davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (CA)

I have a private student loan with Wells Fargo. I lost my job, no longer receive unemployment income, and have filed for bankruptcy. After speaking to Wells Fargo, explaining my situation and asking for assistance no one at Wells Fargo was willing to assist in a way that would work. They told me that they would not give me a modification because I have no income and would not qualify, and even if I was granted a modification I would not be able to pay because I have no income. Additionally, they could not defer my payment because I only qualified for one deferment. It is impossible to get ahead when one is  stuck between a rock and a hard spot. I explained to them that we are a XXXX member family on one income. Wells Fargo 's servicing and collecting tactics border on bullying.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  have 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 an account without my written instructions.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2018-11-30
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. (CA)

Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

I was told by XXXX XXXX XXXX that if I signed up for monthly pet insurance through them I will not be charge for neutering my dog since it will be included in the insurance and it will be covered. after the surgery they did not charge me for the monthly cost and only charged me around {$700.00} for the surgery. I did not agree to it and they lied about the cost previous to the procedure.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (MA)

I found a new debt-collection remark ( {$160.00} ) on my credit history on XX/XX/XXXX and I realized it was from XXXX XXXX XXXX XXXX same creditor- for the same account opened due to identity theft XXXX years ago. I contacted XXXX XXXX and reported the identity theft issue in XXXX and XX/XX/XXXX. Their debt collector agreed to remove the fraud debt collection record. But this year, XXXX XXXX once again posted the same fraud bill on my account. 

The previous incident is below : I found a debt collection record of {$160.00} in my credit history on XX/XX/XXXX. The creditor is XXXX XXXX, a XXXX power provider/company. The debt collector is XXXX. I contacted XXXX XXXX and was advised to file a police report and provide utility bills for my apartment in XXXX. I faxed all the required documents to the provided number ( XXXX ) on XX/XX/XXXX, but have not heard back from XXXX XXXX. I filed a complaint on CFPB ( ID # XXXX ) and the debt collector removed the debt collection record on XX/XX/XXXX.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX my XXXX XXXX XXXX is XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX.I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( 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 2018-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser , PLC XXXX XXXX XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with XXXX XXXX. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do XXXX  XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware XXXX XXXX  has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and XXXX XXXX  for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a XXXX XXXX out of state if this case is not dismissed.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX, give authorization for WELLS FARGO XXXX to move forward with this complaint. 

THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH WELLS FARGO XXXX. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO XXXX5 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

In 2017 I had issues with WELLS FARGO where they SUDDENLY stop accepting my payroll checks through ATMs and opening lines of credit without my permission and charging unnecessary bank fees, just ou of control. THEN the fan hit publicly about their practices. THEY REPORTED NEGATIVE INFO ON ME TO IN XXXX AND IT IS NOW CAUDING ME PROBLEMS IN OPENING FURE ACCOUNTS WITH OTHER BANKING ENTITIES. THEY OWE ME MONEY WAY THEY WAS ROBBING ME IN FEES.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR .THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. THIS IS A DUPLICATE ACCOUNT US CODE 1692e False and Misleading Representation US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XX/XX/XXXX, 110 Stat. 3009425. )
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX and XXXX, 2022, two fraudulent withdrawals from my Chase checking account were made, each of {$500.00}, totalizing a loss of {$1000.00}. I have called Chase customer service on XX/XX/XXXX to dispute the two charges. Customer services informed me that the withdrawals took place in a non-Chase ATM in XXXX XXXX XXXXXXXX. I live in Illinois and I have never been to the state of New York. On XX/XX/XXXX, Chase informed me that their investigation concluded that both transactions were authorized ( see attached document ). After calling customer services again on XX/XX/XXXX, I was informed that this decision was based on the fact that to withdraw the money the person would need the debit card number, its security code and my four-digit pin, and this was a one in a million chance. Based on that, Chase concluded I was at fault. Again, I have never been to the state of New York, I have not withdrawn this money, and I have not authorized anyone to do it. My debit card has never left my possession and I have never shared my pin with anyone.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (WA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (FL)

Vehicle lease was paid off and vehicle was purchased. Payment was sent in priority mail. Check was stamped by Chase Auto on XX/XX/XXXX. I contacted Chase and they could not locate check. After waiting another 10 days, check was deposited by Chase. I was promised that the title would be sent within 2 business days. As of the mail today, XX/XX/XXXX, still have not received a title or vill of sale. Chase will not provide any proof that title or bill of sale was sent. Chase claims title was sent on XX/XX/XXXX but will not provide any proof. Chase says have to wait an additional 30 days to get another title.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION (UT)

In XX/XX/2018 my divorce was final and I was ordered to close my accoount with Zions bank. It took me a few months to attempt to stop my direct deposits and I made my best attempt to cancel recurring debits and I closed my account with Zions bank. 

A small recurring charge came through from a service from XXXX and the account reopened without my knowledge and I wasn't able to access the website because of password issues even after several attempts trying to gain access to their website so i can keep track of any transactions. 

I was sent a letter indicating there where overdraft and over limit fees of mopre than {$200.00}. I called customer and they where only able to waive part of the balance and I had to go to a local branch to see if they would bne willing to adjust more of the balance. The branch manager reviewed the account and advised me that since the account was opened online I would need to contact the Online account department.

I would continue to get this run around and new fees were being added to the account. I believe that this practice Zions bank futher caused the balance to increase making the problem worse This is a scam to make more money in fees from consumers
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated (AZ)

Unifund served me at the corporate office to an employer I no longer worked for and got a judgement.in XXXX. I was never given the chance to dispute because I never had a XXXX credit card.I tried calling XXXX XXXX XXXX in early XXXX XXXX, trying to get more information as I did not understand what they had sent me and was told by the paralegal to refer to the paperwork they had sent.
Consumer complaint received 2021-12-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (FL)

I received a letter from a company called Viking Client Services stating that I owed a debt of {$8800.00} to a company titled XXXX XXXX XXXX. This is the first time Im receiving any form of documentation from either of these companies. 

I responded back to both companies in writing for verification/validation in the form of written documentation to note some form of wet ink contract or purchase agreement or any reason why they would be contacting me about owing them money. Neither company has responded to my written request and I have only received a certified returned receipt from XXXX XXXX. I am still waiting for written validation. 
I also sent a copy of the letter sent to Viking Client Servicies to XXXX to ensure that each party had the ability to collaborate in this matter.
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted all the documentation for the fraud activity of these student loans. These were opened without my knowledge and after investigation, was taken off my XXXX  and now is showing up on my Equifax as late payments and is affecting my credit negatively by 112 points, impacting my payment history. I am submitting a photo reflecting my XXXX  compared to my Equifax, please help!
Consumer complaint received 2019-06-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LDF Holdings, LLC (NC)

I applied with amplifier to Borrow some money I didnt realize they were charging 30 % for it and they said they sent me a notification in my email but I did not see it when I signed up for it. Interest is maybe 8.00 a day. Not sure. I borrowed {$700.00} but payback ending up over $ 2,000.to 2,500. If I remember correctly.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (NC)

I reached out to this company notified them that these accounts listed do not belong to me. 
I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times.

I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company.

They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did.

They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.
Consumer complaint received 2021-12-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

Never took possession of a rental unit and stated to the landlord that we would not rent the unit. They said we took possession and charged a cancellation fee. They never notified us of this and wrote it off as a disaster relief expense too. 
The company and details are as follows : Transworld Systems {$7100.00} Original : XXXX XXXX XXXX Opened : XXXX Reported : XXXX Act. # : XXXX XXXX : XXXX