davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NY)

I received an alert notification from XXXX XXXX today ( XXXX ) stating a collection agency was on my XXXX report. SEQUIUM ASSEST SOLUTIONS, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone # XXXX. Amount {$260.00}. Company XXXX XXXX. went to collection XXXX. 

I have not received any correspondence from above nor made any purchase with XXXX. I did try calling Sequium got a busy signal. I check online and it's appears the company may be fraudulent. 

XXXX wasn't able to provide any information XXXX I opened a fraudulent claim regarding this.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (MA)

Dear Sir/Madam XXXX Allied Account Services Inc. ; 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 [ State Name ].

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 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Pursuant to 15 USC 1692 a debt collection agency can not buy any consumer debt and go after the consumer for it I did not consent to this and the harassment. Debt was paid by third party therefore a 1099 form is needed. Pursuant to 15 USC 1601 charge off are paid in full 1099 form needed and please remove all closed accounts and charge off accounts.
Consumer complaint received 2024-07-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

On XX/XX/year> I went to my bank to get funds from a CD I had with them and was told they could not find any information pertaining to my CD account. On XX/XX/year> I contacted customer service at Wells Fargo and was told that they would not be able to help me with collecting my money because they couldnt find any records. The CD was originally purchased XXXX XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (DC)

EVERYTHING THAT I HAVE SAID BEFORE IS HAPPENING NOW BUT ALSO WITH MY CREDIT AND MY CARDS FROM ALL MY BANKS GETTING SENT BACK AND ILLEGALY CANCELED BY SUSPECTS THAT HAVE NO AUTHORITY IN THESE MATTERS AND ARE GRADE A FELONY GOVERNMENTAL CRIMES PLEASE KEEP IN TOUCH WITH ME AND RUN FULL INVESTIGATIONS ... BECAUSE THERE IS ALOT INSIDE THE JUSTICE SYSTEM THAT IS INTERNALY CORRUPT AS WELL I HAVE GOTTEN NEW INTEL AND EVIDENCE ... THATS WHY THEY KEEP SAYING THEY DO NOT SEE NOTHING WRONG ... ..I CAN BE CONTACTED AT XXXX XXXX XXXX OR AT XXXX PLEASE DO NOT SENT ANYTHING TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR THEY MIGHT BE INVOLVED AS WELL.. THANK YOU AND HAVE A BLESSED DAY .. AND GOD BLESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (GA)

It has come to my attention that LVNV Funding has sold a debt that they claim I owe to XXXX XXXX XXXX XXXX XXXX ( Another Debt Collector ). However, despite this transfer, LVNV Funding is still reporting this erroneous and unverified information on my credit report, which is a violation of both the FCRA and FDCPA. It is important to note that it is illegal for multiple debt collectors to attempt to collect on the same debt, and it goes against ethical practices. My rights are being infringed upon and I urge you to take this issue seriously. If this is being done to me, it is possible that it could happen to others as well.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

I am writing to dispute the validity of the debt referenced in your recent communication to me, which you are attempting to collect and have furnished on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Tennessee state laws, I request that you provide me with the following information to validate your authority to collect this debt :
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

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 debt bondage, which falls under trafficking according to Trafficking-Debt 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 informatin requested from the list of acceptable itms 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 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XX/XX/year> Fraudulent charge {$10.00} XX/XX/year> Fraudulent charge {$10.00} XX/XX/year> Fraudulent charge {$1.00} HSBC Bank sent me a letter dated XX/XX/XXXX ( see attachment ) that the investigation was complete, and that all the charges from the same company were unauthorized. Yet they would only refund the charges made in XXXX and XXXX, but not the charge made in XXXX. So I mentioned that I want to file another fraudulent report now for the XXXX charge but they said I could not.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC (MA)

Dear ASSETT RECOVERY solutions, Mosaic 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 : XXXX. 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 [ State Name ].

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 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Foris DAX, Inc. (WI)

I was locked out of my account I provided every Identification document necessary.

They won't send me the text message to access the account. I get messages from everything else. I've tried three devices and three phone numbers from three different carriers. 

XXXX messages later I asked to close the account and mail me a check with the funds. They refuse
Consumer complaint received 2024-07-31
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. (FL)

Dear LVNV FUNDING LLC, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : Account XXXX Original Creditor : XXXX XXXX XXXX XXXX. Amount : {$610.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (TX)

Accounts listed on my consumer report are associated with identity theft. I never gave written consent, including an original signature, for these to be added. I've previously reached out to your organization concerning this issue. I now formally urge you to swiftly block and delete these accounts from my report. Their presence, misrepresenting my credit history, has inflicted emotional and financial harm. Failure to address this matter may compel me to seek legal remedies. These erroneous entries have directly impacted my financial aspirations, including home ownership and fulfilling my family 's needs.
Consumer complaint received 2023-02-16
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. (TX)

Months ago, I have sent a letter to the XXXX credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be repaired as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

My Mohela account says I owe no money ( my account had previously been in forbearance prior to consolidation ) and that I do not have auto debit currently on my account. However, they auto debited {$1300.00} from my XXXX account and I can not find any documentation as to why this amount was auto debited when I can not find an account statement for this amount nor is auto debit enabled on my Mohela website. Calling Mohela they just said too bad.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CT)

XXXX offers XXXX  % interest for XXXX  months on purchases over {$50.00} however they do not use the payment to the card on the first bought items. The payment is spread out between all items purchased that are purchased with the XXXX month XXXX  % interest. 

For example if I bought some products with XXXX  % interest in XXXX, 0 % in XXXX, XXXX  % in XXXX and XXXX  % in XXXX, the products bought in XXXX are not credited with payment first. XXXX splits the payment for all products so that XXXX, XXXX, XXXX and XXXX are all getting some payment. If I have a larger purchase in XXXX of {$1000.00} and a smaller purchase in XXXX of {$200.00} it is possible the large XXXX purchase may not be paid off before the XXXX  % interest expires.
Consumer complaint received 2023-02-16
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. (FL)

I have disputed this fraudulent account to XXXX and its third party collection company and they continue to re report this fraudulent XXXX Account to my report. I got a divorce and moved from XXXX XXXX XXXX in XXXX. XXXX says this account was opened in XXXX. When I left we had XXXX XXXX XXXX. If there was a XXXX there I DID NOT AUTHORIZE it. This is not the first account that was opened fraudulently in my name without my knowledge by a person of trust. The dates are inaccurate and the information is fraudulent.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (PA)

I asked this company for the signed contract this company said they don't have to give me one. So, I seek legal counsel and they told me that the Debt collectors can't collect amounts that aren't authorized by the debt agreement or permitted by law and I believe the amount this company if trying to collect is not the amount on the contract that they said I signed.
Consumer complaint received 2022-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I cosigned a loan for my daughter, XXXX XXXX , back in 2007 to attend the XXXX XXXX XXXX XXXX for {XXXX. She has since graduated and has moved on to acquiring XXXX XXXX Degrees and now she is in the last year of her XXXX. 
She was XXXX XXXX XXXX at the time of the cosign and is now going to be XXXX  years of age in XXXX. 
I have asked over and over again for the amount of the loan be taken off of my credit report. 
She has made all payments with 100 % scoring. I have tried everything to get her loan amount off of my credit report. She has even called to have me taken off of that loan as a cosigner. Nothing has been done and we have exhausted all resources.
Consumer complaint received 2024-07-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Good afternoon, I am writing to seek assistance with a critical issue involving my Bank of America account, which has severely impacted my financial situation. 

On XX/XX/XXXX, I borrowed a loan against my XXXX plan from XXXX XXXX XXXX, facilitated through my employer, for a total amount of {$16000.00} due to a financial emergency. I received the check on XX/XX/XXXX and promptly deposited it at a Bank of America ATM located at XXXX XXXX, XXXX, TX. I was informed that the deposit might take a couple of weeks for verification, with an expected availability date of XX/XX/XXXX. 

However, on XX/XX/XXXX, I discovered that I had lost access to my Bank of America account. Despite attempting to reset my password, I was unable to regain access. Upon contacting Bank of America, I was informed that my account had been closed, and all assets frozen, due to the deposited check being flagged as fraudulent. I was shocked as I received no prior notification or consent regarding this action. 

Following this, I contacted the company responsible for managing my XXXX loan, which confirmed that there were no issues from their side and that the check had been cleared. Despite multiple attempts to resolve the matter with Bank of America, including visiting the local branch at XXXX XXXX XXXXXXXX, TX, I was informed that the decision was final and made by a separate department, leaving me without recourse. 

On XX/XX/XXXX, I learned that I could submit documentation of the loan details to the Risk Department Supervisor at Bank of America. I promptly provided all relevant paperwork, including a copy of the check, at the same branch, hoping to resolve the issue swiftly. Unfortunately, despite these efforts, there has been no progress, and my account remains inaccessible. 

The freezing of my account has not only deprived me of the loan amount but also blocked access to my pre-existing funds and a paycheck received on XX/XX/XXXX. This situation has exacerbated my financial difficulties, leaving me unable to pay essential bills, including utilities and housing costs. 

I urgently request your assistance in resolving this matter. I am willing to provide any additional information or documentation necessary to facilitate this process. The current situation has placed me in an untenable position, and I appreciate any support or guidance you can offer to help me restore access to my funds. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IN)

XX/XX/year> my husband passed away. His and mine social security checks had already been processed and on the way to be sent out. As of XX/XX/year> social security had it changed to one payment after my husband passes away. XXXX XXXX to order checks and remove his name from account, woke up next day checked bank and was negative {$1200.00}. I called social security and they didn't not request any amount of money back for the passing of my husband. The next check that was processed amd sent was the correct amount for just me and not my husband and I together. Social security doesn't not want the money and I am not sure why pnc took it with out authorization from I.