davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2024 I sent a letter via certified mail to XXXX XXXX And Out to verify the alleged debt they claim I owe. In response they sent me a copy of an online lease that was used on docu-sign. This didn't validate the debt is mine. So on XX/XX/2024 I sent a second letter to this company requesting full details and documentations to verify this debt. They failed to send the required documentation I've been asking for several times. This company keeps giving me the run around and sending me the same information, which does not prove this debt is mine. I have no knowledge of this account this is false information that is being reported by this company. I have had my identity appear on the dark web ( my drivers license and social security card ) this debt could be fraudulent. The company then asked me to provide proof of my residency during time in question and my ID, yet they have failed to send me proof of a copy of my ID and or driver license that was used to rent this apartment in question. I am demanding the list I sent to them to verify proof of this debt. They did not send me everything I asked for on the lit including my Identity. I will not be sending any copies of my Identity to an unknown debt collector from an alleged debt thats not mine as well as billing statements. Ill first need the COMPLETE list of all the items I requested sent to me so I can file a new police report showing the persons ID that was used to obtain this apartment.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Consumer complaint received 2024-08-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FORD MOTOR CREDIT CO. (LA)

I XXXXXXXX XXXX XXXXXXXX have submitted certified checks to XXXX XXXX located in XXXX Mississippi. Purchased XXXX XXXX XXXX in XX/XX/XXXX, that was destroyed in XXXX XXXX in the state of Louisiana. The recent automobile I purchased approximately XXXX years ago is a XXXX XXXX XXXX. I was unable to receive service for the automobile in the state of Louisiana. Therefore, I visited the dealership in Mississippi and was unable to trade the XXXX XXXX. I requested service for automobile tires, oil change, and etc, the salesperson told me to take the automobile- any XXXX XXXX in Louisiana. After I had accidents and no legal representation. The automobiles were never repaired. I have faithfully mailed certified checks issued by XXXX XXXX XXXXXXXX XXXXk. Reference : Ford XXXXXXXX XXXX XXXXXXXX. XXXX XXXX {$590.00}. I am requesting XXXX XXXX XXXX to waive all late fees since calendar year XXXX because I took taxis, utilized XXXX and solicited rides from a friend and a family member. My sister, brothers and other family members refused to assist me.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MS)

I saw on my credit the amount of {$610.00} to a company by the name of LVNV I was never given a right to dispute nor pay never got a bill they never contacted me I never even knew of this collection til it was on my credit this company has bypassed the person right to verify and disputed and jumped directly into placing information not verified on my credit report this claim should be deleted due to fair credit laws violated by the company
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc. (ND)

On XX/XX/XXXX of 2024 I was hit with a charge for XXXX on my XXXX account. So what I did was put in a claim with the bank because I did not want them to charge this account and I went and talked to MoneyLion. They said that they would move the payment to the XXXX and use the bank account that I told them to use which was the XXXX account. and they put this in place and I was able to take a little bit more money out which I did. It was an extra {$75.00}. And then I get a reversal from the bank saying that they had proof that we were supposed to pay with the XXXX account. I told XXXX I have proof that we talked about it and that it was switched for a different day and a different account, but XXXX also refused to work with me on the claim and told me I had to talk to MoneyLion. Ive been trying to talk to MoneyLion for a long time, but every time they keep changing their story, they keep lying to me or the bank. I talk to them they said the bank never gave them the money. I keep calling them. I keep showing them the proof that I got from the bank now theyre telling me I need to do a three-way call. They just keep coming up with excuses every time I keep giving them the proof that they told me to do from the last time they told me. ive never had a problem like this before. im not sure if this is a scam or what is going on, but they keep throwing me around in circles and being rude to me when XXXX just trying to figure this out. Also, I look at my history and I dont even owe them the amount that they are trying to take out. Because when I look at how much money I took out, I actually only owe them {$400.00} so XXXX not sure where that extra money is coming from.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

Saturday, XX/XX/year> I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : American Honda Finance XXXX XXXX XXXX previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of the investigation. 

Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I did not Authorize the following inquiries on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry date XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiry XXXX XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I purchased a {$100.00} American Express Gift Card from XXXX on XX/XX/year>. On XX/XX/year> I was in the XXXX, New Jersey hospital for some XXXX  tests and while waiting, I went on the American Express Gift Card website to check my balance and saw I had {$67.00} available. When my tests at the hospital were complete, I went to XXXX XXXX and attempted to use my card. It was declined several times. When I went back to my car, I checked the site again and saw a charge was processed for the {$67.00} to a XXXX XXXX located in XXXX, Florida. I immediately called American Express and reported the fraudulent charge and was given a Reference : Case Number that I will gladly supply to you if necessary. On XX/XX/year>, I received the following correspondence from American ExpressXXXX Dispute Resolution ; We've completed our investigation of your American Express Gift Card dispute and want to share our findings. Your dispute is declined. We take concerns from cardholders very seriously. After a thorough review of your account, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed. This denial is unacceptable to me, and I will exhaust any and all means to be made whole. For too long companies like American Express has gotten away with this illegal behavior and I am not okay with this and I'm hopeful with your help, you will be able to help not only me, but other victims in my unfortunate situation.
Consumer complaint received 2023-04-19
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/22 I called Care Credit to ask them information regarding what they offer. Before speaking to me they require I gave them my name, address and a few other details. After some questions I was short on time and decided to call back later. Before calling back I got a notification from my credit card XXXX who monitors my credit. XXXX let me know I had a new inquire on my report. After looking into it I see care credit ran my credit without my approval, permission, acknowledgment or asking me/telling me whatsoever. Had I know this would happen from a short 5 minute phone call for more information I would not have. 
I tried to call back numerous times but they wanted information from me every time I tried to call, I was scared they would run my credit again. After a few calls with them and synchrony bank - who they work threw I was told I was out of luck and theres absolutely nothing they can do on their end. I feel this is not fair or legal and should not be able to run unauthorized reports like this. This is a hard inquire on my credit I never approved for. After speaking with a family member Ive found out they had this happen to them with the same company years ago as well ( though they didnt report it at the time ). Please help
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

After reviewing my credit report, I noticed that I had a few accounts listed that did not belong to me. I am not sure how these companies got my information or how they are even reporting that I owe them anything. Here are the accounts listed below : XXXX XXXX XXXX Bal- {$7900.00} Opened- XX/XX/XXXX XXXX XXXXXXXX Bal- {$3800.00} Opened- XX/XX/XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Transform Credit Inc. (UT)

Transform Credits blatant violation of the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting a negative account since 2023 has had severe repercussions on my financial stability and mental well-being. Under the FCRA, credit reporting agencies are mandated to ensure that all information they report is accurate and up-to-date. Transform Credits failure to rectify this erroneous information, despite numerous requests for correction, constitutes a serious breach of this obligation. 

This disregard for FCRA requirements has led to substantial financial hardship, including the denial of credit opportunities and increased interest rates, exacerbating my economic struggles. The ongoing presence of this negative account on my credit report has not only impeded my financial recovery but has also inflicted significant mental distress. The persistent stress and XXXX stemming from the financial instability caused by Transform Credits misconduct are intolerable and directly contravene the protections afforded under CFPB regulations designed to safeguard consumers from such injustices. 

In light of these violations, it is imperative that corrective actions be taken to rectify the inaccuracies and address the considerable damages suffered.
Consumer complaint received 2024-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

This company LNVN Funding in whom I know nothing about has been consistently calling, threatening to sue me, threatening to garnish my wages and it is becoming overwhelming as well as harassing communication. I have know knowledge of this company whatsoever. I have never been in any agreement to work with this agency. I am seeking proof and evidence stating that I have signed any sort of agreement with agencies listed below.

LNVN Funding ( I don't know full account number ) account number starts with XXXX XXXX XXXX XXXX ( I don't know full account ) account number starts with XXXX. These debt collectors are harassing me consistently. I am requested a no other phone calls, emails, or letters.
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (GA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/XXXX processed payment for for {$2100.00} at XXXXXXXX XXXX XXXXXXXX Emailed receipt received at XXXX Card type : XXXX Card # : XXXX Payment method : Card Tapped XXXX XXXX : XXXX Wed XXXX am emailed received Your payout has failed We've canceled your XX/XX/XXXX withdrawal of USD {$2100.00}. 

Common causes of a failed withdrawal : The admin name on the account is not the name on the bank account. For security reasons, the financial admin must match the name of the account we're sending money to. 
The bank account number is invalid or mistyped. 
The routing number is incorrect. Some banks use a different routing number than the one printed on your checks for electronic ACH transfers. We recommend contacting your bank to verify the correct number to use. 
If you've already entered in new bank account information, we will initiate a new transfer of funds as soon as possible. We typically allow XXXX business days for transactions like this to complete. 

If you need any help, or have any questions, let us know by responding directly to this email. 

Email received XXXXXXXX XXXX XXXX XXXX XXXXXXXX Payments Your account has been closed Unfortunately, we can no longer support your business and we'll need to cancel any pending payments. 

Because your account is susceptible to a high chargeback or dispute rate, we have to put your remaining balance into reserves for a minimum of 30 days. If your balance goes negative, we'll recover those funds from your bank account. For full details, you can read our Terms of Service : https : //go.wepay.com/terms-of-service-us. 

Thank you for understanding and we apologize that we couldn't offer a better solution. 

email received XXXXXXXX XXXX XXXXXXXX from Wepay Thank you for your email. 
XXXX received your support request ( # XXXX ), and someone from our Customer XXXX team will be in touch within XXXX business days. 

In the meantime, XXXX of the articles in our XXXX XXXX might help you get an instant answer to your question. 

Thank you for being part of the WePay community. 


XXXX ( WePay XXXX ) XX/XX/XXXX, XXXX XXXX Hello, After careful review, it has been determined that we will no longer be processing payments for your account and have closed the account. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. Please contact us after the 120 days has expired. 

Thank you, XXXX WePay by XXXX XXXX XXXX questions? Check out our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  have emailed XXXX for XXXX information he refused to answer any questions. I have not had any chargebacks, or disputes in the past. If my account was a risk I don't understand why wait until I have a transaction to cancel account. 

I am a small business and this severely cripples my ability to do business and live.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-02-17
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 — Was not notified of investigation status or results
Company: ID Analytics, Inc. (NY)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I have been using them for XXXX  years. Now suddenly every payment is canceled. It's crucial to pay my power and Internet at my home in XXXX. I asked to speak with a supervisor. He had me email my ID and said he would get back to me and didn't. I tried everyday and called again on Friday and XXXX, whom I spoke to said she would look into it and call me back that day and she didn't. I'm attaching a copy of the cancelations and the transactions I've done in the past. Due to them not paying my boyfriend who car broke down in XXXX XXXX he had a XXXX XXXX and XXXX.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have been waiting for my {$830.00} from Chase since XX/XX/year>! 

They approved my XXXX transaction dispute and have told me XXXX times theyve sent me a check but each time, the check hasnt came! Now its almost XXXX AND STILL NOTHING. Everyone Ive spoken to has been a foreigner based in XXXX or the XXXX and its very upsetting to not be able to talk to an American person about my American money. I believe that these foreign people are making things up to get me off the phone and its impossible to reach someone in America. I just want my money. This is sickening
Consumer complaint received 2024-08-25
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: WELLS FARGO & COMPANY (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.