davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I would like to advise I am an XXXX XXXX XXXX XXXX and also part of the XXXX XXXX XXXX I intend on pre-arbitration and suing each entity for failure to remove any items and make the necessary changes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 602 states I have the right to privacy ( 15 USC 1681 ( section 604 and section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

The following accounts listed need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ The following accounts were opened from identity fraud i demand immediate removal and current and all future blocks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The following accounts are fraudulent I have never had any business with this company i have submitted the FTC affidavit here before and you failed to remove these accounts with that being said i am prepared to take legal action if these accounts are not removed 1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original document and wet signature if you can't provide these items Delete them. 

I have attached my FTC report for your review.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a XXXX digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in XXXX to XXXX hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo. I did not authorize any wire transfer, someone had hacked my account and even my phone. I took my phone in and had it looked at because I wasn't receiving any calls, all calls were being forwarded to an unknown number. XXXX XXXX stated that that it was hacked and they had to reset phone and change my account number.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

Jefferson Capital place a hard inquiry on my credit report. This account appears to be a recurring issue that I disputed years ago. Jefferson Capital reported on XX/XX/year> that I opened an account. I never opened an account or did any business with this company.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX XXXX go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

My XXXX daughter ( XXXX XXXX ) and I met with XXXX representative and district manager XXXX XXXX when she and another rep showed up un-anounced at our home. They wanted my daughter to sign up to sell avon, since she is XXXX XXXX they told us that the account would have to be set up in my name. I told them we were not interested. We started receiving bills in my daughters name from a collection agency. I have called the collection agency and avon to get them to remove this account and the balance and have been unsuccessful. XXXX XXXX will not return my phone calls and she is the only person that can remove the balance from the account. The account is unactive and has been closed but the bills keep coming and it will start to affect my daughters credit very soon.
Consumer complaint received 2020-06-24
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: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

XXXX XXXX from FNB of PA sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to FNB of PA and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD location for FNB of PA on XX/XX/2020 regarding FNB mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with FNB of PA in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at FNB of PA. I was told by FNB of PA that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and first national bank in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for FNB of PA. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for FNB and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, FNB of PA  responded to my emails and said that the mortgage company for FNB agreed to remove the negative reporting that my mortgage was late XXXX 2020 since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because FNB mortgage dept was taking too long to respond to me. However, the letter FNB sent in response to my XXXX XXXX XXXX and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. FNB of PA mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to FNB in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for FNB in  XX/XX/2020 and not my second mortgage company. I need FNP to  do what they said they would do, remove the negative report from my credit.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am writing to formally complain to Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results and Equifax has failed to provide any acknowledgment or resolution of my concerns. 

I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as evidence of my attempt to rectify the inaccuracies on my credit report.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

I bought a vehicle online. I wired the full price for the vehicle to a recipient at Chase Bank. The vehicle was never delivered. After some investigation I discovered the automobile website was still advertising the vehicle I thought I had purchased. After the failed delivery date the seller refused to respond to me. The trucking company also refused responding to me. I later discovered that both the seller - and the trucking company were fictitious. However, since Chase Bank conducted the wire transfer they know the recipient of my funds. Both my credit union and I have contacted Chase Bank about the fraud, but Chase Bank has not replied to either of us. I also learned that the car I thought I was buying was actually owned by yet another car dealership at the time and was subsequently sold. However the fraudulent website is still perpetuating the fraudulent sale of 'my ' car. So Chase Bank is an active partner in this consumer fraud. Only Chase Bank knows who the perpetrator is, but they refuse to provide my credit union with that information so the LLC can be prosecuted. I have attached all the facts, forms, dates, and other information chronologically documented in a singular file for your review.
Consumer complaint received 2024-03-14
Product: Mortgage — USDA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (OK)

We wish to bring to your attention an issue regarding our mortgage account with Freedom Mortgage. Despite our consistent history of timely payments over the past seven years, there have been inaccuracies in their reporting, resulting in erroneous claims of delinquency on our part. 

Specifically, we have observed discrepancies where our account has been reported as behind by 30 and even 90 days, which we firmly believe to be unjust and unsubstantiated. Upon attempting to address these concerns with Freedom Mortgage, we received a generic response lacking in specificity or resolution. 

We are deeply concerned about the potential impact of these inaccuracies on our credit profile and overall financial well-being. Moreover, we suspect that such practices may be indicative of broader issues within Freedom Mortgage, potentially harming other consumers as well. 

We respectfully request that your agency investigate this matter thoroughly, including an examination of Freedom Mortgage 's reporting practices and adherence to fair credit reporting standards. It is our hope that through your intervention, we can rectify these inaccuracies and prevent similar occurrences for other consumers in the future. 

We have documentation proving our on time payments. They can not substantiate delay in payments for the time periods claimed. We require immediate removal of these erroneous claims. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/XXXX, I received the first letter from US Collections West, stating that I owe XXXX XXXX XXXX XXXX {$260.00} as of XX/XX/XXXX. 
On XX/XX/XXXX, I received a second letter from US Collections West, stating that I now owe {$260.00} as of XX/XX/XXXX. 
According to the move-out statement provided by XXXX XXXX XXXX XXXX XXXX I only owe them {$250.00}. US Collections West is charging me interest every day while they failed to provide clear instructions on how to pay. I tried calling the phone number and accessing the online portal XXXX stated on the letter. No one picked up the phone and the online portal doesnt work.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED AUTO ACCEPTANCE (GA)

On XX/XX/2023, got an auto loan through united auto acceptance. Car got in accident and tattooed, ( not at fault ). XXXX Took forever to send me papers. got a repo notice. Wasnt paying loan, was told not to pay it since I did not have the car. It is totaled. Now its on credit 60 days late after XXXX  XXXX  did not do through their part.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

Summer XX/XX/2019- My Identity was Stolen to open several Cell phone accounts with : -XXXX XXXX XXXX  XXXX They paid the bill until I noticed this theft. Their accounts were canceled but they had device leases ( so they owe money on devices ) The companies do not seem to close out the accounts after I report fraud. 

They also tried to rent an apartment They also tried to open Credit Cards I have opened Police Report in XXXX, Texas. I am from & live in XXXX, TX area. 

The identity theft all seemed to be conducted in Ohio. 

I keep getting calls for collection- but I have no known open accounts. My credit is almost perfect, no past due items on my credit report. Im not sure why the collection companies believe they can call me in Texas for accounts opened elsewhere. 

They do not seem to verify the credibility of accounts they purchase and run against where the supposed accounts are located against where I live. I live in XXXX, they have my address, but they call for accounts in different states. 

In the end- there are probably more accounts open that I do not know about. But at this point my credit is frozen, and in good standing. All accounts opened outside of Texas should be a clear indicator of fraud. Especially if accounts originate from somone with my info out of XXXX, Ohio Attached is XX/XX/2019police report
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (NY)

I've sign up the monthly payment plan service with XXXX XXXX XXXX in XX/XX/XXXX for my aligners. And the contract includes that my payment is for : full treatment, received final retainers and lifetime guarantee. 

the total financial amount is {$1800.00}, and I had already paid {$530.00}. 

However, now I'm in the meddle of the treatment, and the XXXX  was shout down. I couldn't continue my treatment. 

After that, I made a research online, and the XXXX  website said '' XXXX. Customer received aligners, are in the middle of their treatment plan, and requested a refund - The creditor on the loan is soon expected to launch a customer support plan for these customers. In the interim, HFD will place any disputed accounts on hold until the customer support plan is approved by the creditor and the attorney general. '' Therefore, I stopped my monthly payment, and trying to communicate with HFD agency about my situation. But all they talked about was asking me to pay. They refused to answer any other questions and does not willing to help with this. 


Today XX/XX/XXXX, I received the mail from HFD again, and the letter on the mail is '' Please contact us with in 10 days or your account could be sent to collection. Once your account has been sent to an outside collections agency, non-payment of your balance could adversely impact your credit history. '' I'm wondering why I still need to pay for the company who broke the contract, and ask the third party to threat me like this.
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

Balance with debt collector is far more than I owe for the debt. 
When I began making repayments through XXXX of XXXX ( payment history is attached, as well as the original credit card statement. ) the balance on the credit card statement was XXXX. I was approximately XXXX over my credit limit. A total of XXXX was paid directly to XXXX XXXX bank from XX/XX/XXXX XX/XX/XXXX. I then received a notification that my account was sold to a collection agency. **The first notice from the collection agency was received XX/XX/XXXX. The payments that were being made to XXXX XXXX through my credit counseling agency were cashed all the way up to XX/XX/XXXX. The collection agency, Resurgent Capital Resources in XXXX, North Carolina is state that they were given the account on XXXX XXXX, XXXX. Resurgent Capital is stating the balance is XXXX because of of XXXX of fees and interest accruing on the account. I ca n't possibly owe XXXX on this account. My payments were transferred from XXXX XXXX to Resurgent Capital this month. However, I can not get resurgent Capital to respond to my dispute letter ( also attached ). I am asking for your help in this matter. I feel like I am being charged and having to pay this debt over and over again. My balance should be no more than XXXX. Even if a collection fee was added there is no possible way I can owe XXXX or any other amount over XXXX. I have requested billing statements and proof of all payment postings on this account. Yet, I have not received them. PLEASE HELP
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (OH)

And a collection account was recently disputed from my credit report on XXXX With XXXX XXXX  as the debt buyer and XXXX XXXX XXXX XXXX is the original creditor This new collection company is trying to collect a debt I don't owe
Consumer complaint received 2024-03-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (PA)

Ive submitted the complaint to CFPD and received this response from NCAC. I would like to ask for more information and would like NCAC company to verify as below : 1. NCAC : We have sent you several letters all of which has been returned as a bad address. You did not supply XXXX XXXX  with a forwarding address so all they can do is send the letters to your old address and hope that you filled out a change of address form with the post office. They have proof they sent you the letter dated and time stamped. 

XXXX XXXX : I am asking NCAC : please send me those proofs that XXXX XXXX  and NCAC have sent me several letters DATED and STAMPED.

2. NCAC : NCAC sent you the first letter on XX/XX/year> we were never notified that the letter was returned and by law if we are not notified within 14 days we may assume you received the letter.

Your dispute was given to the Dispute resolution department and we mailed all of your documents out to you on XX/XX/year>, those documents were returned to us on XX/XX/year> as undeliverable. 

XXXX XXXX : You sent me the letter to collect the debt, that letter wasnt returned and you assume that I received it even though you just said that was bad address earlier. Why?

When I ask you to send me the validation, you said that you have sent them but those documents were returned.

Does it sound normal? Because I have got those documents from your company in mailbox, stamped XX/XX/year>, almost 3 months after I disputed the debt. I have attached the envelope for your review. 

I have one more question : You said that you sent me the first letter on XX/XX/year>, so Why did you file Report the debt to XXXX bureaus on XX/XX/year> BEFORE you send it? I also attach here the First Email to attempt to collect was on XX/XX/year>.