davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX  sold an account to LVNV Funding. I have submitted disputes with XXXX XXXX and have been told XXXX is buying back the account from LVNV Funding. However LVNV Funding has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at Resurgences capital or XXXX XXXX XXXX have access to LVNV funding information they are only tasked to collect the debt of which I do not owe. LVNV Funding is also reporting multiple inaccuracies to the Credit Reporting agencies.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/XXXX I noticed there was an ACH transfer from my Navy Federal Credit Union account. I reached out to the customer support team at NFCU. They closed the account and completed a fraud report. They advise me to change my user name and password and run a virus scan on my computer and phone. At which point they gave me access back to my mobile and online banking. They gave me a {$5000.00} provisional refund until the case was researched. 
2 days after I went through this process, there were two other attempts for {$5000.00} each on the brand new account. Once again, we went through the process and opened another new account. I took my laptop to XXXX XXXX  to have them do a thorough check and make sure it was free from XXXX  or anything else. A few days later I called and had my mobile banking reactivated. 
Sunday XX/XX/XXXX, I was balancing my checking account and noticed on XX/XX/XXXX there was an adjustment in the amount of - {$5000.00}. I called them as soon as they opened and they stated my claim was denied. I was asked to send an email addressing my concerns. Which I did, and it takes 2-3 days for a response. I'm on hold as I type this complaint. Hold time is 30 minutes, I will hold for two hours to get this taken care of. 
I'm in the midst of purchasing a home and I don't have 2 or 3 days. I will not be held responsible for the actions of a common criminal, nor should I be.

If you can please help me or point me in the right direction, I would greatly appreciate it.

Kind regards
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (SC)

Any derogatory markings from One Main inclusive of charge off needs to be removed. Due to failure to report for court proceedingsit was dismissed. Deceptive practices were then utilized a 2nd time to have me subpoenaed and further confirmed as dismissed. I do not owe this debt and it needs to be removed expeditiously. If supporting documentation is needed such as court documentation can be provided.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Our Company XXXX XXXX XXXX XXXX is working in the XXXX XXXX for major XXXX XXXX XXXX XXXX. We found the one biggest supplier in XXXX, the company XXXX XXXX XXXX XXXX. 

An agreement contract for trial order was signed and the deal was to sent XXXX XXXX $ as commitment deposit to start the production. 

In the invoice sent by the seller, he asked us to send the deposit commitment to the account branch in Wells Fargo Bank in XXXX XXXX. This deposit was sent the XXXX XX/XX/2021. 
After the reception of the commitment deposit, the Sales Manager didn't answer to us. So after so many researches, we found that it's a scam. This guy used a fake personal identity. Moreover he XXXX  and uses very accurate informations about the real company in XXXX : stamp, licence number, real name of directors, XXXX XXXX licence, inner photos of the slaughterhouse... 

We started different procedures to refund the money and to know the real name of this scammer. 

We sent a report fraud to FBI ( XXXXC3 ), Federal Trade Commission, Internet Provider ( fraud is confirmed and website is suspended ). 

And of course, we contacted Wells Fargo Bank to cancel the transaction. This one is absolutely not helpful and now the bank refuses to give us the real identity of the owner of the account! Even the fraud is completely confirmed.
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OH)

I have had my auto loan with XXXX XXXX XXXX XXXX for 6 or 7 years I believe. In all these years, I have only missed XXXX payments- once in 2016 when my bank account was frozen due to fraudulent activity and I can't even recall what the second one was it's been so long but yet ... .WFDS continues to accrue late charges even though both were made known to them. Also, I have a ten day grace period - my payment is due on the XXXX and I ALWAYS pay before the XXXX. If it were not for incurring continued late charges even though I pay with grace period, my car would be paid off! I am asking that my late charges be waived.
Consumer complaint received 2024-10-06
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. (TX)

Hi My name is XXXX XXXX. XXXX XXXX. I am in the middle of purchasing a home for my family. During the entire home buying process I noticed a cc only credit report. XXXX XXXXXXXX. It was old, no longer was reporting-. I advised to my financial advisor and my XXXX XXXX the card was not mine, I was told file a ftc. I did just that. The account was removed off my credit and my wife and I were s relieved. 

Two weeks went by, I paid off my bills and got my score tot he highest it ever was. I went to my mortgage team and right as we were generating my credit report they noticed the account that was once removed had just come back on. It was removed off XXXX and XXXX how ever it re appeared back on Experian. 



I am being treated unfair. XXXX stole our local towns mail they stole the monthly statements making it difficult to pay my bill. Stolen mail. As the head of my family and the provider, I was not focused on bills. I just make money and pay them. However my wife noticed for 2 months we had not gotten the statement which caused me to be late. As a curticy we asked they remove the lates and in return they removed the act. 

Although removing the act made my credit drop- ( ( due to history - the card made XXXX % oof my credit ) I still didn't make it a big deal because the 2 lates being removed was a goal of mine together the best mortgage for my family. 

XXXX XXXXXXXX not only removed the act, but after 2 weeks they ut it back on with the same lates like it was a new account. It dropped my credit from a 700 to 60XXXX which is not qualifying me for a mortgage. 15USC 1637 ( a ) ( a ) and 15 USC 1666 ( b ) was attached along with a ftc report- In addition to it not being my fault for 2 late payments due to theft I am active military- I am protected from any of negative reporting due to the military act- XXXX XXXX has violated my rights and I am hoping you can get this matter taken care of- Two late payments that was not my fault is unfair. Contributory negligence states a person has a % of fault. In this -- - I have no % of fault. I was the victim, I filed a report. I followed protocol. 

Please get this cap XXXX act removed in its entirely- if they can not update XXXX lateness. 
it appeared on my credit as XXXX 30 days ( XXXX ) 60 days ( XXXX ) 90 days ( XXXX ) XXXX 30 days ( XXXX ) 60 Days ( XXXX ) 90 Days ( XXXX ) Experian 30 Days ( XXXX ) 60 Days ( XXXX ) 90 days ( XXXX )
Consumer complaint received 2022-06-13
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. (MI)

XXXX XXXX in city unities {$1700.00} accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
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. (CA)

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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (MS)

On XX/XX/2022 I received an email from Southwest Recovery Services attempting to collect a debt amounting to {$950.00} allegedly owed to XXXX XXXX XXXX. I am a victim of a recent identiy theft, and this is for certain is not my account, and I do not have any knowledge of such balance owed to such creditor.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT on XX/XX/20 i submitted a dispute for the following account XXXX XXXX XXXX XXXX XXXX account number XXXX, on the first dispute of the account they verified this. so i performed my own investigation into this account, the company failed to respond to my request. so i sent a follow up letter to this company and the failed to respond to the non response letter. i sent the Credit Buerue " XXXX XXXX XXXX all of this information including a collection failed to validate, requesting deletion. i recieved nothing so i opened a dispute online and obtained a confirm number i have attached all of these files to this email. i was told i would recieve my results by XX/XX/20. i still have recieved nothing by the time of this letter. so i called the companys customer service department on XX/XX/20 at XXXX XXXX  PST time, the first individual told me that i needed to talk to the dispute department, so i was transferred, and then was oh hold for 33 mins. before i opened this complaint with the company. until the FCPDA, and FDCPA laws you as a individual have the right to dispute anything inaccuriate or incoorect on your credit file and if you dont recieve resualts or something remains on the report its a XXXX dollar fee per a vilation. everytime they cant verify. after that the first individual told me they couldnt be reached. All other Credit Bereus have removed this account after their investigation but experian refuses to remove this account.
Consumer complaint received 2024-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

Radius Global is trying to collect a debt they never gave me a chance to dispute. I never received any mail stating that they were collecting this debt and they are posing as XXXX on my credit report trying to collect this debt. I mailed them a letter attached and received no response from them.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-06-22
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I rented an apartment via XXXX XXXX in XXXX MD, I agreed that the debt was owed, I paid {$1300.00} of the debt and the remaining {$4600.00} on XX/XX/XXXX. I submitted proof of payment for the {$4600.00} by submitting my bank statement to XXXX Compliance Department in XXXX and again on XX/XX/XXXX. I also disputed this item with XXXX XXXX as well, XXXX XXXX did not ask me for any supporting documentation and refused to removed the debt based on the feedback from XXXX. I am requesting your help in getting this item removed. 

This item on my credit report is keeping me from being able to rent homes/apartment thus leaving me in a position to be XXXX
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 we noticed that {$18000.00} had been removed from my savings account at Wells Fargo. My wife 's phone was hacked somehow. These funds were transferred via bank wire without our knowledge or or authorization by us. We recognized this quickly and contacted Wells Fargo immediately that same day. We froze our savings and checking accounts for fear additional funds would be stolen. After filing a claim report with Wells Fargo online we went into the Wells Fargo Branch ( XX/XX/22 ) in XXXX XXXX, CA and spoke with a banker. The banker mentioned the wire fraud was under investigation and that this process can take some time as they have to first try and recall the wired funds from the receiving bank. If those funds could not be recalled Wells Fargo would reimburse us per insurance. We followed up once a week and each time they would only advise that the claim was still under investigation with no updates. I finally received a letter from Wells Fargo in the mail on XX/XX/22 claiming their investigation has concluded and that the online wire transaction we disputed would not be covered by Wells Fargo. They claim we can not be refunded due to their Online Wire terms and conditions, Online access agreement and deposit account agreement. We did not release any sensitive information or provide authorization to any third party nor have any knowledge of the fraudulent wire itself. In my entire time with Wells Fargo which has been nearly 20 years I have made 1 wire in person. Why was $ XXXX not flagged or shown as suspicious activity in my account?
Consumer complaint received 2022-06-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rapid Auto Loans LLC (FL)

My name is XXXX XXXX and I need your help to get my vehicle title released from Rapid Auto Loans. In XXXX I was going through some rough patches in my life and I needed to pull a loan so I put my XXXX XXXX up for collateral. I went through a company called Rapid Loans. This loan was paid in full. XXXX XXXX I went through a divorce and again needed financial help so I did another loan using my XXXX XXXX as collateral. When my divorce finalized and I got money I was entitled to I paid the loan in full XX/XX/XXXX. I was keeping the vehicle so I did not contact XXXX to make sure the lein had been cleared on my vehicle and trusted the company to do their part after I did mine. Here we are XXXX over 2 years later and I am trying to sell my XXXX XXXX and I find out there is a lean against my vehicle. I have called this company everyday for 2 weeks multiple times and talked to multiple people. All parties I have spoken to says they have escalated my call to upper management but says there is no time frame they will get to it when they can. They also say they have no contact information for " upper management '' that my lean has been escalated to. I am attempting to file fraud charges with XXXX at this point with no time frame as to the release with that either. I have exhausted my options daily trying to resolve this dilemma and the XXXX XXXX customer service just says I can call every day and the result will not change. Can you please advise me on what to do next or help me to contact " upper management '' as they call it to find out why this company won't do their part after I have done mine? Please help I work a 40 hour a week job and I'm exhausted trying to get through to these people.Thank you my contact information is included please help me with my situation.
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-08
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. (NY)

I sent a letter to each of the TransUnion on XX/XX/2022 via certified mail. This is the tracking number for the letter XXXX. The letter was sent to the credit bureau so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report. Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I made a deposit in the atm at Truist bank on XX/XX/XXXX. Deposited {$300.00} and the machine spit out {$17.00} and then a recipt that said can not process your deposit at this time. So we go in the bank and they cant do anything. XXXX handles their atm.so they give me the customer service number I call and they said they can give me a provisional credit after an investigation. I was assuming Id get my money right away. Seeing as this was their machines error. Ive been waiting for days and nothing. So I call today, and they transfer me to another department. They said that I need to just keep checking to see if the money is deposited. At this point I need to pay my bills. This situation is completely unacceptable. I dont understand how Im being robbed by my bank.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX Account # : XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.