davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

I spoke to an agent today XX/XX/21 from the collection agency EOS CCA and disputed this invalid debt. XXXX and EOS CCA are threatening my credit in the amount of {$13000.00} which legally I do not owe because the package ls did not contain my items that I paid for. I am responsible to pay for items that I order and I must receive the items which were XXXX  to be delivered however my packages had paper inside them. Legally I am not responsible to pay for an item I did not receive. I paid {$13000.00} for XXXX XXXX  and my XXXX  were not delivered so XXXX did an investigation and confirmed that the phones were lost and and no usages were done on the phone from my account. The items were never received and XXXX sent me a legal document ( s ) that came from them with my refund slips. This is my legal document that XXXX has agreed to refund me in the amount of {$13000.00} which I will attach in my complaint towards XXXX and EOS CCA. If I order an XXXX I expect to receive my ordered items which in this case I did not. XXXX  refunded me and issued my refunds after the investigation which proved I did not receive the items because the items were never activated or used under my account. The phones I ordered in the amount of {$13000.00} were for my business and the phones never reached me. There was NO USAGE on those devices from my XXXX account and XXXX did confirm there was no usage on those devices and they issued me full refunds for those devices. I have legal proof I am not responsible to pay for this debt that XXXX and EOS CCA is holding me responsible for. Please see my attached legal documents that I was given from the merchant. CFPB please investigate both companies XXXX and EOS CCA for harassing me and trying to collect invalid debt from me and they are threatening to put this invalid debt on my credit unrightfully. Thank you CFPB for allowing me to explain. Thank you.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WA)

RE : Wells Fargo 1st. Mortgage loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and EquityLine w/ FlexAbility : # XXXX XXXX XXXX XXXX XXXX XXXX Home located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX My husband XXXX XXXX XXXX died on XX/XX/XXXX. 

Wells Fargo held both our mortgages. There were two loans against the property. The first mortgage which was in both our names, and a second loan which was an equity line of credit in XXXX name only. 

XX/XX/XXXX I communicated XXXX death to Wells Fargo and started the process of removing his name from the mortgages via loan modification. During this process I asked if we had insurance on the mortgage against either of our deaths. I was told that there was no insurance. I requested that the loans be consolidated. I was told repeatedly that the equity line of credit account had been written off/forgiven and that I did not have to make any further payments. 

The first loan was modified. 

Subsequently, there has been a circus of mishandling the equity line of credit involving Wells Fargo lying to me constantly about whether the loan was written off or not. Eventually, the home was put into foreclosure. 

Now after three years I have been told there was insurance after all and that the equity line of credit has been paid off and the balance is XXXX  and the lien has been released. Hopefully that's true, but I haven't seen it in writing yet. 

OK now my complaint is that I was wrongly told there was no mortgage insurance and was put through XXXX and expenses I could not afford. Furthermore, I believe a the time of XXXXXXXX XXXX death, we had insurance against the first loan as well. Since Wells Fargo was negligent regarding insurance on the second equity line of credit, they were probably wrong about the first mortgage. 

Please conduct an investigation into the mishandling of my mortgages after the death of my husband, Please determine whether I had mortgage insurance at the time of XXXX death on both loans and whether the first mortgage should have been paid off by the insurance company prior to modification. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (GA)

When I checked my credit score I realized that I had a collection from Receivables Performance Management on XX/XX/XXXX. I did not know I was supposed to receive mail regarding the debt and a few months later on XX/XX/XXXX, I called the company and paid it over the phone. I did not receive any mail about the debt being paid off and the company refuses to send a letter to me with the confirmation so that I can move accordingly. I have bank statements proving that I paid and that they took the money out of my account.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Hello, I opened an account with Discover back in XXXX of XXXX. Several months later I was told that I needed to sign some paperwork. I called into the customer service center to let them know that I was out of the country working and would not be back for several months. They said that was fine and to just sign the paperwork when I got back. However before I returned home they canceled my account. I called in and they said that it was too late and that I could reapply if I wanted too. I decided it was not worth the effort. This was a secured card that I gave them {$500.00} to help rebuild credit. This was in XXXX of XXXX. I called in today to see when I would get my security deposit back. Please note that the account and charging privilege 's were canceled in XXXX. They informed me that it would take two 30 day billing cycles plus 7 business days. So, basically 67 days. This is ridiculous. How is that even possible. Not to mention they will be sending me a physical check and not putting it back in my account ( the way I had to make my security deposit ). I have never heard of such a thing. This is the way the treat people who are trying to do better in life. I need my money. How can it be legal to hold someone's money for that length of time????
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was called from a XXXX  Police Station Phone Number, saying my SSN was compromised and I have a warrant on my head. They asked for money to clear my name and such and asked me to transfer saying they have police waiting to arrest me if I don't. 

They didn't ask my SSN but they asked other informations and such. 

My bank is Chase and .. i regrettably wire transferred money XXXX to their XXXX XXXX account. 

I called the police number without accepting the call from them first when they asked me for more.
Consumer complaint received 2021-08-20
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 — Their investigation did not fix an error on your report
Company: U.S. Auto Sales Inc. (GA)

I have been disputing this company for years. This account is to old to be still on my report. XXXX will not honor my wishes and remove this negative impact from my report.
Consumer complaint received 2020-01-25
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. (VA)

XXXX, XXXX and Experian has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my XXXX  report
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (GA)

I have a checking/debit card account with XXXX XXXX XXXX. This week I noticed the two charges to my account were made, one for {$600.00}. and another for {$99.00} on XX/XX/2018. These charges were filed by a company called " XXXX '' .. I immediately reported this problem to XXXX XXXX XXXX Fraud Division. They said they would make inquiries and froze my account to any other charges that would be made. Now, being as my account has been frozen, my retirement checks and Social Security checks will go into my account but the funds will be frozen. I have no way to pay my mortgage and my bills! I called this company " XXXX '' and told them the confirmation # that was listed on their withdrawal. ( XXXX Transfer Conf # XXXX ) and I asked their agent where or to whom was this money transfered to. He told me he could not give me any information concerning these charges. This is wrong and is Fraud.. This company should be held responsible to tell me who asked them to charge my checking account.
Consumer complaint received 2021-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (CA)

I submitted a complaint previously but was the wrong ARS. I was able to track this one down. 

THey refuse to stop contacting me. I told them i was going to report them here and they called me about that. THey keep telling me to get an attorney, telling me they have my social security number. This company threatens with texts. I had to block them they wouldn't stop calling and I have blocked messages from them in my box still with the same threats. I've had enough. I
Consumer complaint received 2023-02-01
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. (MA)

The reporting agency XXXX, Equifax, XXXX continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC. (OH)

XXXX XXXX XXXX XXXX, and Ally Financial Inc., have conspired together to compel me to pay a debt that I do not owe and violate public law. As a consumer credit transaction took place and XXXX XXXX XXXX XXXX, accepted my original promissory note as payment which gave it cash value then they attempted to assign said promissory note to Ally Financial InXXXX, without giving me a full disclosure of their intentions. Also after a very detailed study and review of the monetary system and the federal reserve system, I realised that my original promissory note was the original source of value which gave the credit in said consumer credit transaction. Being so I the consumer in said transaction owed no further obligation to said parties. Due to the lack of a full disclosure I sent a notice of rescission of any security interest given to XXXX XXXX XXXX XXXX. Therefore, Ally financial Inc., has no apparent authority to accept any assignment of security interest from XXXX XXXX XXXX XXXX, on my behalf as Ally Financial Inc., didnt provide any consideration to obtain the original promissory note. Any security interest given was done by misrepresentation, fraud and without a full disclosure. I have contacted both companies via certified mail in the form of a notarized affidavit under the penalty of perjury. Both companies have failed to properly respond to said affidavits and have also failed to take any necessary and appropriate action to reflect the termination of any security interest created under the transaction.
Consumer complaint received 2022-08-17
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding/Resurgent Capital has continued to harass me by sending me 6-10 letters at once about a debt that I don't owe them nor have they proved bearing my signature. I have sent them Dispute Letter, Debt Validation Letter, Cease/Desist Letter and Affidavit Of Truth showing their violations. 

LVNV Funding, LLC/Resurgent Capital Services has violated my rights and continuely try to collect debt that I don't owe. 15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt. 15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (MI)

Aspire calls 3-4 times per day or until i answer the phone. This is harassment. I have XXXX XXXXXXXX  and this is making me have XXXX XXXX. I want compensation for harassment.
Consumer complaint received 2022-04-30
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. (NY)

XXXX, XXXX, Equifax violated my rights since XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX violated my rights since XX/XX/XXXX - XX/XX/XXXX. Also. XXXX  XXXX XXXX has repeatedly violated my rights since XX/XX/XXXX - XXXX Violated these laws : 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ( XXXX ) XXXX open date XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$580.00} 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 2021-11-10
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. (VA)

I noticed this fraudulent inquiry on my credit report and I've disputed it several times with the company and Equifax and and they are still stating this is mine without properly verifying. Please remove the following fraudulent inquiy immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2020-01-25
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. (VA)

XXXX, Transunion and XXXX has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my XXXX  report
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (LA)

The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You XXXX here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX American people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, XXXX has me at XXXX, Experian has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX Citizen my rights have been completely and utterly disregarded.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX, I was advised that money was transferred from my savings account to my checking account and then transferred to another institution. Despite numerous conversations and a 3 hour drive to the XXXX XXXX XXXX, I did not find out until XX/XX/XXXX that I needed to sign a document which was then emailed to me. I was told on XX/XX/XXXX that I should hear within a week. As of today, XX/XX/XXXX, I have heard nothing. I am attaching documentation showing all the contacts that I have made.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX  is a collection company that is showing on my credit report, but it is a fraudulent account. I never entered in to a agreement with XXXX XXXX or the original creditor. My authorization or wet signature was never given by me to have a account started. This is fraudulent activity on my credit report and this account need to be removed immediately.