davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Frontline Asset Strategies, LLC (OR)

I have never done business with XXXX XXXX or XXXX XXXX XXXX. Never had an account with them, never had a debt with them. never had service with them. 
Frontline Asset Strategies XXXX XX/XX/2024 Good news, XXXX! You can satisfy your account for less! 

Your creditor, XXXX XXXX, has offered to resolve your account for {$1000.00}. After you've paid this amount and funds have cleared, you will be notified that your account has been satisfied, and you no longer owe this debt. 

To take advantage of this offer, you can pay online using the link below, or you can reach us by phone at XXXX or via Live Chat at Frontlineas.com. We request payment by XX/XX/2024 and are not obligated to renew this offer. If you need additional time to respond to this offer, please contact us. 

Sincerely, XXXX XXXX This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 


Satisfy Your Account You may also copy and paste the following URL into the internet browser of your choosing to access our portal : https : //payfrontline.com Name : XXXX XXXX Reference # : XXXX Current Creditor : XXXX XXXX Original Creditor : XXXX XXXX  Original Account # : XXXX Balance : {$1300.00} Description : XXXX XXXX XXXX  This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Hours of Operation : Mon-Fri : XXXX XXXX. to XXXX XXXXXXXX XXXX TTY : Dial XXXX and provide : XXXXXXXX https : //payfrontline.com Copyright 2024 Frontline Asset Strategies , LLC. All rights reserved. CLICK HERE TO UNSUBSCRIBE. 

PRIVILEGED AND CONFIDENTIAL : This electronic mail message and any attached files contain information intended for the exclusive use of the specific individual or entity to whom it is addressed and may contain information that is proprietary, privileged, confidential and exempt from disclosure. If you are not the intended recipient, you are at this moment notified that any viewing, copying, disclosure or distribution of this information is prohibited and may be subject to legal restriction or sanction. Please notify the sender, by electronic mail or telephone, of any unintended recipients and delete the original message and any attachments without making any copies.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Neon Newco Corporation (FL)

XXXX XXXX XXXX & XXXX XXXX XXXX Phone ( unknown or unreachable ) XXXXXXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX profile photo for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX profile photo for XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Corporate Development United States, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX Louisiana Laws Civil Code CC 1953 Fraud may result from misrepresentation or from silence. 
Universal Citation : LA Civ Code 1953 SECTION 2. FRAUD Art. 1953. Fraud may result from misrepresentation or from silence.

Fraud is a misrepresentation, or a suppression of the truth made with the intention either to obtain an unjust advantage for one party or to cause a loss or inconvenience to the other. Fraud may also result from silence or inaction. 
Acts XXXX, No. XXXX, XXXX, eff. XXXX XXXX, XXXX. 

Under Florida law, fraud is defined as concealing information that should not have been concealed, purposefully lying, or undertaking any sort of dishonest act for the purpose of benefiting oneself and duping XXXX. A person found guilty of fraud in Florida faces anything from restitution to extensive jail XXXX. It is also unlawful for any person to cash or deposit any item in any bank or depository with intent to defraud, which constitutes a felony of the third XXXX. 
Learn more : XXXX XXXX Code XXXX - Fraud by wire, radio, or television XXXX XXXX Notes XXXX | next Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-09-13
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

i noticed some unauthorized inquirys on my credit report. I did not authorized any of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I opened an account and in less than a week the bank blocked my funds and asked me to give them the phone numbers of the people who transferred me. They believe there was suspicious activity. I explained to them where the money came from. However, they decided to close my account and agreed to investigate and refund my money. I received an email where the investigation had concluded. But my money still hasn't been sent to me in a check as we agreed.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (SC)

When I received my XX/XX/2023 statement from Discover, there were 2 unauthorized charges from an auto company out of North Carolina. Discover has denied my request that these were unauthorized transactions. They want me to provide them with PROOF that these are unauthorized transactions. I told them I do not know who that company is and Discover told me that when they tried to contact the company, the company NEVER responded back. I closed this Discover credit card today when I spoke to XXXX, in Discover Corporate Office and he REFUSED to give me the mailing address where I can have the Small Claims Court serve them the legal documents. I have gone through the XXXX XXXX XXXX and Discover still claims since the credit card was in my possession and there were other valid transactions on this credit card, therefore these 2 transactions were valid. I asked Discover to please send me PROOF that these 2 transactions were valid, and they told me that they do NOT have proof. Discover ADVERTISES that as a customer you are NEVER held liable for any FRAUD or unauthorized transactions. I was a customer in excellent standing with Discover ( I had the card a little over 1 year and they increased my credit limit by {$2000.00} ). I always pay the entire amount in full each month. Discover is INTENTIONALLY MISLEADING their customers and INTENTIONALLY FALSELY ADVERTISING what they will do concerning unauthorized transactions. There is no excuse for Discover trying to hold me responsible for charges that I did not make and reported this to them as soon as I received the statement. It is sad since I am a XXXX citizen and not very good on the computer that Discover REFUSES to give me the correct mailing address so I can file a Small Claim case since they refuse to honor what they advertise. XXXX XXXX XXXX deserves better treatment than Discover gives us.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I notified all 3 Credit Reporting agencies XXXX XXXX, XXXX, and XXXX- as well as Capital Ones CreditWise subsidiary- that I was no longer an authorized user of my estranged spouses XXXX XXXX Credit Card XXXX None of the parties have removed the debt from there reports. The end result is that my credit score has been artificially been kept low by including this debt in the calculation of my credit score.
Consumer complaint received 2024-03-08
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: Cascade CISS Holdings, LLC (FL)

I have these hard credit pulls that I did not authorized in my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS XXXX XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-08
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: Army and Air Force Exchange Service (TX)

The credit reporting agency we are dealing with is XXXX. The furnisher company is Army & Air Force Exchange SVC. ( " AAFES/Military Star '' ). This account has recently been officially closed. XXXX. Nevertheless, the incorrect data is still being reported on my credit report last XXXX : XXXX. 

I noticed that my previous credit report displayed payments and dates from XXXX to the present, but this information has disappeared, and the XXXX XXXX XXXX now only reports payments from XXXX to the present. I have disputed this incorrect information with XXXX multiple times, but they have refused to take any action to fix the problem. 

I respectfully ask CFPB Consumer Financial Protection Bureau XXXX, to kindly answer the XXXX questions below, which are in the public interest as they impact every consumer. Getting credit restored is a process and consumers deserve the benefit of timely payments being reported, even those involving past-due accounts. 

QUESTION # XXXX When a consumer becomes delinquent on an open account with a creditor, and the creditor turns the account over to a collection agency, at what period does a consumer have to be delinquent? Is it 90 days or 120 days before an account is turned over to a collection agency? 

QUESTION # XXXX At what period does the clock start to run, concerning the XXXX years, once a consumer becomes delinquent and their account is placed in the collection department? 

QUESTION # XXXX Is a collection agency, furnisher, or creditors collection department, required to report to the CRA XXXX all payments made on the delinquent account, as agreed, and is the CRA XXXX then required to list such payments on the credit report, or are the furnisher, creditor 's department or collection agencies exempt from reporting progress on this account? 

According to XXXX XXXX XXXX ( b ), whenever a consumer reporting agency prepares a consumer report, they should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. ( Pub.L. XXXX, XXXX VI, XXXX, as added Pub.L. XXXX, XXXX VI, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ). 

Fair Credit Reporting Act, as stated by XXXX, is to ensure fair, accurate, and XXXX XXXX XXXX. XXXX U.S.C.A. XXXX. Under XXXX XXXX XXXX of the Federal Trade Commission, " the deletion of information, which is found to be inaccurate, incomplete, or not current or could no longer be verified. '' respectfully Submitted.
Consumer complaint received 2024-03-04
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: GOLDMAN SACHS BANK USA (CA)

I applied for the 0 % / 12 month installment financing for a small home improvement project through a company called XXXX XXXX XXXX 

An affiliate of XXXX XXXX XXXXXXXX called GREENSKY denied my credit application for no apparent reason. a representative of Greensky stated that " we do not get to see any reason why the application was declined '' ... and stated that XXXX will be sending me a letter of explanation for the Denial. 

My XXXX  score is XXXX so none of this information by GREENSKY makes any sense.
Consumer complaint received 2023-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (FL)

I am writing to bring to your attention a serious matter regarding your company 's non-compliance with the United States Code. Specifically, I believe there has been a violation of 15 U.S.C. 1692g ( a ) ( 4 ), which mandates that a debt collector must provide a consumer with a 100.34 Notice for Validation of Debt, and a failure to adhere to the provisions of 15 U.S.C. 1692g ( a ) ( 1 ), which requires the use of the B-1 Model Form for debt validation notices.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Ive disputed this item and it is not mine.. and they are harassing me TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX DE XXXX : ( XXXX ) XXXX
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd (TX)

I made a transaction on XX/XX/2024. Using my account as source of funding so The transfer service Tranferwise Inc ( Or Wise Inc ) could add the funds to the balance account I have with them. The money was debited via ACH from my account but as XXXX the funds are not yet available for me to use within the app even though they stated the fund would be available by EOD XXXX. 

I called them several times to try to understand the issue and they just made excuses and ended hanging out the call with no resolution nor a ETA. Just told me to keep waiting without further assistance or even transferring me to the escalation department.
Consumer complaint received 2024-03-26
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-02-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (WI)

Hello, MR. Cooper Mortgagee Company has raised my escrow payments significantly during the last 12-month period. It kept raising my escrow balance based on falsely provided City Tax rates. I attached forms that show the correct figures. Mr. Cooper continues to make unrealistic hikes to my escrow that do not align with my current HAZARD insurance and City Tax rates. Mr. Cooper is not committed to paying my property taxes on time, resulting in fines and penalties that Mr. Cooper has added to my escrow account under the disguise of 'Escrow Shortage. '
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (FL)

On today, XX/XX/2024 I was notified by XXXX XXXX that I have a new collection on my credit report. I was unaware and received no prior notice of any such debt obligation, nor was I given proof or disclosure of a right to dispute. I suddenly had my credit report include a collection that I was never even informed of therefore negatively impacting my credit without having an opportunity to dispute or resolve the collection.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (FL)

My wallet was stolen while on vacation in Georgia and was used at XXXX different locations. I immediately canceled the card then filed a police report and a dispute with the bank. The bank then told me that there was no error occurred despite being given a police report and refuse to give me my money back.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

Experian will not allow me to file a new dispute on my XXXX  XXXX bankruptcy. My last dispute was one year ago. I would like the item removed as it has been 7 years since discharge. XXXX has deleted the item and I think all three bureaus should be on the same page. 7 years is standard. I am trying to purchase a home.
Consumer complaint received 2024-03-25
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. (TN)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LL Services Parent LLC (MO)

I received a notice that my credit score dropped ten points. I checked my credit report and noticed a hard inquiry that I did not authorize or have any knowledge of. It was on XX/XX/2022 by XXXX XXXX  XXXX via Covious Mortgage Solutions. I would like this removed from my credit report.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 I was contacted by the person who ended up being the scammer. The reason almost 90 days has gone by is because I tried to fix this through my local bankm a waste of time. When this is all over I demand an apology from evberyone involved. I was contacted to purchase XXXX items that I had for sale on XXXX.I told the person they would have to pay me cash, but the person told me that was too much money for a cash purchase ( around XXXX ) so they proposed they would pay me from XXXX ( and I " believed '' him but I was scammed. I agreed so they told me they would send me XXXX money. but then the buyer said they had a XXXX business account That is the second fee in question. I was scammed again and since my XXXX was a personal account they could only pay me in XXXX at a time. so they would send me XXXX and I would send them back XXXX So the man ( with a mideastern accent ) sent me emails telling me how to send them the money. I filled out a XXXX for XXXX ( including fees ). the email said that if I wanted a XXXX business account they would help me get it. All of this was explained to me ( including to pay ( Friends and family ) By the way, I never received the XXXX promised, but I did send them XXXX ( XXXX agrees on the amount ) To get a XXXX business account, A fake email with the XXXX header was provided by the scammer. I was tryting to be nice [ that will be the last time i will be nice ]. I would send this XXXX person ( that was recommended [ this was a scam ] done through XXXX ) XXXX ( including fees ) and I would get money back into my account. The man told me what amount and to whom to send the money ( this was a fictitious amount [ a scam ) so I sent the XXXX to the man who I will name later So total I was scammed in the amount of XXXX. I told the story to XXXX with the fees and XXXX told me my bank had to agree and tell XXXX to reimburse me th money ( XXXX ). My bank told me XXXX had to reimburse me and XXXX told me they had to receive instructions from my " bank '' ( don't ever believe anyone like the clerks at my bank or at XXXX ). Neither happened which is why I am contacting you now. There may be detail missing because I had to type everything over, because your form would accept a copy of my documents. The XXXX representative even told me I would be reimbursed ( LIE ) don't ever believe a clerk.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I noticed that all three reporting credit bureaus are not reporting accurate information. I believe that I could potentially be a victim of identity theft because there are many inquiries being reported that I have no knowledge of. There are also accounts I have removed from one bureau but others are still reporting.