davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, I am writing to you regarding my discovery of derogatory marks on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I believe these derogatory marks stem from that traumatic experience. 

As a survivor of XXXX XXXX I have faced immense challenges in rebuilding my life and reclaiming my financial stability. Unfortunately, these derogatory marks on my credit report serve as a constant reminder of the abuse and exploitation I endured. 

I kindly request your assistance in blocking these derogatory marks from my credit report. I am working diligently to overcome the repercussions of my past experiences and rebuild my creditworthiness. However, these marks only serve to hinder my progress and perpetuate the cycle of trauma and it has. 

XXXX XXXX XXXX XXXX has not only made it difficult to get information from them but to give them information as well. I still remain clueless as to where I would send documents because I have been instructed not to do so through the email in which I have corresponded with them a few times on. But this investigation has gone on for so many months now and it still remains on my credit report and I have done nothing but be very transparent and willing to give them information. They're just running from cause they don't want the truth or anything that's going to benefit my situation it seems. 

I understand the importance of accurate reporting and the integrity of credit information. However, in cases of extreme circumstances such as XXXX XXXX  I believe there is a moral obligation to provide support and assistance to survivors. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me at XXXX or email XXXX if you require any further information. 

Thank you for your understanding and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

whom it may concern, I am writing to address a matter of concern regarding inaccurate information that has been filed on my credit profile. In XXXX of XXXX, I opened an account with XXXX XXXX XXXX Unfortunately, due to a financial hardship, I was unable to fulfill my obligation and this resulted in consistent delinquency reports being sent to all XXXX credit bureaus for a period of seven years. Eventually, the account was charged off as bad credit and closed. 
However, to my surprise, after the seventh year, my collection debt was sold to LVNV Funding LLC, an agency that reopened my account as if I had reapplied. They began reporting a new delinquency date of XX/XX/XXXX on one of my credit reports. This is a clear case of fraud and I urgently request that this information be removed from my credit profile without delay. 
It is important to note that when a collection agency is unable to recover money from an individual, they have the option to resell the debt to another collection agency. However, the original date of delinquency should remain unchanged. Therefore, it is not permissible for the collection agency to report old debt as new debt. 
I kindly request that you thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my credit profile. It is crucial for my financial well-being that my credit history reflects accurate and fair information. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (NV)

This company calls at least 4 or 5 times daily and leaves the same message. I finally called them back on XX/XX/2024 to see what was the debt and he told me. I told him that I was going to pay it on my next pay date or when I received my tax refund which would be sometime in XXXX and I tried telling him to stop the calls but he started yelling at me and did not want to listen to reason so I hung up on him. The company name is Sequium Asset Solutions. Unfortunately I did not get the persons name. I would like for this company to quit calling me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (SC)

Synchrony Financial, on behalf of Lowes, fraudulently accessed my credit report on XX/XX/scrub>XXXX I have a credit alert on my credit report due to ongoing identity theft. I called Synchrony to request they remove the inquiry. I was transferred to someone in XXXX who was adamant I give my full social security number. I refused and requested someone within the United States. To nobody 's surprise, they only needed the last four digits of my social.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (LA)

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Caine & Weiner Dear Sir/Madam, I am writing to file a formal complaint against Caine & Weiner regarding their attempts to collect a purported debt from me. I dispute owing any and all debts to Caine & Weiner and request your intervention in resolving this matter. 

Firstly, I want to emphasize that I am revoking all rights of Caine & Weiner to communicate with me via email, text, or phone calls regarding this matter. I request that they cease all forms of communication immediately and correspond with me solely via written mail. 

Furthermore, I am requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Caine & Weiner has failed to provide any documentation or evidence proving the existence, validity, and ownership of this debt, including but not limited to : 1. The purchase agreement between Caine & Weiner and the original creditor. 
2. Proof of licensure and bonding as required by law. 
3. Any agreements or contracts that demonstrate my obligation to pay this debt. 

It has come to my attention that Caine & Weiner has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is in violation of my rights under the FDCPA. 

Additionally, I have not been given the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( * ). Caine & Weiner 's actions constitute false, misleading, and deceptive practices, which are clear violations of consumer protection laws. 

Furthermore, Caine & Weiner has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as per 12 CFR 1006.34 ( D ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Caine & Weiner for their unlawful and unethical practices. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AZ)

This debt collector " Credit Management LP '' engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA I am entitled to XXXX XXXX Dollars per violation which clearly they violated my rights. They are furnishing a fraudulent account from XXXX XXXX acct number XXXX twice on my XXXX credit report. This is not my account and I am a victim of identity theft.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Collection Systems, Inc. (SC)

On or about XXXX2024, I reached out to all three credit bureaus ( XXXX, XXXX, XXXX ) to dispute inaccurate information on my credit report. Upon me providing them verification they advised that my information provided was incorrect. In addition, several accounts on my credit report is not my information to include, education loans, previous addressed, cell phone vendors account, previous educational institutions. Lastly, there are several inquiries on my account for auto dealerships that I have never applied to all of which I have requested to be removed and the creditors fail to do so and take my information and update the records to reflect the information I gave so as to insinuate that the collections on the account are mine.
Consumer complaint received 2024-02-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXX XXXX  has been reporting negative and incorrect information to all three credit bureaus. The alleged debt shows to a XXXX XXXX account. Not only do I have XXXX recollection of a XXXX account, the account is also being reported while clearly ignoring FCRA and FDCPA. Not only is the account not validated, following multiple written requests, the alleged debt is listed as a collection item, while simultaneously reporting a past due balance ( not a revolving account ) and reporting late payments every 30 days ( again, not a revolving account ). This is clearly against both FCRA and FDCPA, and XXXX XXXX lack of communication and/or attempt to fix the errors has caused a tremendous negative effect to my current situation.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (AP)

I first reached out to the XXXX XXXX XXXX XXXX and again in XX/XX/XXXX regarding discrepancies in transactions associated with my Apple Card and account issues related to my Apple ID, which were affecting my ability to access card details and transactions. The 9 transactions under discussion were the only ones listed on the statement that had to be separately requested due to account and email address complications. I had also had a change to my Apple ID and XXXX account due to my account access issues. 

Moreover, there were additional unauthorized transactions beyond the mentioned 9 from the previous complaint, totaling {$2600.00} in the XX/XX/XXXX statement. Among these were charges such as {$240.00} to XXXX XXXX and payments to entities like XXXX XXXX XXXX, a daycare service, neither of which I have any association with. Despite attempts to resolve these issues directly with vendors, such as XXXX XXXX and XXXX, they confirmed my lack of association with the charges and advised me to dispute them with the Card Issuer, which I promptly did. 

XXXX XXXX XXXX XXXX 's claim of confirming my possession of the device linked to the Apple Card during the transactions, this assertion is inaccurate. Following my return from a XXXX in XXXX of XXXX, I switched to a XXXX device running on the XXXX platform, rendering it incompatible with the Apple Card. I had also informed Apple about this during the period in question. 

Despite my efforts, the Bank failed to provide any updated statements or investigation outcomes to my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XXXX. In response, I provided a signed statement along with various screenshot evidence, including bank statements from XXXX and XXXX, demonstrating my transactions and business associations during the relevant timeframe, which contradicted the claims made by the Apple Card statements. I have attached the only statements I have been provided regarding the account.
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

Wellsfargo charged off this account with no previous delinquency in XXXX of XXXX. This loan was taken out by a primary borrower who to this date is an active service member of the military. The team at wellsfargo have been contacted a considerable amount of times requesting the XXXX form, validation, verification of agreement, and action and no such documents have been produced- it is now XXXX of XXXX and the company has written this off, failed to due their duty for the active service member, and continue to report false information while negatively affecting someone who is a protected class.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: OneMain Finance Corporation (CA)

My complaint involves Brightway credit card  ( OneMain Financial ). On XX/XX/year>, XXXX XXXX processed a balance transfer payment in the amount of {$1600.00} to my Brightway credit card ( with an additional transfer fee of {$81.00} ). Since then I have been monitoring my Brightway account for the payment to post and when I noticed today ( XX/XX/year> ) that it still had not posted I called Brightway customer service to inquire about the delay. I was told they would not honor the transfer and was told that instead they would provide me with an APR reduction. I was told that I could make a payment on my own for the same amount but was told they would not allow the balance to be transferred to another card. I advised the agent I wanted to file a formal complaint because I confirmed earlier today with XXXX XXXX that the payment was in fact issued on XX/XX/year> but Brightway has not returned the money. The Brightway agent took my statement and stated that he would file a formal complaint on my behalf. I called back 30 minutes later to inquire about the next steps and was told that all I could do was call back sometime next week. I then called a XXXX agent and was told she would put in a request for a balance transfer recovery but she said she had never heard of a credit card company refusing a payment for a balance transfer. She said she was not sure that they would be able to assist me in recovering the missing XXXX payment. She said she would also request that the {$81.00} balance transfer fee be waived but could not make any promises.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an account with XXXX XXXX  and I initiated 6 wire transfers through XXXX XXXX  during the period XXXX XXXX. 

On XX/XX/XXXX i wired {$40000.00} to XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America , National Association : Bank addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Routing number XXXX from my XXXX XXXX  account. 
XXXX claim number XXXX XXXX The above money was wired by me to this fraudulent account through a whatsapp scam. I already complained to XXXX XXXX XXXX to follow up with BOA to recall this wire. Despite numerous attempts, BOA didnt respond immediately and finally XXXX received a response as below XXXX XX/XX/XXXX, we received a message from the beneficiary bank stating the funds are no longer available for return. We initiated a wire recall request to Bank of America for {$40000.00}. We received a response from the beneficiary bank stating they need a Hold Harmless Indemnity Agreement to be sent. To follow up on the Hold Harmless Indemnity Agreement. 
XXXX asset trf team has already sent this when i spoke to chase on Thursday XXXX but there has been no communication from BOA. Appreciate if you could work with BOA to assist with this process so we dont delay any further the wire recall process and we end up not having any funds in that account.
Consumer complaint received 2023-07-31
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Between XX/XX/XXXX through XX/XX/XXXX my information was apart of a security data breach. The criminal used my personal information social security number, address, phone number. I dispute this claim more that 10 plus times the amount is XXXX was transferred to someone I dont even know for a pay any ton Chime. This is too much to handle I am a single mom it was my paycheck.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (TX)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

My account and information were hacked by several companies. Last year XXXX XXXX XXXX, my account was hacked, money was stolen and transferred out of my account and my information was changed. I called, my money was returned weeks later but obviously my information was stolen and damage done. 

With credit karma, same thing. My account was hacked and information changed and stolen. Nothing big was done. I just had to verify my identify to get access back to my own account. I did that. Damage done, information changed and stolen.
Consumer complaint received 2023-07-31
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
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. (SC)

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX 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 2023-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I XXXX XXXX refuse to pay this debt, my dads ice cream truck caught fire all monies is now tied up.