davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX  XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I personally don't have knowledge of this debt from XXXX XXXX XXXXk or lvnv funding LLC. I did have id theft back in those before the new era of record keeping. I get letters from restaurant capital services. I've asked them to stop contacting me. I don't have knowledge of this. It was ID theft. They refuse. They claim it's from XXXX. I had no clue of this.
Consumer complaint received 2023-02-08
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

My name is XXXX XXXX. I have bank with, now Wells Fargo, initially with XXXX XXXX and then Wachovia in duration of over 24 years. I have never filed for a fraudulent claim till this past couple of weeks. I was robbed in XXXX XXXX, My phone and my cards got stolen. My cards, both credits and Debits cards, were used to make several unauthorized charges. There were unauthorized XXXX and wiring of money from my accounts. I filed a complaints with the bank to informed them of the theft, and the unauthorized use of funds from my account. My charges were separated into several claims, as each type of transaction is handled by different department. 
XXXX was wired from one of my accounts, total of XXXX XXXX from few different accounts, and XXXX from business account. These are all from Wells Fargo account. Claim numbers were given me... .after waiting for 10 days. I was denied the claim. I was told, that I made transactions myself or I authorized someone to use my accounts. These were completely untruthful. 
Another Banking company had same information as Wells Fargo. They concluded that Charges were in fact fraudulent. I feel I was not heard, brushed away, and my claims were not taken serious and rather denied. This is very unsettling.
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I asked for the breakdown of all the charges connected with my account which includes the interest, late charges, and principle amount. Also I rescinded the contract for breach due to non disclosure! Also I let them know they violated the Truth in Lending Act because no cash is supposed to change hands in a credit transaction! Plus the XXXX XXXX was violated to with that high interest rate!
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

Hello this is my second complaint against TSI. They are still reporting inaccurate and incomplete information on my credit report. This is an FCRA violation. I have also asked them to cease all communication with me and they still keep contacting me. I am well aware of the consumer laws and they are in violation. My attorney has advised me that I can sue them for {$1000.00} per violation. I'm sure they would hate to be sued for a higher amount than the alleged debt. I also spoke with the original creditor XXXXXX/XX/XXXX and they were not willing to accept payment from me, so why would I pay a 3rd party collector who I never signed a contract with? First off, the balance is incorrect and second, they will need to send it back to the original creditor so I can make some sort of agreement with them. I do not see the point of keeping this collection on file after I clearly stated to cease all communication with me.

As per the FDCPA 15 U.S. Code 1692g, I have the right to request a validation of this debt. I would like the following hard copies : 1. Agreement that authorizes TSI to collect on this alleged debt.

2. The correct amount of debt itemized and listed.

3. Contract with my signature.

4. Any payment history on this debt.

Thank you for your time
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

I opened a cc with XXXX XXXX store XXXX  months ago the bank is XXXX. I've made payments every month and more than the minimum payment. My XXXX plan was up in XXXX which I did not know and at this time my balance was {$1900.00}. Now they added Interest Charges of {$2200.00} making my total {$4000.00}. I called them today and told them I would pay the {$1900.00} off today and even a late fee but I think the {$2200.00} is very excessive and they will not even try and work with me.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MO)

I received a notice of change in terms and conditions dated XX/XX/year>, for changes that go into effect on XX/XX/year>. On and after XX/XX/year>, APR for purchases will be 34.49 %. It is notable that in addition to the APR for purchases, 34.49 % will also be the APR for cash advances. Conventionally, cash advances have always had a high, somewhat punitive rate but this is unprecedented. The body of the letter indicates a number to call with questions. I called and followed the prompts to reject the changes and close the account. My current APR is already ridiculously high at 31.99 %. I have no late payments and a credit score over XXXX with both XXXX and XXXX. This is absolute usary.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (FL)

I have phoned the credit card company on 4 separate occasions over the past 3 months. I was given a different phone number to call by their representative for opting out which closes my account. I tried several timesyesterday being the most recent. It is fully automated. After putting in all information asked, it says there was an error try later and disconnects. Yesterday I tried 3 times to no avail. As they do this, they keep adding fees to my account and report me to the credit agencies.
Consumer complaint received 2023-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

I was contacted via email by TSI stating they were working on behalf of XXXX XXXX XXXX. I responded to the email disputing the debt in its entirety and requested documentation. After disputing the debt TSI provided no documentation but began to call me on multiple occasions requesting personal information. Including Social Security Number previous and current addresses. This is a fraudulent debt XXXX was paid in full when I canceled my services. If you research this company there are hundreds of complaints addressing the same thing. No matter how much money you pax XXXX upon canceling there services they always bill you more. When you refuse to pay the indulge in extortion by referring the account to multiple collection agencies who without proof report as derogatory credit in order to collect money consumers do not owe. This is the 7th Collection company XXXX has sent this debt to. I have successfully fought all 7. But they continue the harassment.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I disputed a late payment with XXXX XXXX XXXX for the month of XX/XX/XXXX and it was updated incorrectly. 
All payments since XX/XX/XXXX have been made on time in the amount of {$700.00}. Payments were processed in time yet account showing delinquent for 1 month which is impacting my credit
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I XXXX XXXX do not owe credence resource management any money. Im asking them to ceast and defrain. All communication should be done by postal service. Stop calling my cell. If u continue to call Ill sue u under fcra law. I request also not to put this account on my credit report as I do not owe this company any money. I understand this company is a debt buyer and I do not have a contract with this company. Ceast now
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

This is my first time filing a complaint for both collection accounts on my reports with Harvest Associates with account numbers XXXX and XXXX. Harvest Associates is continuing to report an account that they have failed to provide validation for. On XX/XX/2022, I sent a request for validation including a full account ledger, proof that they own the debt and everything in their possession pertaining to the account. They never responded and it has been well over 30 days. I am demanding this account be deleted from my credit reports immediately.
Consumer complaint received 2023-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (GA)

WAS NOT TAKEN OUT BY ME HAVE STRESSED AND RELAYED THAT TO NECESSARY PARTY BUT THEY ARE REFUSING TO NOT HOLD ME LIABLE OR HOLDING THEMSELVES LIABLE FOR THE MISTAKE HAVE TRIED TI DISPUTE AND ALONG WITH TRYING TO REACH THEM AND HAVE NOT RECEIVED REPONSE ( this is all within 2 1/2 year back and forth
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I bank with chime and sometime on XXXX  XX/XX/2023 someone got a hold of my account and used the pay anyone and sent money to a XXXX XXXX is all I seen in my transactions. I filed a dispute and it was denied. So I feel like chime is letting people scam me and not give my money back. I have never used pay anyone the whole time I have had the account. I dont even know who took the money or who it was sent to.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

I am a   XXXX   XXXX  . On    XXXX   XXXX  , 2017 we  ordered a payoff statement from Fay Servicing , LLC of  XXXX , IL. We received the payoff statement and o n  XX/XX/XXXX   paid the loan in full. On   XX/XX/XXXX  I re ceived notification from the new owner of the property that the mortgage holder was attempting to " winterize '' the house and change the locks. I contacted Fay Servicing , LLC to find out why they loan had not been cancelled and was told that they payoff they received was short by nearly {$600.00}, eventhough they were sent funds in excess of the written payoff demand. We were never notified of an issue with the payoff  and Fay Services refuse s to take responsibility for the mistake. I have yet to receive a revised payoff statement showing the balance.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (FL)

On my CRA, XXXX XXXX  / NetCredit reflects a hard inquiry on XX/XX/year>. 

I did not authorize anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Consumer complaint received 2024-07-04
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: Block, Inc. (OR)

Found there was unauthorized purchases made to some invidual named XXXX XXXX from my cash app account totaling XXXX XXXX XXXX to witch I didnt make authorization towards
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

LVNV Funding keeps reporting higher balances for a collection account that's NOT VALID. This account shouldn't be reporting. Per 15 USC Laws this contributes to unfair practices and increasing amounts thats not existent which further intentionally to decrease my credit score.

Please review laws 15 USC 1681 ( a ) ( 2 ) ( B ), 1681 ( e ), 1692 ( e ) ( f ) ( g ) - please know we're seeking lawyer regarding LVNV Funding illegal behavior, as they violate each of these laws.
Consumer complaint received 2023-08-19
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (PA)

In XXXX of XXXX, I decided to buy out my car lease. Chase was the bank the lease was through, and ALSO the bank taking over the purchase loan. I had called in repeatedly to get the paperwork so I could file the title/lien with XXXX. Each time, I was told that they were backed up and to expect it in 30 days, I'd give them an extra two weeks and call back for a status update until I eventually gave up. I decided, " well if I want to end up trading the car in, maybe a dealer will have better luck with Chase ''. It is now XX/XX/XXXX and I received a call from Chase asking me to take my paperwork to the DMV to get things filed. They sent me the paperwork in XXXX of XXXX ( several weeks ago )!!! Nearly two YEARS after I bought out the vehicle and have been making monthly, on-time payments that are MORE than what my lease payment was. Not only that, but it was in a standard XXXX  envelope that I didn't have to sign for, and I wasn't even staying at my home because I just had XXXX and was staying with family. This is so unprofessional, and if I am penalized by the state for untimely filing, I am going to lose my mind! In addition, it only contained the title and NOT the check that's needed for the sales tax! I called yesterday from a Chase branch in hopes that someone at the branch could just issue the check to XXXX, but no luck. I was connected to someone I could hardly understand and was told that she entered a ticket to have a check sent to me, but it will take some time... ARE YOU KIDDING?! It's been nearly TWO YEARS and I still have to wait?! This is completely mind-boggling. Chase 's website says it should take roughly 10 business days. This is laughable. I will NEVER work with Chase again. 

I've attached images of all of the paperwork showing dates from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX.
Consumer complaint received 2023-04-14
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. (LA)

I, XXXX XXXX XXXX, never gave Transunion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.
Consumer complaint received 2023-03-23
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance {$5300.00}.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (PA)

on XX/XX/year> I purchased the television from XXXX XXXX with my PayPal debit card ending in XXXX # : XXXXXXXX XXXX was received missing many pieces nonfunctional paypal case # XXXX I reported to PayPal and disgusted with XXXX XXXX on XX/XX/XXXX the case was opened on PayPal the item was returned on XX/XX/XXXX XXXX XXXX XXXX PayPal repeated over XXXX weeks straight harassing me continuouslyasking repeatedly for information without it asking any specific information I received XXXX messages send us the information we need without any description I uploaded the tracking information XXXX times XXXX this is the tracking information So as I said this one on for months PayPal holding money making interests earnings continuously and I have not received my refund I contacted XXXX XXXX repeatedly I was told you and you open the case with PayPal you solve I spoke to PayPal XXXX different times it's a merry-go-round XXXX Information delays and tormenting
Consumer complaint received 2023-03-01
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}.