davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Firstsource Business Process Services, LLC (TX)

On my credit report it is showing that I owe a debt to XXXX XXXX, I reached out to them trying to pay the debt and they sold my debt to a third party first financial that company is not reporting on my credit report only XXXX XXXX is I have received a letter in the mail from first financial stating I have an account with them, So my account is not through First souce so I do not accept this debt nor have I signed an agreement with First Source. And as stated by 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. So I would like this completely removed from my credit thank you. 
With this being said I have also contacted the XXXX  without a response from first financial but honestly I think XXXX XXXX needs to be involved since they are still reporting on my credit and not XXXX XXXX and its inaccurately reporting I would like the debt to be completely removed from my credit report thank you.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Ordered sofa on XXXX using Venmo with buyer protection, seller kept {$310.00} of my refund. Contacted Venmo several times and they keep giving me the runaround and are making me wait for my full refund. The buyer protection charge seems like a money grab and they make it difficult and time consuming to get your money back
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

This company Transworld Systems , Inc, did not send me an opportunity to ask for validation of the debt and just went ahead and reported this alleged debt to my consumer report which violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. As of right now, I am seeking for validation of the following account # XXXX before I proceed with litigation as I did not endorse a contract with Transworld Systems , Inc . In order for me to validate this alleged debt I am requesting all of the following and if you can not provide all of these items I demand to be compensated for damages and for the ceasing of credit reporting. The following items are : ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt.

( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address. 
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

( ix ) The current amount of the debt.

( 3 ) The entire purchase agreement, not just the bill of sale
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (LA)

INNOVIS XXXX XXXXXXXX have been illegally furnishing RE-AGED  US DEPARTMENT OF EDUCATION account XXXX XXXX XXXX XXXX XXXX 3rd  party information. Transactions and experiences are excluded from Consumer Files due to Privacy laws 1681 sections 602 A & 604 section 2 Ensures my RIGHT to Privacy & A Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE As well as violation of 1692c They are also in violation of DEBT PARKING
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

Crown Asset Management, a debt collector, is suing me for a debt that I previously requested validation for via a letter sent to them on XX/XX/XXXX. I also filed a copy of the letter with the courthouse since I was being sued at the time and still lived in XXXX. I first learned about this alleged debt from a letter served to my ex on my behalf on XX/XX/XXXX. Prior to this, I was never contacted by mail or phone about the debt and was not given a chance to validate it in accordance with the Fair Debt Collection Practices Act. After receiving the letter, I sent a validation of debt letter on XX/XX/XXXX requesting more information about the debt. Crown Asset Management never responded to this letter, and it has been over six months since I moved to a new address in XXXX and also had my mail forwarded without receiving any reply. 

On XX/XX/XXXX, Crown Asset Management filed a motion for summary judgment without providing me with the information I requested in my XX/XX/XXXX letter, which I had filed at the courthouse when I lived in XXXX  XXXX. I discovered the motion on their website and was upset that they had not properly furnished me with the requested information. I also noticed that the motion was addressed to an unknown address, so I would not have received any correspondence from them even though I had given them my address in my debt validation letter. Crown Asset Management 's actions appear to be in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and I believe that my rights have been severely violated. I am seeking the removal of the derogatory account from my consumer report as it has had a significant impact on my life.
Consumer complaint received 2018-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have initiated a correction with Transunion, XXXX and XXXX  regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XXXX XXXX I initiated a repeat money transfer with XXXX for the amount of {$3000.00}, from my XXXX XXXX XXXX to my XXXX XXXX XXXX ( exact same transfer, recurring, same data as prior transfers that have completed on time ). They promise XXXX business day transfer. On XXXX XXXX they initiated transfer. As of XXXX XXXX, it has not been completed and shows processing as the pending action. I contacted XXXX and they will not give me any information to confirm the transaction with my receiving bank. They blatantly refuse to show documentation of the process, such as time, date, bank confirming receipt, etc They also said, on a recorded line, that it can take from XXXX days to resolve and get my funds back. I can not go to my receiving bank without any information that an incoming transaction was initiated without corroborating information that it was sent. I dont know what to do. I cant wait for these funds to sit in limbo for a long time, as it is part of our living budget.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am unable to connect to the TransUnion website to view or Dispute. 
Neither will TransUnion Consumer Files download on XXXX I think due to their willful non compliance Deleting my 2 unauthorized fraudulent identity theft Student loans accounts they are removing my ability to dispute directly
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rhojo Enterprises, LLC (AE)

Hello, First, the debt collection agency ORION RECOVERY, did not present a contract ( VERIFICATION OF DEBT ) as requested in  XXXX    XXXX   Orion Recovery -- claimed to have sent me verification documents back in  XXXX    XXXX   verifying the debt but I have not received such. Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor.   Secondly, the original amount that was supposingly owed now has added interest which is a violation in the state of North Carolina  (  which is my state of residence ) according to  58-70-115 . Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. (  5  ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii  )  reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

There is an XXXX XXXX in XXXX MD where someone opened an XXXX account in my name, without my knowledge. I contacted the collection agency and provided proof this debt was not mine, they were not cooperative. 

. I still contest this collection, as it is very apparent that someone else opened their electric account in my name, and paid on the account from XX/XX/XXXX through XX/XX/XXXX. I researched the property in question, and found that is an XXXX XXXXXXXX. I reached out to the property management agency, and have attached a letter from the agency stating that I HAVE NEVER LIVED THERE. 

As there is issue with the lease beginning in XXXX of XXXX, I have also attached copies of my XXXX XXXX from XXXX XXXX during the periods of XX/XX/XXXX- XX/XX/XXXX. 

I again request this be removed from my credit file, as it very apparent someone used my identity to open their XXXX account without my knowledge
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My Inicial Balance Is {$11000.00} the total payment I do is {$10000.00} They say i have a balance due of {$7300.00} I do a payment plan start in XX/XX/XXXX for payment because a loss my job, im pay on time my payment plan and XX/XX/XXXX they repossession the car. now they request i need to pay {$7000.00} for return my XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Account XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (NC)

To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/23 XXXX XXXX  XXXX  credit fraud department called me and requested that I confirm my identity. I refused as banks do not usually call someone unsolicited. I told person that I would contact XXXX XXXX directly after verifying that the phone number is factually XXXX  XXXX fraud department ( XXXX XXXX ). I called them back and learned that someone had applied for their silver credit card on line using my social security number and birth date. I informed them that I did not apply to XXXX XXXX for any form of credit and that this was fraud/identity theft. I then checked XXXX, XXXX, and Transunion to discover that there was a hard inquiry from XXXX XXXX on my credit reports. This has been disputed and resolved at XXXX but XXXX and Transunion continue to show this XXXX  XXXX inquiry. An unknown address and phone number from the XXXX are was also shown by 2 of the credit agencies, which was disputed and removed. 

Transunion did state today that the thief did use my actual name ( without middle name or initial ), my social security number, my birthdate, but the unknown to me : address of XXXX XXXX XXXX XXXX, XXXX IL XXXX and the phone number ( XXXX ) XXXX " This is the same phone number and address that was disputed and removed from my credit report. 

I searched the phone number and address on line and found many numerous names associated to that specific ph and address information that seem to want to appear XXXX  yet the spelling oa say atypical XXXX  name seems foreign say some XXXX  or XXXX
Consumer complaint received 2023-11-15
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

On Saturday XX/XX/XXXX I noticed that {$2500.00} was missing from my account. There was a withdrawal on XX/XX/XXXX of {$2500.00} but there was no additional information. I called First Tennessee customer service but could not get a hold of anyone as they were closed. 

On Monday XX/XX/XXXX I called and spoke with XXXX. She informed me that someone had withdrew {$2500.00} from my account at the XXXX XXXX Branch. I told her that was unauthorized and that I have never even been to the XXXX XXXX location. She said they will begin an investigation and that I will have my money within 2 business days. 

On Tuesday XX/XX/XXXX I received a call from XXXX asking that I go to my local branch to fill out paperwork regarding the investigation. 

On Wednesday XX/XX/XXXX I went to my local branch to fill out the paperwork. I filled out an affidavit stating that I did not withdraw this money. The banker stated that the money was withdrawn from an unknown location, not the XXXX XXXX branch. She could not confirm which location the money was taken from, but confirmed it was NOT the XXXX XXXX branch. I asked for more information and she said it will take up to 30 days. 

I am now short on the money and I need the bank to refund it.
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a hard inquiry on my Transunion Report from, XXXX XXXX XX/XX/XXXX and XXXX XXXX on XXXX. I have disputed these items but they have not been removed. I did not apply for anything on either of these dates. I spoke with the XXXX XXXX XXXX and XXXX XXXX yesterday and they said they did not see where I applied for any type of credit on these dates and I needed to file a dispute with the credit reporting agency. 

I do have accounts with both companies but did not apply for any type of credit on these dates with either company. These inaccurate hard inquires reflecting negatively on my Transunion Credit Report.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (LA)

Under Louisiana statute 29:312 an XXXX XXXX service member may not be charged over 6 % by any credit institution. Regardless of date account was opened. The statute referenced above is linked below https : //legis.la.gov/legis/Law.aspx? d=321064
Consumer complaint received 2023-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GATEWAY FIRST BANK (CA)

I had a back taxes so the mortgage company raise my mortgage at the extra {$300.00}. I informed them the {$300.00} was too much money and Im on a fixing car. They claim to have XXXX year to fix it. I talk to the representative last week and they told me they can continue taking the money up until XXXX  of XXXX excuse me XX/XX/2024 what year is XX/XX/2024 XXXX