davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Collections Reported by Source Receivables Management Dear CFPB, I am writing to formally dispute the collection account reported by Source Receivables Management on my credit report. This account, which I allegedly owe, is erroneous and in violation of several consumer protection laws, including but not limited to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ).

Specifically, Source Receivables Management has failed to provide the necessary disclosures required by law before furnishing any account information to consumer reporting agencies. This omission is a clear violation of my rights under the stated regulations. Additionally, the collection agency has employed false, misleading, and deceptive practices in their attempts to collect this alleged debt, further violating 12 CFR 1006.34.

As such, I am disputing owing any and all debt to Source Receivables Management and hereby revoke all rights of communication with me through email, text, or calls. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough debt validation.

To validate this debt, please provide the following : 1. Verification of the alleged debt.

2. The original contract or purchase agreement between Source Receivables Management and the original creditor. 
XXXX. Proof that Source Receivables Management is licensed and bonded to collect debt in my state. 

Failure to provide these documents will result in the immediate cessation of any collection activities and the removal of this collection account from my credit report. 

I expect this matter to be investigated promptly and to be provided with a written response within 30 days. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}.
Consumer complaint received 2023-07-06
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (VA)

1 ) Selene stopped sending our mortgage statements when we declared XXXX in XX/XX/XXXXXXXX 2023, in violation of federal law. 
2 ) Selene did not send an annual escrow analysis with an updated monthly payment, which was due XXXX 2024 ; this is also a violation of federal law. 
3 ) Selene did send a 1098 Mortgage Interest Statement ( for 2023 ) in XXXX 2024, but it did not include the interest from a substantial payment that we made in XXXX 2023 to reinstate our loan. 
4 ) Selene just sent us a mortgage statement indicating that we have missed a payment ; but our bank has posted that mortgage payments were processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We are not sure which payment Selene has lost since we have not been receiving our statements. 

We have sent XXXX written requests to Selene on XX/XX/XXXX ( via certified mail ) and XX/XX/XXXX ( via email ) which addressed the first XXXX concerns.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this XXXX  I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TMX Finance LLC (GA)

I got a title loan for XXXX on my XXXX XXXX well then we lost work and I didn't have the money but one day I got a check in the mail so I called to py it off I only had XXXX but they refused to Take said I had to have XXXX I need my title back
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IA)

In late 2022, I was notified by PayPal that I couldn't use PayPal anymore because they determined I was in violation of their acceptable use policy. I was told that my funds would be held for 6 months by PayPal and then returned to me. 

More than 6 months have lapsed. PayPal is still holding my account balance of {$1300.00}. They have not returned it. I have called multiple times and the XXXX time I was ble to get through, the representative informed me that she had created a case and someone from PayPal would call me with further instructions on obtaining my funds. 

Whenever I call PayPal, I'm put on countless hold times by the automated system and I can not get through to a representative. 

I want my {$1300.00} refunded immediately along with interest.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servatus Corporation (TX)

Credit Solutions Corp is reporting a collections account on my consumer report. I have never heard of this company before. I am not aware of any debt or contract with them.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, TILA, GAAP and FDIC, I am requesting that you provide the following documentation : 1. The original or a copy of the signed loan agreement, promissory note, or credit application that clearly outlines the terms of the debt and the obligation to repay.

2. Documentation showing the original creditor did not write off this debt on their tax returns ( e.g. 1099-C forms for the relevant tax years ).

3. Documentation proving the original creditor did not file any insurance claims or receive compensation related to this account.

4. The original signed application for credit and promissory note.

5. Documentation proving this debt was not securitized by the original creditor.

6. Documented proof that you have the legal authority to collect on this specific account including bill of sale, an assignment agreement, or other official documentation, not just a letter.

Simply sending monthly account statements and proof you purchased this debt is insufficient. I require full substantiation of every aspect of this account, as described above, in order to ascertain the precise amount owed and your legal right to collect.

Further, I do not grant you any authority to act on my behalf and I decline any contracts you may offer. Your purchase of this alleged debt does not automatically entitle you to enforce collections, especially when you have failed to provide full validation as requested. Under the Uniform Commercial Code ( UCC ), you are not the holder of any instrument or contract bearing my signature that would grant you such authority.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have contacted equifax several times to investigate and remove this inaccurate and incomplete information. They have failed to send me proof of how this account is accurate, Due to Equifax not complying with the FCRA I am now seeking statutory damages of $ XXXX {$1000.00} per violation. Equifax is constantly reporting and updating a account that is against the Metro 2 compliance based standard and the FCRA. I will have my lawyer to contact Equifax. I attached a copy showing the inaacurate information.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

I have had multiple breaches of my PII. As a result, I have credit monitoring already in place at Experian XXXX XXXXXXXX. Most recently, XXXX XXXX XXXX breached all my PII and sent me a letter with a code to sign-up for XXXX of credit monitoring at Experian XXXX XXXX. I contacted them about how to add this XXXX to my existing membership, and they said they will not do that but I am welcome to create a new account ( which would be 100 % duplicative ). 

It is already a scam and injustice that XXXX XXXX XXXX got off with a mere XXXX of credit monitoring after releasing my name, phone, address, date-of-birth, and social security number. I will need LIFETIME credit monitoring to be protected. However, now the credit monitoring they offered me is being refused by Experian so they can keep the money from XXXX XXXX XXXX without providing me even the most basic of service.
Consumer complaint received 2023-08-03
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$6300.00} XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (GA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (FL)

In XXXX of 2024 I received a notice on my XXXX XXXX report from XXXX alerting me there was a derogatory remark on my report. I was shocked to see that a collection company named Diversified Adjustme was report for {$740.00}... I previously had the same account which held by another collection agency in same amount for {$740.00} which was on my XXXX credit report was previously removed. My question is how can a collection that was previously removed by the credit bureau be allowed to put the same collection account back on my credit report but instead allow another collection agency to do this. I believe this is not right and it is an unfair practice.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I opened a Wells Fargo account XX/XX/XXXX after trying to take advantage of their XXXX account - a digital banking product. XXXX continued to invite me and offer a {$150.00} bonus for signing up, however I was told repeatedly to go into the branch to verify my account. 

The branch was unable to find a department to verify the account, but instead offered me their Everyday Checking account- which I was promised would come with the same fees/bonuses/benefits as XXXX. This was clearly a lie, as its already been shown that Wells Fargo branches will do anything in their power to open an account for a customer- whether they wanted it or not. 

The account worked, however monthly fees began to accrue during the Pandemic. Additionally, I never received a {$150.00} bonus or the promise of NO overdraft fees as the entire nation was - quite literally - shut down and money wasnt flowing as usual. 

After expending multiple hours on phone calls trying to get the original offer - I simply gave up. In XXXX of XXXX I had a transaction with a merchant - XXXX - that wasnt delivered. A dispute was filed with Wells Fargo that showed no delivery, no valid tracking number, and no cooperation from the merchant. Wells Fargo originally provided provisional credit and then reversed it when the merchant replied to the dispute with no proof of delivery. Wells Fargo closed the dispute and despite requesting the documents they relied upon for their decision - as per Regulation E- they refused to do so. I closed the account, and now Wells Fargo is erroneously reporting a {$98.00} negative balance - despite the number not even coinciding with the amount of the dispute. Further, a later transaction with XXXX would show that they refunded that order. 

Wells Fargo has engaged in a string of fraudulent behaviors towards a consumer, and this complaint should be resolved immediately.
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capital Accounts, LLC (OH)

I received a collection debt from a company name Capital account LLC debt collector. For the amount of {$78.00} In behalf of XXXX XXXX XXXX XXXX I have never been at this clinic, I have never incurred in this debt Iam concern about this situation, and I need to straighten this up. 
Thank you for taking the time to help me clarify this issue. 
Kind regards XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

I received a letter of medical debt Reference : XXXX from Fox Collection dated XX/XX/year> in the amount of {$730.00} owed by a XXXX XXXX. I sent a debt validation letter which requested the original creditor 's information, among other items and the following ( copy of letter has been uploaded ) : Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

None of the information requested was provided except for the original creditor 's information. I am very concerned as they are not licensed to collect in my state of Florida, neither licensed in the state the XXXX XXXX XXXX based out of and the original creditor was unable to provide answers to questions as they stated the account was sold to a debt collector. 
In Fox 's response letter, they referred to the original creditor as their " client '' which misleads me to believe they are only collecting for the original creditor when in actuality they purchased the debt and this is diametrically opposed to the FDCPA under misleading representation. I believe this information should looked into as it is very deceptive in manner of expression.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Funds of the amounts {$51.00} were unable to be deposited then so, the money were not returned rightfully, later the issued checks expired. When they sold the accts to XXXX, it mentioned that it did not have the money either. Had me ask BofA for the money. Also, it claimed card XXXX was lost when it was not, it then issued card XXXX in place of it? Unsure of what it was doing? Why? Truly confusing