davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been trying to get on the Transunion.com website to freeze my credit because I keep getting alerts that my Social Security is on the darkweb. I have tried to reset my password multiple times, and then I have used the correct/updated information multiple times to get into my account and can not access my account in any manner. Even after chatting with a customer service person for an hour, they were able to do nothing and then disappeared. 

The inability to protect myself when it comes to my credit seems incredibly dangerous, and the website checker I used said the site has been down for over a month.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NH)

LVNN : Account # XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety for the SECOND TIME. Further, I request VERIFICATION of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, INCLUDING credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation. 

FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) (
2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable Please provide me with the name and address of the persons who allegedly verified the alleged debt along with my written consent in wet signature permitting you to furnish this account on my consumer report as per the FCRA.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

I have a previous debt with XXXX XXXX XXXX XXXX. LVNV funding purchased the debt. Resurgent capital is also doing business with LVNV funding. I have sent certified letters on multiple occasions requesting they remove the XXXXXXXX XXXX debt from my credit reports, as it is the same debt LVNV is reporting. Additionally, LVNV funding is taking out of my paychecks roughly {$1600.00} per month. Roughly {$800.00} BI MONTHLY PAY. They have refused to update the amount owed, despite me sending numerous requests via certified mail to update the amount owed. At this point today 's date ( XX/XX/year> ) I have paid off {$9.00}, XXXX. I am XXXX XXXXXXXX hours per week to resolve this debt. The least they could do is report it accurately on my credit report. I have receipts and all documentation of communications made to both LVNV funding and Resurgent Capital since it is unclear who actually owns the debt. All my certified mail has been ignored, despite I have return receipts they got the mail. I would like this debt to be accurately reflected every month of the 3 credit bureaus as the debt has been and continues to be significantly reduced.
Consumer complaint received 2024-07-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

Got a gift card a few years ago ( XXXX or XXXX ), and haven't been able to 'activate ' or use since the numbers of the card and the numbers at the back apparently don't match. 
Tried filing a report online TWICE, and no, I'm not going to send a copy of my SSN, but the photos of the front and back of the card was sent along with my driver 's license. I got no reply. 
Tried calling the number on the back - after several tries of being on hold for an average of an hour, when I do finally get someone, the line cuts off, and they don't bother calling back, which makes me think this is a way for them to scam people.
Consumer complaint received 2024-07-25
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 (IA)

My phone was hacked into and someone using all the information from my bank ( customer service phone number they called me from, verification text message same as my bank when they send verification codes, ). They told me to transfer money from XXXX XXXX to my account. Who I was talking to had my user name and password to both bank and XXXX they told me to transfer XXXX once I did that they had already transferred money from my sons savings into my account to make sure there was enough. At that point they put my phone into lost mode after taking the XXXX out of my checking. My bank gave me the money back after an investigation and closed the case. however XXXX just sent them information and so Wells Fargo then took the XXXX back out after almost 60 days. So my account went negative and I am out XXXX $ I tried to reach out to the bank again however the denied putting it back this time.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CT)

I recently reviewed my credit report, I found that LVNV FUNDING obtain my information under false pretense and used it to cause actual damages to my credibility. To optain and use someone information without their consent is " IDENTITY THEFT ''. I am asking LVNV FUNDING to provide me a copy of a contract that I XXXX XXXX give them permissible purpose to obtain and used my information.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (TX)

This Debtor keeps calling me from multiple phone numbers throughout the day, I have seen up to XXXX times in XXXX day from an agency about a debt that I have asked to settle multiply times, I have them to send me the paperwork by email or mail along with all payments made and not made and told me they can not do that.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (ND)

On XXXX I received a notification on my phone that my Discover credit cards had been removed from my XXXX XXXX. I called discover that morning to figure out what was going on and I was told that my account was under a routine security check and that they should be in working order within XXXX hours. That morning my credit cards from discover declined on a simple gas station purchase. On XXXX I made a payment to discover for {$2500.00}. On XXXX I made a payment to discover for {$930.00}. The day of the payment of {$930.00} was taken out of my checking account my credit cards became unusable. On XXXX I called discover again and I was told that my account had been closed as a business decision. There was no warning or contact from discover at all about issues regarding my account. My credit limit had not lowered a single once throughout my time being a discover customer. As of XXXX I still have not received an email or phone call from discover regarding any information on why my account was permanently closed days after making {$3400.00} in payments.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc. (TX)

On XX/XX/2024 I received a phone call from phone number XXXX, the guy failed to say his name, but had to make sure he said the call was being recorded 2 times. The guy then went directly into that i owe money and didnt give me a chance to speak. When calling consumers to collect a debt, a consumer debt collector like this guy, is REQUIRED to read the mini XXXX for a debt collection. That was not done. He failed to verify any information. To start off, i was contacted months ago ( dont have the exact date, but i can locate it if needed ) and i had informed CBE Group to only contact me via mail.

Violations # 1. Failed comply with my communication method, went against my only to be contacted by mail, and then only called my work line, zero attempts made to my personal cell phone, direct call to my office line, again months AFTER i said to not call me phone.

# 2. Failed to read the mini-miranda, which is required to be read upon the initial contact to collect a debt.

# 3. Failure to provide proof of debt or verify i am who they need to speak with.

# 4. Manager of call center REFUSED to provide attorney information once i informed him of the violations. He hung up one me instead of addressing anything. 


***I have the call recorded as well, and plan to file suit against each violation if this matter is not resolved immediately.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Opened a business checking account and made a large deposit on XX/XX/23. Funds were due to be held until XX/XX/23 which was fine. Deposited check cleared other financial institution same day as deposited. Wells Fargo fraud department made a call to XXXX XXXX  to verify funds on XX/XX/23 and by voice were told it would not clear at that time. 

Wells Fargo informed me that due to the issue they would be closing my account XX/XX/23. Had multiple calls to fraud department and received the run around and they would not change the status. 

Funds came off hold and I started making payment to other billing accounts. One was an XXXX  to XXXX for {$15000.00}. Made payment on XX/XX/23 and was to be delivered by XX/XX/23 ( prior to account closing ). As of XX/XX/23 the XXXX  had not cleared so I called to stop payment. Bill Pay department said they would initiate a cashiers check to refund me the money as the account was closed. 

As of XX/XX/23 had not received funds. Called into Wells Fargo on XX/XX/23 to find out status. Ended up being transfed multiple times, spoke with 7 different bank reps and spent XXXX XXXX XXXX XXXX on the phone. No check had been cut or even requested and as of the call they do not know where my money is. 

Demanded my money and they created a case to escalate to the highest department manager. Told me they would contact me within XXXX XXXX. As of XX/XX/23 there has been no contact. 

Wells Fargo has made numerous errors in relation to my account, has cost me additional finance charges on billing accounts due to their delayed return of my money. 

And they still don't know where the funds are!!
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (PA)

XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : LVNV Funding LLC ( XXXX XXXX XXXX, XXXXXXXX XXXX  ) Account number : XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to presentation ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX ( XXXX XXXX  XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions
Consumer complaint received 2023-09-27
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (TX)

XX/XX/XXXX : I purchased XXXX XXXX XXXX  VIN : XXXX for {$28000.00} on a XXXX year loan with an an annual interest rate of XXXX  %. 
XX/XX/XXXX : After paying the interest rate of XXXX  % for more than XXXX and a half years, I can not afford this high interest rate. 
On XX/XX/XXXX : I sent a letter to XXXX XXXX, the XXXX Santander Consumer USA, asking to lower my interest rate from XXXX  % to XXXX  %. 
No response has been received from Santander Consumer USA
Consumer complaint received 2024-09-10
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (TX)

I used my card 2 times, but I pay the exact amount XXXX on XX/XX/2022 but they said it was a cicle that havent close yet, so they charged me {$2.00} dollars that I didnt know it was a cicle on it, passing 5 months the {$2.00} dollars increase to {$62.00}. After 5 months they started calling me to make the payment ( they didnt tell me anything about a cicle when I open this credit card ) XXXX. {$2.00} XXXX. {$6.00} XXXX. {$14.00} XXXX. {$30.00} XXXX {$62.00} that was the total amount that they charged me because of the cicles that I didnt know about. When I paid {$340.00} my balance was XXXX and I didnt use it anymore. Also when I paid they never said it was a circle with {$2.00} dollars to paid. Then I paid the cicles missing and I wanted to close this credit card but they said that even if XXXX not using this credit card cicles will still running. I told them that they never said this when I opened it, and they just said sorry because the lady didnt did a good job Now I want to rent and I see my credit been XXXX to XXXX please help me, next year I want to buy my house and I just know that this can affect my credit for 7 years and thats not fair. Thank you so much
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (MA)

DEAR SPRING OAKS CAPITAL ; CFPB ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations.

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt.

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt.

Evidence of your authorization to operate in this state.

Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following 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 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (VA)

on XX/XX/XXXX an annual fee of {$59.00} was charged to my Indigo credit card ( Genesis FS ). The company was unaware that I am covered as a dependent under MLA. I called and politely explained that I was not subject to this fee on XX/XX/XXXX. The customer service representative inquired with a supervisor, who stated that only the active-duty member could have fees waived. I attested to this and restated the law. They then inquired with another manager who demanded that we provide a letter from a commanding officer in reference to SCRA. Since this account is under my XXXX  name, XXXX XXXX, I let them know that I would kindly send my military ID to implement a name change and provide proof of military dependency. The company refused to acknowledge MLA and is sending a letter about SCRA. I am appalled that managers in a consumer credit company do not understand basic consumer credit laws.
Consumer complaint received 2024-07-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NJ)

I have a Vanilla Visa gift card, I had to refund this purchase I made through XXXX and they had given me a total refund for which was the amount spent which was about almost the whole XXXX XXXX its been a while so I dont know for how much it was and I cant check it because the card is currently on hold until they solve my dispute which seems to be going absolutely nowhere. XXXX had seemed to funded me at first my refund but it was for half the amount! I had called Vanilla Visa Customer service that day and they had told me to charge a dispute of course but it hasnt helped and I just want my money back.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (OH)

After receiving numerous calls and being hung up on by Phoenix financial services. Someone finally talked to tell me what the calls are about. The person was rude and told me that I had enough money in my bank account to cover the full debt. After telling him that it was for bills he got pushier and told me to pay with a credit card. 
Having never heard of this company before I didn't want to give him information even though he knew how much money I had in my bank account.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions