davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am a mentally incapacitated person as of XX/XX/XXXX XXXX XXXX XXXX by Social Security XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I am enclosing copies of supporting evidence of time of sale XX/XX/XXXX. The customer had a valid driver 's license. Customer did in fact produce a valid drivers license. Customer produced proof of insurance. While customer did produce proof of insurance, she was approximately {$820.00} behind on XXXX XXXX insurance payments which she paid {$400.00} on XX/XX/XXXX XXXX pm. She produced insurance, not valid up to date coverage insurance. XXXX XXXX XXXX should produce records where the remaining {$410.00} was paid. The customer did in fact produce a picture on her phone of her paystubs. The customer did not fill out the credit application. The credit application was typed in on XXXX 's computer merely asking customer the questions on the application. The credit application was fraudulent. In fact, the customer under Employment title is a delivery driver for XXXX, not a XXXX, under Employment Type Professional, in fact customer is not a Professional. Under Gross Income shows {$4400.00} per month when in fact the customer makes {$1400.00} per month based on XXXX tax return {$17000.00}. Residence Type stated customer was Living w/relatives, when in fact she was living at the address as stated on the Sales Contract XX/XX/XXXX Monthly Rent/Mortgage stated {$0.00} when in fact the customer was paying {$690.00} a month rent XX/XX/XXXX. The credit application was not fully completed, falsely submitted by XXXX XXXX XXXX XXXX XXXX XXXX  approving the customer for a loan she could not afford. But fact shows customer was approved for credit by XXXX XXXX  for {$31000.00} @ 13 % interest for 75 months ( XXXX years ) payment of {$610.00} monthly, XXXX warranty add on of {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} based on false information on the credit application. Customer denies knowledge of false information submitted on the credit application. Based on evidence submitted, the customer has XXXX evaluation evidence of mental retardation, deficits in intellectual functioning at a fifth-grade level, limited employment skills to maintain gainful employment. Facts show customer has developmental delay, intellectual XXXX, XXXX XXXX, XXXX, and XXXX. She is limited in her self-help skills and daily living skills. Because of these faults of XXXX XXXX XXXX they damaged the customer, exploited her, she's depressed, the Terrain repossessed, lost her life savings, and entered a XXXX XXXX XXXX.
Consumer complaint received 2024-08-01
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. (TX)

I am of a victim of the XXXX XXXX XXXX and filed Identity Theft report with FTC with regards to inquires on my EXPERIAN credit report. The Identity Theft report number is XXXX and i have attached a copy of the report to this complaint. My rights under FCRA are being violated due to identity theft and requesting immediate deletion of the unknown inquires listed below : 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 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 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AR)

I am a XXXX XXXX  person as of XX/XX/XXXX XXXX XXXX XXXX by Social Security XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I am enclosing copies of supporting evidence of time of sale XX/XX/XXXX. The customer had a valid driver 's license. Customer did in fact produce a valid drivers license. Customer produced proof of insurance. While customer did produce proof of insurance, she was approximately {$820.00} behind on XXXX XXXX XXXX payments which she paid {$400.00} on XX/XX/XXXX XXXX pm. She produced insurance, not valid up to date coverage insurance. XXXX XXXX XXXX should produce records where the remaining {$410.00} was paid. The customer did in fact produce a picture on her phone of her paystubs. The customer did not fill out the credit application. The credit application was typed in on XXXX 's computer merely asking customer the questions on the application. The credit application was fraudulent. In fact, the customer under Employment title is a XXXX XXXX XXXX XXXX, not a XXXX, under Employment Type Professional, in fact customer is not a XXXX Under XXXX XXXX shows {$4400.00} per month when in fact the customer makes {$1400.00} per month based on XXXX tax return {$17000.00}. XXXX XXXX stated customer was XXXX w/relatives, when in fact she was living at the address as stated on the XXXX XXXX XX/XX/XXXX Monthly Rent/Mortgage stated {$0.00} when in fact the customer was paying {$690.00} a month rent XX/XX/XXXX. The credit application was not fully completed, falsely submitted by XXXX XXXX XXXX XXXX Ally Bank approving the customer for a loan she could not afford. But fact shows customer was approved for credit by Ally Bank for {$31000.00} @ XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX years ) payment of {$610.00} monthly, XXXX warranty add on of {$4000.00}, XXXX & XXXX XXXX XXXX {$1500.00} based on false information on the credit application. Customer denies knowledge of false information submitted on the credit application. Based on evidence submitted, the customer has 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 XXXXXXXX, XXXX XXXX, XXXX, and XXXX. She is limited in her self-help skills and daily living skills. Because of these faults of XXXX XXXX XXXX they damaged the customer, exploited her, XXXX XXXX the XXXX repossessed, lost her life savings, and entered a XXXX XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: DigniFi (MI)

I made a payment from my personal checking of {$650.00} direct to DigniFi which left my acct on XX/XX/XXXX and showed paid out of my acct on XXXX. I also sent an additional payment of {$170.00} using DigniFi 's website on XXXX. The payment of {$170.00} has been credited. The {$650.00} has not been. I talked to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today on XX/XX/XXXX. I emailed Proof of Payment on XX/XX/XXXX. When I talked to them on XX/XX/XXXX, they said they found the payment and it would be credited. To date, it has not been. Moreover, when I called today XX/XX/XXXX and talked to XXXX he said he can't even find my account. I feel this company is withholding payment application on my account in order to bump up interest collection. And, I have not received a billing statement for XX/XX/XXXX ( payment due on the XXXX ).
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TN)

Credence Resource Management LLC reached out to me earlier this year ( around XXXX or XXXX ) claiming to be a debt collection agency contacting me regarding a $ XXXX debt with XXXX  XXXX. I reached out to Credence on XX/XX/year>2024 asking for the following XXXX items and allowing them 30 days to produce them : 1. A copy of the original contract SIGNED BY ME where I agreed to pay the alleged balance. 
2. Payment history I have with the original creditor 3. Proof of debt assignment I received a letter today ( XX/XX/year>2024 ) from Credence that was dated for XX/XX/year>2024 that only stated their investigation verified valid charges on " my '' account. They've already negatively impacted my credit on XXXX. Their refusal to acknowledge the right afforded me and other consumers under the Fair Debt Collection Practices Act to have PROOF of their right to collect from me convinces me that they're a scam.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the persistence of discharged student loans on my credit report. Despite providing the necessary documentation, including the discharge letter, the credit bureaus have neglected to update my report accordingly. 

The inaccurate reporting has adversely affected my creditworthiness, despite my compliance with all procedures. I request the CFPB 's intervention to ensure the immediate removal of these entries and to prevent similar occurrences in the future.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

They contacted me via mail Letter dated XXXX stating that I owed money to XXXX that they now own it and they were collecting the debt as the Account Summary only as proof.

I have disputed this 5 times with them and submitted the 2 letters from XXXX stating this account is under Fraud Review. I have requested documentation where they own or manage the Account as per their letters. As of today, they have NOT provided as documentation.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (MD)

On XX/XX/year> I initiated a currency exchange from USD to AUD. I used XE currency exchange app and I was directed to submitted a wire transfer of XXXX to Dandelion Payments INC DBA XE USA to XXXX XXXX XXXXXXXX XXXX XXXX and account number XXXX. On Monday the XXXX I contacted XE and they advised they never received the money they continued to ask me to provide verification from my bank but they never reached out to their bank XXXX XXXX XXXX XXXXXXXX ) to inquire about the whereabouts of the money which XXXX XXXX told me was with XXXX XXXX XXXXXXXX. I am sending all of my receipts and the app details which also contain an address for XXXX XXXX XXXX in New York that does not exist at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My XXXX is out of my account and XE cancelled my transaction. This is looking like fraudulent activity. 
XE reference number XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (OH)

Received and alert today regarding my former car loan. It was reported to experian as derogatory - XXXX  XXXX XXXX XXXX. the company was paid in full from the dealership. They intentionally tanked my credit score. They never even sent me paperwork regarding the closure of my account which is federal law. The also put on their that it was a gov/insurance claim to which I did not file neither of those nor did they.
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MO)

I never signed a HIPPA release form with the alleged creditor or received an initial demand letter or validation of debt. This is a violation and has been forwarded to my attorney. HIPPA laws protect my personal info from being used w/o my consent.
Consumer complaint received 2024-06-02
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. (NM)

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX  TX : XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SG and Associates (FL)

Subject : Immediate Cease and Desist Request for Inaccurate Credit Reporting Dear STAFFORD GROUP AND ASSOC I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : LATE PAYMENT OR UNPAID COLLECTION This account is inaccurately reported as a delinquent account, which is not accurate This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (TX)

I have made multiple disputes regarding a debt that I paid to have deleted from my credit report. The original creditor was Upstart, and the debt was later purchased by XXXX XXXX, who used a third party named XXXX to collect the payment. The debt was settled and paid in full on XX/XX/year>. However, it is still incorrectly listed on my credit report as a closed, unpaid account, despite the agreement to delete it upon settlement. XXXX XXXX acknowledges that the account has been settled, but there has been no update of the status from Upstart
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with the company 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 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION (CA)

I was served again on XX/XX/XXXX from XXXX XXXX Sheriff 's office - stating I had a balance due of {$2600.00} to Lobel Financial Corp. This is supposed to be remaining balance on a debt from XX/XX/XXXX. 

Original Levy was entered on XX/XX/XXXX against me at my prior Employer - Then was XXXX XXXX XXXX XXXX XXXX- The total due then was {$5300.00}. I paid a total on that levy thru garnishment/payroll a total of {$2300.00} In XXXX of XXXX, I changed to a new job with XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX i was served again for Collection via Lobel Financial Corp thru the XXXX Sheriff 's office for a total of {$5600.00} - I made payments every payday, and paid off the total balance of of XX/XX/XXXX. 

Now, out of nowhere XX/XX/XXXX they served me yet again, for a total now of {$2600.00}. I went down to the XXXX XXXX Sheriff 's office, and was advised I would need to deal with Lobel Financial Corp as they were just the " Bookkeepers '' Attempting to collect the debt. I asked what the debt was for, and they stated " Daily interest '' from the balance that I already paid off. This is Horrible. I contacted Lobel FInancial, and asked for the date of my original Repo which was XXXX of XXXX. 

They would not give me any further information. I do not feel it is within their legal right to pursue any further debt for this 11yr old balance. Especially because I was garnished at 2 jobs, and paid over $ XXXX total which more than clears the original balance owed. 

i Feel it is harrasment at this point, and they are not following the legal law, and how can they collect interest on a debt 11yrs old that was sent to a collector and paid as agreed including the fees by the XXXX Sheriff office . 

Let 's not even mention, the vehicle sold was a lemon, and I voluntarily gave the repo as the vehicle was unsafe and not running. I have moved on in life, and I want them to be forced to leave me alone and close the case.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (MA)

Credit Karma which I dont use anymore and opted out. I also opted out on the 3 credit bureaus from promotional offers and credit karma continues to check my credit agencies up to 4 times a month.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC. (OH)

Caine & Weiner Company Inc never contacted me in regard to a debt that allegedly owe them. I have never heard of the company, only saw it come up on my credit report. I do not know where this debt came from and dont appreciate them just putting something on my credit report with no acknowledgment to the consumer.
Consumer complaint received 2024-08-30
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (NE)

I am writing to formally dispute a debt claim made by TEK COLLECT INC regarding an account with the original creditor XXXX XXXX XXXX XXXX, in the amount of {$1800.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, TEK COLLECT INC has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA )
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Someone fraudulently opened a checking account in my name at Wells Fargo Bank then transferred half of my savings into thst account. I do not own a checking account with this bank, only savings. I do not bank online or have a debit card. I jave been trying to get this investigated. After XXXX trips to the bank and literally several hours on the phone I still was unable get confirmation of an investigation or when I will receive my money back. I am a senior and no longer feel safe banking with this company. Its been over XXXX  months and I am getting the run around and no one is on the same page. I feel violated! Left XXXX messages with branch manager and he never responded.