davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc. (MN)

I would Like to File a complain On ADVANTAGE COLLECTIONS AGENCY. On XXXX I sent In a certified letter to this company asking for debt validation This company have failed to attempt to respond. Per the FCRA & the FDCPA I have every right to ask for Proof that this debt they claim belongs to me. It's been 30 days I have not heard back from this company therefore I'm entitled to take XXXX action on this matter. If this company has Place this on any of the Major credit reporting agency I asked that this be deleted XXXX. 
XX/XX/2018 ORIGINAL LETTER SENT VIA CERTIFIED MAIL Dear Sir/Madame : I am writing to request additional information pertaining to your recent correspondence XX/XX/18. Please be advised that I am not refusing to take care of the account obligation, but as per the Fair Debt Collection Practices Act I am requesting a validation on the balance owed on the account. 
At this time, I am not requesting a verification of my current mailing address, I am seeking information about the obligation I have to the claims being made concerning an outstanding debt. I would like a written confirmation of the following information : The amount you claim is owed The detailed calculation of the balance you say is owned Copies of the signed agreements showing this account is my obligation Copies of judgments if applicable to the account Proof of the time/statute of limitations pertaining to this debt Proof of your companies licensing to collect debts in my state, as well as licensing numbers and your Registered Agent Any credit Application with my signed signature
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (CA)

15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. 


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 2018-02-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MO)

My husband became ill in XXXX and we subsequently obtained a home equity loan in order to help pay some of his medical bills. We were able to continue making payments without compromising our other bills until he passed away on XX/XX/XXXX. I have been trying to sell the home ; however, I have not been able to secure a contract for its sale and I am struggling to make the payments now that I no longer have my husband 's income. I have tried numerous times to contact ditech at the number provided on its statement ( XXXX XXXX, but only wind up being placed on hold for hours on end only to either become disconnected or remain on hold for eternity. I'm at my wits end at this point and don't know what to do ; however, I will not be able to make any more payments on this loan. I really need to speak to someone at ditech to either modify this payment or assist in someway. I will also be mailing a letter of hardship to this company, but I wanted to try to reach out to someone first. 

My phone number is XXXX or you may reach my realtor at XXXX. You may contact either number anytime. 

The company that has this loan is as follows : ditech, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I previously had an American Express XXXX XXXX credit card. I cancelled that card. American Express then offered me a sign up bonus for their new XXXX XXXX XXXX. I paid {$75.00} dollars XXXX annual fee ) to get this new card. The new card has a different name, different features, a new sign up fee, and also looks different ( XXXX, etc ). On the cards terms and conditions It states that the sign up bonus is not available to applicants who have had this product. XXXX is not giving me the sign up bonus for the XXXX card because they incorrectly claim that the XXXX card and the XXXX card are the same product. For the reasons stated above they are not the same product and American Express should give me my sign up bonus or refund the {$75.00} I paid for the new card.
Consumer complaint received 2020-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (AZ)

Bmo closed my account Nd i had XXXX available in my account from a mobile deposit. Ive already complained to the fraud department but XXXX XXXX, XXXX XXXX XXXX are discriminating against me and came to a conclusion on their own. The checks were not returned they cleared and yet i dont have my XXXX that i workef hard for. Because of the incompetence they showed and lack of concern for its customers im facing eviction now and my car is already repossessed. This happened XX/XX/XXXX. And i recieved a letter stating i was to be given a cashiers check fkr my funds but again the bullies of bmo threatened me and my XXXX  girlfriend.
Consumer complaint received 2018-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX a person transferred {$1000.00} into my chase checking account via Chase XXXX. On XX/XX/XXXX my account was frozen due to it being reported as a fraudulent transaction. I was never contacted by the fraud department about the account being frozen, I always had to contact them. Their answers were always vague. I submitted all documents I could supporting my side of the situation. XX/XX/XXXX the fraud department removed the funds from my account. I received two letters, one stating it was an ATM issue and second stating it was due to an unpaid check. Both letters do not correspond to what actually happened. I contacted the fraud department to get a letter actually stating what happened and they said they couldn't because they can only send out computer generated letters. I asked if they could write me one and they said they can only send out computer generated letters that I already received.
Consumer complaint received 2018-02-18
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: AMERICAN EXPRESS COMPANY (CO)

I have had extreme difficulties in dealing with AmEx previously that were successfully resolved through the cfpb in XX/XX/XXXX. I was very happy with those results and felt that the outcome was very fair. However, when I had my credit score rechecked, AmEx now has deleteriously attributed a late payment from my husbands account to me. AmEx clearly states in their cardmember agreement that the primary card holder is the guarantor on the account and that any cards issued to other individuals are using those cards at the risk to the credit of the cardmember. I did have a card issued to me under his account back in XXXX although my card expired in XXXX. The payments in question are in XXXX. These charges and delinquency should never have been attributed to me and they have damaged my credit score to the point that we are unable to qualify for a mortgage.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$8300.00}
Consumer complaint received 2021-09-04
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. (TX)

The following information needs to be investigated I respectfully request to be provided proof of this alleged items, the contract note or other instrument bearing my signiture. failing that the item must be deleted from the report as soon as possible i did not authorize anyone to use my name or personal information to obtain funds credit loans goods or services or any other purpose as described in my complaint.
Consumer complaint received 2019-08-28
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. (GA)

Equifax continues to have two separate credit reports under my information. It is extremely frustrating and I have attempted to have this resolved four times in the last eight months. This needs to be resolved by Equifax. Half of my accounts show up on one report, the others show up on another. When I get my report from Equifax, Im giving a report, that shows some of my information. When a creditor pulls my credit, they get the other one. Why cant this problem just be resolved?
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

YOUR TIME TO RESPOND IS UP!!! I gave Wells Fargo Dealer Services 14 days to respond with the documents I requested for the second time on XX/XX/XXXX ( I sent the original Cease and Desist Notice on XX/XX/XXXX ). It is now XX/XX/XXXX and I still have not received the documents I requested ; which by law, The Freedom of Information Act gives me the right to request such documents. These violations are very damaging to me the consumer. Not only did you fail to address my very specific legal requests on time ( twice ), and are in clear violation of the FDCPA, you also violated my Cease and Desist Notice I sent to your company : the notice clearly stated ; " Any further communication with the Consumer must be in writing, delivered via mail. '' I was called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX, and a woman by the name of XXXX left 2 voicemails, which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 you are also in violation. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Wells Fargo Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. 
I am seeking remedy under 15 USC 1692k and 15 USC 1681n for damages sustained by me the the consumer. I'm requesting {$50000.00} IN A CHECK for all the violations that occurred.

I also Demand that you return all of my monthly installment payment funds according to 15 USC 1692h back to me IN A CHECK.

Wells Fargo 's continues with willful non-compliance which has damaged my reputation and continues to violate my consumer rights. This notice is an attempt to correct your records before I am forced to take legal action, and any information received from you will be collected as more evidence should any further action be necessary. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

-- Very Respectfully, XXXX XXXX
Consumer complaint received 2022-05-01
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)

In accordance with the fair credit reporting act. XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1000.00} XXXX {$0.00} XXXX XXXX {$370.00} XXXX {$0.00} XXXX XXXX {$860.00} XXXX {$1300.00} XXXX XXXX {$11000.00} XXXX {$230.00} XXXX XXXX {$12000.00} XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXXXXXX {$560.00} XXXX  XXXX {$630.00} XXXX XXXXXXXX {$330.00}
Consumer complaint received 2018-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (AR)

Dear Sir, Iam filing this complaint as my INSURANCE CLAIM was rejected by EQUIFAX XXXX   insurance! I had the {$1.00} XXXX Insurance in regards to the Identity theft insurance with XXXX provided by Equifax as our Data was breached! We had XXXX Bitcoins stolen from our Digital Account XXXX and we havent received the REFUND from XXXX and hence reached out to the insurance XXXX being handled by XXXX XXXX and after going through the insurance policy, filed a claim with TRUSTEDID through XXXX along with the documents 1 ) Proof of Bitcoins being transferred from our accounts to anonymous address 2 ) Police Complaint 3 ) FBI Report 4 ) Email proof of rejection of REFUND from the Digital account [ Our Digital Account website where Bitcoins were staying ] 5 ) Email proof of filing complaint with The XXXX [ Our Digital Account website where Bitcoins were staying ] 6 ) Also attatching the CLAIM BENEFITS! 

And the insurance clearly stated that we are eligible for the CASH Recovery if there is a XXXX, THEFT, UNAUTHORIZED TRANSACTION FROM YOUR ACCOUNT.But I was rejected saying that my account is not a FINANCIAL account, the main reason for carrying this insurance was to retrieve any stolen, fraudulent and unauthorized transactions of your financial assets from your account. 

I would like to get this to your notice that main reason EQUIFAX provided this insurance was to save customers financial assets from XXXX, THEFT or UNAUTHORIZED ACTIVITIES which happened in my case. 

My total stolen amount was {$12000.00} which was XXXX BITCOINS and would like to request to REFUND either of those as per the insurance claim.I would like to get this to EQUIFAX, TXXXX as well as XXXX! 

Appreciate your help in this case!
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been victim of fraud someone open a XXXX card account in my name and its reporting negatively on my credit report. The other bureaus has fully complied and removed the account accordingly. TransUnion and XXXX has yet to provide me with any signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send bill and say its mine. Which is unfair. According to the FCRA, TransUnion and XXXX has violated my rights as a consumer and Im requesting legal action to this account immediately.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2018-02-18
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. (NC)

XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at XXXX XXXX for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

My credit card was used by someone to make 4 unauthorized cash advances in a city about XXXX miles from where I live. The transactions were made XX/XX/XXXX ( 2 transactions ) and XX/XX/XXXX ( 2 transactions ). I called the credit card company on XX/XX/XXXX to report the fraudulent cash advances. They cancelled the fraudulent card and reissued a new card. I was told they would investigate. They were not charging interest so I thought they were investigating the claim. By XX/XX/XXXX, I had not heard anything and I called the company back on XX/XX/XXXX. They did not have any update on the investigation and I had to explain the entire story again. This time they gave me a reference number and told me they would investigate and I would hear something within 1-2 billing cycles. To date, I have not heard from the company and they are charging interest on the cash advances.
Consumer complaint received 2018-02-18
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. (NY)

1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

PLEASE READ THE REQUEST BELOW! I HAVE ASKED FOR THIS PREVIOUSLY AND KEEP GETTING INACCURATE INFORMATION AND NOT WHAT I HAVE REQUESTED.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This provision emphasizes the duty to provide accurate and complete information and requires furnishers to correct any inaccuracies promptly.

Given the importance of accurate reporting under the FCRA, I believe obtaining the Form 1099-C will assist in ensuring the proper representation of this account on my credit file.

Upon reviewing my records and credit report, I have reason to believe that this debt has been canceled and may have been memorialized with a Form 1099-C. As a result, this debt should not impact my credit report, and there should be no outstanding balance associated with this account. In order to address and rectify any inaccuracies in reporting, I kindly request that you provide me with a copy of the Form 1099-C associated with this account.