davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (TX)

Sunbit report 3 late payments to the credit agencies. According the XXXX XXXX XXXX 15 usc 1681 ( a ) ( 2 ) .exclusions ( i ) this redoing is a violation of the law.this law under exclusions states that .EXCLUSIONS : Except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( i ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( sunbit ) making the report. Therfore reporting late payments to XXXX, XXXX  and XXXX is a clear violation of this law. Please remove late payments from my credit report.
Consumer complaint received 2024-06-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I was XXXXXXXX XXXX XXXX with my XXXX, she was very XXXX  to me XXXX  me to get a line through XXXX because she couldn't get her her owe phone line because of a debt she owed with XXXX 

I was sending her money every month but she never paid it. 


1328 is the debt they want to collect I've tried to reach out already, please help Also the law says 15 usc 1692c ( c ) " If a consumer notifies a debt Collector Ihat tbe cansumer refuses to pay a debt the debt collector must cease all communication "
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Mohela failed to send me a notice of payment due date prior to 30 days before my loan payment was due. I received notification on XX/XX/XXXX for payment due on XX/XX/XXXX, in violation of Education Department policy ( screenshot attached ) This is the same exact issue that happened in XX/XX/XXXX, which caused the Administration to intervene and put everyones payments on hold. I shouldnt have to wait on hold for hours or write to the CFPB for a government-owned company to follow public regulations.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-06
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. (NJ)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX : ** XX/XX/year> **Amount : ** {$670.00} **Status : ** Still on credit application **Dispute Reason : ** Identity Theft **Summary : ** As of XX/XX/year>, an amount of {$670.00} remains on the credit application, which has been disputed due to identity theft concerns. The investigation into this matter is ongoing.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

I would like to request assistance with an issue I am having with my bank after a car rental company billed me multiple times for the same rental contract ( s ). We had a long term rental and we realized that when we dealt with a particular member of a regional branch we were having billing issues. We have escalated it through the various levels up to corporate level with the car rental agency and their accountants struggle to explain what has taken place. XXXX XXXX XXXX being the most senior, XXXX XXXX XXXX ( area manager ) and  XXXX XXXX XXXX ( regional manager ).  XXXX XXXX promised in an email that the charge for the specific rental period would be returned back in XX/XX/XXXX, something they have yet on which to make good. 

After submitting two challenges to the bank immediately after discovering these billing issues, along with proof, they still failed protected my interests. The car rental agency ( at a location from which we rented in Arizona ) blamed the bank but we used my fiancee 's XXXX  bank account and the same billing issues occurred. 

My bank account was overdrawn by several XXXX dollars and as it has taken so long following the correct procedure, my bank account has been closed. The bank are refusing to take any further action and the most recent call to the bank resulted in the agent saying they might not reopen the account, even if I was to clear the outstanding balance. 

The bank told me that my option now is to take the rental company to court which I said I was already in the process of finding a lawyer to do so, but I have been informed that you maybe able to assist me? 

I need this account reopened as it is attached to a minor savings account and I want to restore my credit rating - I have never had an account closed or even negative before renting from this particular car rental agency. I kept the bank aprised along the way and yet they still failed me. 

I have been in regular contact with the bank, keeping them updated providing them with concrete proof of the multiple erroneous charges. After many years of being a loyal customer, they have let me down when I needed their help. I feel that it would be extremely unfair for my account to remain closed and my credit rating to be effected, due to the bad business practice of the car rental company.

Time is paramount as I am now at the five month point of my account being closed and after the six month point, I understand that the account will remain closed permanently.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (NC)

Westlake Portfolio has called me so many times during the day, everyday. Monday to Sunday. 
They have called me so many times during the day that it got me fired from my new employer because my phone was going off so much during the work day. I already struggle with XXXX XXXX XXXX  and their constant calling has given me major XXXX 
I was laid off my last job so I wasnt able to pay my debt. And I finally started a new job but got fired because of my phone going off all day!
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (MI)

I have disputed this medical debt twice already w/ the previous collection agency ( XXXX XXXX XXXX  ) & they finally seized action w/ their illegal aggressive tactics just to sell the debt to their partners in crime. Again, this medical debt is fraud. 

( NOW ) PFS LLC & their buddies have all threatened me w/ destroying my credit I worked everyday to uplift, maintain & grow. They keep harassing me STILL calling me derogatory names & insist I pay them or theyll take countless of actions on me so I that I wont have no other choice but to pay. 

I dont understand how collections of this nature are still around. They make a living off fraudulently buying debts from low class corporations & illegally harassing us consumers into feeling helpless enough to pay them. 

To provide further information on the debt : My XXXX insurance that I was covered for & provided XXXX XXXX  ( XXXX XXXX ) has no knowledge or record from this hospital visit. 
XXXX XXXX ( XXXX XXXX, MI ) simply didnt send ANY medical bill/documentation to my insurance provider! 

I gave ( XXXX XXXX XXXX XXXX XXXX my XXXX insurance phone number that Im covered under w/ co-pay & the deductible during my visit.

If you look on the itemized bill that the previous collection agency ( XXXX XXXX XXXX ) provided on my previous claim through you ladies & gentlemen ( CFPB ) ; It is not my cell phone number. 

It is the phone number ( mothers ) that I had & STILL have with my XXXX medical Insurance that I GAVE them during my visit. I gave them my insurance ID number & everything. 

BUT they FRAUDULENTLY billed it under a tricare insurance I DID NOT provide them to collect profits from me. Ive never in my life had any medical insurance issues ever. Been serviced great by XXXX Insurance my entire life. Multiple visits throughout my life and EVEN in 2020 I had my XXXX insurance & cover me w/ no issues once so ever. 

Biggest regret of life is being transported to XXXX XXXX ( XXXX XXXX ) for medical attentioncomplete fraudsters. Now I have these collection agencies preying on me for the last 3 years. Enough is enough man.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (TX)

A fraudulent account was opened on an US Bank credit card using my personal information. 

XX/XX/XXXX account was opened XXXX lender checked my credit report XX/XX/XXXX US Bank raised the credit limit on the account to XXXX XX/XX/XXXX charges of {$8600.00} were placed on the card. 

I received a letter from US Bank on XX/XX/XXXX letting me know an account was opened in my name and they were concerned about the accuracy of the info. 

I called US Bank on XX/XX/XXXX and put a fraud alert on the account.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CAPITAL ONE AUTO FINAN XXXX Balance : {$22000.00} I believe the information being reported to be inaccurate. For that reason, Im requesting all account-level documentation in addition to the following information : Retail Installment Sales Contract/ Lease Agreement/ Auto Loan Contract Include any Arbitration Provisions Complete Accounting and Payment History Notice of Sale/ Notice of Default w/ proof of mailing Explanation of Calculation of Surplus or Deficiency w/ proof of mailing Notice to redeem personal property w/ proof of mailing Details regarding whether the sale was public or private
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

There been some fraudulent transactions on my Wells Fargo for some XXXX transactions and Wells Fargo is basically saying I did it. They are being really XXXX and not following fdic regulations. The person I was talking to was basically saying I did it and she was no help at all. There process is completely XXXX they said because it was my name that they cant reverse it. And this is a huge sum the lady on the phone made me feel like she didnt even want to be on the phone with me and it felt like a chore to her! Unbelievable. And I still havent been credited and this is a huge sum.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I deposited a check from the IRS that was due to me as a refund on XX/XX/year>. I waited a year and a half for the IRS to even send me those funds. The check was deposited and I am now being told that it will not clear until XX/XX/year>. I have never in my life had to wait that long for a check let alone a government check to clear. There are no other banks that hold your funds for 2 months before clearing. I have called numerous times and they say that they can not get a check verification from the bank on the other end that the funds are coming from. They also had the nerve to ask why I needed those funds released earlier than XX/XX/XXXX. I am relying on those funds to pay bills and now have to hold off for 2 more months. I have filed a complaint against capital one and reported this to the XXXX. I do not know what the process is with the bank and the IRS but that is money due and owed to me and should be given to me.
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (RI)

Ive maintained an Ulta rewards credit card for several years. I have kept this card active paid its monthly balance without issue. I recently received an abrupt cancellation notice from COMENITY, who maintains the lines of credit for Ulta.

The generic letter I received from Ulta also miss reported my credit score it did not specify if this abrupt account closure will affect my credit history.

ultimately, I realize I do not make money for Ulta because I utilized my card, but always paid the balance in full, I make them no interest or late fees. I would advise consumers to avoid this line of credit from this company, or similar lines of credit from other stores.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Repeated harassment from XXXX. 

I called XXXX. XXXX from internet money transfer department refused to provide service. I asked for a refernce number for the call, was not provided. She went ahead and refused to even let me speak to a manager, when requested.

Why this repeated harassment from XXXX call centers? WHY!? And when would XXXX call center harassment stop? 

And why would XXXX hold up XXXX transfers? XXXX transfers are supposed to be instant, why send the money out and then put it on hold, doesn't reach my other bank. If someone sends money to someone urgently via XXXX, XXXX will put a hold on that! Why do that? Why make customers'life miserable!? It's not ACH, it's XXXX, then why!? 

I am sick and tired of XXXX drama!
Consumer complaint received 2024-05-31
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. (OH)

Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 



2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt. 



False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 



4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 



Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 



In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded. 



I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records. 



Thank you for your attention to this matter. Please contact me if you require any additional information. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I keep the same number with all my creditors XXXX. I have ample evidence, calls, dates. I have called discover time and time again to please keep this number on record. When I call in it shows a different cell number XXXX. Which has bend long disconnected. I can not log into my accounts since XXXX. When I log in the AI system wants to send a code to a number that should not be on record and I no longer have with no other options. I can not make my payment by phone or on line. Its sad to go through this when I called over and over and clearly the evidence shows Discover knows exactly what they did. I reported to consumer affairs. 
This is beyond ridiculous. I am not going to pay a late fee when I can not pay via phone or on line.
Consumer complaint received 2024-05-31
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: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX my wallet was stolen, since then I have had XXXX hard inquiries on my credit report, for various credit cards that I have not applied for, please help
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Branch Messenger, Inc. (NC)

For unknown reasons the account is locked and can not access earnings. Its been 6 days and the company Branch will not respond or resolve my access. Your directed to first level help desk, they say it is elevated yet never a responce from the supposed elevated team. 
I need to know why it was locked out and access to my earnings.
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: UNITED BANKSHARES, INC. (MD)

UNITED HAS NOT PAID RE TAXES ON MY BEHALF AND KEEP EVADING ME WHEN I CALL. 
TAXES WERE DUE IN XX/XX/2023. 
I RECD A TAX SALE LETTER FROM XXXX LAST WEEK. 
I CALLED THEM THIS WEEK AND WAS TOLD TO IGNORE IT AS XXXX XXXX JUST SEND THIS LETTER TO JUST SEND IT. IT DID NOT MAKE SENSE- WHY WOULD A GOVT AGENCY SEND A LETTER TO ITS PEOPLE TELLING THEM THE PROPERTY WILL GO INTO TAX SALE JUST FOR SAKE OF IT. 
I WAS TOLD TAXES WERE PAID IN XXXX BUT WAS REFUSED TO PROVIDE A PROOF WHEN I ASKED. 
I CALLED NEXT DAY ( XXXX ) AND ANOTHER PERSON TOLD ME THE TAXES WERE JUST SENT THE DAY BEFORE ( XXXX ). FOR {$8300.00}. THE DAY BEFORE I WAS TOLD THE TAXES SENT IN XXXX WAS {$7700.00}, WHICH WAS THE ACTUAL TAX BILL. 
I AM NOT SURE WHAT THESE PEOPLE ARE DOING. I ASKED TO TALK TO SOMEONE IN ESCROW DEP AND WAS TOLD THE LADY IS NOT IN- IS THERE ONLY ONE PERSON IN THE WHOLE DEPT? HOWS THAT POSSIBLE. 
I STILL HAVE NOT HEARD BACK FROM THEM. THEY ARE TAKIN MONEY FROM MY ESCROW AND SENDING SOMEWHERE UNBENKWNST TO ME. 
I NEED HELP PLS.