davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (MO)

XX/XX/2021 I mailed letters to XXXX XXXX, and XXXX. Also, the collection companies XXXX XXXX XXXX, XXXX, and Account Resolution Corporation for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response for none of the collection accounts and its been over 30 plus days.
Consumer complaint received 2021-06-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2021 I sent a letter ( here attached marked as Exhibit A ) requesting physical verification of the Wells Fargo Auto account on my credit file. According to FCRA Section 609 ( a ) ( 1 ) ( A ) they are required by law to verify through physical verification of the original signed certified consumer contract. I demanded to see the verifiable validated proof of the original consumer contract with a wet-ink signature on it. 
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On XX/XX/2021 I received a copy of a contract from Wells Fargo. ( Exhibit B ) Copies of copies are not validation and by law are not considered proof! 
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Under the FCRA unverified invalid accounts must be removed! Section 611 ( 5 ) ( A ) ( 1 ) of any information disputed by a consumer, an item of the information can not be verified the consumer reporting agency shall promptly delete that item of information from the consumer 's file. 
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Wells Fargo failed to provide me with a verifiable validated proof within 30 calendar days. The law is very clear to the Civil liability and the remedy available to me for the negligent noncompliance ( Section 617 ) for the failure to comply with this Federal Law. 
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In addition to this, pursuant to 15 U.S. 1692g and 15 U.S. 1691 ( e ) ( f ) ( Exhibit C ) I am the original creditor so therefore Wells Fargo can not validate the credit that I originally extended to them. So this copy of a contract is not validation. Only the original, not the holder can validate this debt. They failed to prove that this debt belongs to me. So this constitutes as a no response within the 30 days requested. 
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The unverified Wells Fargo Auto account should be removed from my credit files with XXXX, XXXX, XXXX  and XXXX immediately.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. Numerous bank accounts have been opened using my name and personal Information as a result of fraud. Banks affected were as follows Chase Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
I am not responsible for any charges made to these mentioned accounts. 



According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am having issues getting my accurate information to reflect on my report. I have a XXXX XXXX, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX XXXX is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

4 years ago, XX/XX/XXXX, I terminated my XXXX account. They had told me as long as I return the phone, it will terminate my contract with no fees. I went into the XXXX store and returned my phone. I asked the representative if I owed anything at all, several times, to which they said no and provided me a receipt saying that I owed {$0.00} to XXXX. I thought I was all clear. 1 year later, XX/XX/XXXX, I applied for a loan on a car and XXXX showed up on my credit report saying I owed {$680.00}. At the time, I luckily still had the receipt. I went into the store and provided the receipt. The representative said that they would take care of it, I did not owe anything to XXXX and they would send a letter to IC Systems saying that I did not owe anything. Again, I thought I was clear. 3 years later, XX/XX/XXXX, I am applying to buy a house and again XXXX shows up on my credit report with the same charge of {$680.00}. I immediately call XXXX, I speak with a supervisor named XXXX. XXXX says that I do not owe anything to XXXX and it is just though the debt collector IC Systems. He said that he sent a note to IC Systems that I am clear of all balances to XXXX and do not owe anything and I could call IC Systems right away. I got part of this conversation with XXXX recorded because when I asked for a receipt of this, he refused. Upon calling IC Systems, I find nothing was sent to them clearing my balance and I ask for a receipt and they also refuse on their end. I try to call XXXX back and can not get a hold of XXXX and get hung up on not once but several times. Finally I manage to get a hold of a supervisor, who was absolutely rude and says that the balance above is from terminating my contract early ( first time hearing this 4 years later ). I looked it up online and it says that for XXXX in some cases there is a early termination fee, of $ XXXXmonth with a max of {$350.00} and {$100.00} for the phone making the {$680.00} not possible. Upon asking, they have never been able to fully explain the charges just the overall number. However, I was told for the past 4 years that I did not owe anything and had {$0.00} balance anytime I spoke with a representative. Nobody has even tried to contact me for the balance in the last 4 years, I only found out through my credit reports. Please resolve this as XXXX and IC Systems has ruined my credit for a reason I am not responsible for and for the past 4 years.
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follow
Consumer complaint received 2020-01-24
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. (CA)

I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

I have a online account with MoneyGram to send money. Something happened on my account and MoneyGram close my account without give me right to appeals his decision. And tell me I cant use his online service anymore. 
I want to fix this issues and MoneyGram can allow me to use his online services.
Consumer complaint received 2018-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

On XX/XX/2017 at XXXX XXXX, I gave Coinbase {$350.00} for one Etherium, a cryptocurrency. Apparently the expiration date on my credit card was incorrect, and I was not charged the total amount. Their service stated I still owed a {$47.00} fee. What followed over the next 8 months was a saga of me trying desperately to pay this stupid fee with every way I could ... Credit, debit, ACH, friends transferring crypto. I had several support tickets, and followed every instruction. Nothing worked. For a few months, their website said that I " still owed a fee of {$0.00} '', which was especially frustrating. A few weeks ago, I was finally able to successfully pay the fee and use the service again. However, they still haven't returned my 1 ETH, valued today at XXXX {$800.00}. Please help! They took my money and are not giving me the asset I paid for! 

My current support ticket with them is # XXXX, which I opened several weeks ago. They have not replied to my multiple requests for help.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist ( XXXX Suntrust ) calculated our escrow account incorrectly by including an incorrect insurance payment that they never made for {$4700.00}. It increased our mortgage payment by {$270.00} per month. I called them in XXXX and a customer service rep was actually helpful and figured out the error behind the scenes without me having to deal with numerous people. She said that a new analysis would be done and sent to us with a corrected monthly payment by XX/XX/XXXX. Since we did not receive anything via mail or email, I called today and was told that the request for a new escrow analysis was closed with no action ( and no communication ). I was told that the request was input again today and would be ready in XXXX business days by XXXX representative in the insurance dept and 4 days by another representative from the customer service dept. Our XXXX payment included the extra amount to avoid the nightmare of dealing with them for an underpayment. Now our XXXX payment is due. Please ensure that Truist follows through with the new escrow analysis. Thank you.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MA)

On XXXX XX/XX/2021 I made an international money transfer of precisely USD XXXX using the XXXX ( formerly Transferwise ) service. The receipt can be found attached, the # is XXXX ). Until today the amount was not credited in my account in XXXX. XXXX local partner requested a mountain of documentation without justification. How so? 

As is laid out on XXXX FAQs once a remittance amount supersedes USD XXXX these documents are required by lhe local ( XXXX ) XXXX XXXX and in accordance to international XXXX standards : XXXX XXXX XXXX? origin=search-XXXX XXXX : XXXX? origin=search-XXXX Clearly, this criterium was not met in this case, the amount did not supersede USD XXXX as per receipt attached. 

Verifying the FAQs of XXXX partner bank in XXXX the requirements for documentation are specified in more detail ( please find the full document attached ) : I did my transaction with International partners ; why should I send my documents to XXXX XXXX? 
Answer : XXXX XXXX acts as an international correspondent that provides payments, and is obliged by the XXXX XXXX XXXX XXXX to keep the registration documents and the origin of the funds according to their use. 
If the total amount operated in the last 12 months exceeds R {$100000.00}, XXXX XXXX will ask for : Identification document, CPF, proof of address, forms of XXXX XXXX XXXX registration form and power of attorney ) and documents to prove the origin of the funds. 

What is the reason for signing a Power of Attorney for XXXX XXXX? 
Answer : According to XXXX XXXX Circular 3,691, any transaction above US {$10000.00} requires a signature on an exchange contract. 
In order to improve the customer experience, we have made available the specific Power of Attorney to XXXX XXXX, allowing us to sign on your behalf when you have contracted the operation. Bear in mind mentioning that this Power of Attorney is only valid for abroad incoming remittances, sent by XXXX XXXX 's partner financial institutions. 

Again, neither one of these criteria was triggered in my case.

When speaking to the XXXX Customer Support team on the issue they simply refuted these criteria as well as the information provided on their own site and responded that the XXXX partner bank could request any documentation, at any time for whatever reason. This statement is not backed by above instructions of the XXXX XXXX XXXX They also cancelled the transaction without authorisation. 

As the XXXX XXXX XXXX now confirmed the amount XXXX passed on to them was the equivalent of USD XXXX therefore triggering the request for said documentation. This is obviously inconsistent with the operation I executed.
Consumer complaint received 2020-01-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Liberal Finance Service (NJ)

Today I received a letter in the mail from a company I never heard of and was not on my credit file threatening to sue me. I have no idea what this company is, the services they provide, how much they claim I owe and if anything what services I was provided. I need to be provided with an original contract with my signature, social and copy of identification. What dates I was supposed to have acquired their services and on what grounds am I to be sued. As per section 609 and 611 of the Fair Credit reporting act I am within my rights to request from them 100 % proof not copies of any bill as to what this account is for and it's mine.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L. (FL)

I have already filed an initial complaint on the debt company XXXX XXXX. That one is still being worked out. This complaint is on the law firm they are using O & L law group. I was contacted out of nowhere about threats of a lawsuit about a debt. There was no confirmation of the debt. No payment arrangement or anything. Just straight to the lawsuit.I am the victim of identity theft and I had multiple fake accounts opened. If this debt is legit it could be one of those. But there is no way to confirm. This law firm is known for shady tactics. Do a XXXX search on them and you will see a XXXX star review for this law firm. They are known for threats, shady tactics, and basically stealing your money for a debt that is minimal, maybe old, or may not even be yours. This firm needs to stop.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

PROCOLLECT INC KEEPS SENDING ME NOTICES ABOUT SOME COLLECTION ACCOUNT. A PREVIOUS COLLECTION ACCOUNT WITH THEM HAS BEEN SETTLED AND PAID. IN RESPONSE TO THE NOTICES I AM GETTING, I MAILED A FORMAL DEBT VALIDATION REQUEST TO PROCOLLECT OVER 60 DAYS AGO WITH NO RESPONSE. I AM REQUESTING AN ITEMIZATION OF THE COLLECTION ACCOUNT IN WHICH THEY SAY I OWE. PLEASE MAIL ME ALL DOCUMENTS OR DELETE THE ACCOUNT FROM MY CREDIT REPORTING ASAP. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION REQUEST I MAILED. THANK YOU.
Consumer complaint received 2019-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (GA)

In XX/XX/XXXX I applied for a loan modification, during that time my contact person changed several times. Each new person would ask for the same inform that was previously sent. XX/XX/XXXX our home was damaged from a tornado so I called again requesting assistance with a loan modification. Once again I was told to sent in documents ; all of the needed documents were sent in. I once again could not get anyone on the phone because my contact person no longer is in that department. XX/XX/XXXX I spoke with a supervisor who stated he would make sure my information get to the under writing department. All documents were submitted. XX/XX/XXXX I was informed the modification was denied because they could not verify my income, but they have bank statements as well as pay stubs. The person could not tell me what the issue was because all documents have been received and he stated I needed to file an appeal.if I wanted more information on the denial. It is unfair to give me the run around for 3 years to deny the application based on a bogus reason.
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

This is a f/u concerning the net credits changing on our loan terms for 52 months at a daily interest rate of about {$4.00} to 32 months increasing the rate to {$5.00} per day. I reviewed my contract and it does not state that the company has the right or permission to change the term of the loans. The loan upon the {$1500.00} payment should have remained and decreased in monthly amount. I recently sent in a {$1000.00} payment on the XX/XX/XXXX and prior to making the payment I spoke with customer service that stated that " decreasing the term to 32 months was better for me '' and she could not conceive that I am being charged at an unauthorized accelerated ( added ) rate of {$1.00} possibly higher since the payment of {$1000.00}. FYI the payment was scheduled onXX/XX/XXXX when I made the {$1500.00} payment ( see payment schedule )
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-06-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (NY)

I had went out on XXXX on XX/XX/2019, I have insurance on the lon so they have been paying my monthly amount as I was told they didnt pay the XXXX bill and Im not sure why but every month its growing on my credit report Im late or missed and I did not I believe this is affecting my score
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (UT)

About mid-XXXX a door to door salesman came and offered bug-spraying services for out home. He said he would get us a great rate at {$10.00} for the first service and {$25.00} per service for the rest of the year. We agreed and got a charge for {$10.00} to start on XX/XX/2018. Then, a month later on XX/XX/2018 I got a charge for {$89.00}. Since this was well over the {$25.00} promised amount, I immediately disputed the amount above {$25.00} with my credit card company. That dispute was lost and I had to pay, so we refused further payments and services. Now we are getting a bill for {$200.00} which seems exorbitant to me, and very different from the product we purchased. We had 3 total services, so our total paid should have been {$10.00} + {$25.00} + {$25.00} for a total of {$60.00}. I'm not sure where the {$200.00} bill came from, as per our understanding we have paid over the agreed amount already for services received.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC XXXX )
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: South Carolina State Housing Finance and Development Authority (SC)

On XX/XX/XXXX, I did an application with my mortgage company, South Carolina State Housing Finance and Development Authority for an COVID-19 Mortgage Assistance Application. In may application I explained what was occurring at the time, but the gentlemen in charge of the process told me I did not need to explain my situation. I was approved for six months of forbearance. In XX/XX/XXXX I received a phone call from someone, an women in a high position from the mortgage company asking why I applied for the COVID -19 Mortgage Assistance when I was on a fixed income. I explained to them the same situation I put on my application, but I was informed as outlined and told, you did not need to explain if your loan was being held by a specific corporation. The lady that called me was rude and made me fell like my income and XXXX was going to be a problem with my mortgage. I received a letter on XX/XX/XXXX that my loan was being transferred back to my original mortgage lender due to something being written wrong in the underwriting. After calling and speaking to someone in charge she said my debt to income did't meet requirements to be in the program. I explained to her I had no debt on my credit report, before the loan or now and I owed no one anything. I had a conversation through text with my original Mortgage Corporation that my student loans was forgiven prior to finalizing the loan. Documentation was included. She could not effectively tell me why my loan was sent back due to the lack of investigating before giving my loan back to the originator. I am disappointed and I feel like I am targeted due my XXXX, fixed income, and for me asking for the COVID-19 Mortgage Assistance. This is not fair for anyone. She explained to me with an FHA loan nothing changes, but I explained to her its not the same. I told her I did my research and I told her the percentage of loans normally stay with State Housing throughout the term of the loan. I then asked her how many loans went back to the mortgage originator during this covid period and she said several, I then repeated so seven went back. She said again several and I explained several. After not getting my concern across to her, because I felt like I was targeted due to the call I received in XXXX among the fixed income and XXXX, I told her thank you for accepting my loan and ended the call.