davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NY)

Pursuant to XXXX XXXX XXXX XXXX ( Regulation F ). XXXX Notice for validation of debts. I never received a validation notice with initial communication or within 5 days of initial communication. 

Pursuant to XXXX XXXX XXXX XXXX ( XXXX ) Wells Fargo is in violation The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. And XXXX XXXX XXXX ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Pursuant to XXXX XXXX XXXX Wells Fargo is criminally liable for willfully and knowingly not disclosing finance charge and unauthorized use of my credit card Pursuant to XXXX XXXX XXXX right of rescission Wells Fargo did not disclose or give written notice to consumer informing consumer of having an opportunity to rescind said consumer credit transaction. 

Pursuant to XXXX XXXX XXXX b ( XXXX ) - Right of rescission in a transaction subject to rescission, Since I have Never been notified of said right, I have XXXX  years to exercise that right a creditor shall deliver XXXX copies of the notice of the right to rescind to each consumer entitled to rescind the notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. 

( ii ) The consumer 's right to rescind the transaction. 

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 

according to XXXX XXXX XXXX ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor wells fargo has recived a prommisory note in which paid for this transaction. 

Pursuant to XXXX XXXX XXXX b ( XXXX ) I have Never received a proper notice of Form Appendix H and forms to take exercise my right to rescind. To satisfy the disclosure requirements of paragraph ( b ) ( XXXX ) of said section, the alleged creditor shall provide the appropriate model form in appendix H of said part or a substantially similar notice. 

Pursuant to XXXX XXXX XXXX No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves alleged loan was paid for when i provided signature and social which makes any commercial paper a security i also provided a promissory which paid for transaction XXXX XXXX XXXX Wells Fargo has received payments on this alleged debt and affiant has the right to direct Wells Fargo to return all payments
Consumer complaint received 2021-05-06
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. (NC)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc. (NY)

I told these bottom feeders to stop calling me and send the debt collection letter I wont talk on the phone but they keep calling now have them send the debt collection letter then have then return the account due that I am exempt from debt collection
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have disputed portfolio recovery accounts multiple times with XXXX. XXXX have failed many times to properly verify these accounts. Portfolio recovers keeps sending me a account statement saying this counts a verification. According to the law it does not count as verification. I can create a statement saying anyone owes me money. According to 609 Credit act they need to prove this account is mine. They havent gave me proper documentation to prove these accounts are mines.

XXXX has deleted all these accounts on my credit report.

XXXX  has deleted 2 out of the 3 so far I expect XXXX to delete all 3 off my reports.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NY)

The issue is with one simple transaction that I sought to dispute with an unresponsive online business who has repeatedly failed to process transactions as instructed and instead used ACH to process. In this case it was a small transaction. 

I complained through ALLY. Ally then called to verify my complaint. After some discussion they explained the policy of ALLY to shut down all ACH transactions. This was not agreeable to me. As a consumer, this process may be or become punitive in nature. 

The ALLY procedure, as it was explained, permanently shuts down ACH on ALL transactions. This would cause great damage to my reputation, financial ability, and credit score. 

I asked to not have the complaint and asked it be rescinded or reversed - I was told this is not possible. Again, damaging. 

This issue was with XXXX transaction with XXXX merchant. It is damaging to consumers to have such a policy. There is no ability to turn off disputed ACH items on ALLY.com - again potentially damaging. 

I want this repaired. If not I will bring my complaints to federal authorities. Its not that I want to spend time on this simple issue, it is that now ALLY has caused me great trouble and cost over a simple matter and potential damage to my finances. Consumers rely upon these transactions and it is improper to have a policy to resolve a simple matter that causes damage to consumers in the process.Consumers should have the ability to turn a specific complaint on or off on a specific transaction or specific business, or if they so choose on an entire account. Merely having a company wide policy to shut en entire account holders ability to avail themselves of ACH forever on their account is not only anti consumer but rises to punitive levels because this policy makes consumers unlikely to use complaints to protect themselves after they have suffered the effects of a complaint and its resultant costs ( fees, interest, credit score damage, reputation, etc.. ). 

I want ALLY Bank and XXXX XXXX XXXX, XXXX of ALLY Bank to repair this issue within XXXX hours.
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (PA)

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually
Consumer complaint received 2021-12-03
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. (PA)

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX Report # XXXX ; Equifax Confirmation # XXXX ; I am filing this complaint because Equifax, XXXX, & XXXX  have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Original Creditor : 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 XXXXXXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL) (FL)

I sent this company a dispute with valid proof to verify this amount alleged is entirely incorrect. They completely ignored my dispute of the amount and reported this to the credit bureaus. This is a medical debt due to an accident in which I had auto insurance and medical insurance as a federal employee. I explained to this terrible company that my insurance reduced this bill from {$970.00} to {$450.00} which would mean my auto insurance is only responsible to pay 80 % of that amount. However this physician never corrected the billing and took a check of {$750.00} from my auto insurance which is entirely fraudulent. The provider agreed to accept my federal insurance thus accepting the provided discount for being federally insured. On XX/XX/2020 I requested for the collection agency to provide me Details about XXXX XXXX in/out of network status as it pertains to XXXX XXXX. XXXX XXXX classified themselves as an IN-NETWORK provider as such by contract they agreed to a discounted rate for members of the XXXX XXXX federal plan. I need proof that on the date of service XXXX XXXX was considered out of network thus never agreed to any discounted rate. I have attached proof from my insurance provider showing XXXX XXXX in network status AND the agreed upon discount of the bill. If XXXX XXXX classified themselves as in network they are only entitled to the amount agreed upon with my medical insurance.
Consumer complaint received 2021-12-03
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: Experian Information Solutions Inc. (MD)

Submitted a dispute to experian to advise that an account from XXXX XXXX bank was included in bankruptcy, the account has been closed and the creditor is no longer reporting. Experian updated the account as being opened and never late, disputed the account again and experian updated the account has being opened and late XXXX  days. The bankruptcy was filed in XXXX of XXXX how can the account be updated to be late XXXX days in XXXX when it is just XX/XX/XXXX. Discharge is set for XX/XX/2021. XXXX has the account closed and is no longer allowed to report or try to collect a debt because of the bankruptcy stay.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

On XXXX XXXX my mortgage payment was increased by {$210.00} per month. I called Shellpoint and was tols they are demanding a cushion in my escrow.They are charging me this for the next 12 months. My usual large monthly escrow payment is enough to cover taxes and insurance. There is no reason for this. They will not respond to my 2 emails to let me take over paying my taxes. My mortgage was sold off to Shellpoint. I would never would have done bussiness with a company that is now putting me in a hardship and an unaffordable monthly payment. When calling they just repeat we want a cushion. Please help before I am in deep trouble.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Bureau of Credit Control Inc. (GA)

I was a rental at property XXXX XXXX XXXX XXXX XXXX LA. I was renting from XXXX XXXX XXXX, I became unemployed, and was struggling to pay rent. I contacted XXXX XXXX, which was my contact person with this company. 
I explained that I lost my job, and was unable to pay the rent. Instead of my living in the property until I was evicted, would they be willing to allow me out of the lease. She stated that she would contact the owner. 
She contacted me back stating if I forfeit my deposit and allow agents to show the property, while I was there for my last month which was XX/XX/XXXX, that the would let me out of the lease. I allowed agents to show the property, plus forfeit my deposit and left the house in immaculate condition. 
3 mos, a company listed as LBCC Louisiana Bureau of Credit appear on my credit report, XXXX  and XXXX stating I owe XXXX. I contacted XXXX, and explained the agreement, and was informed to contact XXXX XXXX XXXX, I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and spoke with XXXX, which stated that she would have XXXX, to call me as of today XX/XX/XXXX. I have not heard from anyone. I do not owe this company, I kept our agreement, and now they are trying to get money I do not owe. They also, stated that the house was in immaculate condition. I am not sure as to why this is being reported when our agreement was kept on my behalf. I am not even sure were they came up with the figure of XXXX, since I only had one month left of the lease and the rent was XXXX. No damage to the house.
Consumer complaint received 2018-02-27
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: Credit Corp Solutions Inc. (GA)

I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

My previous appeal for you so that you can offer me all the information as to the person you mention to along with the addresses and names of the person or persons asked has regretfully never been achieved. At this point, I am thinking about the lawsuit and also have started the entire process of speaking to legal " suggestion ''.
Consumer complaint received 2020-11-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial systems, XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account # XXXX Commonwealth Financial systems is reporting a dept that I have no knowledge of and that the listed original creditor can not verify after contacting. The listed date of first delinquency date XX/XX/XXXX to the listed Assigned date XX/XX/XXXX date Exceeds the 5 year Florida statue of limitations for collecting medical dept. this account was outside of the statue of limitations at the time of reporting please REMOVE THIS ACCOUNT. 
The listed account number does not match the account # provided on their notice. 
The listed balance does not match the balance listed on their notice. 
Commonwealth Financial systems did not provide me a notice and give me 30 days to respond prior to reporting. Their notice was provided XX/XX/XXXX nearly 3 Months after they listed the account on my credit report. The notice was provided after I disputed the information stating that I did not receive a notice. 
It is required by law that the information on my report be accurate PLEASE REMOVE THIS ACCOUNT! It is reporting inaccurate information and I have no knowledge of it. the listed original creditor can not validate it.
Consumer complaint received 2021-12-03
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: ACIMA CREDIT, LLC (NY)

This specific account is in fact stated as a charged-off account, you need to identify why exactly there is a balance indicating on the file whether it is a charge-off? The balance is truly wrong, make sure to change it to zero or eliminate the item totally. Make sure you also furnish documentation to substantiate all the charges and credits for this supposed account that led to the extremely high credit figure you have detailed on my file. My request to present these documents is usually a standard information inquiry based on my privileges granted within the fair credit billing act.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc. (CA)

XXXX XXXX is saying I owe {$840.00} for a magazine subscription. I was trying to win a {$100.00} gift card and one of the things offered was this magazine subscription. They said I had within 14 days to cancel. I did not receive any Bill or any information about this company until AFTER the 14 days were up. It came after the 14 day limit. Therefore I could not cancel within the 14 days because I did not have their phone number. After I got their Bill I called and told them to cancel. They refused saying I should have cancelled within the 14 days. I could NOT cancel because I did not have the phone number or the Bill. Now they have sent me a letter from the Interstate Recovery Service saying my debt is in collections. I looked online and the Interstate Recovery Service is a fraudulent company that has numerous bad reviews. I do not believe it is a real company. I called the number and a woman answered and said Hello? There was no automated voice and no numbers to type. She just said Hello? I said This is a scam. And she said How dare you talk to me that way? That cemented my belief that they are a scam company. When I got the Bill saying I had 14 days to cancel after the 14 day period I called and told them to cancel. The woman refused. So I changed all my credit card numbers. Now they say I'm in collections. I am filing a complaint against XXXX XXXX AND Interstate Recovery Service XXXX XXXX XXXX XXXX  XXXX, VA XXXX. Their phone number is XXXX XXXX XXXX. I refuse to pay {$840.00} to this scammer.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Chase Mortgage is reporting late notations in XXXXand they must be removed. I recently looked at my credit and noticed these late notations still reporting which I was very confused. My account has been in deferment due to Covid so I was reassured that no late notations would be reporting. When I had first noticed the late notations I called and told them that my account was in deferment and no lates should be reporting. The rep then told me they would be removing the late notations but they are still there. This must be fixed immediately.