davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (PA)

I sent a method of verification letter to Experian on XX/XX/22 for a collection account that has been on my credit report and is inaccurate. I requested they verify how this collection is mine. The collection is showing under a company called : XXXX XXXX XXXX XXXXXXXX The claim they were able to verify this account as accurate, but that is false. I also sent Experian a dispute letter on XX/XX/22 for the same company that is showing on my credit report. I have included those letters with my complaint. 

In addition, I am including a copy of my most recent XXXX report that is dated XX/XX/22. You will see no collection is reported, and no collection account has ever been reported.
Consumer complaint received 2022-06-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capital one auto is currently reporting a deficiency balance of {$8500.00} on my credit report as a result of a repossession on XX/XX/XXXX. i never received a letter in the mail regarding where the car would be auctioned, which is a violation of F.S 537.012. per florida statue 537.012 ( 3 ) Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. i never received this notice. i have been disputing this account for a couple of years now. i recently contacted capital one auto XX/XX/XXXX @ XXXX am and i spoke with a representative by the name of XXXX XXXX ; she reassured me that capital one had sent several notices out and that she'd be mailing them out to me via usps. today is XX/XX/XXXX and i have yet to receive any proof from capital one that the proper notices were sent to me in a timely fashion permitted by florida law where the car was repossessed. in addition there is also a discrepancy with the actual accounting for the remaining balance ; i asked ms. XXXX who the gap insurance provider was and upon looking in the system she wasn't able to give me a straight forward answer. if you can not verify who the gap insurance was provided by how can you calculate a final refund into the final accounting?
Consumer complaint received 2022-06-15
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. (TX)

Pursuant to the FCRA, the following accounts listed below are in violation of my rights. 

XXXXXXXX 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  15 U.S.C 1681 section 602 A states I have the right to privacy and I'm invoking that right. 15 U.S.C 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Since I know instructions were not given then this is now considered fraud. I am requesting the deletion of all accounts listed above.
Consumer complaint received 2023-04-10
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. (SC)

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. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX  : # XXXX U S DEPT OF ED/XXXX  : # 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 2022-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I am reporting a violation of FDCPA by debt collectors- Pressler, Felt & Warshaw LLP who have filed a complaint against me in the XXXX XXXX XXXX NJ. I received a summons from XXXX XXXX - XXXX XXXX XXXX dated XX/XX/2022. The document stated that I was being sued for more than {$15000.00}. I had never been contacted by a debt collector regarding this alleged debt as is required in the Fair Debt Collection Practices Act ( FDCPA ). I was unable to have the debt validated by this firm. I do not believe that I owe any debt to this debt collector. I received a summons from the court as the initial notification of a debt of which I was unaware. Pressler , Felt & Warshaw , LLP were previously known as Pressler & Pressler have violated the Fair Debt Collection Practices Act in the past and have been fined {$1.00} million in civil penalty by the Consumer Financial Protection Bureau for their repeated ongoing deceptive and abusive practices in violation of the FDCPA. These debt collectors- Pressler, Felt and Warshaw, LLC never contacted me to notify me of the debt they are alleging I owe them. They never validated or verified the debt and instead filed a complaint summons in XXXX XXXX XXXX- against me. I am disputing the actions of this agency. I have no knowledge that this is a valid debt. I responded to the court with my ANSWER and these lawyers ( debt collectors ) filed a Motion to Strike my Answer. I have opposed their Motion to Strike my Answer and filed an amended ANSWER. Now they have filed a Motion for Summary Judgment. I have filed a Motion Opposing Summary Judgment and they have provided documents to the court which are UN-REDACTED and contain not only my Confidential Personal Information but more than 5 transactions which include Medical Information which violates HIPAA Act and I plan to files federal charges against them with HHS Department. Please investigate Pressler, Felt and Warshaw, LLP. 
My detailed information is contained in the court documents which I have attached.
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

My 100 % completed application to drop my Mortgage Insurance and {$340.00} check for the appraisal was delivered in XXXX to PHH Mortgage. The check was cashed about 1 week after receiving my application. I have made inquiries and received requests that I've immediately followed up on. It is approaching the end of XXXX with no apparent progress in my application. I can not get a credible answer regarding the timeline for my request. I'm continually informed that my email will be responded to in 10 business days and that a relationship manager will reach out within 10 business days, with no follow-up. It's taken 5 months to get an appraisal ordered. My concern now is will it take another 5 months to process the appraisal and drop my mortgage insurance?
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ERC (IL)

On XX/XX/2021, Enhanced Recovery Co add a derogatory mark on my credit report per credit karma Upon, further research this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Enhanced Recovery CO has violated my rights as a consumer and Im requesting legal action to remove this amount immediately.
Consumer complaint received 2020-01-31
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I only receive social security income. During XXXX when the child tax credit was in effect. The bank states that they were obligated to provide a temporary credit to my account to allow access to the funds from the IRS. I did have overdraft fees to pay my rent which were paid back in the same month with my social security income. On XX/XX/XXXX, I saw that my bank account was negative {$2000.00}. Wells Fargo states that I owe this amount due to a reversal of temporary credit provided for negative balance prior to stimulus payments. Wells Fargo has taken my only income for myself and my daughter. My daughter and  I are both XXXX. Wells Fargo has taken 3 months of my Social Security XXXX leaving me with no way to pay my rent, utilities, car, insurance and gasoline to take my daughter to her appointments.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (IN)

The Loans For Affirm inc have been paid and I have contacted affirm they have provided me email and documentation for this pay off I request that this be updated on my XXXX Credit Profile to reflect the loan is fully paid off and should go into A positive Status
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

Venmo suddenly froze my account after I received a payment for what they called suspecious activity because the instant transfer feature wasn't working as it almost always is down, so I attempted to add different cards hoping one would allow me to transfer my money from venmo to my bank account and they flagged my account and froze it. I have since jumped through a million hoops providing everything they asked for and in turn have up. Well I randomly alsaw an email I missed from almost 2 months ago saying my previouly held funds could now be transfered out through a normal bank transfer but not through an instant wire because of the still in place account limitations. So I go on there to do so and it pops up saying my account has been permanently suspended now. They won't allow me to add a card or bank account to my account to transfer the money out nor can I send it to another user and they won't reply anymore. I have been trying to get this money since XXXX of this year I think maybe XXXX I will get an exact dade but going on 5 months now I have had my money stuck on there platform
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (GA)

I made a credit card payment for XXXX on XXXX XXXX and only XXXX was applied to the payment and Im not sure where the XXXX was applied to because on the statement its doesnt show any details where my money was applied. The interest rate 29.49 % which I believed the XXXX was applied to interest. I reached out to customer service and the representative said she have no details about my credit card account I will need to sign in to my account and calculate it myself. I need some type of resolution about my credit card account.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Someone got ahold of my phone and debit card and deposited some checks into my account .I went into a XXXX XXXX to give them my written statement and to seek assistance I informed them that I have a police report that I submitted with my other bank they said leave them my best contact number and they will get back to me. 2 months go bye with no calls or messages beside a notice saying that I owe XXXX dollars and my accounts closed if I don't pay the amount owed I will be reported to XXXX
Consumer complaint received 2022-06-15
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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 2021-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not consent, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX  - XX/XX/2021 2. XXXX XXXX XXXX  - XXXX XXXX 3. XXXX XXXX XXXX  - XX/XX/2021 4. XXXX  XXXX BANK XXXX  - XX/XX/2021 XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/year>, I sent out a letter to the three Credit Companies XXXX, TransUnion, and XXXX asked them to send proof my information was sent to them by the courts or myself and they failed to send me anything. I ask that they remove the illegal information from my report. I reached out to the courts and they stated they never gave out any personal information to XXXX, TransUnion, and XXXX. I attached Letters as well to my complaint.
Consumer complaint received 2022-06-15
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. (NY)

XXXX XXXX XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act, TRANSUNION 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 an account without my written instructions.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Google Compare Credit Cards Inc. (NY)

I have tried for 4 months to send back something ordered from the google store using the credit card from google. They said they sent the shipping labels but have not. This is the second time I have had this problem with google. The first time took 64 back and forth emails and months to get the labels to return the item. I have complained to the attorney general of NY and they said I might want to also get you involved. After fifteen minutes on the phone with the credit card company they transferred me to google store with no option that would have helped. I recorded the entire call for you if needed as I was filling this complaint out. Their mishandling of this is going to affect my credit. I have called more times than I have counted getting the same indifference. The first time it was for ear phones that I did not order. They sent a second pair and I only wanted one. The second time was for two chrome cast for the TV and they did not work with the TV 's. Now it is for a thermostat that is not worth it to me.This is on the bottom of the dispute a charge at google store financing
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IL)

they sent me a letter and a document from XXXX on a credit card order/ trial order call, which is fake it's dated XX/XX/XXXX look at top for date with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXX 2015
Consumer complaint received 2021-09-23
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (CA)

I filed a dispute with XXXX in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA.

Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. 

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX  or XXXX  as required under Metro 2 - another reason for deletion.
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (TX)

On multiple occasions the Earnin payday loan company has withdrawn money from my account ahead of my pay schedule resulting in overdraft fees of {$30.00} per incident. 

While this has happened more than 3 times I have record of my last conversation with Earnin in which they were supposed to update the pay cycle on XX/XX/XXXX but failed to do so resulting in another overdraft fee on XX/XX/XXXX. 

When contacting them on XX/XX/XXXX and XX/XX/XXXX I was informed that they would not be able to perform a refund but would update my pay cycle. I am no longer using this app.
Consumer complaint received 2022-06-12
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : 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 XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX