davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (NM)

I opened my Wise account in XXXX, and since then, Ive been receiving my payroll into that account. However, Wise never provided me with a physical or virtual debit card to access my funds, so the money accumulated until I was able to switch to another bank with my employer. When I tried to move my money from Wise to my new bank account, they closed my Wise account. Wise claims they need to verify the source of the funds, but their own account statement clearly shows that the only incoming transactions were my payroll deposits. Since I couldn't access my money directly, I was sending funds to my current partner so that I could use my money through him, and apparently, thats where I went wrong.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I wrote out a check from my joint account with my recently deceased father. The check belongs to Huntington Bank. I wrote out the check for XXXX. I received a notification on my phone warning me I may have a shortage of funds in our checking account. The amount of check that was presented to the bank was XXXX instead of what was clearly written on the check for {$6100.00}. The image of the check is online and clearly shows the funds to be taken out for {$6100.00}. I had to deposit an extra {$2000.00} to make sure the balance did not fall short of funding any other checks presented to the checking account. They gave me a case number ( XXXX ) and admitted it was their mistake, but unfortunately they can not correct the amount until XX/XX/year>. I called again today XX/XX/year>, I had XXXX file a complain in their system ( XXXX ) that it is taking too long for Huntington to rectify the situation. 

I am out XXXX. I had to scrounge around for other monies to correct their mistake. This is not the only time I have had issues with this bank.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P. (IN)

1.Required by 12 CFR 1006.34 ( B ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been offered the opportunity to dispute the account in accordance with.

12 CFR 1006.34C ( 4 ) ( 1 ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt.

3. LVNV FUNDING LLC has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers.

4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( 7 ) ( A ). LVN FUNDING LLXXXX is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

I first sent an email for verification of the debt on the collection onXX/XX/XXXX and received an email on XX/XX/XXXX notifying me the email had been received. It has been 108 days since Ive sent my initial email and still have not received a letter of debt validation / verification.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

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 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CA)

Between XX/XX/XXXX and XX/XX/XXXX, I attended XXXX XXXX, where I was misled into taking out student loans that now total {$78000.00} across 12 different loans. Throughout my time at the school, XXXX XXXX provided inaccurate and misleading information regarding the cost of education, the availability of scholarships, and the future earning potential of graduates. 

The school encouraged me to take out multiple loans without fully explaining the long-term financial impact or offering viable alternatives. They assured me that the education I received would justify the debt and lead to significant career opportunities and income. However, the reality was far different. The quality of education and the career services offered did not match the promises made during the enrollment process. 

I repeatedly reached out to the school 's financial aid office to better understand my financial obligations, but I was either provided with vague responses or reassured that everything was standard procedure. I now find myself burdened with a significant amount of debt that I can not reasonably repay, given the education I received and the job market I encountered upon graduation. 

I believe XXXX XXXX engaged in predatory practices by not fully disclosing the true costs and potential outcomes of their programs, which has resulted in this substantial financial hardship.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I got a letter in from Wells Fargo XXXX XXXX XXXX when I have fill it out today and received it in the mail and sent it back in the mail to yall department today I want to know when will they call me or how will they contact me and how My name is XXXX XXXX XXXX and contact me at XXXX they can call me or email or do both and how do their process and please give me their contact information too to contact them because I dont have it and tracking number is XXXX and Wells Fargo case number XXXX and read the letter below account number is XXXX I want them to call me or email or do both please please have them to contact me etc.
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am writing to formally dispute an account that has been erroneously reported under my name. 
I have disputed this account on XX/XX/year> when I first recognized the debt for the amount of XXXX. 
It came back verified, How I'm not sure no proof was received in the mail or giving to me by XXXX. I asked for a reinvestigation on XXXX asking for proof of ownership and it came back verified again. 
I do not recognize this account and believe it has been reported incorrectly. I have reviewed my records and can confirm that I have no ownership or association with this account. 
Im not sure how this agency got my information or if they even have the right to report this debt. 
I request that you investigate this matter and remove the incorrect account from my credit report. Please. Thank you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID Type : Drivers License ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XX/XX/ Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with Early Warning Services , LLC. I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 


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 XXXXXXXX Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (IL)

Venmo finally remedied my last complaint. I had unauthorized transactions. I wasnt sure who was doing them my card would go missing. Until the other day when my ex roommate stopped by on my payday. When I left my phone alone with him. He sent my money to himself off my phone. The money paid to me by his dads live in girlfriend. He knew I got paid that day and had been fighting with his dad about his dad kit given him money he felt entitled to. When i discovered this unauthorized transactions. I confronted them through text message. Saying send my money back. There response was admitting it saying wasnt planned just opportunity. He apologized I was affected by it. But basically to bad want sending it back. I contacted Venmo about it realizing. It was most likely this person who had done the toner transactions. Everything started smoky sense. The last were done in XXXX. They spend alot of time there before that. The hotel refunded me because it was man using my card they rented the room to. Venmo knows all of this I provided the text message/and proof that the accts money was sent to I was never friends with before that day or ever sent money to. Also showed this person had been making new acct when Venmo would close XXXX for not following their rules. They denied my dispute shockingly again for the reason it is similar to my other transactions. Which to me is crazy Ive never not once sent money to this new account that it was sent to. The fact they can use that as a reason is absurd. I just want my money back
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XXXX Toyota Motor Credit Corporation ruined my excellent credit with their poor accounting. They dropped my credit score by XXXX points. First stating the XX/XX/year> payment was last ( you can see proof enclosed that it was not late ). Then Toyota Motor Credit Corporation stated it was the XX/XX/year> payment that was last ( see their email confirmation that it was paid on time ) I have enclosed a outline of events, along with what Toyota Motor Credit Corporation reported to the creditors that every payment was timely. But Toyota Motor Credit Corporation refused to correct my excellent credit score. The consumer provided the following when submitting the Complaint to XXXX  The consumer provided the following when submitting the Complaint to XXXX
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX a series of Zelle payments were made, 4 of them to a person called XXXX XXXX. I work constantly and, I told my self I would report fraud to my bank when I was not at work. It slipped my mind as I have two jobs. As of today another series of Zelle payments were made to a person called XXXX XXXX 3 payments were made. I decided to call my bank today to finally dispute these and get some answers for myself. XXXX  XXXX said they will take my statement for all of the Zelle payments and that its very unlikely Ill get my money back. I do not understand how someone could have gotten access to my things and how there is possibly nothing that could be done. In my statement I said I dont recognize either of those names and that I never made any of those payments. They said I can get my account fraud checked and that I could possibly press charges if nothing could be done. I just need my money back because this is ridiculous and how is it that no one can do anything.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (OH)

This letter serves as a formal demand to XXXX for the immediate removal of the inaccurate and fraudulent Kikoff Lending account, Account No : XXXX, from my XXXX credit report. The account is being reported inaccurately with late payments for XX/XX/year> and XX/XX/year>, which violates FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This section clearly states that a consumer report does not include any report containing information solely regarding payment history or utilization between the individual and the company making the report. Therefore, the reporting of these late payments is not only unlawful but constitutes a direct violation of federal law.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that XXXX block this fraudulent information within 4 business days as required by law. The reporting of this account and its associated derogatory remarks is both fraudulent and harmful to my credit.

Under FCRA 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The information being reported by XXXX is inaccurate and unverifiable, violating FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that inaccurate or unverifiable information must be corrected or deleted within 30 days. Given the seriousness of this issue, I demand the immediate removal of this account within 14 days of receiving this letter. 

Noncompliance with this request will be considered a willful violation of FCRA 1681n, entitling me to statutory and punitive damages. If this issue is not resolved promptly, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Please provide written confirmation that this account and its associated derogatory remarks have been permanently removed from my XXXX credit report within 14 days of receipt of this letter. 

These letters are now clear about which bureau they are directed to ( XXXX or XXXX ) and are stronger in tone. When sent to the CFPB, they will clearly indicate which letter corresponds to which bureau. 

Please remove the inaccurate late payments for XXXX and XX/XX/year> for account XXXX from my credit report & stop reporting account XXXX to my XXXX credit report. Reporting this violates FCRA 1681a ( 2 ) ( A ) ( i ). I demand immediate correction.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called LVNV Funding LLC, officially registered as a debt-buyer with the XXXX XXXX XXXXXXXX XXXX ( XXXX ) and bonded within the state of Texas. I have attached copies of the three credit posts that show as a debt buyer for a debt that never belonged to me, and under the Fair and Accurate Credit Transaction Act ( FACTA ). As a federally bonded agent in debt collections, LVNV Funding LLC did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that LVNV Funding LLC remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas and the compliance office of the XXXX.

( 3 ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not, and must be deleted permanently from each credit bureau, XXXX, XXXX, and XXXX XXXX respectfully. 

XXXX XXXX