehicle is also noted in letter. 

Many violations according to 15 USC 1692 has been violated.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

I have recently discovered a collection entry on my credit file from your agency, of which I had not been previously informed. I strongly believe that this debt is inaccurate and under the terms of the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request validation of this debt. Therefore, I am requesting that you provide me with documentation supporting the validity of the debt within a reasonable timeframe. I am writing to vehemently dispute the alleged debt you are attempting to collect, referenced above. This letter serves as formal notice of my refusal to acknowledge any purported debt until you provide unequivocal validation of its existence and legitimacy, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. I never done business with your company or your client. I reuse to pay this debt. I have been in distress and constantly seeking assisting with this matter. I have attached documents for your record. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your persistent refusal to comply with this legal mandate forces me to escalate the matter and pursue legal action against your organization. Rest assured, I am fully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MA)

Since XXXX, our property has been refinanced three ( 3 ) times with various mortgage lenders with each lender certifying as part of the loan closing process that flood insurance was not required as the property was not located in a SFHA. 

Most recently, our property was refinanced with XXXX XXXX XXXX ( XXXX  ) and the loan closed on XX/XX/XXXX. The loan was then subsequently transferred to AmeriHome Mortgage for servicing on XX/XX/XXXX. As part of the loan closing process, XXXX certified XXXX flood certification # XXXX XXXX that the property was not in a SFHA and hence no flood insurance was required this certification was less than two months ago and is reflected in our closing documents. AmeriHome Mortgage cites Please see the information below in chronological order : - My property was refinanced and closed with no issues on XXXX with XXXX XXXX XXXX XXXX XXXX " XXXX '' ) - On XXXX, I received a " Notice of Service Transfer '' stating that the new servicer of the loan is AmeriHome Mortgage Company , LLC ( " AmeriHome '' ).

- On XXXX, I received a letter from AmeriHome requesting proof of flood insurance. 
- On XXXX, I received a notice from AmeriHome stating that flood insurance was required for the property since it was in a Special Flood Hazard Area ( " SFHA '' ) and that the notice was considered as an attempt to collect on a debt. 
- On XXXX, I responded to AmeriHome via certified letter that there was an error and that the property has not been in a SFHA since XXXX based on a new FEMA FIRM being issued and notification from my mortgage bank at the time, XXXX, that flood insurance was not required as the property was removed from the SFHA. 
- On XXXX, I received another letter from AmeriHome stating again that flood insurance was required without response to my certified letter. 

Bottom line, a mortgage loan was made to me in XX/XX/XXXX and as part of the closing process, certified that flood insurance was not required. Two weeks later, a new servicer states otherwise which is suspect and in my mind appears to be a money grab and violation of Federal law in that due diligence was / should have been conducted during the closing process prior to providing the loan and certainly, if this issue was outstanding, kicking it down to a new servicer
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX   Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX) XXXX-XXXX Made by: XXXX XXXX XXXX XXXX XXXXY, MD XXXX(XXXX) XXXX-XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX