davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.
Consumer complaint received 2020-02-17
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have sent Numerous notices to Experian to delete the inaccurate accounts they could n't verify or Validate to me. This is an Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 et. Seq. ) These accounts are not mine & need to be delete from my credit report
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Key 2 Recovery, Inc. (GA)

This company has repeatedly reported this collection on my consumer credit reports and will not provide proof of this account. I have reached out multiple times requesting proof that I owe the amount stated for multiple years and still no response. I have been trying to dispute this account and the company keeps saying it is accurate. I have also requested a copy of the original contract that I physically signed, supposedly agreeing to their payment terms when I opened the said account, but this company has not provided it. The said amount is XXXX stating the account was opened in XX/XX/year> which is inaccurate and unverifiable.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

This involves XXXXXXXX XXXX XXXX  and Wells Fargo bank that everything happened. I got a remote part time job offer from a company called XXXX XXXX who indicated that XXXX XXXX XXXX products and get paid through commissions. The HR said that they found my resume online and sent out the offer. I went through the XXXX day training with a trainer called XXXX on XXXX and the company link was forwarded to me to create an account and begin work. At the end of the training and getting started with work, I was able to withdraw my commission on the same day. The next day I logged in as usual and started my task but couldnt continue because I experienced something called advanced task which was new to me and it was explained that for advanced tasks, youll have to remit the payment to get your task done and then withdraw your down payment and commission at the end of the day. The advanced task came with a higher commission and the customer service personnel confirmed that it was not likely for someone to encounter advanced task as they came with higher commission and until you remit the payment, you cant proceed to complete the task and get paid. I complied and got done with the task and was able to withdraw my commission together with the funds I added. Fast forward the next day, it happened again, and I was stuck so I did the usual of adding funds in hopes to get it back at the end of the day but the amount was huge close to {$1500.00} so I had to find ways to remit that and complete the task. Also, all funds transactions were done through purchasing crypto currencies to make payments and to withdraw funds from the job pay. That is how XXXX, crypto.com and strike came as a suggestion from my trainer and the customer service representative. There is also a XXXX group for us where we share encounters and ideas concerning the job. I remitted the payment and it happened over and over again that my account was locked and I couldnt withdraw any money because they asked me to pay {$14000.00} after having my money of about {$15000.00} locked up. I had to borrow from friends to get through the task hoping to get the money back at the end of the day but I later realized that it was fraudulent because they started blaming me for causing errors in withdrawal process. I contacted Wells Fargo, XXXX, and crypto.com but they are not providing any positive feedback and strike app had my account closed. Wells Fargo opened a claim but it was denied and closed. I really need help getting these funds back to pay back all my debts. To add up, I also did a wire transfer through Wells Fargo and the company happens to be in Florida according to my trainer who sent me a picture of herself and kids stating that she had worked on the job for XXXX.
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (NJ)

I applied for and received a personal loan From One Main Financial a couple of years ago. The loan amount owed is {$3400.00} I've been making monthly payments and the balance remains the same. 

This seems to be a predatory loan. The balance seems to keep increasing, and when I make my monthly payment of XXXX, they only seem to credit up XXXX dollars towards the loan so the balance never decreases. 
I don't have paperwork in this loan it was signed electronically in their XXXX New Jersey office.
Consumer complaint received 2024-10-30
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: WELLS FARGO & COMPANY (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (TX)

According to FCRA this creditor has violated my rights. 

Under 15U.S. Code 1681 section 602 states I have the right to privacy. 

15 U.S. code 1681 section 604a section 2. states that a consumer reporting agency can't provide an account without the consumer 's written instructions Under 15U.S.code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX a fraudulent transaction occurred. An online payment # XXXX to a XXXX credit card in the amount of {$4300.00} was withdrawn from my checking account. I discovered this on XX/XX/XXXX and immediately call Chase Bank and submitted a claim. I was interviewed and told them this was not my transaction. I was told they would investigate. After not hearing anything for a week I called again. They credited my account. a week later the credit was reversed. I have called every week trying to get answers. I received a letter stating the transaction information was authorized.Finally on XX/XX/XXXX I was able to connect with a supervisor named XXXX. He looked at the claim and stated that there were some red flags and would look into it. He stated that I should receive the credit, but it might take 35 days. Today I received another letter dated XX/XX/XXXX that no adjustment will be made at this time.
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. ()

My tenant, in Florida, deposited cash to suntrusts ( Holiday branch ), night deposit box mid XXXX and again mid XXXX. What we didnt know was that suntrust stopped allowing cash deposits in XX/XX/XXXX. I contacted the holiday branch of suntrust and spoke to a rep, told them my problem. That I am in the XXXX and not in the USA until XX/XX/XXXX at the earliest. Since I spoke to a rep over a month ago, they have done nothing. No returned emails, no phone calls, no letters. Nothing. The amount was 2 deposits of {$700.00}. {$1400.00} in total. On the deposit slip was my XXXX XXXX, fl, account number. 
Suntrust knows 100 % what has happened but are sitting on my money deliberatly and not transferring it from the Holiday branch to my account in XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Receivable Management Services LLC (CA)

It has come to my attention that this debt collector has engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree on and I also didnt sign an agreement on. It is known that a legal contract is signed by two parties and I did not participate in any of it. Furthermore, they didnt follow the XXXX step validation procedure which makes this unfair practices. Now according to the FDCPA I am entitled to XXXX XXXX  per violation and they have clearly violated my rights.
Consumer complaint received 2024-10-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial LLC (CO)

I keep receiving calls from a company named XXXX XXXX XXXX on behalf of Assured Financial about a debt with XXXX XXXX  I have never taken a loan from this company or have any recollection of this company. The Rep 's name is XXXX XXXX, who said I was being sued and would need to go to court pending a letter of litigation. She asked me to verify my address, but I said to send the letter. She proceeded to say that this has been escalated and I can fight it in court. 

I do not have a loan and was not given any information outside of an amount and that I will have to go to court.
Consumer complaint received 2020-02-18
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. (SD)

I contacted TransUnion several times ( 3 ) to correct the balance on an existing credit card ( XXXX XXXX ) to reflect a XXXX balance but they did not and at my third attempt they deleted the account all together. I requested a supervisor and spoke to " XXXX XXXX " from an XXXX division who said I have to now contact XXXX XXXX to have them put it back on my report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Rausch Sturm LLP (TX)

During XXXX I went through financial hardship, resulting in late payments to my XXXX XXXX XXXX. They gave the account to XXXX XXXX XXXX to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with XXXX over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXX 's Post-Judgement Discovery Request '' from XXXX XXXX XXXX, representing XXXX, claiming that I still owe {$3900.00} XXXX talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to XXXX. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, XXXX has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from XXXX about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  - XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> Name : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Previous XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX AND Employers XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

Card ID # : XXXX Dear US Bank Customer Service Team, I am writing to formally request an immediate refund of {$1000.00}, which was withdrawn from my account via unauthorized ATM transactions. These transactions were conducted without my consent, as my debit card was stolen and not in my possession at the time they occurred. Under the protections of Federal Regulation E, I expect full reimbursement for these unauthorized transactions without further delay. 

I have provided substantial evidence demonstrating that I was not physically present during the transactions in question. Specifically, I supplied documentation of my check-in at the XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/year>, confirming that I was not in the vicinity to perform any ATM withdrawals. Despite these facts, I have yet to receive my refunded funds. 

Per the terms of Federal Regulation E, I am entitled to a prompt and full refund for unauthorized electronic transfers. I urge you to conduct a thorough review and expedite the refund of my {$1000.00}. Please be aware that if my request is not resolved swiftly, I am prepared to seek legal representation to recover my funds. 

To my knowledge, there is no documentation proving my involvement in these transactions, and my absence from the location at the time further supports my case. The proof provided was a list of food transactions and automated payments from XXXX. Nothing within this documentation holds me accountable for these charges and I am protected under federal law. 

Please consider this my final request before pursuing legal action.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am submitting this complaint regarding the ongoing lack of communication from XXXX XXXX, XXXX concerning a debt of {$4100.00}. On multiple occasions, my attorney and I have made extensive efforts to reach XXXX XXXX to discuss a settlement of this debt, yet we have received no response to date. 

To provide context, I was served a summons from Portfolio Recovery Associates, with XXXX XXXX acting as their legal representative, for this debt. After multiple unsuccessful attempts at service, I retained legal representation, and on XX/XX/year>, we successfully quashed the service of process in court. Since then, my attorney and I have attempted to contact XXXX XXXX numerous times via phone calls, emails, and mailed correspondence in order to negotiate a settlement. 

Unfortunately, despite our clear willingness to resolve the matter, XXXX XXXX has not responded to any of our outreach efforts. The only instances in which we have received any form of acknowledgment from Portfolio Recovery Associates or XXXX XXXX have been when I escalated the matter through credit bureaus or by submitting formal complaints. This lack of response has caused significant delays in addressing this matter. 

I am submitting this complaint in the hopes of facilitating direct communication with a representative from XXXX XXXX, XXXX to expedite a settlement process. I respectfully request prompt assistance in this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2024-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (NM)

I have been receiving calls intermittently for a few weeks on a company cell phone from this number. I finally was able to answer since I was driving and a man told me it was an attempt to collect a debt. I asked if he had my address and he read it off to me. I asked him to mail me the information so I could focus on driving and he told me he would not and that [ they ] had spent {$50.00} mailing me already which is undeniably false, which also made me wonder if anything he was saying was true. I told him not to call me at the number he reached again and hung up.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial (TX)

The reason I disagree with the information on my credit report : I have fraud alerts set up due to my credit being used by my former spouse XXXX XXXX and his new spouse XXXX XXXX XXXX My home phone, cell phone, email, Last name and Employer are inaccurate and this information what they are using to obtain signature loans in my name. 
I do not possess a bank account XXXX ending in XXXX with the account ending in XXXX. I have not applied for or given anyone else permission to use my former name and information to acquire signature loans from Spot Loan and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NE)

I have been getting my direct deposits to cash app for a few years now when all of a sudden the morning of XX/XX/year> they closed my account the morning my direct deposit came in somehow putting me XXXX with XXXX in savings that I cant get out guy they canceled my card claimed they mailed my check to my employer wont give me a tracking number my employer called them with no luck for answers I have on multiple occasions all they say is I violated their terms but cant provide me with what I specifically violated when I know I havent this all leading to me being stuck out of town working with absolutely no money and Ive yet to know where my money went with no explanation I am very angry as I need my weeks worth of pay that basically got robbed says that Block , Inc. is federally regulated by the Consumer Financial Protection Bureau ( CFPB )???? Also how am I negative?