davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (TX)

My credit report contains a significant number of unauthorized requests, as well as some reporting of fraudulent accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following accounts and inroamtion that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605, and have the fraudulent accounts and inforamtion removed completely from my Credit File as soon as possible.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Received a letter in the mail dated XX/XX/2017 saying a deposit account was opened at Wells Fargo, where I already have a checking account. The address marked on the envelope was also altered from the address that I registered on the account to a non existent address. When I went to acquire about the account I noticed my social security number was changed, for the second time since opening the account a couple months prior. So I changed the social security number back to what it was when I opened the account. The bank said they couldnt find the account that the letter was about, later I found a chase private client card with the exact same 16 digit card number as my Wells Fargo card for my account after the account was closed. ;
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Client Services, Inc. (CO)

A collector at Client Services lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called Client Services in XX/XX/2023 to begin a payment plan that month. But I called them again prior to the XX/XX/2023 due date as I needed the plan to begin on XX/XX/2023 instead. The same collector said I was not allowed to do that and that I was required to begin paying in XXXX. I was intimidated into complying to his demand and was told to make a payment by the end of XXXX at the latest ( and continue to pay each month thereafter ), regardless of the fact that Client Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for collectors to intimidate and/or lie to consumers. I was told that was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them ( for an account they do not even own ) as soon as they said I must. Client Services used intimidation and deception so that I would believe I had no right to decline their terms.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (IA)

on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following. 
an original contract with a wet signature from the original creditor with wet signature. 
the name address and and phone number of the original creditor. 

an itemized payment history associated with the account as to determine what is owed and/or that may be contested.

proof of ownership of this debt and or whether they are even allowed to collect on this debt per law. 
I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas i am more than sure that the company has claimed numerous payments. 

I mailed this letter on XX/XX/2023 it has been about 50 days and I have yet to hear back from the company and those items are still on all three consumer reports.
Consumer complaint received 2023-03-08
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. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter ( failing to put the proper address on it ) claiming I requested a security freeze on my consumer file.

How can I request anything for a company that I never heard of before today? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months.

They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (VA)

This was fraudulent. I was left an automated voicemail saying they were trying to resolve a civil dispute. I called the number. A woman asked me to verify my identity and I refused because I suspected it was a scam. She transferred me to a " XXXX XXXX, '' who informed me he worked for " XXXX XXXX '' and was attempting to collect a debt. He said it was on a Wells Fargo account that was closed out in XXXX. I told him I hadn't banked with Wells Fargo in seventeen years or so ( I realize now it's more like 14 years ). He said I owed over XXXX XXXX dollars and if I didn't pay I would be flagged and I wouldn't be able to use a debit card for five years. He tried to confirm my address. He read me two addresses, one from XXXX and one from XXXX. He also read me all nine digits of my social security number. He also said the last four digits of an account number ; i think it was the correct digits to my old XXXX Wells Fargo checking account but I can't be sure. I repeatedly asked him for a phone number to any government agency that could verify this was a legitimate debt collection. He wouldn't give me one, but said he'd send relevant info to my email if I gave him my email. I refused to give him any more information because it seemed like he was a fraudster. I continued to ask for the number of a government representative who could verify the legitimacy of the collection attempt. He refused to provide me this. 

I think a fraudulent criminal organization has my social security information as well as other personal details. I'm very concerned. Please help me. I looked online and found multiple people had the same experience ( company named XXXX XXXX attempting to collect on long closed bank accounts ( usually Wells Fargo ), sometimes via a representative named XXXX XXXX ). 

I froze my XXXX and XXXX credit ; I'm going to freeze XXXX next, but there's a holdup. I'm trying to get it done this afternoon.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NY)

I have contacted credit karma several times regarding the issue with the savings account. 
I have seemed assistant to transfer my savings money to the credit karma spending account in order to access my money. 
I have followed the instructions several times but the website does not have the information on the site that the company continues to direct me to do. It states I have to request an internal transfer by using quick options on the phone screen for money however there is no such options that display in their web site. 
I tried on my phone app as well as I tried on several PC s too but it does not provide such options. I have been trying to resolve with the company since XX/XX/XXXX. I was hung up on by the customer service rep when I asked for assistance.
Consumer complaint received 2021-01-12
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)

I am showing multiple inaccurate information on my credit report. I contacted the creditor and they gave me information about the open account. I have no knowledge of the account. I did not authorize to open this account.
Consumer complaint received 2023-03-08
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. (CA)

This is my follow-up complaint to tell you to verify the misleading report of this account : XXXX  XXXX XXXX .... Balance : {$56.00} The account should be verified since I sent a complaint last XXXX XXXX, This time verify the aforementioned account for its errors in reporting.
Consumer complaint received 2023-03-09
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)

Experian inquiry Removal XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Covid 19 Relief Program which prevented late payments to be reported. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Never Late inaccurate reporting which is against consumer law.
Consumer complaint received 2017-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (VA)

Well, this all started back in XXXX when i paid my XXXX XXXX XXXX off. I called National Auto Finance Company to send me my title and XXXX XXXX of National Auto Finance said he would be mailing it out. I never received my title. I called back numerous times in XXXX, XXXX and they told me they would get a duplicate title and resend it. I never received anything from them. My car sat in a garage as i did not know what to do as i had no title for the car and my car i could n't get registered after i moved. I went to the DMV in XXXX and they told me I had a lien on the car from a tax debt from XXXX. I called the State of Indiana and satisfied the over {$300.00} tax lien. I have submitted the paperwork to get my title through the BMV of Indiana and now they tell me that National Auto Finance has a lien on the car. I have been calling National Auto Finance back all week and they said there is no lien on the car, but they have to verify that the State of Indiana tax lien has been paid. I have been calling them and all i get is " We will call you back. '' THEY NEVER CALL ME BACK. I want my title to my car as it 's been two years that I have been dealing with this. This is riduculous! Can someone please help me?? I do n't know what to do.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against [ LVNV Funding LLC ] Account Number : [ XXXX ] Date of Collection : [ XX/XX/XXXX ] Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ Collection Agency Name ] for their violations of consumer protection laws. The purpose of this letter is to bring to your attention the multiple infractions committed by [ Collection Agency Name ] that are in direct violation of the Consumer Financial Protection Bureau ( CFPB ) guidelines. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ Collection Agency Name ] has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, negatively affecting my credit.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair chance to dispute the account, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means : [ LVNV Funding LLC ] has engaged in false, misleading, and deceptive practices in their attempts to collect the debt. These tactics are in direct violation of consumer rights and go against the principles outlined by the CFPB.

Violation of Disclosure Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : [ LVNV Funding LLC ] has furnished the account to consumer reporting agencies without providing the necessary disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau thoroughly investigates the actions of [ Collection Agency Name ] and takes appropriate measures to rectify the violations committed. Additionally, I request that the inaccurate collection entry be removed from my consumer report as it is the result of [ LVNV Funding LLC ] 's failure to comply with federal regulations.

Enclosed with this letter, please find copies of relevant documents, including correspondence with [ Collection Agency Name ] and any other evidence supporting my claims.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that [ LVNV Funding LLC ] is held accountable for their actions and that consumer rights are protected. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX my PayPal account was permanently limited for reasons Im unaware of, and with that {$3000.00} of my hard earned money was placed on a 180 day hold. When trying to figure out what I did wrong, and what I could do to access my funds they give me the runaround and havent given clear explanation on what happened, they also refuse to allow me to withdraw my funds. I have lost my home and car due to these being the last of my funds, which I have expressed to them in the prior months of me trying to get the situation figured out. I want my funds released as now Im homeless and have done no wrong and been a loyal PayPal customer for years. I will go the legal route if my funds are not released swiftly, as PayPal has a history of doing this to thousands of customers every single day.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo submitted inaccurate information to the credit agencies. The supposed credit balance they submitted is {$1700.00} with {$1700.00} credit limit. They sent me documents to prove this what I would them. The documents Wells Fargo sent me are inconsistent with what's on the credit reporting bureaus. 
No signed credit card agreement. 
Wells Fargo is attempting to justify fake credit card account by showing me overdraft statements from the checking account I had with them. I do not know how that justifies a credit card agreement. 
The so-called credit card statements show a credit limit of {$700.00}. Nowhere does it show a credit increase.
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2023-05-19
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: Mercedes Benz Financial Services (NV)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX  XXXX Balance : {$42000.00}
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (OH)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXX XXXX Balance Owed : {$340.00} ; DPT ED/XXXX XXXX Balance Owed : {$3900.00} ; DPT EDXXXX XXXX Balance Owed : {$5500.00} ; DPT ED/XXXX XXXX Balance Owed : {$6500.00} ; DEPT OF ED/XXXX XXXX Balance Owed : {$5300.00}.
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (AR)

I, XXXX XXXX, am filing this complaint because there is a debt collection company by the name of CREDIT MANAGEMENT LP who placed an alleged debt on my consumer reports without notifying me. I have not received any disclosures, communication, or information regarding this debt. The alleged debt has been parked on my consumer reports and is now damaging my reputation per 15 USC 1692d ( 1 ). This company violated my Privacy rights per 5 USC 552a. I have no documentation from this company proving that the alleged debt belongs to me. Placing debt on someone's consumer report without notifying them or validating the debt is a violation of 15 USC 1681B and 18 USC 1001 which is potentially fraud. I, XXXX XXXX, am aware that this company has had multiple lawsuits of unfair practices violating the FDCPA in the past ( XXXX XXXX CREDIT MANAGEMENT LP ). This is an untrustworthy company. This debt collection company also has been furnishing multiple collection notations " C '' every single month since this alleged account was place on my consumer reports. This is misleading, deceptive, and abusive behavior. This is another violation per 15 USC 1681s-2 ( a ). The FDCPA states that debt collectors are liable per 15 USC 1692K whenever the violate consumer 's federally protected rights leaving them vulnerable to legal action being taken against them.
Consumer complaint received 2023-02-19
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: Consumer Adjustment Company Incorporated (MI)

On XX/XX/2022 I reached out to Consumer Adjustment about a debt that they claim that I owe which doesn't belong to me. I do not have a contract with this company and I reached out to them for evidence for a contract that I supposedly have with them in which they have not reached back out to me.
Consumer complaint received 2023-03-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX  ( Original Creditor : T XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XX/XX/2022 2022