davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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. (FL)

the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXstal Inspection Service for other  possible violations of the law.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and  notarized to XXXX, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and  XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to Midland Credit Management. Midland Credit Management responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they  validate the debt and a billing statement. Midland Credit Management continued to report this Unverified Account.

Midland Credit Management, XXXX, XXXX and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation.

XXXX, XXXX  and XXXX has NOT provided me with who verified these accounts?
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 

XXXX, XXXX and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

I am attempting to XXXX but the new company can't pay both the loan XXXX AND the unpaid balance deferred due to covid forbearance .... My current loan holder ( Wells Fargo ) will not allow me to pay off just the unpaid balance ( {$1900.00} ) as they say XXXX XXXX will not allow that to be paid until the FULL LOAN XXXX is paid first! 

I have a case with XXXX XXXX as they have said WF is giving false information ( XXXX  case number XXXX ) and will receive a call from the XXXX  Exec Office in 1-2 business days. 

I am re financing to get aware from WF as they have been nothing but unethical and predatory if their loan handling practices from day ONE! Most disturbing was being sent letters starting a week after covid forbearance stating " It is now within our legal rights to enter your property and change the locks '' .... I have lost several weeks of sleep due to this and will do anything to get away from this immoral, unethical, and dishonest company!
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Someone used our login information to gain access to Wells Fargo online portal and initiate 2 wire transfers and 4 XXXX transfers within a 3-day period XXXX XX/XX/20 to XX/XX/20 XXXX, before we were able to " catch '' it. The 6 transactions in question were for a total combined amount of {$7000.00}. My wife and I opened a case with Wells Fargo Fraud department, who performed an initial analysis, and denied the case, because our credentials were used.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (CA)

On XX/XX/2022, my credit card was used at a XXXX  XXXX XXXX ATM to withdraw the entire balance of my credit card. This was shortly after I had paid my balance off in full. I had never lost my card, meaning that the card information had been compromised during a previous transaction. After my balance was cleared at this ATM, there were several failed transactions all for {$200.00} each. These transactions never showed on my statement and I had no idea about them until I found out that my balance was gone and called the company to report the fraud. The credit card company, First Progress, failed to alert me to the fraudulent activity or notify me that my balance was gone.

After waiting for weeks to resolve this, they reached a decision that they would not resolve this fraud and that I was responsible for paying back not only the balance, but all of the late fees and interest as well. I went for 2 months believe that my balance was paid in full, so I didn't realize that I was missing any payments. It wasn't until I went to make a small purchase and my card declined that I realized that anything had happened. 
First Progress is refusing to do any investigation into this and will not budge. My credit is being destroyed. Everything I have worked on for the past 4 years I being destroyed. I can not afford to pay what they are asking me to pay, nor should I have to.

They allowed someone to get my card info and withdraw my entire balance and didn't even notify me one time.

Also, this is a secured card. The balance is my security deposit. It makes no sense why I would do this on my own.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On my Transunion credit report, the XXXX XXXX credit card account is reporting XXXX, XXXX and XXXX of XXXX in the historical payment history as " unknown '' for each month. For the sane account their is no past balance information reported for any of the reported starting in XXXX of XXXX.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (CA)

-- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XXXX XXXX, XXXX XXXX XXXX  Subject : Questions on your recent Bill. : XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir, Reference : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX We sold the house on XX/XX/XXXX. 

I notified XXXX  XXXX even two weeks before we sold the house. 

The new homeowner also notified you to transfer the account in their name starting on XX/XX/XXXX. 

As you very well know, you have been automatically withdrawing my gas bills directly from my bank account at XXXX XXXX. 

We have moved out of Virginia. 

My account at XXXX XXXX has been open until XXXX, XXXX. 

You have been withdrawing money from my bank account even through XXXX, XXXX. 

I just received a notice from a collection agency, " Online Information services ", asking me to pay {$72.00}. 

This amount of {$73.00} includes, I assume, late payment charges, etc, well beyond the actual bill. 

I repeat : you have been withdrawing money from my bank account well beyond XXXX, XXXX, even upto XXXX, XXXX. 

Actually, you owe me a refund because you have been withdrawing money from my bank account well beyond the XX/XX/XXXX. 

You have been committing fraud. 

I have been paying my bill for the past 28 years to XXXX XXXX promptly, and on time, because, you had my bank account, and withdrawing the owed amount promptly. 

If you really believe that I owed any money to XXXX  XXXX, you did not even have the basic decency to write me a letter. 

I tried to call you on XX/XX/XXXX XXXX Monday XXXX on your telephone number : Customer Service and Billing : XXXX ( XXXX ) You put me on an indefinite hold. 

Hence this email. 

I do hope you will respond to my email promptly after checking my account. 

I repeat : We sold the house on XX/XX/XXXX. 

I had already notified you of this sale two weeks prior to the sale, asking you to cut off the gas service on XX/XX/XXXX. 

You continued to withdraw money well beyond XX/XX/XXXX. 

Promptly refund the extra money you owe me. 

Indeed you have been double dipping : Collecting money from the home buyer and from me, even until XX/XX/XXXX. 

I expect a prompt response. 

All you have to do is to hit the reply button. 

Best Regards, XXXX XXXX cc : 1. Consumer Financial Protection Bureau 2. Federal Trade Commission
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (WA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2020-10-20
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I printed a letter to Experian, XXXX  & XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were Experian. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from Experian and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, Experian states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & XXXX  its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.
Consumer complaint received 2017-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/XXXX at XXXX XXXX my daughter informed me that some one had come to the apartment unit ring the door bell pounding on the door and saying he was the XXXX County Sheriff and had papers for me, and on XX/XX/XXXX again this time much more aggressive this person I was told by my neighbors about XXXX XXXX everyone in the building door bell was ranged disrupting there life, I was told this person was literally banging on the door with a great amount of force, they thought it was some type of altercation or something this went on for serveral minutes disturbing the peace, one neighbor informed they had called managment to see what should be done. Also I was told by my neighbors this is not the first or second time they have come the this building with this inappropriate behavior banging on doors and ring others bells, I feel this is an form of harassment for a credit card debt of {$2400.00} I do n't even know what credit card it is, can you please please help me with this issue, I did go to the local XXXX county sheriff office, I was told it was not from there office, also I was told, whom ever it is posing like XXXX county sheriff deputy and flashing a gold badge dressed in all black clothing saying sheriff office they need to gain entry to the building, if this is not a criminal matter involving the real XXXX county sheriff office coming to my family home involving all the neighbors this is harassment.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NC)

Kia Finance formally Kia Motors Finance has charged me a check return fee that I should not have been responsible for as it was an error in their system. I submitted my regular car payment on XX/XX/2023 using the same checking account I have used with them for over six months. Matter of fact when I went to pay online the account and routing numbers were auto filled only showing the last four digits of the account number. Days went by and I noticed my payment had not came out of my account. I called my bank they said nothing had came through for the payment and I had nothing pending. I then Called Kia finance where I was advised my car payment was late and that they were trying to collect a debt. I said I made my car payment why did it not go through. The customer service rep advised that it was returned invalid account number???? How is the account number invalid when I didn't even have to type it in because its been preloaded the last several months. I was also advised of a {$25.00} fee for this. I was advised there was nothing the agent could do other than submit a customer complaint. I then asked for a supervisor in which I was told that there is not one available. That the only way I could speak to a supervisor was by doing a customer complaint and I was told I would receive a callback from a manager within 24 hours. It has been five days and I still have not heard anything from Kia Finance. How is this legal that they get to do this. Also to avoid getting a late fee added on I went ahead and paid the full amount due. Which in return I got a {$7.00} fee for making the payment over the phone. This needs to be addressed as I expect a refund of these fees as this was an error that was no fault of my own. This has to be on the company, There is an issue with their payment system which caused my car payment to not go through. On another note when a car payment is late with them they charge something called " daily interest fees '' which is added to the end of your loan. I can not find any information about it in my contract I signed with them but I am not usually late.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute and request the immediate correction of an error on my credit file maintained by Credit Bureaus. Upon reviewing my credit report, I discovered an inaccurately reported late-opened account, which has adversely impacted my credit standing. 

I request that you promptly investigate this matter and correct the misinformation on my credit report. It is imperative that the correct account opening, is reflected to accurately represent my credit history. 

Furthermore, I urge you to ensure that such errors do not recur in the future and to provide me with a written confirmation of the correction made to my credit file. 

Please acknowledge receipt of this dispute letter within [ specify a reasonable timeframe ] and provide updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$4300.00}.
Consumer complaint received 2020-05-03
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: AFNI INC. (FL)

XXXX refused to do proper investigation and providing validate verification for Afni collections account saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. This is a fraudulent account the incorrect social, date of birth & spelling of name was used to open. XXXX  confirmed this info to me and removed the account and the incorrect social from my profile immediately. XXXX  is claiming the AFNI file has been verified as mine. I have a fraud alert on my credit to avoid this happening again. Please AFNI removed from XXXX  report as I am looking to buy a home and it holding me back from taking advantage of the best rates.
Consumer complaint received 2017-08-06
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
Consumer complaint received 2024-02-18
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)

Inquiries on credit that doesnt belong to me And wrong name and address 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 2021-03-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (CA)

My banking accounts with CHASE Bank were compromised from a scammer. Resulting from 3 fraudulent atm transactions. The bank paid back the money owed to me to investigate. The bank representative that called told me that I made the purchases and they then took the money back out of my account resulting in a very huge negative debt. The scammer got ahold of my information, log in, my data was exposed to this thief. The scammer then said that they had a hold on all my accounts if i did not pay the debts that took out of my account. I called a branch manager right away to report the theft. The banker said i had a few months to pay the debt, that was never my debt. Someone stole from me and seized all my personal information. The bank closed my account and threw my account in collections. Now i have a huge debt to pay that i never made. I am asking for legal help or write a right to sue letter to the bank for my personal information being exposed in a security breach or i do not know what it is called. Point is, someone stole from me and got ahold of my information. I do not know how to go about this. I get repeated calls from Ohio area codes constantly harassing me for the debt for my CHASE bank account being stolen from me. What can I do? The phone number that keeps harassing me about the debt is XXXX They in one day called me more than 10+ times in one morning. I do not understand how to resolve this issue. And, i would like legal help and advice on what to do. What can I do to make this stop?
Consumer complaint received 2020-09-18
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: Bliksum, LLC (LA)

My previous company was issued a merchant cash advance by Loanme in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that Loanme is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from Loanme, and it clearly has no signature in the personal guarantee section. When disputed with Loanme, their response was that since it is allegedly an electronic signature, it won't show up on the contract.