davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX  # XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the  account number as XXXX
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc. (TX)

I've been receiving harassing calls every day for weeks from Vital Recovery Services , LLC, despite blocking the number. They claim to be collecting a debt from XXXX XXXX, though I've never had an account or any financial dealings with XXXX XXXX. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the XXXX XXXX had a data breach in XXXX.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (NH)

I paid my property taxes in full but was informed that my mortgage company ( HarborOne ) had escrow and were supposed to deal with it. I've requested several times for someone to figure this situation out as I believe I may be owed money. I have been placed on hold for an extensive time, I've been told to go to someone in the mortgage department, which I did. then i was told by that person to go to the mortgage service center ( the same place I've been put on hold ). People are kicking this issue around and I'm not happy.
Consumer complaint received 2023-01-05
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. (CO)

A company XXXX XXXX has reopened a collection account from XXXX that has been paid over a year ago and cleared from my account with a different debt collection company. Now it has shown up again on 2 of my credit reports. I have sent a dispute and received a response and comment on my credit report " Consumer Disputes this information ''.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (DC)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Truist regarding the sudden locking of my account and the subsequent lack of transparency and accessibility in resolving this issue. 

I initially opened my account with Truist without any complications. Subsequently, I added XXXX external accounts for micro deposits, following the standard procedures. However, without any prior warning or explanation, my account was inexplicably locked. Despite numerous attempts to seek clarification and resolution from Truist, they have provided no information regarding the cause of the lock or the steps required to rectify the situation. 

Compounding the issue is Truist 's insistence on resolving the matter solely through in-person visits to a physical branch, requiring me to present XXXX forms of identification. Unfortunately, there is no Truist branch in close proximity to my location, making it extremely inconvenient and impractical for me to comply with their demands. As a full-time worker, taking time off from my job to visit a distant branch is simply not feasible. 

Furthermore, the timing of this lock is particularly distressing, as it has occurred right before my paycheck was deposited into my account. As a result, I have been left without access to my funds, jeopardizing my ability to meet essential financial obligations such as paying bills. Additionally, during this period of account lock, I am also being deprived of any interest earnings on my deposited funds. 

It is unacceptable that in this day and age, a bank like Truist would resort to such archaic and inconvenient methods for resolving account issues. The insistence on in-person visits disregards the realities of modern life and demonstrates a lack of consideration for their customers ' time and convenience. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Truist to adopt more customer-friendly and efficient protocols for resolving account issues. Customers should not be subjected to unnecessary hurdles and inconveniences when seeking resolution to legitimate concerns regarding their financial accounts. 

Thank you for your attention to this matter.
Consumer complaint received 2022-03-25
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: Bridgecrest Acceptance Corporation (FL)

On XXXX XX/XX/2022 I sent the pay off final payment of {$2500.00} from my XXXX  XXXX XXXX checking Account to Bridgecrest Credit after almost 6 years of excellent record of monthly payments. I forgot to cancel my automatic payments to Bridgecrest so an extra payment of {$430.00} was sent from my account to Bridgecrest on XXXX XX/XX/2022. 
Since them i have called Bridgecrest several times ( More than 6 times ), XXXX, XXXX are some of the names they gave me as representatives. I have sent several emails to two different departments regarding this matter and asking Bridgecrest to refund my money back, because that money was sent by mistake and do not belong to them There is no answer from Bridgecrest, they still holding my money and i dont see any intention of good will from their side to return the money, i feel robbed
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the FCRA you have 4 days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

Enhanced Recovery Company LLC d/b/a ERC is trying to collect on a debt that was fully paid on XX/XX/XXXX. 

In XXXX I had an account wth XXXX XXXX  ; The account was closed and paid in full on XX/XX/XXXX. I returned the modem and cables to the XXXX store located on XXXX XXXX XXXX XXXX, FL. the account rep accepted the equipment and said everything was closed and paid in full. 

On XX/XX/XXXX I learned that Enhanced Recovery Company LLC d/b/a ERC placed a collection for {$100.00} in my credit report. In the credit report states the original creditor is charter communications. When I called charter customer service they said XXXX was sold to charter communications and that some of the data transfers from old clients may not have transfered correctly and she said the office on on XXXX XXXX XXXX XXXX, fl had closed down and she she could not help me. 

After attempting to get this corrected with ERC and XXXX XXXX, they are not responding so I am filing this complaint to demand that all collection activities stop immediately and all collection accounts removed from my credit report since the account was paid in full in XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX - there where Charges to my Checking account/Debit Card over 37 transactions- reported immediately to Wells Fargo Bank XXXX Claim was opened. I was told to wait to see if any transactions settled 11 Transactions settled total {$3200.00}. 
all other transactions where not settled and removed from Pending Status. We also went to a Branch office to close all our accounts & opened New ones since account was compromised on the same day XX/XX/XXXX. that same day XX/XX/XXXX our mailing address was changed not our address XXXX in XXXX XXXX we did not request. and made it clear our account was compromised this is another reason why all our accounts were closed. as of today XX/XX/XXXX I still don't have my XXXX  back. on XX/XX/XXXX Claim was closed with no explanation I just noticed online status said CLOSED. Claim was resubmitted again on XX/XX/XXXX. I have called almost everyday trying to get a Status of my Claim. I was told today XX/XX/XXXX Claim was Closed again and my claim has been submitted for reconsideration. 
Wells Fargo has not given me any details on why they can't see that this is Fraud. 
I filed a Police Report this morning - also because we where advise by united states postal service that there was theft in Mail Mailman was robbed and We believe thats where Debit Card was stolen. I have submitted and given all this information to Wells Fargo Bank and still nothing.
Consumer complaint received 2020-08-10
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. (TX)

I have sent multiple certified letters to the bureaus in regards to a charge off account that is showing on my credit report by the name of XXXX XXXX. According to the Fair Credit Reporting Act as a consumer I am able to request proper validation that proves that this account belongs to me. The bureau has failed to provide me with any physical evidence that shows that the charge off belongs to me, yet the account is still causing harm to my report. The only " proof '' I receive is what I can already see on my credit report which is the charge off amount. No signatures, the original amount, etc. I keep getting a response stating the charge off is valid, with no proof. I have demanded deletion of the account.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Credimatico LLC (MO)

I received a pay day loan. I had issues making the payments and asked them to stop for a while. They told me I had to send a letter to stop the payments. I added a stop payment with my bank, sent the letter. They still keep with drawing from my checking account now with my debit card. I called again, someone advised they the letter wasn't received and that I need to resend the letter. I asked to speak to a XXXX and was told a XXXX will me back. They then again withdrew funds from debit card again, causing me fees. 
I tried sending the letter again with priority mail and letter was returned undeliverable. The address given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have called this company many times to try to resole this matter.
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, I made a {$6000.00} payment to the wrong person on Paypal who had the same name as the person that I was trying to pay. Although she was a friend, I didn't think that anyone would have the same name as her because her last name is uncommon. So I sent the money to a different person by accident. Her name was XXXX XXXX. I sent the money to that person. The person I sent it to has the same exact name. However when I spoke to my friend, she told me that she uses XXXX XXXX . So, same name, but with XXXX added. Paypal refuses to intentionally not help me to get the payment back. Just because I authorized the payment doesn't meant that it went to the right person. It wasn't the right person and mistakes do happen. If Paypal chooses to do business this way when an honest mistake is made, and they don't wan na help, then they shouldn't be in business then. Paypal made the decision that since I authorized the payment that there was nothing they could do. In the past, when you could prove that you made a mistake, they would investigate and reverse the situation for a refund and make sure that it got to the right person. But ever since Paypal was bought out from under XXXX XXXX, Paypal has been a pain to deal with. Not only is Paypal unfair, they have been extremely unethical to deal with. I'm truly disappointed that they are refusing to reverse this and help the {$6000.00} to get to the right person when I had no intention of sending a payment like that to the wrong person. So now I am out of {$12000.00} at the moment because I still had to pay the right XXXX XXXX ( with XXXX ) the money still. I don't have that type of money to give away to anyone. I'm contacting my credit union today. This is ridiculous!
Consumer complaint received 2022-11-07
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not delete the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}