davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Subject : Formal Complaint Regarding Unlawful Debt Collection, Violation of Computer Laws, Forgery, and Fraud To : Columbia Debt Recovery LLC, dba Genesis Address : XXXX XXXX XXXX, XXXX, WA XXXX To : XXXX XXXX XXXX Address : XXXX, CO Date : XXXX From : XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address the serious legal infractions pertaining to debt collection, computer regulations, forgery, and fraud perpetrated by Columbia Debt Recovery LLC , operating as Genesis, in collaboration with XXXX XXXX XXXX 

On XXXX, I received correspondence from Genesis ( XXXX. # XXXX ), falsely asserting an outstanding debt owed to XXXX XXXX XXXX. This deceptive claim, a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), was made with full awareness of its fabricated nature. 

This fraudulent assertion emanates from XXXX XXXX XXXX 's discriminatory actions against me, documented and reported to relevant authorities, presently under federal investigation for ADA violations. 

The collaboration between XXXX XXXX XXXX and Genesis to propagate forgery and fraud exhibits a blatant disregard for the law and an attempt to conceal their discriminatory practices. 

Moreover, evidence suggests that XXXXXXXX XXXX XXXX unlawfully disclosed my personal information to Genesis without consent, violating the Computer Fraud and Abuse Act ( CFAA ) ( 18 U.S.C. 1030 ), causing significant distress.

In light of these grave violations, I demand the following actions : 1. Cease and Desist ( FDCPA 1692c ) : Halt all debt collection attempts and cease communication regarding this matter.

2. Rescission of False Debt Claim : Provide a written retraction of the false debt claim, acknowledging its fabricated nature. 

This letter serves as formal notice of my intent to pursue legal action if necessary. 

I demand that you treat this matter with the utmost urgency and respect for my rights. Failure to comply with my demands will result in the initiation of legal proceedings, including federal civil lawsuits and criminal prosecution. 

Sincerely, XXXX XXXX XXXXXXXX
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have had a mortgage with bank of America since XXXX the pymt is due on the first but I have a 15 day grace period. However, about a week to 10 days before my grace period is up they charge an extra {$6.00} for me to make the payment on line. this was not in ther terms of my initial loan agreement and I do n't see how they can charge that since I 'm not past due. I would like all these fees I 've paid refunded to me and I 'd like to know how to inquire about a class action law suit.
Consumer complaint received 2015-07-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NV)

On XXXX/XXXX/2015 I received ACH transfer of {$7200.00} directly into my checking account XXXX into my Wells Fargo checking account. These were good funds. As of XXXX/XXXX/2015 these were my exclusive funds. No other issues with any aspect of said account. On XXXX/XXXX/2015, without any authorization from myself nor anyone in my behalf, notice, request, information, advance or post discussion or letter, call to me Wells Fargo debited my account with the same amount of {$7200.00} and claims to have returned to the original depositor. I have requested multiple times an explanation if such debit was for any specific valid legal reason, or court order, etc, but received no explanation from Well Fargo. Since these funds were exclusively mine after XXXX/XXXX/2015 no one else had the right the debit my account for such or any other sum.
Consumer complaint received 2015-08-08
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (SC)

I presented a check to be cashed at Wells Fargo as I have many times in the past. Some times I am asked to have one of the office personnel to " verify the check '', and other times the tellers refuse to honor the presentment, but will refuse to put the reason in writing. The reason they say ( of course no law supports this policy ) I must submit XXXX ( XXXX ) forms of ID because I am not a " customer ''. Well ... interesting concept there because, the items the banks allow are not even related to " identification '' whatsoever. And, the banks applicable policies on someone who is NOT a customer is an act of ultra vires at best. PERIOD. Such as a Drivers License, SSN, Birth Certificate, Bank Card etc. None of which are forms of ID. The mere act of being asked for another form of ID is in itself an accusation of fraud by my entering the bank and presenting the instrument simply because I 'm not a customer. In other words ... am I being accused of committing a crime by presenting a check and not being a customer? Law enforcement do n't even have that power to force someone to ID themselves if they are not being charged with a crime! So just WHO 'S authority is the BANK operating under? 

In essence, the banks demand something that does n't exist to honor an instrument issued by one of their own customers and the tellers are giving practicing law by legal advice at the window without a license to do so. The policy they are using, is no different than say if I had a church/company policy that says all " non Christians/employees '' will go to hell or be subject to paying my church for their non participation. 

Next step will be lawful actions for refusing to honor a legal instrument issued by one of their customers when presented at the window for exchange of federal reserve notes. All of which are a direct violation of their own Mission/Human rights Statement.
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (PA)

On XX/XX/2022, I reached out to experian to get this now closed account off my credit report they have failed to do so. This accounty was fraudulently opened and they closed & it said it will be removed this account has now been closed for months and it is still showing up on my account its saying a Litigation is pending.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc (IN)

When I signed up for the membership the manager gave me the option to sign up for 3 month, 6 month, or 12-month membership ( with different price rates ). I opted for a 12 month at {$38.00} a month. Given the time period for each membership option, I assured that the membership will be only active for that amount of time. I was not told that the membership will automatically renew itself every 12 months. They did not even show me the membership agreement and hence never walked me through the agreement. They kept charging me a monthly membership fee of {$38.00} plus {$30.00} every year. I then decided to close my bank account and soon they send me the notice for the unpaid balance. 
I contact the company via email to cancel the membership but they said I have to come to the gym location to cancel. Unfortunately, I am in the XXXX XXXX and can not get out of the house at this moment. The company then sent me a Final notice and threatened to transfer the case to the collection.
Consumer complaint received 2016-05-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (SC)

This was a debt that was mailed to an incorrect address. Once I found out about it, I immediately paid it in full. I asked that it be removed from my credit report due to not receiving the bill. I contacted the company but they only updated it to say it was paid. I should not be penalized for the bill being sent to the wrong address.
Consumer complaint received 2015-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Last year my Wells Fargo XXXX trust deed interest only loan term ended. The loan would need to be repaid with full principal and interest payments for the remaining 20 years. 
I called several times and inquired about options and to inquire as to my new payment. I spoke with different people every time and was given several different answers, I stopped calling. 
The loan payment changed and I have continued to successfully make the payment for most of last year. 
I was called recently by Wells as asked if I received a letter from Wells and about another change in loan term. I have not received any letter and I continue to receive my loan payment monthly. I was told my monthly payment was going to increase again. 
It is unfair and just plain wrong the lender can continue to change the terms of my loan as they please. Without regard, I fear the lender will be contacting me in the future again with another increase in payment.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX I called bank of america to verify some recent Activity as for I noticed a charge that got Declined on XX/XX/XXXX. I was speaking to the fraud department which was the correct department that I needed to reach to unlock the card account. During this 16 minute phone call the rep was successfully able to unlock the corporate credit account which was the umbrella acct for the two card accounts. The rep was able to successfully unlock the account because on XX/XX/XXXX I appeared in person at the branch with two forms of id. While I had XXXX ( the fraud representative ) on the phone i relayed to him that we just had two unsuccessful purchases at XXXX and because I had him on the phone he was able to unlock all three accounts and asked me to try the transactions again and we did and they were successful. On XX/XX/XXXX We attempt to make a purchase and were unsuccessful and the same thing happened. The card was locked and the system generated a notation that stated we needed to go into a branch with two forms of id. 

This is the third time the system has falsely detected fraud resulting in a false positive alert. I stated to the rep on XX/XX/XXXX that we are very frustrated with the amount of hours we have had to spend in a branch to resolve past errors caused by the bank and will not stay in the financial relationship anymore if it keeps happening. So as of XXXX XX/XX/XXXX all three accounts have been system flagged and blocked. Requirement to get unlocked would be to visit branch with two forms. At this point we will not be visiting another branch and there is plenty of evidence pointing to the branch causing the error. Forget the error no where in their terms and agreements does it state that false positives are something that happens nor do they provide the solutions to go about correcting the issue their systems incorrectly caused.
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

I received a notification from XXXX  on XX/XX/XXXX that an account has been flagged negatively on my credit report called Nationwide Recovery Sy. I have never heard of this company nor has this company sent me any information or reached out to me about this alleged debt but yet in still felt the need to report negatively on my credit.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

My name is XXXX XXXX XXXX I have an active Case number : XXXX, XXXX # XXXX. I am in need of immediate intervention. XXXX XXXX XXXX @ WELLS FARGO ( WF ) is not returning any of my messages and a TRUSTEE sale is scheduled for XX/XX/XXXX. I believe would be unlawful and deprives me my right protected by the XXXX Am.. [ XXXX ] or shall any person be deprived of life, liberty, or property, without due process of law. 14th Am.Sec. 1 [ N ] or shall any State deprive any person of life, liberty, or property, without due process of law. I can not afford a lawyer so my court filing process is slow and unsure. I Received a fraudulent response to my QWR rec. by WF on XX/XX/XXXX ( ex.a ) from XXXX XXXX XXXX XXXX @ WF ( ex, b ) on XX/XX/XXXX, clearly a violation of the 30 day required response pursuant to sec. 6 of the RESPA. The cover sheet document was back dated XX/XX/XXXX, clearly suspect, since it was mailed on XX/XX/XXXX 8 wks. after. WELLS FARGO ignored my QWR. Instead XXXX XXXX XXXX posed XXXX questions of his own ( 1. Who is the investor of the account? 2. Why are you calling us? 3. What are my options? ) all of which I never asked, falsely attributing said questions to my QWR. He also sent me copies of closing doc 's which I already have and did n't request for. I need proof they have proper standing and authority. Total disclosure, especially since WF has a vast documented history of fraud and criminal activity regarding mortgages. Reviewing the " NOTE '' XXXX, endorsed XX/XX/XXXX Specifically sec. XXXX. BORROWER 'S PROMISE TO PAY, it states " In return for a loan that I have received, " past tense " We received no such thing on or prior to XX/XX/XXXX. Evidence the purported lender failed to satisfy their obligation as to the specific terms and requirements spelled out in the purported AGREEMENT/CONTRACT/ NOTE/ DRAFT. The purported lender failed to perform their obligation to the terms stated. It is presumed, XXXX XXXX XXXX has been intentionally withholding vitally important information regarding the purported loan, WF 's claim to be the holder in due course and alleged TRUSTEE NATIONAL DEFAULT SPECIALISTS CORP.S authority to execute said TRUSTEE SALE, depriving me of my right to due process. For 10 month 's I have been asking for information, and have gotten nothing, from XXXX XXXX XXXX @ WELLS FARGO. NOT EVEN XXXX single phone call, that I 've requested for many times in speaking to other WF employees after getting XXXX XXXX XXXXvoicemail XXXX, extension XXXX I 've asked them many times, to record our conversation and send it to him so he can prepare himself for our conversation, I realize he may have a busy schedule and this would ensure efficient use of his time. He has had many opportunities to speak with me ( 10 months worth ). It appears he will avoid contact and elude his legal responsibilities until after WF steals my home. I am requesting intervention if at all possible to stop this TRUSTEE SAle. Thank you.
Consumer complaint received 2024-04-18
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. (TX)

I have notified Transunion, XXXX, and XXXX about a case of identity theft. There is an account and collection account that is in my name that is not mine. I have filed a identity theft report with the FTC and sent it to all three bureaus, but they refuse to remove this fraudulent information.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I paid this account, and when I did Credit Collection Services promised they would delete it from my credit. Their own online disclosure stated the account would be deleted. It is still on my credit as a {$0.00} collection account, which is not what CCS promised at all!
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

I XXXXXXXX XXXX XXXX I contacted wells fargo because I was at risk of having a 30 day late mortgage payment. I have never had a late payment and didn't want to have that on my record. I only need a few extra days, but they suggested that I enter into the process for a home mortgage modification. This is not what I originally asked for but it seemed like a good idea. They specifically stated that this would allow a pause on payments for approximately 2months and it would not report negative to credit. The process was long and arduous but we did get the home modification. However, they kept reporting the payments as late. As a result, I have two 180+ late payments on my record. This has cost me thousands of dollars in denied credit, increased rates, increased insurance rates etc ... As part of the lawsuit Wells Fargo has been sending out checks to people who have had their credit wrongly lowered. In some cases these checks have been {$10000.00}. I believe I absolutely qualify for this. I also need those payments taken off my report. 
Thank you,
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

An account was opened with the creditor on XX/XX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, XXXX XXXX XXXX has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MN)

I paid my XXXX statement balance XX/XX/2018, in the amount of {$4700.00}. My payment due date was XX/XX/XXXX. Terms state in part, " If you pay your account in full ... no interest is charged. '' Chase has conjured up something called, " residual interest, '' an attempt to justify this violation. It is not fair to the consumer and leaves open abuse of fair practice. Immediately, after I received my bill with the interest charge of {$35.00}, I called Chase customer service and was told they would not remove the interest charge despite the fact I paid my entire balance before the due date. Subsequently, I emailed Chase through my secure account in protest of the unfair charge and received the following reply : " You paid yourXX/XX/XXXX statement balance in full. However, the XXXX statement balance was not paid in full by the statement due date. To avoid interest charges, the statement balance needs to be paid in full by the due date. When the XXXX balance was not paid in full, the remaining account balance was carried over into the next billing cycle. This is referred to as residual interest charges. Residual interest charges are assessed on the purchase balance between the date the statement closed, and the date the payment in full was received. As a result, the residual interest charge of {$35.00} was assessed on the purchase balance on your account. Going forward, as long as you pay off your statement balance in full by the due date each month, you will not accrue any additional interest. I am unable to credit the interest charge. Thank you, XXXX XXXX Payment Research Specialist XXXX '' The aforementioned gobbly-gook is unfair to the consumer and results in a double interest charge. Sincerely, XXXX XXXX
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: World Acceptance Corporation (GA)

World Acceptance Corporation called my boss 's PERSONAL CELL PHONE trying to reach me. He asked them how they got his number, and the person replied that it was printed on my paycheck stub. ABSOLUTE LIE. We would never print ANY personal cellular numbers on our paystubs. They must have done some digging to find out who owns the company I work for. 

Meanwhile, I do n't receive calls to my personal phone number from them. I do get random " Unknown '' phone calls, but when I answer, there is never a response from the other end, so I 've started sending them to voicemail. No message is ever left. This is HARASSMENT.
Consumer complaint received 2022-02-13
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I filed a complaint thru CFBP online on XX/XX/XXXX. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT IDENTITY THEFT AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of which the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim.

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXXXXXX XXXX XXXX XXXX Fraud Department in California : XXXX  XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by XXXX  XXXX when I picked it up from the XXXX XXXX Police Station last month. 

Then, the FBI XXXX XXXX named XXXX XXXX XXXX XXXX told me on the phone that the FBI XXXX XXXX is now taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Today of XX/XX/XXXX, I received a mail from EQUIFAX about Identity Theft Report Request letter which it did not make sense to me at all based on my reported situation as a victim of financial crime which is currently taking very seriously by the FBI. STOP HARASSING ME WITH MAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX XXXX XXXX did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.