davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with THE TRANSWORLD SYSTEM INC/ This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify TRANSWORLD SYSTEM INC/ and tell them the debt is the result of identity theft.

AS TOLD PREVIOUSLY IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT WAS OPENED AS RESULT TO THAT. FURTHER MORE SINCE THE DEBT WAS SOLD I HAVE NO CONTRACT OR LEGAL BINDING WITH YOUR COLKECTION AGENCY MEANING I OWN NOTHING, AND YOUR COLLECTION IS NOT License to even collect in the state of California.

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : * Account applications made on paper, online, or by telephone * Account statements or invoices * Records of payment or charge slips * Delivery addresses associated with the account * Records of phone numbers used to activate or access the account * Signatures on applications and accounts * Investigators report Please send me a letter explaining what you have done to : * Inform [ business where the account was opened ] that the debt is the result of identity theft * Stop collection proceedings against me * Stop reporting information about the debt to credit reporting companies * Provide me with the records I request Thank you for your cooperation.

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-26
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. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/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 2017-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Checking account at Chase Bank was restricted because, after having the account open for 20+ years, I would not give them additional personal information. I was unable to use my debit card, withdraw money from ATMs or have checks paid against this account.
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (WA)

I have made small transfers of about {$10.00} USD to a single person in XXXX. She lives in XXXX  XXXX, has no job, and is poor. I provide money to her for food for her, her mom, and sometimes her brother. This is not unlike contributing to a charity like XXXX except that I cut out the organization and 100 % of my contributions go to the people who need it. {$10.00} USD is an immaterial amount to someone in the XXXX, but it is a lot to a poor family in XXXX. There is nothing illegal about these contributions. I AM NOT PURCHASING ANYTHING ILLEGAL. I AM NOT LAUNDERING MONEY. Yet my ability to make transfers has been immediately stopped without warning or explanation except to say that suddenly my " activity isn't allowed under the terms of our User Agreement. '' Customer service can not provide the terms that I violated nor can give any explanation except to say that it is out of their control. This is an unacceptable reason.
Consumer complaint received 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (FL)

XXXX # XXXX XXXX XXXX XXXX, XXXX, MA XXXX has placed a collection on my credit reports. This is for an XXXX account that I did not authorize. They have never been able to show me where I signed for this account. Please have them remove this negative information from my credit files.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (IN)

My debit card information was stolen sometime before Saturday XX/XX/2024. When I was notified of transactions that were being done that were not authorized. The debit card was frozen and no more transactions were able to be done. The bank said that they can not dispute pending transactions and I had to wait until they were cleared. All the unauthorized transaction were listed to the bank. I was informed that some were denied, however the money was still removed from my account.The supposedly denied transactions were then able to clear my account and a dispute could be started, which it has on all the unauthorized transaction. The money was instantly removed from my account and now I am being told it could be almost two months before it gets returned. Now I have to wait to have my stolen money returned even after telling the bank that these charges were fraudulent. Someone in XXXX  had a good time at XXXX while I was at a movie in XXXX. My family is without some needed fund and the bank will not move any faster. Trying to complain to the bank gets no action other then they will work on the dispute and that may take a while.
Consumer complaint received 2020-10-16
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. (CA)

I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows a High Credit {$2500.00} and a Charge Off/Close Account must show {$0.00}.

4. Delete this account, because it shows Payment History reported  consecutively on these dates XX/XX/XXXX {$2500.00} Balance ; XX/XX/XXXX {$2500.00} High Credit ; XX/XX/XXXX {$2500.00} Amount Past Due ; XX/XX/XXXX {$2500.00} Balance ; XX/XX/XXXX {$2500.00} High Credit ; XX/XX/XXXX {$2500.00} Amount Past Due ; XX/XX/XXXX L ; XX/XX/XXXX L ; XX/XX/XXXX L ; XX/XX/XXXX G ; XX/XX/XXXX G ; XX/XX/XXXX G ; XX/XX/XXXX 4 Account must show NO Payment history or consecutively as L, G, BALANCE AMOUNT, PAST DUE AMOUNT or HIGH CREDIT reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2015-10-07
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: MARINER FINANCE, LLC (NC)

My husband and I obtained a loan from Mariner Finance in XX/XX/XXXX. We used the title of our XXXX Mercedes Benz as collateral. The loan was paid off in full on XXXX/XXXX/2015, by a check that was mailed. The check cleared on XX/XX/XXXX. When we contacted Mariner to ask about the return of our original car title we were told by the branch manager that the title would be mailed. We waited a week before calling back. At this time we were told the title was lost by them and they would get us a replacement. 

We have not received our title nor did we received a paid in full receipt from Mariner. I also spoke with the supervisor of the branch manager.
Consumer complaint received 2015-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIGY USA CORP. (AZ)

After reviewing my credit report, I came to realize that a debt was being reported twice by XXXX different companies, XXXX and Mainstreet Acquisitions. Original creditor is XXXX and that account 's date of first delinquency is XX/XX/XXXX. Mainstreet is not accurately reporting the date of first delinquency on my credit report and has the date opened as XX/XX/XXXX but is showing the collection as being reported XX/XX/XXXX. 

In conjunction with that, Mainstreet is reporting that my terms with them is " Terms : XXXX months '' on a paid, closed account despite me not having any signed contractual repayment terms with this company. This violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my credit reports. 

On my XXXX report, this collection is being reported as open. With respect to the " Type Of Account : Open Account '' notation on my XXXX report : I do not have any known type of agreement or contract in writing or otherwise with Mainstreet Acquisitions that creates or procures any type of " Open Account ''. A revolving line of credit is known as an " Open-ended account where there is a possibility on continuing transactions '', and being that this is a collection account, there can be no " open-ended '' account terms. Mainstreet Acquisitions violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Type Of Account : Open Account '' on my XXXX credit report. 

Mainstreet Acquisitions violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Type Of Account : Open Account '' on my XXXX credit report. 

I sent a letter to Mainstreet Acquisitions on XX/XX/XXXX requesting that the paid collection be removed from my credit reports with XXXX, XXXX, and XXXX, but have never received a reply despite including my address, phone number, and email address. 
Also, I recently changed my name to XXXX XXXX after getting married but my credit reports with the incorrect information will show XXXX XXXX.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company (CA)

On XXXX XXXX, 2017, I was referred to Freedom Mortgage company in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to XXXX ( freedom mortgage company used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TX)

I have XXXX accounts with XXXX XXXX. Account # XXXX- the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with upgrade with paying them {$700.00} " XXXX. Account # XXXX the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with upgrade with paying them {$700.00} "
Consumer complaint received 2016-12-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (PA)

I lost my job of 6 years on XX/XX/2016. I contacted my mortgage lender, Pacific Union Financial to discuss options. I applied for the loss mitigation almost immediately. After being contacted by Pacific Union a few times for clarification on some of the multiple documents that were requested of me to prove my current situation, I eventually received confirmation from Pacific Union that my loss mitigation package was complete on XX/XX/2016. They communicated to me that it would take 30 to 45 days to review and make a decision on my loss mitigation approval. 
It has been 66 days with no update on my loss mitigation approval. When I called yesterday I was told there are no guarantees.. 
I continue to receive loss mitigation paperwork in the mail from Pacific Union Financial advising me of the very option I applied for over 3 months ago. I 'm finding the entire process and lack of communication completely unacceptable. I need an answer and should have had one by now.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AAA Collections (SD)

We sent a dispute letter on XXXX XXXX, XXXX questioning the SOL of a judgement from XXXX XXXX and how they got a judgement without proof of a debt. XXXX XXXX they filed to renew the time barred judgement and on XXXX XXXX they attached my husband 's bank acct. and withdrew {$610.00}. We have numerous reasons to vacate the judgement in the first place and of AAA Collections in XXXX XXXX, SD violating the FDCPA.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PDQ Services, Inc. (GA)

I believe the debt collecting company has inflated this bill. Also I believe their client has added charges by balance billing. 
I have disputed the bill and have requested an itemized statement- with dates of service, medical codes of all fees for service and a documentation of me consenting to the original amount due. 

I was told they could not supply the information. Prior to my call today, they did mail a very evasive statement- which was not detailed. Just an amount and a date.
Consumer complaint received 2020-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

The following Transaction was part of a scam : XXXX XXXX -negative XXXX EUR XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with Cash VISA Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$250.00} Exchange rate {$250.00} USD = XXXX EUR XXXX USD = XXXX EUR Transaction ID XXXX Sent to XXXX XXXX  XXXX Details Sent to XXXX XXXX  XXXX EUR {$240.00} Fee XXXX EUR {$12.00} Total XXXX EUR {$250.00} This transaction was a complete scam and I never received the item paid for. The scammer created a fake XXXX account to trick me into buying something and I never knew how PayPal worked, to begin with.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (OH)

XX/XX/2015 I wanted to rebuild my credit so I contacted my banker at Wells Fargo by phone and asked him what are my options to help me achieve the goal. He told me my best option will be to open a secured card with wells fargo and within a year of opening I will be graduated to their unsecured card and have my collateral returned to me. All this sounded good to me and I agreed to put a collateral of {$300.00} down to get a credit limit of {$300.00}. The card was working fine and I thought I might change my limit to {$600.00} so I put an additional {$300.00} for collateral for a credit increase. Everything was working great. But after 1 year had passed and I did not see any change happen on the account I contacted the customer service via phone to see what was going on this. I was transferred to a supervisor ( His name was XXXX ), who had a look at my account and said that I should have already been graduated and he will email the corporate to look into this and I shall hear back within a week. So I waited a week and called back yesterday again and I was told by another supervisor ( name XXXX ) and then finally by a representative from the credit customer care that the previous supervisor lied to me straight up and they can not do anything about it ( this was all on a recorded line ). So after being super frustrated that a supervisor will lie to a customer right on the face on a recorded line I asked so what is happening with my graduation to be told that they can not say anything as this is a automated process while being super rude about it. So basically what it boils down to is that the banker at the branch did n't tell me everything and just opened an account on the pretense that I will be getting my collateral back within a year. He did not take any signature or anything and just verbal confirmation ( which according to law is as good as a contract ). I feel super cheated by wells fargo and looking at their recent wrongdoing findings makes me question if I will ever see that {$600.00} back. This and on top of they have kept charging me annual fees for breaking their own promise and a representative of the company speaks for the company itself. So I will like my money back oir need to know why was lied to and defrauded by the banker ( just to meet his sales numbers? ). And all what I have written can be looked in the recorded conversation that wells fargo has had with me.
Consumer complaint received 2016-12-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I received a bill from Ad Astra a couple of months ago, I called them and told them it was not my bill, I was told it was a XXXX taken online. I filled a police report, sent information to Ad Astra and XXXX XXXX that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a XXXX. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
Consumer complaint received 2016-12-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (TN)

I paid my bill to the XXXX in full in 2011. Then I got a bill for {$1800.00}. I contacted XXXX ( we had coverage through XXXX ) and they said the XXXX never filed for XXXX portion of my treatment. I tried to explain this to the office several times and they threatened a lawsuit. 
I have not responded sooner to the incorrect report on my credit file because of ongoing sickness with my husband. Now I feel this has gone on long enough. I do not owe this balance and I asked them for the records a long time ago and never got them.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

during the annual credit report identity verification review, the questions presented used information for mortgages and credit cards which i have no knowledge of. this led to my credit report being inaccessible. I have never opened a mortgage, and i have XXXX bank card. the questions in the attached image of the prompt refers to accounts i have no knowledge of. So far i have seen evidence of the following fraudulent accounts opened in my name. A mortgage loan opened XXXX XXXX, a retail credit card opened in XXXX XXXX, and a bank card opened in XXXX. I can not access my equifax and XXXX credit reports online currently due to these errors. i am awaiting a mail in report in the near future to verify these are the only discrepancies.
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL (FL)

i have not had any communications to collect on this debt and it is negatively affecting my credit score. I have no idea how to contact this agency and get this credit card paid. I have the means to pay and its not a large sum but I want it of my credit report nd I cant do that if I do n't know where to send a payment to. its ridiculous that an agency can just collect an account without any notification to the person whose name it is in.