davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

To whom it may concern : A certified mail debt validation letter was delivered to OPORTUN/PROGESO FINANCE on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. OPORTUN responded in a letter dated XX/XX/21 that they can not verify my information with their accounts. They continue to contact me and send me statements ignoring my concerns. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Finance LLC (DE)

Back in XXXX my car was repossessed, now 18 years later they are garnishing my wages. They refuse to work with me claiming judgement is lifetime even after judgement came off my credit in XXXX. They are steady charging me interest daily according to the finance company. I did not get any notice of wage attachment or a new court hearing. This is 18 years later with 18 years of accumulated interest at 22 %. Resolve would be to delete all interest and loan due to age
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

To Whom it may concern, On XX/XX/XXXX i received a text message alerting me that my card was been used. 

I immediately called Wells Fargo ( XX/XX/XXXX ) around XXXX Customer care agent told me that I have nothing to worry about no transaction recorded at the moment. on XX/XX/XXXX i notice my statement has {$6900.00} of a purchase at the CHANNEL STORE # XXXX in XXXX I called WELLS FARGO ( XX/XX/XXXX ) and they ask a few questions told me that a case will be open for investigation. Adjust my account removing the fraudulent charges on XX/XX/XXXX just to put the charges back the same day. 

Call back WELLS FARGO on XX/XX/XXXX and they said the investigation didn't go on my favor because they know for a fact that I did authorize the transition this statement is not True. I have explained so many times to Different agents that it was not me i was in the State of NJ when this was happening in the state of New York. 
Ultimate they have advised me that I am responsible for charges and i have to pay. this is not a fare investigation ; I can't be responsible for something I didn't do plus being accused of fraud myself when I am the victim. 
if you need additional information for this to be solve, I am open to provide please reach out to me. 
Thank you.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (UT)

In the XXXX my husband contacted Hunter Warfield collections in regards to an account that appears on our credit report. The company referred him to their legal department ( XXXX XXXX ) stating they are only the ones that control this account.My husband spent two days attempting to contact XXXX XXXX. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was 9277.82 as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is 6475.91. The company misrepresented the amount owed and the fact that there was a judgment against us.
Consumer complaint received 2021-05-24
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)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-05-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.
Consumer complaint received 2023-02-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Autovest, L.L.C. (OH)

I had a car financed thru first investors that got stolen and I was told I had a balance left. I had gap insurance and on my credit report it was charged off and paid in full. Then a company call Autovest.llc. Bought it and is trying to garnish my wages when I never had debt with them. I informed them it agains the law to do that but went to another county in oHio and went to court without me knowing with falsified paperwork and claim I owe them money.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (KS)

Pioneer Credit Recovery , Inc acting as a debt collector violated the FDCPA several times. I sent them certified mail requesting validation of debt followed by certified Cease and Desist, Affidavit, and invoice. Pioneer Credit Recovery , Inc violated FDCPA 15 USC 1692b2 and 15 USC 1692f1 twice. They are liable both criminally and civilly and the invoice to be paid for the 3 violations documented. Proof Pioneer Credit Recovery , Inc signed for notarized documents sent and failed to respond.
Consumer complaint received 2021-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION ARE REPORTING LATE PAYMENTS ON MY MORTGAGE THAT ARE NOT ACCURATE AND NEED TO BE CORRECTED. XXXX HAS CORRECTED THE ERRORS BUT TRANSUNION HAS NOT AND IT'S BEEN VERY HARD TO CONTACT SOMEONE TO FIX THE ISSUE.
Consumer complaint received 2023-05-29
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) XXXX CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to XXXX FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX retired XXXX XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of XXXX my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to XXXX and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with Las Vegas Metro and the FBI. XXXX never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. XXXX NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXX XXXX XXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing XXXX AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV ) I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what XXXX has done to me.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

My husband passed away suddenly without a will and no named beneficiary of the {$940.00} on his bank account. However during his illness he called the Regions bank customer service with me on the telephone and stated that he authorized me to pay his bills from his bank account. The CSR asked for me to be put on the phone to give my name and social security number which I gave. He then said that it was on the Regions banks system. I paid some of the bills from the online account that I setup, but within three weeks my husband died. Now the bank has frozen the funds. I wrote letters to the branch and head quarters about having the funds sent to me to help pay for my husbands burial. I received a message online from the bank stating that I should go to the branch with my husbands account to personally to discuss the matter. I went to the branch where my husband had his account and I told the one of the branch employees why I was at there. From the start his manner was discourteous and dismissive. He never even offered the customary courtesy of condolence for a customer who banked there for several years. Instead he quickly pushed back the copies of the death certificate and letters I wrote to the bank with a smirk and told me that there was no record of the telephone conversation on the bank 's system. He also added that my husband should have put his authorization request in writing. I told him that the Regions CSR did not tell us to put the request in writing and of course my husband and I did not know that his death would be sudden. Again the bank employee ignored what I told him about my authorization to pay from funds in my husband 's account. At that point he left briefly and came back to the office where I was sitting and laughingly told me to go to probate court for authorization and then come back to the bank. The account in question has {$940.00}. I am on a fixed SS income with new debt to bury my husband. Plus, I can not afford to hire a probate attorney at {$500.00} - {$1000.00}. I believe this situation could have been avoided had the CSR conveyed to us that the bank needed to have the authorization request in writing. Therefore, the bank should not withhold the funds due to the error on the part of their employee.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (WV)

I opened an account w/ experian XXXX and followed their advice and my score dipped 156 points. I keep closing the account and canceling and they keep reopening it and charging me w/out my permission. They also continue to check my account and access my records w/ out my permission
Consumer complaint received 2021-05-06
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: RFNA, LP (TN)

I have contacted all three Credit Bureau/Agency ( XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, ( 2 ) Republic Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2023-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (WA)

On XX/XX/2023, I was informed by the XXXX Credit bureau that I have two past due balances with XXXX XXXX in the amount of {$5300.00} and {$5800.00}. I spoke with the apartment complex on XX/XX/2023 and i explained that i had not received any noticed. They mentioned I should contact Pro-Collect since it was already in collections. I contacted Pro-Collect, Inc. on XX/XX/2023 and spoke with XXXX XXXX to request additional details about the alleged debt since I received no official notification prior to XX/XX/2023 with XXXX XXXX or Pro Collect inc. I was informed of a balance of {$5300.00} on my account. I asked if that was the only balance I owed and XXXX XXXX verified that it was. I was informed that I needed to pay that debt by the end of the day or make 3 monthly payments of approximately {$1800.00}. XXXX XXXX stated he spoke to his supervisor about getting a settlement of {$3500.00} but I would need to pay it by Wednesday XX/XX/2023. I requested time to reach out to my bank in order to secure a loan to cover the alleged debt. XXXX XXXX informed me that I had to leave a card on file for the time being while coordinating with my bank. Unfortunately, I was unable to secure payment for the settlement amount and called XXXX XXXX on XX/XX/2023 at approximately XXXX pacific standard time to request that my card be removed. XXXX XXXX stated he was unable to remove my card on file due to it being late in the day and the payment was set to be auto-drafted on XX/XX/2023. I informed XXXX XXXX that I was never sent an official notification of the allege debt and formally requested that he send me one via secure email or certified mail. XXXX XXXX stated that he would not be sending me official documentation and when I requested to speak to his supervisor or manager, he refused. During this verbal interaction with XXXX XXXX, he hung up on me on three separate occasions and placed me on hold twice while I was talking. In my opinion XXXX XXXX actions were unprofessional and has hindered me from receiving legal notice of an allege debt. Furthermore I feel that XXXX XXXX was being deceptive by carrying out unfair trading practices as I was not made aware of my rights nor the amount owed.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I am writing to request that you delete the fraudulent hard inquiries listed on my TransUnion credit report. I have recently become aware of these inquiries and believe that they are a result of fraudulent activity. 

The following hard inquiries were made without my knowledge or authorization : XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a victim of identity theft, I believe these inquiries were made fraudulently and should be removed from my credit report. I did not authorize any of the inquiries and have not applied for any credit products or services with the listed companies. 

According to the Fair Credit Reporting Act, consumers have the right to dispute any inaccurate or fraudulent information on their credit reports. I am exercising this right and asking that you remove the fraudulent hard inquiries from my TransUnion credit report as soon as possible. 

I have also taken steps to protect my identity, such as placing fraud alerts on my credit reports and monitoring my accounts for any unauthorized activity. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked Transunion, XXXX and XXXX to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all three credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX  credit inquires on my report that i did not authorize or express permission to share my report.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had been approved for my edd benefits and had issues with my card in XXXX of XXXX. I was locked out of my account for almost a year. When I finally received a new card and thought things were good again in the beginning of XX/XX/XXXX, bank of America kept freezing my card for suspected fraud almost every time I used my card. And now they are requesting me to go into a bank with an id and I don't have an id at the moment because my wallet was stolen and don't have access to my money so I can get a new one. When I asked them the reason for them freezing my account the would not give me an answer