davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MI)

*Disclaimer* I am a federally protected consumer under the FDCPA and FCRA. 

On XX/XX/2021 within the 30 days of getting my vehicle, I sent Wells Fargo Auto a Cease & Desist, Affidavit of Truth, and a Debt Validation letter ( 15 USC 1692g ). In my Cease & Desist letter, I demanded that all forms of communication with me through any and all mediums cease, I invoked my specified remedy as the consumer and original creditor demanding that the balance on my account be XXXX  out, my title be granted to me lien free and a deletion from all reports. With no regard to my Cease & Desist, Wells Fargo Auto continued to harass me pursuant to 15 USC 1692d ( 1 ) ( 2 ) ( 3 ) by continuously sending letters in the mail stating that they are attempting to collect a debt which is illegal pursuant to 15 USC 1692b ( 2 ). In one of the letters sent to me they also stated that they would stop calling me but wouldn't stop emailing or sending letters. They used obscene and profane language threating to repossess my vehicle.

In my Affidavit of Truth, I stated facts and sent in proof of exhibits in which Wells Fargo violated 4 of my federally protected rights.

1. 15 USC 1605a 2. 15 USC 1692b ( 2 ) 3. 15 USC 1692f ( 8 ) 4. 15 USC 1692e ( 11 ) My Affidavit was not rebutted with and Affidavit line for line, fact for fact dismantling the claims, but only responded with an alleged contract which in turn would mean the organization defaulted the account.

Following that AOT, a Debt Validation letter was sent disputing the validity of the debt and requesting validation. When this company received my letters, they then again responded with an alleged contract trying to use it as the validation on the debt when no one from this organization was present during the time of the transaction. As the consumer and original creditor, I am the natural person who can validate any debt. 
Since then, then have been furnishing certain deceptive forms ( 15 USC 1692j ) by putting false reports on my consumer report which is hurting my reputation and livelihood. 

Fast forward today XX/XX/2021, they gave my information to an unauthorized third party and had this third party come illegally partake in theft by repossessing my vehicle. Now want me to pay a third party vendor who I have no business or contract with in order to get my vehicle back. They completely disregarded all of my letters and didn't respond to them correctly in a timely manner. In turn I am seeking a civil remedy ( 15 USC 1692k ) of {$7000.00} for 7 consumer protected rights violated by this company. I would like the payment be made by check immediately. Also Im demanding the account balance to be XXXX  out and a deletion from all consumer reports.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

I am requesting again an investigation into Citibank in regard to a request to them advising me of who cashed a check from my account. A debit was posted to my checking account on XX/XX/20 with the payee of XXXX XXXX. I began receiving bills monthly from XXXX XXXX  and had medication held up due to non payment of my account. After calling Citibank beginning on XX/XX/20 and subsequently 15 times later, they have not advised me where that payment was deposited. They requested on XX/XX/20 that I get a signed affidavit of forgery from XXXX which I tried unsuccessfully many times to get. On XX/XX/20 I sent 3 letters, 1 to XXXX XXXX, 1 to XXXX XXXX and one to the Citi Executive response unit advising them of my efforts to comply with their request and a copy of the signed certified receipt from XXXX proving that they received the affidavit along with copies of emails to XXXX XXXX stating that she received it. I received no response. After speaking to a XXXX, ID # XXXX, I was told there was no record of receipt of my letter. Why can they not tell me who cashed my check and to what account it went to? I will not give up as now I believe that Citibank is somehow involved in this fraud. Please tell me who I can contact next because your intervention has obviously no effect on Citibank responding to such a simple request from one of their millions of middle income clients that keep them afloat.
Consumer complaint received 2022-03-22
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. (IL)

I have disputed the referenced accounts to the XXXX 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 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 2022-03-21
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. (TX)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-12-01
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. (TN)

on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.
Consumer complaint received 2020-12-01
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: CITIBANK, N.A. (NJ)

I noticed that Best Buy pulled my credit without my consent on Monday XX/XX/20. I was asked if I had a rewards membership ( which I do ) and I figured they were just going to pull it up. He asked me for my social. I asked the employee what do you need my social for? It is just a rewards card for discounts and points. He stated my rewards card information needs to be updated. They instead ran my credit. I noticed 2 inquiries once I got home. I received credit alerts from my app.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding (CO)

I started a refinance for my single family home with XXXX XXXX at EN Trust Funding out of XXXX AZ & paid {$750.00} out of my own pocket for the appraisal. I decided to go with a different lender & XXXX is refusing to transfer the appraisal to my new lender. XXXX also tried to get me to sign a loan document after I told him I was using a different lender by having someone in his office send me the DocuSign to sign for the refinance. I feel he was trying to trick me to sign with him because when I hit reply all his name came up he had XXXX copied himself. Because if I saw his name I would not have even opened the document to sign.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, XXXX  and Transunion on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (UT)

A few years ago. I signed up for a XXXX credit card with Synchrony Bank that promised 1-3 % cash back. 

XX/XX/XXXX I was notified that my account would be closed on XX/XX/XXXX. The email stated that I could continue to use the card through XX/XX/XXXX. In the email it said " Outstanding cashback on purchases will be paid via a statement credit within two billing cycles. '' So, when I get my final bill ( available online at the end of XXXX ), I noticed, that, unlike all of the other bills I have ever received, this bill didn't have a statement credit. 

So on XXXX XXXX I contacted customer service. And the first person I spoke with said : " For the cash back, it should be updated and reflected at the end of the billing cycle date and that will be on XX/XX/XXXX. '' But when I tried to dig in and get details, the representative got disconnected from the online chat. So eventually I was able to speak to someone else to get details, and they said " The closure of all accounts forfeited the rewards. '' and later " However, the statement closing date shows XX/XX/XXXX which happens to also be the closure of all accounts. '' So I did not get the 1-3 % cash back on the ~ {$2000.00} that I spent on the card that month.
Consumer complaint received 2020-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SW Linear Investment Group, LLC (SC)

I was directed to you through the Attorney Generals Office-XXXX XXXX My ex husband, after our divorce and the home was given to me went and borrowed money on the property in order to pay what he owed me to avoid a contempt of court issue. My name is not on the loan but my property is because the finance company did not do the research needed before writing him a check. He has since passed away and now the loan company wants me to pay the bill that I was not ever aware of. I directed them to file against probate but they never did. His mother XXXX XXXX was the beneficiary of his life insurance, checking and savings and they have never sent her any thing about this. How can someone use my property without my knowledge and I have to pay the bill. They are threatening to foreclose on my property now and after I paid off the first mortgage as I was instructed by the court. 

Linear XXXX  should be responsible for this since they never had insurance on the loan, never had my signature that he could borrow my property to take out a loan nor did they do the research they should have done to start with? 

They have told me that they wrote the checks directly to XXXX XXXX XXXX not only once but twice, One time for {$9000.00} and another loan ( The loan application was used to payoff a previous note for {$12000.00}. with XXXX, a XXXX XXXX account for {$9000.00} and misc bills and direct to XXXX. This statement came from : XXXX XXXX XXXX ) Please help me, XXXX XXXX XXXX Cell XXXX Work
Consumer complaint received 2022-03-22
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. (IL)

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 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 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CA)

Today XX/XX/2021 at XXXX XXXX received am alert of an outstanding account. Once I checked on it I had no idea what it is from but then I saw XXXX/CHIME on my credit report I knew automatically that it is fraud. CHIME is a prepaid debit card, and one card is a " Credit Builder '' card. I have both and there is no way possible that I can use the card without first loading money onto it. The alert say On XX/XX/2021 I was reported to XXXX  for owing XXXX/CHIME in the amount of XXXX. This is FRAUD! My card is active an since I've started using it I've kept money on it. It's impossible to owe a prepaid card. No fees, no set up fees, nothing just load and use to supposedly raise your credit. I don't qualify for a spending advance that CHIME offers because I don't get enough direct deposits, and it's only {$20.00}. But that's an offer that I don't qualify for. I can NOT possibly owe them any money, PLEASE help me. This is FRAUD AGAIN! My restoration specialist name is XXXX XXXX XXXX. My contact is XXXX and my mobile number is XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX XXXX XXXX XXXX  XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XX/XX/XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that XXXX.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONRAD CREDIT CORPORATION (NY)

Three ( 3 ) different companies, CONRAD CREDIT CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with same Account No. XXXX on the 3 consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 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 information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. 
CONRAD CREDIT CORPORATION AND XXXX XXXX XXXX still reporting under 3 different names on XXXX, XXXX and XXXX XXXX report. 

Despite this, CONRAD CREDIT CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (WA)

XXXX XXXX XXXX sent a bill to collections in XXXX of XXXX. They did not process the billing through insurance. A dispute was sent to XXXX XXXX XXXX and the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX contacted me after the dispute letter on XX/XX/XXXX, to state that the insurance would not cover the medical equipment because I was not using the machine. I use the machine every night and they had not requested the information from the machine to provide to the insurance. I visited there office on XX/XX/XXXX, with the SD cards from the machines and had them download the information needed for insurance. I also had them print copies for myself. After this date, there was no further contact from XXXX XXXX XXXX. Now I have a new collection bill for the same original amount from a new collection agency, SIMM Associated, INC. They have failed to validate the debt owed and to provide my amount owed versus what insurance should have been billed.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

A friend recommended this salvage car dealers online to purchase a car from them. They have on thier website that they located in Florida, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ). I purchased the car with them through a bank transfer ( {$9500.00} ) and after payment they are not answering my calls or responding to my chat. These people are hiding behind closed doors and scamming people. Lots of people have fallen a victim. They need to be investigated and arrested immediately. This is thier website XXXX XXXX XXXX