davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (GA)

I recently checked my credit report and found that this company is attempting to collect over {$4000.00} from me. I do not recognize this company and have never signed any promissory note with them. I reached out to them and asked a series of questions I am permitted to ask under the authority of The Fair Debt Collections Practices Act. I received a response that did not answer any of the questions I had asked and in my opinion they could not properly verify the owed " debt. '' I asked for a copy of the original promissory note I signed with them, general ledger statement, etc. I did not receive these. 

I believe they have unlawfully purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

I believe they are also in violation of the so-called forum selection clause. 

They are also trying to collect a non-transferable contract. 

Lastly, they could not verify that they are authorized to act on behalf of the states creditor. 

These were all questions that were asked in my original correspondence with the company and they responded without answering any of the questions from my original correspondence. I sent a second correspondence reiterating what I was asking for and have not received any response.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC. (NY)

I have a timeshare with XXXX XXXX XXXX and I constantly don't get the bill for the dues owed annually. They are due by XX/XX/XXXX. On XX/XX/XXXX the company sent it to Pinnacle collection agency without a initial bill nor any late notices. After recieving notice from Pinnacle I checked on XXXX XXXX and they have my correct address, email and phone number. The invoice said I owed XXXX plus XXXX in interest. Pinnacle added XXXX in collection fees. I immediatley paid the XXXX on the Pinnacle website stating that I would only pay XXXX XXXX dues and that if they wanted to send me an invoice for a law abiding amount of collection fee I would send it to pinnacle. Pinnacle sent another letter on XX/XX/XXXX that I owed XXXX to XXXX XXXX for dues and them XXXX. They keep changing the amount and I have repeatedly asked for ; 1. an original bill from XXXX XXXX 2. any notices XXXX XXXX sent me 3. what basis they have a XXXX fee for collection I just get nasty responses from XXXX and " we can't talk to you '' from XXXX XXXX. 
from what I gather NY has a 22 % maximum collection fee ( where I live ). XXXX XXXX has a posted 0.0493 % interest late fee. For XXXX days after XX/XX/XXXX today would give me a balance of original dues owed XXXX plus XXXX interest and XXXX monthly late fee equals XXXX. Today I will pay the difference of XXXX for {$260.00} to XXXX XXXX XXXX and want to get rid of this timeshare as they constantly do this!! 
I have copies of last years bill, the XXXX invoices from pinnacle and proof of payemnt of the XXXX. A 40 % collection fee is far beyond normal to charge and Pinnacle already took it out of the payment I made for XXXX XXXX stating I only paid them XXXX or so dollars so far. Please advise as I do not not pay my bills when I know about them but I will not pay for ransom!
Consumer complaint received 2023-05-25
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  on XX/XX/2022 ; XXXX XXXXXXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-04-23
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: BARCLAYS BANK DELAWARE (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages.
Consumer complaint received 2023-05-25
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. (DC)

I have been a victim of Identity theft while Experian, XXXX and XXXX is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed IMMEDIATELY!!!
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Consumer complaint received 2024-10-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

Hi, my private student loan should have never been approved by XXXX XXXX XXXX. It them got transferred to AMERICAN EDUCATION SERVICES ( AES ) and XXXX who did the most damage 10 years ago by pushing me towards forbearance and not explaining better options like paying what I could afford etc. Instead my student loans have INCREASED by over XXXX even though I have been paying XXXX XXXX dollars monthly for years and years and years. This is predatory. 

I took these loans out in XXXX  : Current amount owed- {$27000.00} Original loan- {$17000.00} Current amount owed- {$13000.00} Original amount- {$15000.00}
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NY)

Issue : On XX/XX/XXXX, a cashiers check that I purchased from Wells Fargo in the amount of {$5700.00} was stolen and cashed. For the past nine months, Wells Fargo has been avoiding reimbursing me for the amount stolen. 

History : XX/XX/XXXX : Claim opened for check fraud. I was told that the full amount of {$5700.00} would be deposited back to my account within 10 business days. CLAIM # XXXX XX/XX/XXXX : Claim closed by Wells Fargo without notice. 

XX/XX/XXXX : I contacted Wells Fargo to get an update on the above-referenced claim ; I had to ask that they open a new claim to investigate this issue. CLAIM # XXXX XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo stating that they closed the claim. The issue of check fraud was not addressed. 

XX/XX/XXXX : Mailed a Wells Fargo form that I retrieved from online in order to get assistance with this matter. On this same date, I mailed a complaint to the New York State Department of Financial Services. 

XX/XX/XXXX : Visited a Wells Fargo branch to have a banker help me with this issue ( Note : This was the third time I visited a branch to get assistance with this issue ). I was told that the {$5700.00} would be deposited into my account within 10 days. CLAIM # XXXX. 

XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo outlining the history of this case but not resolving the case. Note : Wells Fargo never called me on XX/XX/XXXX, and they did reopen a claim for this issue on XX/XX/XXXX ( CLAIM # XXXX ), as stated in this outline. 

XX/XX/XXXX : Received two letters dated XXXX from Wells Fargo to : complete another affidavit within 20 days ( new affidavit was mailed on XX/XX/XXXX ) and to inform me of their attempt to contact me ( which is not true ) and that they closed the case. 

XX/XX/XXXX : Received a letter from Wells Fargo stating that they are working to obtain a refund from the bank that accepted the deposit. 

XX/XX/XXXX : Received a letter from Wells Fargo dated XXXX stating that they need to complete another Affidavit of Check Fraud in order to proceed. 

**As of today, I have not received the reimbursement for the stolen check. **
Consumer complaint received 2023-05-25
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. AMERICAN EXPRESS account XXXX and account XXXX were charged off, but XXXX continues to report them as a charge off every month in this manner updating them monthly. Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations. Additionally, XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc. (LA)

1.Self Credit Card My card was charged by XXXX fraudulently on these dates as follow : 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 Seff denied dispute claiming I used this company in the past. I requested to for further details because I have never ordered from these companies in the past. Also, I shared with Self that XXXX XXXX is requesting a call from them in order to refund my money. 

XXXX. XXXX charged my card I won the dispute in XXXX ; Self refunded my {$64.00}. I cancelled my card and stop payment was made according to Self. Afterwards, Self allowed them to continue to charge my card as follows : XXXX {$64.00} XXXX no charge from XXXX ( new card issued in XXXX & stop pymt per Self ) XXXX XXXX {$64.00} XX/XX/XXXX {$64.00} On XX/XX/year> All above charges were reversed and my account was credited. 
On XX/XX/year> Self claimed they did an investigation and all charges were valid. 
When I asked what type of investigation was done in two days and requested a written detailed statement of each charge. I was given a vague reason that I used the companies in the past. Detailed information was denied by Self.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Good Morning, I am writing because I had a car financed through XXXX XXXX XXXX in XXXX. This car was placed as a charge off, several years ago. I have disputed this numerous times, because the car was sold at an auction. When I contacted XXXX in XXXX, they let me know that the car would be falling off of my credit in XX/XX/XXXX. I asked them to clarify the balance, since the car was sold at an auction. They stated that the car was located at the police station, when I told them to come get the vehicle back in XXXX. They stated that the car was found at the police station, and they had no interest in the vehicle so they just left it there for the police to auction off and sale. Which is fine, but why am I still being charged the full balance and why is it still on my credit report? Can you please get them to take it off, because it has surpassed the time frame? It say they havent even reported since XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.