davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

Commencing on or about XXXX XXXX, I fell victim to a multi-layered scam operation run by Coin gold ( the Company ), which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of TD Bank to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/year>, I was scammed and sent a {$1500.00} payment on Zelle for a deposit on a car. I reached out to the " friend '' to get it back and was told it would be returned. Got blocked so I moved onto other options. Reported to both my bank and Zelle, and have not heard anything so far. I'm not sure what to do next.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (LA)

I have been using Zelle since 2019, I use to send and receive money with friends and family. I have never once done anything against company policy, I have never scammed anyone or did anything fraudulent. Zelle won't let me use my account since XXXX, and I spoke to a representative, but they couldn't give me any information. I am willing to provide proof of any kind that they XXXX need for me to prove I have not done anything against company policy. Zelle is the way I transfer money to and from friends and family because of its convenience.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

Dear Credence Resource Management, I am writing to dispute yet AGAIN the fraudulent account you have reported on my credit file. XXXX XXXX is the supervisor and has took full responsibility of reporting this inaccuracy and should be punished and unable to access anyone 's private information. I have never conducted any business with your company, nor have I signed any application or agreement authorizing you to access or report on my credit. I also sent them letters and emails stating this was not my debt and they were suppose to cease collection yet they have continued to wrongfully report it causing me heart ache and pain. I plan to sue for {$1000.00} per violation and seeking to have XXXX jailed for using my personal information to her own benefit of meeting This is a clear breach of my privacy, a violation of my consumer rights, and a misrepresentation of facts under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Here are the key facts : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. Upon discovering this, I contacted XXXX, who investigated the matter, confirmed the fraud, and closed the account. XXXX XXXX responded on behalf of XXXX , confirming that I was not responsible for the account. Despite this, Credence Resource Management contacted me weeks later, falsely claiming I owed a debt related to the fraudulent XXXX account. I informed Credence that the account was fraudulent, and they requested I send a fraud form to XXXX, which I did. XXXX has acknowledged the fraud and confirmed that I am not responsible.

Despite never doing business with your company and after XXXX acknowledgment of the fraud, Credence has now inaccurately and unlawfully reported this account on my credit report.

This is a clear violation of my rights under the following laws : FCRA ( 15 U.S. Code 1681s-2 ) Duty to provide accurate information to consumer reporting agencies. Credence has reported false information, failing to correct it after being notified of the fraud.

FDCPA ( 15 U.S. Code 1692e ) Prohibition against false or misleading representations. Credence is falsely representing a debt that I do not owe, and reporting it to credit bureaus without any legitimate basis.

FCRA ( 15 U.S. Code 1681b ) Permissible purposes of consumer reports. Credence has no permissible purpose to access or report my information, as I never entered into any business relationship or signed any contract with your company.

I expect written confirmation of your compliance with this request within 10 business days of receiving this letter.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX  accont number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX account number XXXX has violated my right 15 U.SC 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 written instructions
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Portfolio Recovery Associates , LLC [ Portfolio Recovery Address ] [ City, State, ZIP Code ] Subject : Notice of Potential Identity Theft Dear Portfolio Recovery Associates, I am writing to inform you that I believe I am a victim of identity theft. I recently discovered that an account in my name has been placed with your agency for collection. I did not open this account, nor did I authorize anyone to do so on my behalf. 

I have already reported this incident to the Federal Trade Commission ( FTC ) and have filled out the necessary forms on IdentityTheft.gov. Enclosed with this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Affidavit. 

In light of this situation, I request that you : Cease all collection activities related to this account. 
Remove any negative information associated with this account from my credit report. 
Provide me with any information you have regarding this account, including the original creditor, account number, and any transactions made. 
Please confirm in writing that you have received this letter and that you will take the necessary actions to resolve this matter. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

I bank with Wells Fargo and I have a signed up for an overdraft protection which is supposed to automatically move money from my savings to checking to avoid negative balances and overdraft fees. 

Wells Fargo continuously lets my account go negative even though there is $ XXXX in the savings account. I have requested that they remedy this and they refused. 

They are causing me problems with acquiring a home loan, Wells Fargo is a terrible company that should be investigated. I have had so many problems with this company I have reached my breaking point.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NJ)

I have never been late in paying any accounts, and I always pay on time and did not give written consent for the reporting of these late payments. The accounts with reported late payments on my credit report are inaccurate and do not reflect my actual payment history. Upgrade Inc 's reporting of these late payments violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as they failed to ensure accurate reporting. I request an immediate investigation.
Consumer complaint received 2024-10-25
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: Early Warning Services, LLC (GA)

i, XXXX XXXX XXXX a trust fund baby and I DO NOT have, nor have I ever had, any bank accounts under my name and never applied for bank in my life. Once again I am not requesting an identity theft block am demanding the complete investigation and deletion of all inaccurate and unauthorized banks accounts listed on my Early Warning consumer report. My initial dispute I ask for investigating and deletion. Your response was to add an unauthorized ID block On XX/XX/XXXX and XX/XX/XXXX which is not what I ask you to do in my initial dispute. Early warning you have failed to address my clear instructions, which were to remove delete all bank accounts from my file. Let me reiterate, I am not here to negotiate or request a ID block ; I am holding you accountable for the full deletion of these fraudulent accounts. Delete all bank accounts in my filed not just XXXX. 
XXXX XXXX XXXX XXXX Dispute XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Dispute XXXX ), XXXX XXXX XXXX XXXX ( Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

This is a XXXX complaint against PHH mortgage. Every year they fail to update insurance on their file. This year we have same insurance as we had last year. PHH Asked to send updated policy. We did. PHH asked to supply document that shows our personal names on the policy. We did. WE received email and mail once again that they are unable to update our insurance. PHH purchased our loan from XXXX XXXX. I have loans in few different banks, so we can compare multiple mortgage companies. PHH is the only company that tried to defraud us every year trying to charge us for fake insurance because they are " unable '' to update our insurance. I am sure we are not the only customers with this issue, We are asking to audit PHH for fraudulent practices and they shouldn't be able to carry commercial landing license. All our insurance policies are in effect and all information was provided on timely manner to PHH
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (GA)

I recieved 3 texts over a two week span from Radius Global Solutions LLC about a debt for XXXX XXXX XXXX. The text was false and misleading because i havent received a letter from them. Today they called me and told me the name of the debt and company which i dont acknowledge. They didnt provide me with any details about the debt besides the companies name. Also im aware of my rights and they violated them according to the FDPCA contacting me without me receiving written communication. When i stated that the woman rushed said she notate that and quickly hung up the phone. Ive did further research on the company and the states that they are licensed to collect debt in and XXXXXXXX XXXX  isnt one of them i will be attaching screenshots of the text they sent as well as the call duration & lastly a screenshot showing the states they are allowed to collect debt in.
Consumer complaint received 2024-10-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This issue is ongoing. I have been, and currently still am, getting multiple phone calls a day from Portfolio Recovery Associates. Anywhere from 5-10 calls a day. I have told them to stop calling. I have stated numerous times to put me on their do not call list, and that my number is on the registered do not call list. They continue to call and harass me daily.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Radius Global Solutioins comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NM)

I have lost my credit worthiness due to not making a payment on a late fee I believe not to be correct. I have been paying this card on time and was charged a late fee, I have not used the card and the late fees continue to add up. I do not feel this is a fair practice as the original balance was very minimal. Target is now charging me not for purchases but for late fees over late fees. most of the amount owed is late fees on top of late fees. 
I need for this to stop and for target to clear my credit as I do not owe the late fees that arbitrarily am being charged.
Consumer complaint received 2024-10-24
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: GOLDMAN SACHS BANK USA (VA)

I have over 50 fraud charges and was not provided provisional credit for most of these. I have another complaint outlining the gross negligence of the fraud charges themselves. I have attached an example of not getting my provisional credit. This card was also STOLEN so some vendors may be legitimate but I did not authorize these
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I set up an account with XXXX, XXXX and Experian so I can look at my credit report on scores online, and after a few days XXXX and Experian is saying i have the wrong log in. XXXX says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no response.
Consumer complaint received 2024-11-01
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. (MO)

I am a victim of a recent data breach and respectfully request the immediate blocking and deletion of certain accounts listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed to safeguard against further unauthorized use of my personal information.

Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00}
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation.

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-28
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. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My credit is going down, and the only thing I can think of is my car. I was to put a down payment of XXXX on a car in XXXX. In XXXX I got in an accident. Days after the accident I met someone online who said they fixed cars. I let him tow my car to fix it I paid him XXXX in full but turns out he scammed me. He had my car for over 4 months and I shouldve realized it. He never gave me my car back and I told the dealership they told me they would handle it. Mind you, I had XXXX insurance and paid {$300.00} a month for it. I never was given another car, a rental, or even another chance for a car so Im very confused. But when I called them they said they would handle it.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CA)

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 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm reviewing my credit report and noticed inquiries that are not mine. 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to emphasize that this complaint is not a MISTAKE. My credit report has inaccuracies that are not assured to be the maximum possible accuracy that is not allowed under the law which protects me as a consumer. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX DATE OF INQUIRY : XX/XX/2023, XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2023 & XXXX DATE OF INQUIRY : XX/XX/2023