davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (TX)

This debt was owned by a previous debt collection company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Frontline Asset Strategies is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. 

Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.
Consumer complaint received 2022-11-27
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. (TX)

So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # Experian XXXX. 
# XXXX  XXXX # XXXX XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/XXXX I called Aidvantage to request a refund for payments I made on XX/XX/XXXX as allowed under the CARES act. After not hearing back, I called Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen within two weeks. After receiving no notification on status/update I emailed Aidvantage and I was told my request would take up to eight weeks. I still received no status update on some form, via email, account alert, or new loan balance. It is now XX/XX/XXXX and past due the eight weeks that was confirmed by the agent and the email response from my inquiry.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I mailed a letter disputing items on my credit report on XX/XX/22. By law and according to 15 USC 1692g, the company is required to do so. I would like the items disputed to be deleted for breach of contract.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MD)

Got several unauthorized transactions in the span of a few minutes adding up to a few minutes which added up to about {$500.00} and when reported to the bank I was told that they were valid. In addition when my new card was sent I had several attempted transaction before the card was even activated. They were not willing to refund my money or give me any information from their " investigation ''.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

I was informed by Wells Fargo Bank that, because I no longer had a permanent residential address in the XXXX that I was required to close my accounts and direct the funds to be transferred to another bank. I followed the instructions provided by the bank explicitly. This included completing the Bank 's account closure form, having the form notarized by a local attorney, getting the notarization authenticated by an office of the XXXX government and submitting the documents to the address provided by the bank. I have a written report from XXXX XXXX that the package was delivered to that address on XXXX  XX/XX/XXXX. To date, nothing has happened, except that the account has been closed. Although I have made numerous attempts to reconcile this with the bank by telephone, my calls have either been unanswered or answered by individuals who were unable to assist in any way other than to transfer the call. The Bank has designed an impenetrable system to frustrate communication and avoid responsibility. Although I did manage to contact the bank by leaving a voicemail message and received a response by email, it was only to claim that they did not receive the account closure documentation and to direct me to call one of the numbers that they do not answer.
Consumer complaint received 2022-11-27
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. (GA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX account number : XXXX, has violated my rights. The original creditor is reporting as XXXX XXXX, which Ive never had knowledge of. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 Experian I have never authorized XXXX  to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as XXXX please remove there is no open accounts on my credit with XXXX  as of XX/XX/2022
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WA)

I called customer service @ XXXX as instructed on my statement on XX/XX/2022 at approximately XXXX XXXX XXXXXXXX standard time my first encounter was with XXXX, I attempted to explain to her that I received a {$92.00} refund from my credit card account ( Citi XXXX Preferred ) and tried to explain to her that I did not request the refund but had spoke to a customer service rep after I had paid my balance off and instructed them to place the credit in a Citi savings account that I opened for this credit. What I received in the mail was a Citi debit card which I assumed now had the {$92.00} in it. What I now have is a check sent to me from the credit card and a {$92.00} charge on my credit card. My question was pretty simple ; if you are sending me a refund directly why would I have a {$92.00} charge now on my account? If the money was not transferred to the savings my account should be at a {$0.00} balance. 

The customer service rep ( XXXX ) wanted to talk over me and not hear the question before answering and then she hung up on me. I called back and got another customer service rep and I requested to speak to a supervisor at which point she too hung up the phone. I called back a 3rd time and asked to speak with a XXXX and again my phone call was dismissed. 

Is this the way the corporation does business? I am going to send a copy of this complaint to the CFPB and hopefully they will begin to look into the business practices and treatment of senior citizens as customers who believe we would get the customer service we pay for with the fees the bank charges. 

I sincerely hope you will look into this matter and train their customer service reps on listening skills. 

Dissatisfied customer, XXXX XXXX
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX and XX/XX/XXXX I sent {$1000.00} via XXXX to a XXXX XXXX for a XXXX, located in Missouri. On XX/XX/XXXX, it was determined that the XXXX  site is a scam and the kitten would not be shipped to me as promised via a sales agreement I received from the seller. I notified my local police department and filed a report with all the necessary information. I contacted my TD Bank customer service and was told they could not refund my money due to the fact it was sent via XXXX.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just recently looked at my credit report again on XX/XX/XXXX. I Saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Experian regarding inaccuracies and FCRA violations on my Experian credit report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Despite my numerous requests, they have not corrected those multiple problems nor, and most importantly, they have not posted a Notice of Dispute for each of these accounts on any of my credit reports since my initial dispute back in XX/XX/XXXX, which is required by law and must be done within 30 days of being notified. These actions are clear FCRA violations and make me entitled to {$1000.00} per violation. 

In follow up letters dated XX/XX/XXXX, XX/XX/XXXX and recently on XXXX XXXX, ( attached ), I again asked multiple times why they had not posted a Notice of Dispute to my credit report and have never received an answer, an addition or a correction. I have attached the four letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as evidence of my requests and have highlighted in yellow the accounts we are discussing. I have also included my XX/XX/XXXX and my most recent XX/XX/XXXX Experian credit reports so you can see that despite my certified letters requesting my dispute of these accounts over the last 12 months, they have not added a Notice of Dispute in the comment section of any of the accounts I have reference above. I have highlighted in yellow on both credit reports all these accounts and the absence of a Notice of Dispute in their respective comment / remark sections. 

As youre aware under the FCRA, credit agencies are required to place a Notice of Dispute within 30 days on any account when a credit reporting agency is notified of a dispute by the disputer. Failure to do that is a violation whereby the violating credit bureau is required to pay statutory damages of {$1000.00} for each violation. The way I, and a judge, will see this, Experian owes me {$3000.00} for not posting my Notice of Dispute on these three accounts for the last 12 months.
Consumer complaint received 2022-11-26
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. (OK)

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

My account was closed unexpectedly and they promised to give me a chance to withdraw my funds. and they did XXXX XX/XX/2022, XXXX. 
they then unexpectedly withrawn my funds without my authorization or permission on XXXX XX/XX/2022, XXXX. 
This is unprofessional and making it worse even after they claim my funds are eligible for withdrawal the funds are still locked and i'am unable to withdraw. 
moreover they don't give the steps clearly necessary to withdraw the funds they claim is eligible for withdrawal.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (FL)

I am a XXXX XXXX rewards member and my personal information was involved in their data breach. Someone with a similar name used my social to get a car loan with XXXX XXXX XXXX. 
This account is fraudulent and I have contacted XXXX and supplied the necessary documents and they worked out a settlement over it and the balance was brought to {$0.00}. However the item and inquiry are still reporting on my credit in a negative manor. 
I also filed a report the FTC : XXXX. 
I have attached a copy of the ID Theft report and my social for verification.
Consumer complaint received 2022-11-26
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: SANTANDER HOLDINGS USA, INC. (GA)

Legal actions were taken against Santander Consumer USA regarding their poor financing and reporting practices. I submitted a copy of the Final Consent of Judgement against Santander from the State of Georgia to XXXX on XX/XX/XXXX. The dispute came back verifying the debt was accurate and belong to me on XX/XX/XXXX. 

My prior car loan with Santander Consumer USA Loan was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 

Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement, and it is to be removed from my credit file immediately. Santander Consumer USA is not reporting to the other bureaus, but XXXX is claiming validation of the account I am no longer legally responsible for.
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CBK, Inc. (KS)

I was garnished by a collection agency in XXXX of XXXX. Upon further investigation by me I found out that this debt was lumped together so that the Court would not know that the outstanding debts were filed XXXX years previously under case no XXXX and that the debts were " Statute Barred '' under the Limitations Act of 1980. Some debts were from XXXX and had been dismissed. On XXXX, XXXX XXXX XXXX ruled that case would be dismissed for lack of prosecution on XX/XX/XXXX and that the case not be reinstated. I filed Kansas Open Records Request with XXXX XXXX XXXX and they had a very hard time explaining to me how the records and fines did not correlate with the records tha CBK filed with the Courts.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX  XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (IL)

I refer you to East West Banks response dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint. 
Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps XXXX ) belief in the system, I had high hopes for East West Banks letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates Good Industry Practices, which call me to defend my rights.
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1200.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (NY)

I received a copy of my credit report and this account XXXX XXXX is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well