davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

AFTER FILING COMPLAINT WITH CFPB, THE BRANCH FALSIFIED A VERY SERIOUS COMPLAINT ABOUT ME AND MY COMPANY. THEY HAVE GIVEN ME A 30 DAY NOTICE AND WILL SHUT ALL MY ACCOUNTS! THEY REFUSED SERVICE AT THE BRANCH WHEN MY MANAGER WHEN TO DEPOSIT OVER XXXX IN CASH YESTERDAY. I HAVE DEALT WITH DISCRIMINATION, NOW DEFAMATION AND JEOPARDIZING ALL MY ACCOUNTS BEING SHUT DOWN! I SPOKE WITH A GUY INCHARGE OF SECURITY? I BELIEVE HE SAID HIS NAME WAS XXXX HIS NUMBER IS XXXX. 

I AM BEING PUNISHED FOR FILING A COMPLAINT!
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (FL)

I am going through financial hardship, long-term due to Reduction in income and increase expenses. I reached out to many credit card companies offered assistance and long-term payoff programs by lowering interest rates and my monthly payment and not having to pay fees. I reached out to Discover to help me. Discover inform me that they have no program available for me to offer at all. I have never been in any program with them and I have made every payment on time up until this month in XXXX.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-02
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)

I am a consumer, a natural living person pursuant to 15 USC 1692a ( 3 ). I am exercising my consumer rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act demanding LVNV FUNDING LLC who is a debt collector pursuant to 15 USC 1692a ( 6 ).

I am demanding LVNV FUNDING LLC to cease any and all collection efforts until LVNV FUNDING LLC obtains verification of alleged debt under OATH as required by federal law pursuant to 15 USC 1692g ( b ). 

If LVNV FUNDING LLC or its representatives fails to comply under federal law I will use any information LVNV FUNDING provide as evidence or insufficient evidence as a violation of the FDCPA and my consumer rights and hold LVNV FUNDING and its representatives liable for damages pursuant to 15 USC 1692k. 

Please note if alleged debt is not verified under OATH or a sworn statement as required leads me to believe that you are committing FRAUD, EXTORTION, RACKETEERING and Abusive debt collection practices. 

I am demanding LVNV FUNDING to delete or remove this account from all credit reporting agencies immediately upon receipt of this NOTICE or I will charge you {$1000.00} per day for damages. This is my offer to you. 

Alleged amount owed {$610.00} Regards, XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX UXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

This company is in violation of 15 US C 1681. I have repeatedly reached out to his company about a debt that I have not been responsible for. By law, my credit report must be fair and accurate on all levels. I am not responsible for this vet, it also has an unverified phone number. It is also against the law to transfer my information to another company without my permission, therefore this Must be removed immediately!
Consumer complaint received 2023-09-12
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: Affirm Holdings, Inc (OH)

In XXXX of 2023, I was informed that Affirm had closed my account due to the inability to verify my identity through their verification process. I requested that my account be recovered. However, I was informed that they would not be reopening my account and that I would not be responsible for any remaining balances. After this communication, I continued to receive emails stating that I needed to make a payment to my account or they would report me as delinquent to my credit bureau. Due to being told that my account was closed and held no responsibility, I called Affirm again. I was again reassured that they closed my account and that I would not be responsible. I was informed that there would be an expedited ticket, and I would hear from a representative soon. I later received an email that I had a message inside the secure messaging portal of my account. Due to the account being closed, I can not log in to view this message. So, I called the company again. I reported the same problem and requested to be contacted directly and not through the portal due to the fact that I could not access it. I was told that a note would be made, and someone would contact me via email. Again, I received an email stating there was a message in the portal. Around the same time, I was informed via XXXX that my account had been reported as delinquent due to a late payment. I called Affirm again. They stated that they were sorry about the credit report and that another ticket would be opened and expedited. However, the issue was not resolved. I tried disputing the issue with my credit bureau, XXXX, and provided the emails I received stating that the account was closed and that I would not be held responsible. However, after two disputes, I was told that Affirm stated that the information was true and a change would not be made to my credit report. I don't understand how the company can continue to claim that this information is true despite several communications stating otherwise. Today, XX/XX/2023, I called Affirm again and spoke with a manager, XXXX. He again stated that he was sorry for the inconvenience and would be opening another ticket making note to contact me directly and not through the portal. At the end of the call, he again confirmed that their development team sent me an email stating that the account was closed and I held no responsibility. I have a recording of this call and have attached it to this complaint. I don't understand why months have continued to go by, and they have continued to be allowed to report to my credit despite multiple communications stating that my account is closed and not delinquent.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (FL)

XX/XX/XXXX I funded the account with {$50000.00}. 
XXXX said i will get {$150.00} per {$10000.00} so a total of {$750.00} if we let money during the XXXX full months, i let the money from XX/XX/XXXX to XX/XX/XXXX. 
I contacted this " bank '' per mail 5 or 6 times, never got any answer. 

I called 2 times in XXXX and XXXX and they said we have to wait 60 days. 

60 days elapsed and still not bonus posted.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH   XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC   XXXX XXXX XXXX  XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I fell into a huge problem with bills and rent so I applied for payday loans, bills kept piling up so I stupidly applied for others to pay loans off. I wanted to file bankruptcy but I cant because I live in Florida and Ill lose my car and I need it to go to work. I will pay my debts but need a lower payment. My account was also compromised after I asked that no more be taken out. Ive been threatened that my wages will be garnished now by text and email. Im barely making ends meet.
Consumer complaint received 2023-08-02
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. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NY)

I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from XXXX XXXX  showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX  XXXX.
Consumer complaint received 2024-07-31
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. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf to delete the following information in my file. The items listed i need deleted are mentioned here in this FTC report. I am a victim of identity theft and did not open these accounts. These accounts fall under the FCRA 15 USC Codes 1681i and 15 USC Code 1682g. As a federally protected consumer, I demand the removal of these listed accounts immediately.
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (GA)

On XX/XX/year> a notice was sent to Aldous & Associates via email, and two phone calls were made as well. The subject was to have the account in dispute for an investigation to be conducted regarding the proof of claim. Being advice to mail the subject matter for review the company provided it's mailing address verbally via telecommunications as well as email. On XX/XX/year>, Requested documents were sent via Certified Mail via courier XXXX for detailed confirmation of receipt. On XX/XX/year> three phone calls were made to the company for next steps and updates on the investigation. Being told by an associate they haven't received the documents I tried to provide proof that the company received it via postal mark postage verified by XXXX on that date. Two more calls were made in attempt to contact a supervisor. Understanding after a while that the associate was the same person impersonating someone else by providing a new name each time a call was made. There was a few times where there were other associates who accepted the call. The company was aggressive using abusive and deceptive actions to harass and harm me as an investor. I have attempted and have successfully contacted the owner of the company to resolve and settle the dispute and was ignored. Notice was given to the company to provided requested information and respond within state statues of limitations in which the company has failed to provide such information and respond. The associate stated that FDCPA allows them to not respond to disputes unless in writing and provided the mailing address; confirmed it, then was advised that it's the exact address the documents they requested was delivered to. The company deceptively ignored documentation it physically picked up as proven on the certified mailing receipt with timestamp posted. The company violated subsection ( a ) of GA Code 15-19-51. The Owner of the company violated Canons 27,35, and 47, Which prohibit ( a ) a lawyer from advertising, ( b ) exploitation of his professional services by a lay agency, personal or corporate, as intermediary between him and a client, and ( c ) use of his name to make possible the unauthorized practice of law. Specifically violating Canon 47, " Aiding the Unauthorized Practice of Law-No lawyer shall permit his professional services, or his name, to be used in aid of, or to make possible, the unauthorized practice of law by any lay agency, personal or corporate. '' The company using the owners name Aldous has permitted his associates to use deceptive and abusive practices stated above and even though the notice was given to the company. It stated they would report on my credit file which it did not prove it had rights to collect.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

On XX/XX/XXXX, I logged in to make my mortgage payment as I do every month. I make the payment, it shows as scheduled, and I instantly receive an email confirmation. Except that this time there is no way to just make a payment from my checking account. Instead there is some convoluted system using language that says nothing about a payment, just confusing language for the customer transferring to BOA. So, I try, and all that happens is something saying something is processing, but also something saying that nothing is scheduled, plus, no confirmation, no email saying any payment was made. So, I wait for a while for the typical email confirmation, but no confirmation ever comes. So after about half an hour I log back in to try to see any activity, and nothing shows, no activity on the account. After searching the site all I can find is a place where it says the same thing, that nothing is scheduled, and that something is still processing. So I try again to make a payment, and again, all I see is the same confusing language about transferring, nothing about making any mortgage payment. Except that now it shows XXXX processing, but still, nothing is scheduled. Now Im getting worried, all I can see is bounced check/payment/overdrawn checking account, all because of BOAs messed up system and website! So I immediately call for support to get one of these processing cancelled, and all they can say is they have no way of doing it, hence no way of helping their customers! Unbelievable! I am VERY upset! I can not believe that a company is so out of touch, so uncaring about serving their customers, that they are willing to leave them hanging, to suffer the consequences of BOAs inept and messed up system! I am VERY DISGUSTED with their total lack of care for their customers, and that they simply can not and will not make things right!