davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (TX)

XXXX ) XXXX HAS AN OLD AND AND ACTIVE ACCOUNT UNDER MY PERSONAL INFORMATION THAT IS AN ACCOUNT SET UP BY ANOTHER PERSON, USING MY PERSONAL INFORMATION ILLEGALLY XXXX ) XXXX HAS BEEN PROVIDED ( XXXX ) SEPERATE FRAUD AFFIDAVITS, POLICE REPORTS, AND WRITTEN DISPUTES ABOUT BOTH FRAUDLUANT ACCOUNTS AND HAS FAILED TO RESOLVE THEM AND REMOVE THEM FROM MY PERSONAL CREDIT BURUEAU FILES XXXX ) XXXX HAS UNLAWFULLY AND FALSELY REPORTING AN ACCOUNT, A COLLECTION ACCOUNT, AND INFORMATION ON MY CREDIT BUREAUS FILES XXXX ) XXXX HAS TURNED THIS FRAUDULANT ACCOUNT OVER TO A COLLECTION COMPANY WHO HAS ALSO UNLAWFULLY AND FALSELY REPORTING AN ACCOUNT, A COLLECTION ACCOUNT, AND INFORMATION ON MY CREDIT BUREAUS FILES XXXX ) I HAVE CONSISTANTLY REPORTED THIS FRAUDULANT ACCOUNT TO XXXX SINCE XX/XX/2023 AND HAVE NOT RECEIVED ANY WRITTENT EVIDENCE THAT THE FRAUDULANT ACCOUNT HAS BEEN RESOLVED AND REMOVED FROM MY CREDIT BUREAU FILES
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (GA)

I have requested that the three major credit reporting agencies XXXX, Experian and XXXX verify all information and entries on credit report file that I have disputed in whole. These reporting agencies never conduct a proper investigation into disputes. Per the FCRA and citing from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX 1996 ) case law, it is their obligation to fully investigate all disputes in full. Failure to do so properly shall result in information deleted from credit file.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

" Bank of America closed my claim for {$2000.00}, it was opened on XX/XX/2023. I had a debit card and someone took the money from my debit card. They opened the claim and then closed it on the same day. They did not send resolution letter. "
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I have consistently tried to close my PayPal account -- -even writing a letter to the company and all I have gotten are " canned comments '' wanting me to open an account so I can close it!!!! No way to talk on phone. There have been several companies that ( even though I have given a credit card to purchase an item ) have sent it to PayPal!!!!! I am very frustrated.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-20
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: WELLS FARGO & COMPANY (NJ)

This is actually a series of events. The first one 's resolution led to the second, which hasn't been resolved yet. On XX/XX/XXXX, a fraudulent charge of {$10.00} was placed on my credit card. I contacted Wells Fargo fraud department, they reverted the charge, and issued a new credit card to me. On XX/XX/XXXX, Wells Fargo started incorrectly reporting the old closed account as " charged off '' to XXXX and later XXXX. They reported that I owed Wells Fargo {$10.00} in overdue payments and the debt was written off, assigning me the responsibility and negatively impacting my credit score, while the whole time it was a fraudulent change I reported almost immediately. A representative told me that Wells Fargo tried to get the money from the merchant but failed, and so decided to put it back on my account. 

I contacted Wells Fargo, XXXX, as well as XXXX. In about a month 's time, the closed account was removed from my credit reports and my credit score was back to normal. I thought all is resolved, but this is only half the trouble. 

While the closed account was removed, my new account ( the one that was reissued after the fraud ) was also removed from my XXXX account. XXXX told me on XX/XX/XXXX that the " reporting member '' is not providing information for this account. I contacted Wells Fargo on XX/XX/XXXX but it has been unresponsive since.
Consumer complaint received 2023-02-11
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: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

My original mortgage with Wells Fargo Bank # XXXX was sold to a company called XXXX XXXX XXXX XXXX XXXX as of XXXX of XXXX. I had automatic payments set with Wells Fargo and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXX I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. 
I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXX 's where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said Wells Fargo just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.
Consumer complaint received 2022-12-21
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. (GA)

I have requested that the three major credit reporting agencies XXXX, XXXX and TransUnion verify all information and entries on credit report file that I have disputed in whole. These reporting agencies never conduct a proper investigation into disputes. Per the FCRA and citing from XXXX XXXX TransUnion, XXXX XXXX XXXX. XXXX ( XXXX. XXXX 1996 ) case law, it is their obligation to fully investigate all disputes in full. Failure to do so properly shall result in information deleted from credit file.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I was scammed out of XXXX dollars on XX/XX/year> and immediately called chime they told me since transactions are pending they could stop them but they didnt then said once theyve settled Id get my money back and didnt then was told to dispute it and writhing 24 hrs was denied my dispute so I called again to get the reason why and was given no information was sent a false email to provide my police report I made on XXXX I just want my money back that was stolen from me and for chime to do there job
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (CA)

I bought a XXXX audi XXXX from an audi dealership in XX/XX/XXXX. It was purchased with XXXX miles on it and by XXXX the car was taken to the dealership due to motor issues. Before I close the sale, I told the finance manager that I wanted the extended warranty, but come to find out he put warranty besides the certified preowned. Audi wanted to pay XXXX for a new motor and I explained to them that I just purchased a car and they should not be having motor issues at XXXX miles. They stated that I did not have certified preowned on the vehicle so therefore I was responsible for all charges. theyve had my car for a total of XXXX XXXX months and still no solution. Im still having to make payments on the vehicle, even though its not in my possession. They want me to get into another vehicle thats smaller than my current vehicle for {$200.00} more a month ( {$950.00} ). They sold me a lemon and are not working with me on a resolution
Consumer complaint received 2022-11-23
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... 
Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$530.00} ; XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX  XXXX .... 
Balance : {$3200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (FL)

This is a serious issue that I am having with your company. I called numerous times and sent in documents to dispute this fraudulent account but your company failed to process my demand to delete this account and cease & desist all activities with my information immediately. Your company and all three credit bureaus NEED to remove and delete all information that your company is reporting to my credit profile without my consent and written instruction to use my information. Your company has violated all my consumer rights that's listed under Exhibit A. I didn't sign any contract for your company to engage with me. Your company needs to remove and delete this immediately. I went over this account twice and I am 100 % sure that This account is not 100 % accurate or is it valid to report on my credit profiles.I have court documents that the JUDGE dismissed and your company is still neglecting to remove the account details from all three Credit Bureaus. This account is unverifiable, invalid and not mine. Please follow FDCPA rules and FCRA laws. Also I want you to know that your company failed to comply with FDCPA rules and FCRA rules. There's a {$1000.00} Dollars per violation and if this account is not removed in the next 3 to 5 Business days I will take legal actions to exercise my rights under 15 u.c.s. 1681i ( 5 ) ( i ) ( ii ), 15 u.s.c. 1692g Validation of debt and 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Remove and delete all information.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

LAW OFFICES MBA Balance {$1200.00} Open XXXX, XXXX. 
Balance updated XXXX XXXX, XXXX. ( XXXX ) LAW OFFICES MBAAccount info Account number Balance {$1200.00} XXXX Date opened XX/XX/XXXX ( XXXX XXXX ) XXXX account XXXX XXXX, XXXX. 

LAW OFFICES MBA Balance {$1200.00} Open XXXX XXXX Balance updated XXXX XXXX, XXXX. ( XXXX ) LAW OFFICES MBAXXXX Date opened {$2900.00} XX/XX/XXXX Account type Open account. 
Status updated XX/XX/XXXX ( XXXX XXXX ) LAW OFFICES MBA Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This collection appears to me with different dates, it shows me different balances and they do not tell me what the collection refers to. I have NO relationship or document with the company that is charging me. 

This collection appears to me with different dates, it shows me different balances and they do not tell me what the collection refers to. I have NO relationship or document with the company that is charging me. I called the LAW OFFICES MBA offices, and there is nothing regarding those collections. They did not give me exact information, I need help to eliminate that from my reports.
Consumer complaint received 2023-08-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires. Portfolio Recovery A Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-04-12
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. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (GA)

My complaint about Exeter is rooted in its unethical, unlawful and predatory practices. I secured my loan with Exeter in XXXX of 2022, and a warranty was added to my loan amount without my knowledge. This warranty should have been optional, and not a mandatory addition to my already high interest loan. Had I been informed about the warranty, I never would have purchased it as it was too expensive. After 6 months of paying on my car, I hadn't even touched the principal as the warranty was paid first. It is unethical to add a warranty without informing the consumer or giving them the choice to decline. This type of practice makes it that much harder to fulfill the loan terms, and 20 % + APR over 72 months for a used car is already problematic. Why add to that an expensive warranty without informing the consumer? It's taking advantage. The payments I made towards the warranty I wasn't informed of could have gone towards the actual principal amount of my loan, giving me at least the option to trade in or have some type of equity in the vehicle. This took my car loan from challenging to impossible to keep up with. Another practice I find unethical is the process for repossession. Exeter uses a company that repossessed my car from a grocery store parking lot as I screamed for them to stop and to please not take the car as I was without a working phone and holding my XXXX  child with no way to get home. On top of being unethical, this was a violation of my rights and consumer law with a breach of the peace repossession. This entire experience has been emotionally traumatizing and on top of the emotional toll, makes it nearly impossible to get another car.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Bank is : Capital One Fictitious Account XX/XX/XXXX I XXXX XXXX state that the Retail Installment Contract XXXX XXXXXXXX for the purchase of a XXXX XXXX XXXX XXXX ( the " Collateral '' ) VIN # XXXX that was entered into the Capital One Auto Finance on XX/XX/XXXX was not signed/endorsed by me nor was it done with my knowledge/consent. I further state that the signatures appearing on said Retail Installment Contract are forgeries and not made by me or authorized by me. I have not received any benefit or value a result of said Retail Installment Contract. I further testify, declare, and depose that a no time did I have possession of the Collateral listed and said Retail Installment Contract nor did Ii have knowledge of the said Collateral.

I will testify, declare, depose, or certify to the truth or any or all of the foregoing before any competent tribunal, office, or person in any legal proceeding, civil or criminal, which is now pending or which may hereafter be instituted in connection with he matter of the Affidavit. 
FURTHER, I UNDERSTAND THAT MAKING A FALSE SWORN STATEMENT IS SUBJECT TO FEDERAAL AND/OR IMPRISOMENT ACCORDING TO HE LAWS BY MY STATE.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I sent a 609 letter asking them to verify the debt with signature pages & they sent bill. That doesn't prove that it's my debit. This response is the first communication I received from them. I only found out about the account because it showed up on a XXXX credit report. 

Also, this company will remove the account after I dispute it & report it again the next day.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (LA)

I have not provided this company permission or a signed authorization form to do a hard credit pull on my report XXXX2017 or XXXX2017. I have reported this to Equifax, they did not investigate and told me to take it up with the fraud dept of the business, Well the business is a small company and there is 4 workers and a manager there, no internal fraud dept. when I called CFPB they told me that I needed to contact State Banking Auth of LA as I did. The person I spoke with stated that the DoddFrank Wall Street Reform and Consumer Protection Act has shifted some roles and responsibilities but she still was unsure why CFPB could not assit me being that this place is NOT a credit union/bank/payday lending company. But is labeled as a Consumer Finance & Loan Company.