davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (CA)

Google Support Inquiry : Case ID [ XXXX ] XXXX XXXX Google pay account was suspended a few days ago. And Google Pay team has already told me they will not do any further adjustment to fix my google pay account suspension. ( Please see attached email screenshot ). 

I have called my bank to help me get my debit card linked and it was successful. Even their customer service had been telling me my status was looking normal before I told the agent to double check on my account. I have no idea what is the cause of my Google Pay suspension. 

So, after being notified for such unpleasant result, I tried to reach out to google pay team, however, their customer service FAILED to give a confirmed reply to my questions, which are When will my remaining google pay balance to be transferred out to related state authority. 


Which specific state authority that I should contact to collect my funds. 

Andif possible, could I have refund back to my bank. 

For whatever the cause of Google Pay account suspension, I have the right to retrieve my money!
Consumer complaint received 2024-06-25
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. (AR)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : -XX/XX/XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-25
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. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Listed below are the XXXX that are being challenged XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

This fraud was disputed almost 7 years ago. the company XXXX has used several different collection companies and each one verifies that this was fraud. The bank account used did not exist. I never open a account with this company. XXXX perpetuates the fraud even though they know this was not my account.
Consumer complaint received 2024-06-25
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. (MI)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-08-25
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: Resurgent Capital Services L.P. (FL)

I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND LVNV XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY XXXX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. XXXX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND LVNV IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. XXXX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM XXXX
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FC HoldCo LLC (MO)

Flagship Credit Acceptance wrongfully repossessed my vehicle on XX/XX/23 which they admitted to. They returned my vehicle on XX/XX/23 not in the same condition that the vehicle was in when they wrongfully repossessed it. Since the wrongful repossession I have had to rent vehicles which has been costly. The said vehicle is our only vehicle. Both my husband and I have missed out on work which has also been very stressful, frustrating, and costly. And now it is unsafe to drive the said vehicle so now we will have to rent another vehicle. I will attach a list of the damages.
Consumer complaint received 2024-06-25
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: Self Financial Inc. (SC)

" 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 TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Frontline Asset Strategies, LLC ()

The Frontline Asset Strategies Collection agency woman called me on XX/XX/2023 at XXXX from an unknown number listed on my phone as " XXXX XXXX MI '' ( XXXX ) XXXX. The call was 7 minutes long. I did not know I was answering a call from a debt collector. The Frontline Asset Strategies Collection agency woman spoke very fast and forceful in voice tone regarding a debt with my name on it that is a debt between XXXX XXXX XXXX and XXXX that I have case and ticket numbers for in trying to resolve it over the last 15 months. She repeatedly told me the debt is my responsibility and those companies are not responsible and that I need to pay today. When I tried to explain my situation to her about not having any money or income to pay today she said " Well you need to get a job! '' I don't have a job because I care for my XXXX XXXX daughter. When I told her that information she disregarded my situation repeatedly asking me how and when I was going to pay. I attempted to explain to the woman that I would call the company XXXX XXXX XXXX that is responsible for this debt in an ongoing case. I offered my case and ticket numbers and she refused to take them telling me that the debt is my resposibility. The woman hung the phone up on me not allowing me to finish my explanation. Sadly how she talked to me and treated me made me cry as all my efforts I've made to resolve this debt for the last 15 months ; which is not my responsibility at all were disregarded. I think the woman said her name was XXXX but I could be wrong because she was speaking so fast and forceful. I'd like to call Frontline Asset Strategies Collection agency and ask for the woman 's name but I am afraid to call Frontline Asset Strategies because I don't want any trouble or feelings of shame and fear again. I've never been spoken to like that before. I was in shock. My heart is broken hearing the Frontline Asset Strategies woman tell me to " get a job '' when my XXXX XXXX daughter is at stake here and this is a debt that is not mine. XXXX XXXX XXXX is responsible and it's been an ongoing struggle with them.
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NY)

We were in the process of doing a short sale. Shellpoint placed an auction during the process. The property was demolished from the town and this was conveyed to the servicer. My realtor received an email that the investor was willing to do an exception and was approved at the purchase price {$75000.00} which is the land value and that was through email on XX/XX/2023. All parties were informed and the buyer ordered titled and everything so we can close as soon as the approval letter was provided. On XX/XX/2023 another email was received stating that investor denied the approval for failing to meet the required minimum proceeds. They provided the the comp on properties that were commercial property, larger acres and subdivided properties on a XXXX lot of land. We then submitted a value dispute that was never submitted or reviewed by Shellpoint. We tried everything to get this closed prior to the demolition as i don't need that extra cost on me as i can not afford to pay it.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (IN)

Purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX XXXX, within a month the transmission gave out, and the warranty didn't cover part that was failing. I asked the bank to help me Pay for it and they refused to help. So I let the truck stay at the mechanic shop and I walked away.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMK Investments Inc (NC)

The investigation was unfairly investigated and laws was not acknowledged. 
Cmk has not provided any type of debt validation letter regarding this account. This creditor has not sent information or notified me with a letter of debt validation before reporting this information. 
By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. This creditor has not contacted me regarding this account. 
I never confirmed this account was mines. As a consumer I have rights to know whats being furnish on my credit report. I have not received no notice regarding this account. 
A consumer should be contacted first before any information is reported. selling or purchasing information without permission is illegal. I Never gave this company permission to access my credit profile or written instructions to furnish any information on my account. This company has not respected my consumer rights. I want this creditor removed from my credit report immediately. This information has been damaging to my reputation. They have failed to provide information regarding this account. They have not contacted me by mail or by phone. I have not been given a chance to confirm this account with a validation letter with information regarding this account before its reported. This should not be reported until consumer has knowledge of this account. Creditor is stating its been verified but without me involved nor without debt validation with basic information on the account an what's needed. This has been unfairly reported an investigated. Debt collectors are legally obligated to send you a debt validation an confirm ownership. Which is suppose to include my right to dispute. 

validation Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt valid. 
Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication
Consumer complaint received 2018-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Go Capital Holdings, LLC (PR)

On XX/XX/18 I did a favor for a friend who could no pay her monthly installment and paid a one time payment to XXXX who informed me that there would be a {$3.00} fee for payment over the phone. I agreed, but was never informed that there would be an Advance Transaction Fee of {$6.00}. When I contacted XXXX, their response was that they used XXXX XXXX to process all the credit card transactions and had no control as to how XXXX XXXX   processedt them.I believe this to be a deceptive practice as that all fees should be disclosed prior to the termination of the transaction.
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KS)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2019-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I was checking my credit report and I noticed a collection from LVNV company. I received no notifications from this company to validate debt, also I am Filing fraud with FTC due to numerous accounts being open in my name. I am a senior citizen and my information have apparently been issued out to strangers. I would like for them to validate the account is mine. I do not owe such debt.
Consumer complaint received 2024-06-26
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

The company credit control corporation based in XXXX XXXX Virginia sent me a letter stating I owe a debt of {$430.00} as of XX/XX/year> to XXXX XXXX XXXX I know this to be false 1 ) because I haven't had a XXXX visit since XXXX and XXXX ) because XXXX does all payments through XXXX. I received this letter XX/XX/year> however didn't read the letter until very early morning XX/XX/year>. The letter has no information surrounding the claim other than that I owe it and that it's from XXXX XXXX XXXX. I checked reviews for this company and it seems common consensus that they give out false debts commonly and to be frank I believe this is a scam. I already plan on contacting XXXX themselves personally to figure out if there was a data leak recently because I got another scam recently from a company claiming to be XXXX. I don't believe XXXX is involved because their company alias is not XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-25
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (OR)

I requested for a new Venmo card and my account was frozen. They sent a email stating that my account was frozen due to suspicious activity. I sent them the documents they requested and in a response I got a email saying that my account was deactivated and that they couldnt offer me Venmo services and my money would be held for 180 days for loss and prevention and that my emails wouldnt get answered I need that money to be able to pay rest of rent and get medication. I dont know what activities were on my account that broke the rules. Or why they are holding my money