davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my utter exasperation and disbelief at the complete and utter incompetence displayed by your bureau in handling the fraudulent account that continues to plague my credit report, despite numerous previous complaints and escalations. It is with mounting irritation that I must yet again bring to your attention the ongoing nightmare I am experiencing due to your ineptitude in resolving the following issue : XXXX XXXX PLEASE DELETE!!! 
This fraudulent account has remained on my credit report for an extended period, causing immeasurable damage to my financial standing and an insufferable amount of stress in my life. I have lost count of the number of times I have raised this issue with your bureau, providing an overwhelming mountain of evidence to prove that this account is fraudulent and should not be associated with my credit history. It is mind-boggling that despite this undeniable evidence, your bureau continues to display a shocking level of indifference, incompetence, and disregard for my rights as a consumer. I can no longer tolerate the blatant negligence and incompetence exhibited in handling this matter.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

I became aware of unusual withdrawals on my checking account that I have with Bank of the West located in XXXX, Ca. I have been a customer of Bank of the West for about 15 years with no complaints. Recently, I have had issues with purchases or withdrawals made online that were not authorized or made by me. The amount of disputed charges ( starting on XX/XX/2022 ) totals {$910.00}. My bank investigated only {$320.00} of these charges and completed their investigation. However, there is still more than {$600.00} missing. I am providing my bank statement with questionable charges highlighted in green. I am also submitting the correspondence from Bank of the West regarding the investigation of only {$320.00}. I have still not received my new debit card nor any more correspondence from my bank regarding the investigation findings or if the funds have been reimbursed to my account.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (ID)

To Whom It May Concern : Beginning in XX/XX/XXXX, I set out to pay off debts in collections. One such debt received a Judgement in XXXX XXXX. I contacted the collection agency, Cavalry Portfolio Services to set up a payment plan for $ XXXX. paid through XXXX XXXX when I received a payment in full letter. I was also required to set up a payment plan with their representing attorneys, XXXX and XXXX XXXX. This plan was at $ XXXX. Neither entity could tell me why I was paying them separately but I was hoping to move forward so I did. 

Following my XX/XX/XXXX payment to XXXX and XXXX XXXX 's payment portal I received my payment confirmation from their client ( Cavalry Portfolio ). On XX/XX/XXXX at XXXX, I attempted to log into my payment portal again with XXXX and XXXX XXXX XXXX determine if the debt was, in fact, paid as agreed. On this date, my payment portal was marked " Inactive '' which does not allow payment. I took a photograph of the screen for my records. 

On Friday, XX/XX/XXXX I received notification from the XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX had received a Writ of Wage Garnishment for the balance of the alleged debt. At no point since XXXX and XXXX XXXX closed my payment portal in XX/XX/XXXX, did they call me and leave a message, send me a letter or email informing me that this debt was still active. Nor have they explained to me why there were two separate collections happening with their client, or why they closed my payment portal when the next payment would have been due, if I did in actuality still owe them a debt. 

XXXX and XXXX XXXX now refuse to acknowledge their error in debt collection practices and are planning to move forward with the unjustified wage garnishment ( which would create a hardship for my family ), despite my attempts to contact them directly to correct the situation for both parties.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Reference : Prior Complaint # XXXX My numerous requests, to Resurgent Capital Services , to supply a single copy of the original document that contains either the last four digits of my social security number or the last four digits of my drivers license, has to date never been supplied. I recently received another correspondent, from Resurgent Capital Services, which contained the exact same document contained in every correspondent received. Resurgent Capital Services can not prove this is my account. Every company that supplies equipment in the XXXX XXXX  and beyond performs some level of credit check, as XXXX must have, and include that information in the customers file. However, Resurgent Capital Services can not or will not supply a copy of that original document. Also, as stated in my prior complaint, Resurgent Capital Services attempted to prove I was the owner of two different accounts ; this is definitely the sign of collection company scam. In addition, there were more than 15 families that shared the address on the ranch that Resurgent Capital Services claims is my account statement. This account could have belonged to any one of these employees, since Resurgent Capital Services first insisted that the account ending in # XXXX was mine and then now insisting that the account ending in # XXXX is mine also. Finally, Resurgent Capital Services has never supplied proof they are authorized to collect for LVNV Funding LLC, that they are licensed to collect debts in the state of Florida and their license number, no matter what the state issued. This is information I am entitled to and must be supplied to me, upon request. 

After speaking with an CFPB agent, on a recorded line, she diplomatically disclosed my legal entitlement to all of the information requested in the dispute letter to Resurgent Capital Services. It would appear LVNV Funding LLC purchased several XXXX debts and instructed Resurgent Capital Services to go on fishing expeditions to locate any person gullible enough to pay them, which could be defined as a classic debt collection scam.
Consumer complaint received 2022-06-28
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: OPORTUN FINANCIAL CORPORATION (CA)

OPORTUN/PROGRESO FINANCIAL IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -no written instructions from consumer to furnish information
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

My home mortgage loan was purchased by Planet Home Lending at some point at the beginning of this year. I created my online account with Planet Home Lending on XX/XX/22 after my original loan officer who completed my loan in XXXX notified me of the change. I made a manual payment that day with confirmation number XXXX and attempted to sign up for autopay. I never received a confirmation of enrolling in autopay The following month after realizing my payment had not be deducted I logged in to realize the payment never pulled. On XX/XX/22 I again made another manual payment with confirmation number XXXX and enrolled again in autopay. This time I did received a confirmation of my autopay enrollment on the same day XX/XX/22. 

Since this time, no communication has been received from Planet Home Lending until today when I received an email at XXXX PST asking me to contact the company with the following message : " XXXX XXXX Please call Planet Home Lending , LLC toll free at XXXX from XXXX to XXXX M-F and Saturday XXXX to XXXX Eastern Time Thank you, Planet Home Lending , LLC XXXX : XXXX '' After calling in I discovered the reason for the communication was because they had canceled my autopay without notifying me and did not pull payments for the following months, XXXX or XXXX. They informed me they contacted the credit bureaus on XX/XX/XXXX to report the lack of payment on the account which resulted in over a 100pt drop on my credit score which until now had a perfect payment record across all accounts. 

I ultimately was directed to the highest supervisor available - XXXX  ( Employee ID - XXXX ) who ultimately declined any help in resolving this matter after admitting Planet Home Lending was the party who canceled the autopay without any sort of communication to me. She only committed to removing a single late charge from my account and refused any further help. I have already paid the outstanding payment amounts to bring the account current - minus any late fees. 

I have included the chain of emails below that documents the development of this incident
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I discovered XXXX XXXX on my credit report and wrote them a letter requesting debt validation of said account. They responded with a letter stating the law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems , LLC ) can not sue you for it. So instead of sending me verification of a debt, they are obviously reporting this on my credit report inaccurately due to the time. I requested verification as I am not familiar with this account nor amount {$1000.00}
Consumer complaint received 2024-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit 's automatic relief group, specifically addressing my case with XXXX XXXX XXXX through the CFPB. I reached out to XXXX  to request the school misconduct form, but they informed me that I wouldn't qualify since my loans are federal. However, given the circumstances of the XXXXXXXX XXXX XXXXXXXX lawsuit, I believe I should be eligible for a refund. I have paid over {$10000.00} to XXXX, and if these loans were federally funded, then XXXX  should issue a refund for the amounts Ive paid.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX and XXXX  XXXX XXXX
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act.The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 usc 1681A states I have the Right to privacy. 
15 usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c. 1681C. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other than records of convictions of crimes which antedates the report by more than XXXX years XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX & XXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXXXXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX  XXXX acct # XXXX & XXXX XXXX. Applied XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX  acct # XXXX & XXXX XXXX. XXXX acct XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

RE : Chime OnLine Bank My Chime accounts ( checking and Credit Builder ) were closed and all the money was stolen by the bank. I received an email stating that " they are sorry to see me go '' and that my account had been closed. I did not make this request. I tried to log into the app and was locked out but was provided with the number to call. I called, waited for 25 mintues only to be told that the accounts were closed, are not eligible to be reopened or for a reimbursement check to be issued. They stole all my money, XXXX XXXX XXXX I asked repeatedly why this happened and the answer was repeated 'our system shows a violation of our policies '. I asked what specifically because I have not done anything out of the norm, ever. I get paid, I pay my bills and hope to have a little saved up afterwards. I asked who I could escalate this to and they said there is nobody. The account is closed, they are sorry, and they are unable to provide additional information. This must be illegal. This must be fraud. I need that money to pay bills, what do I do??? 

The only thing out of the norm was that I had to transfer money from Chime to a traditional bank to make a rent payment. The building I live in only accepts XXXX and Chime does not offer that service or XXXX doesn't want to be associated with this supposed bank. This appears to be retaliation for moving money to a competing bank. I transfer money to a traditional bank and they get to abruptly close my account and keep all my money? How is that legal? 

Stay away from Chime!!
Consumer complaint received 2022-03-10
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. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

EXPERIAN has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

EQUIFAX has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.
Consumer complaint received 2022-06-24
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. (CA)

I reached out to the XXXX, XXXX. back in XX/XX/2022 when I discovered a credit card was on my credit. I informed the company that I never applied for this card and they informed me the card was opened in XXXX, XXXX  which is not where I live. I live in XXXX  and have been for all my life. I informed the representative of this and she stated I would have to fill out the fraud affidavit and send it back. Someone from the Fraud department emailed me the forms and I filled them out with a police report number. I was informed a few weeks later that I had to have the document notarized. I notarized the document and sent it back to them in XX/XX/2022. Since sending this update to them, I have not heard anything back from their department as of yet. I have been calling and talking to representatives of XXXX, XXXX. but not to an actual person in their fraud department. They inform me that the only contact is through email only. I have emailed the department every week for the past four months and still to this day have not heard anything. My credit score has dropped from XXXX to XXXX in the past four months due to the negligence of the company not responding to my request to take this off my credit. They have put a 30, 60, and 90 day late for charges that I did not do. The charges are currently at {$750.00} which the credit card was opened with a balance of {$500.00}. The person who opened this account overcharged the card by {$610.00}. I have in the past two weeks informed the XXXX XXXX of this issue and informed them that I wanted a letter to provide to my lender since we have been in the process since XX/XX/2022 to purchase a home and with my score dropping as low as it has needed a letter to take this derogatory mark off my credit. This should not be on my credit, please advise how this issue can be resolved.
Consumer complaint received 2022-06-24
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-01-03
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: BARCLAYS BANK DELAWARE (MA)

I had been charged in error on my Barclay Jet blue card for a stay at the XXXX XXXX. I had submitted all the proof of my paid receipt which was charged to my XXXX and they opened an investigation. Even with proof they denied me and kept the charges on my card. I called the consumer advocacy in XXXX and they helped resolve the matter but it too 7 months. The Barclay bank has closed mat account because obviously I refused to pay and had been continually explaining to them the matter was being investigated by the State Attorney General 's office. This XXXX the hotel contacted me and admitted that there was an error and have been trying to send a credit to the card but it is not working because the bank closed the account. The amount of the refund is large and I need help resolving this matter. I feel the bank should also be held accountable for completely disn=missing the facts and not doing anything to help resolve this matter considering the facts were I had a paid receipt and it was extremely obvious what had happened. My refund they are trying to credit me card is XXXX.