davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

This letter is regarding debt you say I owe, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damage for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the fair Credit Reporting Act and fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purpose of 15 USC 1692 et seq., the Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, waiver status. 

XXXX XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year>XXXX  regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (AK)

In 2019 when I was applying for the XXXX XXXX XXXX XXXX  the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2024 i, XXXX XXXX XXXX deposited {$55000.00} ( mortgage disbursement ) into my Business Account i.e. XXXX XXXX XXXX XXXX at 5/3 Bank account # XXXX. Prior to the deposit I consulted the Banker about " holds ''. Boasting a 20 year history-he offered that the check appeared legitimate ( XXXX XXXX XXXX XXXX and would likely be accessible within 24-48 hours. This account is XXXX years old and has had checks of this size tendered before. There was a small balance in the account at the time of deposit. On XX/XX/XXXX I checked only to find that my entire account had been " Blocked for Fraud '' and the Cash Card Cancelled. When I inquired further it took XXXX calls and proving my identity to non english speakers of the *Special Team would not tell me anythingn except that the check created a *A fraud Alert in their system ''. Call back in 24 hours. When I called back XX/XX/XXXX, my information was " difficult '' to find in the system. Horrified I went to the Bank Branch spoke with a Loan Officer who called a Supervisor-who basically repeated that the XXXX XXXX Representative Disbursement Maker had not responded and I would receive a call when they did. XXXX XXXX Representative never received a call from XXXX. They deliberately held all of my money, lied repeatedly about the progress. Misrepresenting the facts, asking irrevalent identity questions with outright LIES.I received no calls about the extended hold, cancelled card or progress.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MN)

For over a year Ive received emails from Chime Financial Inc saying I have an account, or thanks for updating your account, etc but Ive NEVER opened an account or even heard of Chime. I have emailed and called the company asking how my information was used if I never signed up and they were not helpful in any way. Today I received XXXX email alerts within XXXX minutes saying Ive been sent money to my chime account from many many different people which I assume is either a fishing email and scam/fraud. I want the company to delete all personal information of mine they have and never contact me again. The emails come from XXXX and XXXX chime financial inc XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Coinbase, Inc. (AL)

ON XX/XX/year> A XXXX WAS AUTO DEBITED FROM MY COINBASE FUTURES ACCOUHT AND RECLAIMED BY COINBASE. THIS DEBITVQAS FOR THE AMOUJT OF XXXX. ALL THE WHILE I PAIDXXXX SAME DEBIT WITH XXXX BUT NOW COINBASE WONT ISSUE A REFUND FOR XXXX EXTRA PAYmenT.
Consumer complaint received 2024-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (NY)

I requested a forebearance from mortgage company in XXXX of 2024. I did not receive a forebearance, but rather I received an outrageous repayment plan that is more than 3/4 of my monthly income and Im on XXXX.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AL)

VENMO!!!!!!! I needed money for bills and a friend sent me XXXX dollars. Its my first ever Venmo transfer. Venmo doesnt let me transfer funds to either of my bank accounts keeps saying something went wrong. Not able to complete. So I go to their crypto page purchase XXXX XXXX XXXX to transfer to my external wallet and cash it out there. Wont let me do that either. Frustrated and without a clue in the world no warnings or pop ups for information I sell the crypto back and boom they hold the funds for review!!!!! They made me spend XXXX dollars to try and access my funds to my bank account and they so say have a right to still hold my money and I Might have access to it in XXXX days. Today is XX/XX/year> eta for funds access is XX/XX/year>. They claim all is subject for review so at their will they can hold my money charge me XXXX dollars and then lock my funds up for the sake of their integrity is what I was told. Why hasnt anyone shut these places down yet. XXXX and Venmo are the absolute worst. Charge you everything so you get nothing back. I have XXXX XXXX that will be without water and electricity and food because of these poor actions taken by these fintech monsters. Please help asap
Consumer complaint received 2024-09-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd (GA)

XX/XX/XXXX I am sent an email to show proof of my wealth, same day I wrote back explaining my business and asking for specific documents required while submiting an earning statement, and uploading my personal bank statements, documents rejected. XX/XX/XXXX I submit my tax returns and was told it would be reviewed manually, XX/XX/XXXX documents rejected. XX/XX/XXXX wise asks for more proof, I uploaded my earning for the past 3 months, now paused all incoming deposits, and all documents rejected. After I finally submitted the right document on XX/XX/XXXX, those documents were accepted I was told the relevant team will need XXXX business day to review the documents. Since XX/XX/XXXX I have been calling wise multiple times a day, the customer service are from 3rd world countries, barely any english and they all read a script. There are no supervisors, I have talked to 2 by some miracle and was hung up by one of them. Customer service has no power at all to do anything once so ever on my account. Since XX/XX/XXXX I have had thousands of dollars held by wise, no proper communication, my account was deactivated with money in it. Here is the best part, in order for me to recieve my money i was told the relevant team must review my case first...... so I basically got robbed. This has caused extreme ramafications, I am currently behind on payroll, invoices, credit cards, and I have no personal money as it was all invested in my business account with wise. I can show proof for everything I have stated here, not one single lie told. This is affecting my way of life, I am relying heavily on your support! 

XXXX XXXX Thank You XXXX XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Never received any notice of this debt. The debt is not mine, and i am a victim of Identity theft. I sent three communication to CAPITAL ONE AUTO FINANCE AND NEVER RECEIVED A RESPONSE. THIS IS NOT MY ACCOUNT AND I DONT KNOW WHO ACCOUNT IT BELONGS TOO
Consumer complaint received 2024-09-11
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: DISCOVER BANK (NJ)

My wallet with all my information was stolen around XXXX of 2023. All my important information was taken and used without my knowledge. My Discover credit card and my XXXX XXXX XXXX XXXX credit was what took a hit. Both were disputed, however, the impact on my credit profile was not handled on both. 

Moreover, the disputes with XXXX is now resolved, but Discover still has an open account where my utilization is over 100 % due to the fraudulent charge on my Discover account. I got a police report and met all requirements that were asked of me, but the fraudulent charge is still on my Discover account. My credit score plus my credit profile is taking a beating because of this issue. I hope this can be resolved as soon as possible because I take my credit profile very seriously and utilize my credit for business purposes. 
Thank You!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

on XX/XX/year>, I called to the number of the back of my debit card XXXX XXXX XXXX, to ask how secure was to pay thru XXXX to someone that I don't know, and I was advise by their employee to " go head and pay '', since I wanted the customer service to understand what I said, I asked her again ; are you sure because I don't know the person and I am nor sure if I am going to get my tickets for a game, she repeat to me " that I can file a dispute if I don't received. I did pay {$500.00} for the ticket and this person XXXX XXXX, didn't send the ticket. I called the bank and I placed the dispute the same day. now they are telling me that is not their problem, the person didn't send the ticket. I went to the bank where is my account and I spoke with the manager, he told me that they are not responsible of XXXX, because this is an application that they don't belong to them. I told that they should be responsible since is offered or listed under their application and therefore I used. I learned that they that XXXX and Citibank are two separated companies. anyway I told the manager, that they should be held responsible since I was advise by their employee, that it was safe to pay. I rescuested the manager for a copy of the conversation since they recorded, and the manager told me that they can't get a copy of the conversation that I had with their employee. I told the manager, that they should be held responsibility of their employee overseas because I did the transaction since I was convinced mostly for their employee because she gave me certain that my money was safe. she never told me that there was a chance of me losing the money, because XXXX is a separate company of Citibank. please help me to get the answer on my case because I felt alone on this matter with them. thank you, for your help
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (GA)

the company resurgence has no contract with me to them however provided information that states i have a contract with another company that can be assigned- i asked for that assignment document and it has not been provided why can they present my personal information and respond on behalf of a company with no documentation- i demand to see what authority they have as no response has provided that information this report will be eli aged should they again fail to respond
Consumer complaint received 2024-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC (CO)

I am a home owner in Colorado. In the past year I was forced to seek assistance with my mortgage payments due to being out of work due to XXXX I was XXXX  to something called The Homeowners Assistance Fund or HAF. I was approved for assistance from HAF and received funds which was supposed to bring me current on my payments up to XXXX of 2024 according to my case worker from HAF. I have seen records from HAF & The state of Colorado telling me all of the Funds was sent and received by my mortgage company, Planet Home Lending or PHL. However PHL is reporting to me that the final payment for the month of XXXX was not received. I have been sending records back and forth with the mitigation department at PHL since the end of XX/XX/year> and finally are apparently waiting for the state to respond to the mitigation department at PHL. It is now XXXX going on XXXX and this payment is still missing and is being reported as such on my credit effecting it negatively I feel bullied by PHL a little bit, and my case worker alluded to maybe PHL is not being entirely honest about this missing payment. I have multiple emails from my caseworker indicating this missing payment has been sent to but PHL says other wise.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (VA)

On XX/XX/year>, I received a warrant in debt summons from XXXX XXXX XXXX stating that they purchased an alleged debt from Indigo aka Genesis FS Card Services for a credit card that was taken out in my name and was unpaid. This was the first time I ever heard of Indigo or Genesis FS Card Services. When I opened up the paperwork from XXXX XXXX XXXX they included the credit card statement from Indigo where it showed a balance of {$1300.00} that I allegedly owe. My name was listed on the statement, however it listed a mailing address in Mississippi. The address showed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived in XXXX XXXX nor held an address there. I do not have any family, friends or aquaintences in XXXX XXXX I gave no XXXX permission to open up this line of credit. This is clearly fraud and it's a shame that I had to find out about it from a 3rd part debt collector who had purchased my alleged debt from this company. I first filed a complaint against XXXX XXXX XXXX through this site ( CFPB ) and it was closed as they were not the original debtor. I was advised to reopen a case against Indigo so that is what I'm doing. However, unfortunately XXXX XXXX XXXX has reopened my warrant in debt case and I have a court date of XX/XX/XXXX for this debt which is fraudulent and not mine.
Consumer complaint received 2024-09-07
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (FL)

I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. I was looking at my credit report after being XXXX again from XXXX in XX/XX/XXXX. During that time in the end of XXXX I discovered a student loan was opened and received on XX/XX/XXXX. If I was in a XXXX  where we have no access to computers or bank accounts, how did I take this student loan out? I have tried disputing this account from XXXX for {$4200.00} or something close to that amount but I never went to any college in XXXX and wouldnt have been able to do this sort of request or confirmation to have had received that money.
Consumer complaint received 2024-09-11
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: Paypal Holdings, Inc (CA)

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
XXXX. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information. 
XXXX. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
XXXX. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.