davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Donut, Inc. (LA)

Donut is an application that offered a 5 % return on savings accounts through what they called decentralized and collateralized lending. They materially misrepresented themselves as diversified and safe when in actuality, 95 % of their assets were loaned through XXXX, which just declared bankruptcy. As a result, do not users have been locked out of their funds since XXXX And are being told that it will probably XXXX more months before they have access again. Their XXXX and websites still advertise them as providing a great return, and having easy access to your money, yet theyre holding everyones deposits hostage.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo, showed that I had a dollar amount in my account. Then after withdrawing from my account they took away a check that had funded the majority of the account. The check that funded the account shouldve never have shown up in the account.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (AZ)

On XX/XX/2021 and XX/XX/2021 I was notified by XXXX  that the debtor Penn credit reported a debt of {$1000.00}. I contacted Penn credit on XX/XX/2021 to dispute the debt and explained that the debt was not valid as I never lived at the address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Penn credit stated the debt was created XX/XX/2021 for the original creditor ( XXXX XXXX XXXX ) I and was sent to them on XX/XX/2021 I explained that I never lived at this address and was asked to provide documentation. On XX/XX/2021 I emailed Penn credits compliance department with my lease showing where I resided at as of XX/XX/2021 and also let them know I just recently moved into a new residence ( XXXX XXXX XXXX XXXX XXXX XXXX az XXXX ) as of XX/XX/2021 and if needed I could provide that lease as well. I never heard back from Penn credit but was again contacted by XXXX  to let me no my dispute was closed and was found to be valid. I have never resided at this address nor did I create a bill using utilities for this address or give anyone permission to use my information in attempt to obtain Or turn utilities on in my name
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (DE)

I have contacted Complete Credit Solutions Inc several times requesting validation of the debt that they claim I owe. They have responded multiple times by stating that they are not a debt collector but simply someone who purchased " my debt '' from " the original creditor '' which is in violation of 15 USC 1692e ( 12 ) - The false representation or implication that accounts have been turned over to innocent purchasers for value. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. This company isn't even licensed in my state to collect anything at all! 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants COMPLETE CREDIT SOLUTIONS INC. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for COMPLETE CREDIT SOLUTIONS INC., in case legal action becomes necessary. 

I have only received The name and address of the alleged original debt collector, account number and alleged balance. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with Complete Credit Solutions Inc that says I have agreed to pay them anything.
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-07-08
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.
Consumer complaint received 2021-07-08
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: Convergent Resources, Inc. (TX)

On XX/XX/XXXX I received a notification from my credit monitoring service that Convergent Outsourcing flagged my file as collections. I never received anything in the mail from the company. I didnt receive any notification from this company. I only was notified of this debt because of my credit monitoring service. On XX/XX/XXXX I mailed a dispute/validation request to this company via certified mail with a return receipt ( certified mail # XXXX XXXX. On XX/XX/XXXX the company once again flagged my credit file as collections. On XX/XX/XXXX, the company received my validation/dispute request ( proved by my certified mail receipt, and a XXXX XXXX signed the return receipt ). It is now XX/XX/XXXX, and the company has once again flagged my credit file as collections. I have not received anything per my validation/dispute request. This company is reporting an erroneous debt on my credit file and should be investigated. I have no relationship with them or their client, if any.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are different dates for the date the alleged account was opened ( XXXX XXXX XXXX XXXX XXXX XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XXXX XXXX XXXX XXXX XXXX XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Consumer complaint received 2021-07-08
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. (TX)

I lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Transunion will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter.
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

I received correspondence from XXXX of Ally Executive Customer Relations via the Consumer Financial Protection Bureau ( CFPB ) website dated XX/XX/2021. 

However, I did not fill out a credit application with XXXX XXXX XXXX, nor did I give them permission to submit a credit application on my behalf to Ally. 

Please provide proof of my signed and dated credit application to reflect the date my credit was pulled by Ally. Failure to do so means that your agency is in violation of 15 U.S. Code1681n ( a ) and ( b ) I also noticed on your rejection letter dated XX/XX/2021 ; you do not have my complete address listed. I would never fill out a credit application without my complete address.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (OK)

I have never heard of this company today. First National Collections Bureau , Inc texted me today for the first time. I have never received a validation of debt from them. I have no idea who they are or what debt they think I owe and from whom. This is a complete violation of the FDCPA. This is not a legal form of communication. I have attached a screen shot of the text message.
Consumer complaint received 2021-07-08
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX XXXX : Request for Investigation/Removal of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 

I contacted each company who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I also contacted all three major credit bureaus. 

I request that you initiate an investigation into the following inquires on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All above inquires have been without my knowledge. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

As Previously stated, I and my family are the victims of ID Theft, account take over, gift card fraud and payment ( ACH ) fraud that caused bounced payments to my XXXX  and XXXX XXXX XXXX  accounts. Citibank has now closed all of my accounts, where I have been a customer since XXXX ( Home Depot ). This was all made aware to Citi when I returned home from a business trip to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX where I also provided my itineraries. 

Today, I received a call from a strange phone number XXXX presumed fraudster XXXX # XXXX. The person identified himself as XXXX XXXX and stated he was working to # XXXX fix all of my Citibank accounts and that he noticed that the XXXX  XXXX had {$9000.00} applied to it that was not mine ( Gift card Fraud that I have reported several times ), Citi took them all off from both account, added them back on, removed all again, and then added back on again. Citi has done nothing but be abrasive and abusive, save three manager ( one from Fraud and two from XXXX XXXX XXXX who had already cleared things up. Yet XXXX XXXX didn't have the documentation and though all had been approved by Sr. Management to be removed again, the Credit Management team and XXXX added them back though I am an obvious victim of all the above as stated. This is disgusting since I am not responsible for any of these charges. 

What I showed above ( phone number and name ) of a person that has my personal information that allowed them to access my accounts cause fraud, cause account take overs, cause Identity theft and then therefore caused Citi to add back these charges that did not come from me and are FRUD!!!!! The above phone number and name is another yet another piece of proof that I am a victim of ID Theft, Account Take over, Payment Fraud with ACH bounces and finally account closure because I am being screwed by a fraudster and Citi is allowing to ruin my credit! These actions by Citi are wrong all the way around and I demand this be handled or the next note will be from my attorney with a summons to appear in court!
Consumer complaint received 2021-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Origionl debt was with XXXX XXXX XXXX XXXX who wrote off the debt, the amount was charged to me as income and I paid state and federal taxes on that amount. Four years later XXXX XXXX XXXX  sent me a collection notice. I mailed their lawyer a copy of the debt right off. They still persisted. On XX/XX/2018 I sent Portfolio Recovery a check for {$2700.00}. On XX/XX/XXXX, Portfolio Recovery deposited the check. On XX/XX/2018 the check cleared the bank. Portfolio Recovery refuses to acknowledge payment. Disputes filed with XXXX XXXX, XXXX, and XXXX have failed. Copies of closed check sent to all.
Consumer complaint received 2023-03-31
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. (VA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX  Account Number : XXXX 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.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (DE)

My wife and father received calls From Direct Recovery Services regarding a supposed debt owed for XXXX XXXX and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

This is the second time I've had to file a complaint regarding my experience with Virginia Housing during a forbearance plan. 
Background : I was laid off from my full-time job in XX/XX/2020. The layoff was prior to the COVID-19 pandemic, however, my ability to find a new job was impacted by the COVID-19 pandemic and a job I was offered was then delayed due to the COVID-19 pandemic. All of this was communicated to Virginia Housing. However, in violation of the CARES Act, my missed payments were reported to credit bureaus and my credit score subsequently plunged. I tried several times to resolve the issue with Virginia Housing before filing a complaint through CFPB. Only then was the issue resolved. Calls and emails went unreturned several times during the forbearance process. 
Current issue : I informed Virginia Housing that I am employed as of XX/XX/XXXX and would be able to resume mortgage payments by XX/XX/XXXX. I was directed to submit an attestation form, which I did. I then received a call indicating that the end of my forbearance was approved and the amount owed would be added to my existing loan. I was told I would received a letter via email by XX/XX/XXXX and later via regular mail verifying as much. When I did not receive the promised XX/XX/XXXX email, I followed up. I was then told that there were " concerns '' with my file and that my forbearance appeared to be not due to the COVID-19 pandemic and therefore the loan would need to be modified and more time was needed for that process. I once again, as I had before, explained that my forbearance was indeed due to the COVID-19 pandemic. However, Virginia Housing is still refusing to make good on the original approval and send the documentation effectively ending my forbearance. Instead, they are asking for my " patience. '' I am still behind on other financial obligations and desperately need resolution so that I can refinance my loan and consolidate the debt accrued to support my daughter and myself for the past 18 months. Please help. Thank you.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to dispute the following information that appears on my XXXX, TransUnion, and XXXX consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report and marked the items. 

Items : XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX