davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I asked for Validation of Debt, from this company " LVNV FUNDING LLC ''. This company has failed to provide sufficient documentation to properly validate this debt. The documents they responded with and provided to me were insufficient. I, XXXX XXXX formally request a sufficient validation of this debt under the fdcpa. If not " LVNV FUNDING LLC '' can be held liable for all violations under the fdcpa and the fcra, and be liable for {$1000.00} per violation and any actual damages.
Consumer complaint received 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

" I have the option to make my loan payments online as a consumer, which is convenient. However, during my last several online payments, the system accepted the payment for refinancing my vehicle, but when I was prompted to sign the document, an error occurred after the payment had already been accepted and confirmed. This issue has occurred even when the signature is confirmed to be valid. " Nevertheless, usually the next day or so I receive a notification stating that my refinance is pending and that I need to make an additional payment to refinance. Each day that passes the amount is increased and I am expected to pay whatever the amount is for the refinance to be complete. This is a system error that Title Max has recognized and has failed to correct the problem. This issue has become an expensive inconvenience to me as a consumer because I travel and work and do not have time to visit the store to make payments. It is not fair that I have to make payments in person in and not being allowed to utilize the option of paying online
Consumer complaint received 2024-08-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (CA)

A complaint was filed against this company years and years ( .... and years ) ago. If not with the CFPB directly, with my state 's Attorney General 's Office. ** AND I have written to you indirectly in regards to this company. The company does business under the name Check Into Cash, and the corporate office is Community Choice Financial out of XXXX, OH. I conducted business with this company once, I didn't care for its policies and business practices and they have been using my bank information to process " repayments '' ever since. See attached.
Consumer complaint received 2024-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Date : [ XX/XX/year> ] Subject : Formal Complaint Against [ Portfolio Recovery ] Dear Sir/Madam, I am writing to file a formal complaint against [ Collection Agency Name ] for multiple violations of my consumer rights. Below are the specific issues : Failure to Provide Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector must provide validation information upon request. [ XXXX XXXX XXXX ] has not provided this validation information, yet they have placed a collection account on my consumer report. 

Infringement of Dispute Rights : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the account. However, I have not been given an opportunity to dispute the account before it was reported to the credit bureaus. 

False and Misleading Practices : [ XXXX XXXX XXXX ] is violating my rights by using false, misleading, and deceptive means to collect the alleged debt. They have failed to provide necessary disclosures and are in clear violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( A ). 

Unauthorized Credit Inquiry : [ XXXX XXXX XXXX ] conducted a soft inquiry on my credit report without my permission. They have not provided any permissible purpose for this inquiry, which constitutes a violation of the Fair Credit Reporting Act. 

In light of these violations, I am disputing any and all debts claimed by [ XXXX XXXX XXXX ]. I am also revoking all rights for them to communicate with me via email, text, or telephone. 

I am requesting the following actions : Validation of Debt : Provide proof of debt validation, including the original creditors agreement and the purchase agreement between [ XXXX XXXX XXXX ] and the original creditor. 
Licensing and Bonding Proof : Provide proof that [ XXXX XXXX XXXX ] is properly licensed and bonded as required by law. 
Explanation for Credit Inquiry : Explain the purpose of the soft inquiry performed on my credit report and provide evidence of permissible purpose. 


I appreciate your prompt attention to this matter and look forward to your response detailing the resolution of these issues. Please let me know if additional information or documentation is required. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA (NV)

XX/XX/XXXX the information provided in calculation using XXXX XXXX software is incorrect. The customer 's first name bracket is [ XXXX XXXX ] and the last name bracket is [ XXXX ]. The customer possesses a full charged green battery full name issued by department of state, and the calculated score displayed is from a error red battery account name without a name bracket or state that was partially charged by customer from XXXX to XXXX. 
Customer is an armed civillian to result in human error by state clear star staff and customer 's name bracket is provided to supply a correction to false information file. A foreign militant adjusted titled name of application.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

Hundreds of withdrawals were fraudulently taken from my account as XXXX charges up to 2021. My account was in overdraft many times as a result. This was during XXXX. 
I submitted a detailed claim to both Wells Fargo and XXXX and was not repaid the amounts. I appealed and heard nothing back. 
My XXXX account was subsequently disabled as if I had been the perpetrator of the fraud and recently my Wells Fargo account also closed by the Bank. As such I am unable to share the files which were sent directly to Wells Fargo and XXXX. 

I believe these are wholly unacceptable and unfair practices by Wells Fargo. 

The amounts total over {$120000.00}
Consumer complaint received 2024-08-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OR)

This company charges predatory interest rates and make it impossible to pay off the small loan regardless of paying every month. I'm elderly and live off a fixed income, companies like this take advantage of those in need like myself.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (GA)

I purchased a XXXXXXXX XXXX XXXX on XXXX at XXXX miles from XXXXXXXX XXXX XXXX XXXX the sale price was {$12000.00}. I paid {$1500.00} down. I financed with United auto credit. This is what the contract states. Annual percentage rate {$21000.00}. Financed charge {>= $1,000,000}. Total of pay {$1500.00} down payment / {$24000.00}. ITEMIZATION OF AMOUNT FINANCED. CASH price of vehicle $ XXXX {$13000.00}. Cash price {$1500.00}. Unpaid balance of cash price {$11000.00}. XXXX {$1700.00}. Term 24 months XXXX XXXXXXXX XXXX XXXX {$200.00}. XXXX {$390.00}. Total other charges paid {$2300.00}. Amount financed {$14000.00} 66 payments of {$360.00} made a total payment of {$7000.00} plus {$1500.00} down bringing total payment of {$8500.00}. The car was having problems days after percentage steering wheel shaking up to XXXX on highway and loud noise coming from the breaks, I have spent over {$700.00} trying to fix this problem because I was told I already signed the contract and to contact XXXX  up on contacting XXXX  I was told that by my statement of the problem they are not are sure if it's the XXXX and if that's not the issue I would have to pay out of pocket for diagnostic. Start XX/XX/XXXX the car would not start I had to get a jump to work. every time I turn the car off it would not XXXX. Once I got home I had a friend take me to test the battery to see if that was the issue. I found out that the battery was a good battery. I went out one morning to go to work and to see my windows broking and steering wheel jacked out the robbers wasn't successful because the car have to get a jump before cracking. I had a bad insurance company. Besides all of this I have been making complaints to united auto credit they did not car because all they could say is you signed a contract when would you make a payment. Wow I loss my job because I had no ride to work I have been telling the finance company to come and get the car since XX/XX/XXXX. They say that I owe {$10000.00} and if I won't it off my credit like this never happened I can pay {$7000.00} if I don't want that deal then I could pay {$5000.00} in installments but my credit would continue to say {$10000.00} until the {$5000.00} has been paid and they can bot issue me that agreement until the {$5000.00} is paid. Wow the interest was {$7.00} on the car. I need help please and thank you I was told that the car was sold at $ XXXX {$7000.00} after the repo. 
I have not or a job since XX/XX/XXXX my kids and I are struggling I have no family or friends to help me. No one would finance me a vehicle without asking for {$6000.00} down payment. I just want my life back I'm so XXXX  because of this situation I'm totally in a XXXX  whole my credit is doomed for every. I later found out that the dealer roll back the miles on the car so the car I purchased could have been a lemon to have the problem it was having so fast.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Checking my credit report a few months ago, I discovered errors regarding the account of SYNCB/XXXX ( XXXX ). This is violating my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (ID)

On XX/XX/year> I have received a letter from Marcus by Goldman Sachs notifying me on my account closure. My account was opened earlier this year and was in good standing. The last statement I have received in mail is dated XX/XX/year> and shows the balance of {$1500.00} decreasing to {$0.00} due to account closure forfeiting the interest of {$27.00} and the original deposit funds of {$1500.00}. 
I have not received any explanation neither about a reason why my account was closed, nor about why the funds were not transferred back to the original account ( from which Marcus account was funded ) or mailed in a form of check to the my address ( where the statements and other communication mail was sent earlier ). 
Following the notification of account closure I called Marcus customer service multiple times during the month of XXXX ; the calls were transferred from XXXX representative to another with a claim of inability to confirm my identity using the phone number on file, promise to follow up, and dropped with no call back. I have not received any substantial answer in regards to a reason for my account closure or prospects of the funds transfer back to me from any of the representatives.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC. (RI)

On XX/XX/year> I received a debit card from SOFI Bank. I thought it was odd sicne i did nit have an account with them. I called and immediately reported it as fraudulent. They gave me a case # XXXX. But that was it, no other info. I aksed when was the account opened, what email was used, and what to do next. They said they are unable to give out that info. Next I went on to FTC website and started a identify theft calim rthere case number XXXX. So far nothing and Im scared
Consumer complaint received 2024-08-03
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (GA)

The Merchant : XXXXXXXX XXXX XXXX XXXX XXXX hired Creditor : Synchrony Bank, 1 ) then debt transferred to XXXX XXXX XXXX, 2 ) then to XXXX XXXX XXXX XXXX, 3 ) then XXXX XXXX to collect a debt of {$1300.00} from me. When I made three attempts to pay the debt, no one answers the phone at XXXX XXXX. I left XXXXhree messages and no one returned my call. I have never received a letter from XXXX XXXX informing me that they were collecting a debt, but I was given their name from XXXX XXXX when I called XXXX XXXX 'S number.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have attached FTC reports with reference numbers XXXX and XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MA)

Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

My Citibank credit card ( Custom Cash ) was charged for XXXX XXXX transactions ( total amount is around {$580.00} ) within a minute which was unknown and unauthorized on XX/XX/year>. I contacted the fraud department of Citi and disputed the transaction instantly, requested a new card number as well. After a month later ( as of today XX/XX/XXXX ), this XXXX fraud, unauthorized transactions were still charged on my account and Citi is asking the innocent card hold to pay the bill which doesn't belongs to them.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION (CO)

Automotive Credit Corp based in XXXX michigan. The finance company is very rude and conduct fraudulent and abrasive and threatening tactics and are unwilling to refinance people to help them keep them in the vehicle. They put customers under duress and undue stigma. They over inflate the monthly payments and actual value of the vehicle. They knowingly do this and expect to repossess 90 % of their customers. They do this to purposefully mess up people 's credit profiles.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (PA)

I had issues in the past with the callcenter they were not abble to verify me, I spoke with the branch representative on XX/XX/XXXX and they helped me with the request. Today XX/XX/XXXX enrolled into my online banking I requested through the chat to open a merhcnat dispute and they said cant help me because im not verified. I cant guess how a customer cant be verified if is already logged into the online banking with the credentials and the code verification, doesnt make sense. I was referred to go to the branch, XXXX XXXX and im right now in XXXX. 
So please fix the issue and XXXX  open the merchant dispute for credit not precessed. 
I went to the store XXXXXXXX XXXX on XX/XX/2024, to buy XXXX XXXX XXXX  silver XXXX gb for an amount of XXXX each XXXX and again on XX/XX/XXXX to buy XXXX more for an amount of XXXX. Those XXXX arrived to my house on XX/XX/2024, but for that date were no longer needed, so I went to the store in person on XX/XX/XXXX to return and request the refund, the return was accepted and on the same day the refund receipt was issued. They have a timeframe of XXXX  days to have the refund posted to my account. 
The refunds were never posted to my account and on the last contact with them they just said contact your financial institution for billing adjustment. 
Please open the merchant dispute for those XXXX transactions under the reason " credit not processed '' under the transfer act and regulation XXXX and Z the bank cant deny the right to open disputes, and is customers choice if wants to open by phone, letter or in person. 

Thanks