davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

I have requested that they remove the account completely from my XXXX, XXXX and XXXX XXXX reports because it has been paid and closed in XX/XX/year>. By them still continuing to report this bad information it is adversely affecting my ability to obtain credit.
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Dear to whom this may concern : Your company ALDOUS & ASSOCIATES is attempting to collect a debt from me XXXX XXXX XXXX. 

Under 15 USC 1681q states the following : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

You MUST notify XXXX, XXXX, and XXXX to DELETE this collection of {$320.00} off of my consumer reporting profile in the next 30 days. 

Your company is furnishing inaccurate information to consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your company 's inaccuracy has damaged my livelihood. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

This account has been open since XX/XX/XXXX and operating without incident. Suddenly without warning on XX/XX/XXXX we received a notice that we needed to verify our trading address by XX/XX/XXXX or the account will be suspended. My controller provided the address and on XX/XX/XXXX we received a notice that the account was suspended because of an address issue and a wire was returned. Even though this is a business account, the support representatives will not speak to any company representative except myself, they are rude and uncooperative on the phone and talk over me when calling. This appears to be a policy change that was not communicated to me in writing and is not clearly outlined on the website. It takes days to verify an address and despite providing our physical address, it is still not verified and this account is still suspended. The customer service is lacking, disclosures about this requirement are not clearly outlined on the website and the process for verifying accounts is not working correctly. There are no supervisors available, there is no phone number to call, this company is unresponsive to Texas businesses. I have recordings of our calls and the emails for reference.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

On XX/XX/XXXX at XXXX, I made a transfer of XXXX with an identifier. What happened was that when I tried to make a payment using my mobile card, I was asked for a billing address in the United States. I changed it, but it didnt work, so I put my address in XXXX back. After doing all of this, an automatic security protocol was triggered, and they asked for proof of my residency in XXXX. After providing the required documents and them confirming that everything was in order, the issue has not been resolved, and the following amounts are still blocked : A transfer of XXXX {$560.00} XXXX I have been calling and writing them since XX/XX/XXXX, and their response has been that the case has been forwarded to the relevant team... 

The application/bank I used is called " Wise ''. I am in a critical situation because I am currently a student at XXXX XXXX XXXX University, and I need this money to pay for my apartment, food, transportation, etc.
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC (KS)

was scammed!!! I was on the phone with a representative who told me I was approved for a XXXX loan. I kept asking what are the terms? She proceeded to say it should tell you but you have to click accept in order to see it. Once I clicked accept, it took XXXX out of the XXXX loan leaving me with XXXX and then she hung up and never called back.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Financial Resources, Inc. (MA)

Formal Identity Theft and Unauthorized Collection Complaint Against XXXX and XXXX Immediate Deletion of All Unauthorized Collections Due to Data Breach and Lack of Permissible Purpose Dear **Consumer Financial Protection Bureau** , I am filing a formal complaint against both **XXXX** and **XXXX** for their involvement in a data breach that has resulted in the unauthorized use of my personal information and the reporting of collections on my credit report without my explicit permission or any permissible purpose. This is a severe violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and has caused significant harm to my credit and financial standing. # # # Issues Addressed : 1. **Identity Theft and Data Breach** : - Both **XXXX** and **XXXX** have exposed my **Social Security number, date of birth**, and other personal information to unauthorized third parties, allowing fraudulent activities and data breaches to occur. Despite my repeated requests to protect my personal data, they have failed to take adequate measures, directly resulting in these breaches and subsequent identity theft. XXXX. **Unauthorized Collection Entries** : Due to this data breach and the lack of a permissible purpose, all of the following collection accounts are unauthorized and should never have been reported : - **XXXX XXXX XXXX XXXX XXXXXXXX : XXXX reports a collection with a balance of {$2200.00}, which I have no knowledge of. This debt was reported without my consent or any permissible purpose. - XXXX XXXXXXXX XXXX  XXXX XXXX ** : Both XXXX and XXXX report a collection with a balance of {$620.00}, increasing to {$830.00}. I have no knowledge of this debt, and no permission was given to report it. - **Additional Collection BalancesXXXX : XXXX  shows additional collections with balances of ** $ XXXX, ** $ XXXX, and ** $ XXXX. These debts have been reported without any valid verification or permissible purpose, and I do not recognize any of these collections. # # # **Violation of Privacy and FCRA** : - Both **XXXX** and **XXXX** are violating **15 U.S.C. 1681b**, which restricts the sharing of consumer information without permissible purpose or consumer consent. By allowing these unauthorized collection accounts to be reported on my credit file, the agencies are in breach of this provision of the FCRA. - These accounts should have never been reported, as they are a direct result of the data breach and misuse of my personal information by third parties.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NC)

During transition from one mortgage servicer to another, my monthly payments were being sent to the original servicer who were in turn forwarding them along to the new servicer. In XXXX of XXXX  my payment was made on time, but did not get forwarded to the new servicer until after a 30-day period.
Consumer complaint received 2024-09-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (TX)

This company has been calling me, my father, husband, stepfather and brother every day for over a week. I dont even know how they have some of these numbers. They call from a different number each time and have been calling at all hours of the day. Sometimes multiple calls a day.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Adjustment Service, Inc. (SC)

GLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices.

Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc. (MN)

Finally got an itemized statement from XXXX which didn't match the ones under my billing on XXXX. 
Also I had medicaid, and insurance through my work. 
Which it says XXXX XXXX covered. 
Any XXXX and XXXX for XXXX were work comp. Include XXXX  visit for the XXXX  I had from this and saw the XXXX the next day. All that should be work comp through the USPS. 
And why does my billing on XXXX show insurance paid?
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyon Collection Services, Inc (OH)

I attempted to use XXXXXXXX XXXX XXXX in XXXX of XXXX. I never actually filed payroll with the company because the platform is too complex for small businesses. I immediately canceled the service after the first billing statement hit my business checking account. Even after multiple cancellation attempts over the phone, the company kept billing my business and withdrawing the monthly ACH payment. It was so aggregious that I had to close that business checking account to stop the payment. XXXX has now sent the bill to collections and is still attempting to collect monthly payments!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (SC)

This is my 4th request to validate the charges that Mechant Adj Services has placed on my credit report. The explanation that was provided in my original complaint ( XXXX, XXXX and XXXX ) was not satisfactory. I have asked for MERCHANT ADJ SERVICES, to validate that they have a signe agreement between myself and their company. It is the debt collectors responsibility to provide proof of the debt, not refer me anywhere! YOU have absolutely refused to provide any documentation other than a bill This is not fair as a consumer to have a charge added to my credit report from tvis company and they provide a general response. I am requesting a higher lever of review of my case. I will not reach out to XXXX as they do not appear on my credit report. I have filed a complaint with the XXXX  and I feel that my rights as a consumer is being violated. It is not my responsibility to reach out to a different company to assist you with providing me the proper validation. I am AGAIN, request that you provide me with the following documents : I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all 3 credit bureaus immediately. Referring me to another company is not a satisfactory response. Here is the original request as from the XXXX : On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Merchant Adjustment Service validate the debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account # XXXX. Thank you, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

If you had a Wells Fargo account between XXXX and XXXX, you might be XXXX of the XXXX XXXX customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am seeking your help to address the incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I require your support. Due to your errors in handling my credit report, my reputation has been severely harmed. It is crucial that you remove these inaccuracies so I can live normally with my family.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (WA)

I am the original borrower on a XXXX  mortgage which is managed by Freedom Mortgage. Last XX/XX/XXXX, my XXXX was finalized and the judge awarded me the home which is clearly stated in the divorce decree. In XXXX, XXXX a Quit Claim deed was filed and approved XXXX XXXX. After the Quit Claim deed and divorce decree were submitted to Freedom mortgage they refused to honor the court order and said that the only way to remove the co-borrower is through a refinance. After months of calling Freedom mortgage it was finally suggested that I file an assumption to remove my ex-wife from the loan. I submitted an assumption with Freedom Mortgage and it was approved and processed on XX/XX/XXXX by Freedom Mortgage. I was not aware and had never been informed by Freedom Mortgage that after filing an assumption my account would be deleted and I would no longer have online access to my loan. I have contacted Freedom Mortgage multiple times to have my account re-instated but have been told that the only way that I can manage my account is over the phone or by receiving documents through the mail. They have said that this is to protect the borrower from the co-borrower which doesn't make any sense because legally the co-borrower has been removed from the property through the Quit Claim deed filed in XXXX XXXX, tax assessor, and assumption filed with the mortgage lender. I am the original borrower on the XXXX loan and am being told that I no longer have online access to my account because we filed an assumption. There is no reason why Freedom mortgage can not create a new online account for me to continue to manage my loan if the co-borrower has legally been removed from the account. Freedom Mortgage also said that the only way for me to fix this would be to re-finance the loan which is absurd considering that the interest rates are now more then double almost triple what my interest rate is currently. Freedom Mortgage told me that this is a known issue but they will not change their policy or make any effort to fix it. So in summary any individual that files an assumption with Freedom Mortgage loses all online privileges to their account.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NY)

I have XXXX credit cards with the same company. Milestone and Destiny from Concora. They raised the fee for each card to XXXX each. I cancelled the cards but I find it to be wrong. People trying to build credit up shouldnt be charged like that. Is this legal?
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

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 :
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (FL)

ALDOUS AND ASSOCIATES 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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

On XX/XX/year> I opened a savings account then on XX/XX/year> I opened a savings account. On XX/XX/year> I deposited {$1800.00} and on XX/XX/year> I deposited {$1800.00}. These are my payroll checks which are from the US government so they are as legit as it gets. On XX/XX/year> I transferred {$30000.00} from my personal account at my previous bank that Ive had for years. They require a minimum of {$30000.00} to get in their Relationship Tier which is why I made this transfer. That is the only XXXX transactions ever made on the account before they locked me out. No checks had been written no withdrawals whatsoever nothing. After being locked out I made multiple attempts to gets answers but nothing was resolved. I was given the number to Citi XXXX and dealt with XXXX at XXXX ext XXXX. Ive been told that my account has been closed and I have to wait up to 60 days to get my own money back from them. Meanwhile thats XXXX mortgage payments and numerous other monthly bills that need paid while they hold my money. I requested a expedited refund check and was denied. The case number from Citi is XXXX. I have confirmed with them that the payroll checks have cleared and confirmed with my previous bank that the {$30000.00} transfer is cleared and the money has been taken from my account there.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account ID : XXXX was closed on XX/XX/XXXX. I did not receive any prior notice or explanation regarding the reason for the account closure. I have tried contacting customer support several times, but I have not received a clear response or steps on how to reopen my account. 

There was a balance of XXXX USD in my account, and I have been unable to withdraw or use the funds since the account was closed. This has significantly impacted my business and financial transactions, and I would like to understand the reason behind the closure and have my account reopened as soon as possible. 

I have provided all the requested documents and verification for my account, but the issue has not yet been resolved.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.