davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Act 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (CO)

I have been contesting an incorrect debt in the amount of {$64.00} that was sent to a Collections Agency/Attorney 's Office ( Aldous and Associates Attorneys at Law of Holliday, UT XXXX. I have contested the debt with the original vendor ( XXXX XXXX in XXXX and XXXX of 2020, as well as XXXX of 2020 XXXX, and my credit card company XXXX XXXX XXXX XXXX contested the incorrect charge of {$22.00} XXXX XX/XX/2020 XXXX which was an auto payment for a membership service incorrectly and unfairly applied due to Covid shutdown ). I have filed complaints with the Colorado and Utah Attorney General 's Offices, as well as with the Utah Consumer Protection office. I have also filed an official collections refusal with the collections agency on XXXX XX/XX/XXXX. I have not been able to clear the incorrect debt ( there is no debt owed, the original company charged my card incorrectly for a monthly membership due during the Covid shutdown ). I receive calls from the Attorney 's office XXXX times per day, usually without a voicemail, they call at all hours, including weekends. The original company claiming the debt XXXX XXXX XXXX XXXX has not responded to any of my attempts to clear the incorrectly reported debt as it is " in the hands of collections now. '' I am requesting this incorrect debt be cleared to {$0.00} and the phone calls to end.
Consumer complaint received 2019-03-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GREAT LAKES (FL)

called Great Lakes Servicer to ask if the loan was government or private but was told that the account was handed over to XXXX which is a collection agency and explained to Great Lakes that this is no longer a government loan but a private loan and was explained to me that they are working for Great Lakes Services to collect the debt. but according to my credit report will show that the account is up to date and paid on time. XXXX  back in XX/XX/XXXX and did a back ground check on the School which is XXXX College had shut its doors due to accreditation making students pay for loans knowing that the process that they used is waste fraud and abuse knowing that the classes that were taken could not be transferred to a regular college or university. Since this school has closed its doors no student should have to pay back this loan and therefor should be permanently discharged whether the student graduated back in XX/XX/XXXX or XX/XX/XXXX. This loan should not have been handed over to a collection agency knowing good and well the account was being paid up to date as noted on the consumer credit report which will be mailed to the Consumer Protection Financial Bureau as evidence. The consumer asks that the loan be completely discharged and reported to all three Credit Reporting Agencies as such due to school disclosure.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

XXXX XXXX charged {$510.00} to my account for a table left on the property and did not disclose to me that I had the option to move it. 

I completed my fall lease there through the year of 2018 and when I moved out I was unaware of any items being left there. For all I know they could have sold the table there for profit without my knowledge or consent. 

I have tried to get this resolved through the company, but it was already released to a debt collection agency before I could bring up my case.
Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I had a checking account with Wells Fargo in their XXXX XXXX XXXX XXXX. The account was in good standing with no fees or dues over the last XXXX + years. Imagine my shock when I logged in to my account online to suddenly find that the account was closed. No reason was stated at all. I called their customer service and spent more than 30 minutes being tossed around between 3 different people, all of whom were clueless and unhelpful. Finally, I was told that the account was apparently closed because of a seeming lack of customer initiated transactions. They were unwilling to put this in writing anywhere. So, I don't think this is the actual reason. I have at least XXXX or more transactions every month including an automatic credit and an automatic payment. If they are not initiated by me ; who else did? Also, this requirement about ; customer initiated transactions ' was totally new to me. I was never told about this when I opened the account or subsequently ever. 

I am completely and utterly dissatisfied with Wells Fargo 's response. Basically, they are now saying that they have the right to close the account at any time for any reason or for no reason even. Well, I don't agree with this fundamentally. But also, this was not something that they told me at the time of opening the account or at any time since. I explicitly asked their representative at the time of opening the account if there were any conditions and this was definitely not mentioned at that time. If this was told to me then, I would not have opened the account with them at all. Also, the bank 's definition of what they call 'customer-initiated ' transactions is completely nonsense. They claim that any automatic transactions, whether debits or credits, initiated by me are not customer-initiated. Under whose definition. If I did not initiate these transactions, who did? Does CFPB agree with this definition? Is it legal? Under what law? Also, because of Well 's Fargo 's actions in closing the account suddenly, my automatic credit went missing and I received that only after 2 weeks delay causing me inconvenience and loss of funds. I want Wells Fargo to compensate me for that. If I had made a late payment to Wells fargo, they would have charged me outrageous rates of penalty and interest and fees. Well, now they need to compensate for delays caused due to their unjustified actions. Also, Wells ' Fargo 's representatives are thoroughly lacking in any norms of customer service or even basic understanding. I have had to spend many hours over email and phone with absolutely no use. I want Wells Fargo to issue a formal apology and compensate me of the hardship caused. I do not treat this issue as closed and want CFB to take stringent action against Wells Fargo
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (FL)

In XXXX, I noticed a collection account from this company on my credit report, which I have never received an initial letter from stating they are collecting on this debt nor containing notice of my right to dispute the debt. Per the credit report, they stated they started collecting on this debt in XXXX 2015. I sent this company a letter and they never acknowledged receiving this. They have willfully violated the law.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (OH)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX [ Re : Complaint and Dispute Against Affirm , Inc. LLC ] To whom it may concern, I am writing to file a formal complaint against Affirm , Inc. LLC for violations of consumer financial protection laws. In addition to the complaint, I am also disputing any debts to Affirm , Inc. LLC and revoking all rights of Affirm , Inc. LLC to communicate with me through email, texts, or calls.

Furthermore, I am requesting validation of the debt as well as the purchase agreement between Affirm , Inc. LLC and the original creditor. Please provide this documentation within the prescribed timeframe.

I believe that Affirm , Inc. LLC has violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide validation of debt within the prescribed timeframe.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate information to consumers.

12 CFR 1006.34 ( d ) : Engaging in unfair or deceptive practices in the collection of debts.

15 USC 1681-S2 ( 7 ) ( A ) : Failure to comply with the Fair Credit Reporting Act ( FCRA ) requirements.

Details of the alleged violations : Failure to provide Validation of Debt : Despite multiple requests for validation, Affirm , Inc. LLC has failed to provide any documentation or evidence to prove the validity of the debt they are attempting to collect, in violation of 12 CFR 1006.34 ( b ) ( 5 ). Inaccurate Information : The information provided by Affirm , Inc. LLC regarding the debt is inaccurate, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The amount claimed and the details of the debt do not align with my records, and I dispute owing any and all debts to them.

Unfair or Deceptive Practices : Affirm , Inc. LLC has engaged in unfair or deceptive practices in their attempts to collect the debt, as prohibited by 12 CFR 1006.34 ( d ). This includes harassment, threats of legal action, and misrepresentation of the debt.

Non-compliance with FCRA Requirements : Affirm , Inc. LLC has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681- S2 ( 7 ) ( A ), by reporting inaccurate information to credit reporting agencies and failing to investigate disputes regarding the debt. 
Sincerely,
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a cash deposit of {$150.00} to my bofa checking account thru an atm at the XXXX XXXX location on XX/XX/21 it went thru money showed posted on account. On XX/XX/21 my {$150.00} deposit had a reversal of {$150.00} and over drafted my account. No call or letter was ever given to me I called aswell and was told I couldnt dispute it.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have excellent credit XXXX XXXX and XXXX XXXX as reported to me by XXXX XXXX XXXX today XX/XX/19, without charge. 

I applied to XXXX XXXX for a credit card, as of XX/XX/19, and received in the mail from XXXX XXXX XXXX XXXX  explaining what a credit report was, that Experian had reported a FICO score of XXXX, and that " under federal law I could obtain obtain a copy of my report from Experian for 60 days without charge. I tried to obtain a copy of my credit report from Experian online today, XX/XX/19. At XXXX I received an email from Experian to veriy my info, and received a free " 'credit report which did not include a FICO credit score. and no way Ito request a free copy., Instead, it offered numerous services, including a monthly update service for a {$21.00} fee, and a 7 day trial for the FICO score and demanded a credit card for {$1.00} non refundable, and no way to dispute my right " under federal law ''. Experian rated itself XXXX " very good '' ; falsely rated XXXX XXXX XXXX " good '' ; and XXXX  XXXX " very good '', in contrast with their ratings in the first sentence above. My only recourse is this CFPB Complaint. XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc (CT)

As of XX/XX/XXXX, XXXX  company failed to respond to this matter. Last update shows on cfpb on XX/XX/year>XXXX  company still in the process of reviewing this matter It's been longer than the 30 day waiting period. My complaint number is XXXX which was submitted to the cfpb on XX/XX/year>.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

XXXX stated that I owed them {$340.00} I never had progressive insurance. This was an account opened in reference to the identity theft report I created with the Bureau. 


Based on 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-03-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (NC)

My family was experiencing a significant financial crisis due to years of only one paycheck, a 5 person household, and mounting debt. I received several advertisements regarding BHG 's financial services. I explained that we were in a financial crisis and was interested in a consolidation loan. Unfortunately, I was encouraged to proceed with the loan and was not given much details. For one, I was never told that they would set up the loan as a " business loan '' and use my name as a corporation which does not exist. Secondly, the contract was set up to sue including applying a XXXX lien on my home if I was unable to pay. I was also not informed that there would be a prepayment penalty and that I would end up paying twice the amount of money that I borrowed. I ended up paying them back a large portion of the money that I borrowed just in monthly payments over the course of 12 months. My monthly payment to BHG was XXXX dollars per month in addition to all the other monthly expenses that I owe. I ended up having to take other loans out just to pay them monthly which has doubled my total debt and eventually led to our situation spiraling into financial ruin. I feel like during a desperate time in my life, I was misled and now my family is at risk for losing everything. They are unwilling to negotiate and continue to threaten us with taking everything from us.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: MoneyLion Inc. (CA)

I received an email notification that a MoneyLion account had been created in my name. I accessed the account online by resetting the password and confirmed some of my personal information was used in creating the account ( email, work address, first/middle/last name, date of birth, SSN ).

My credit file has a fraud alert, but moneylion still permitted this account to be created.

I called moneylion and they closed the account, but I wanted to alert you to this issue as there are many many reports online of people being scammed in this way, with moneylion accounts.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

Sun Trust will not answer their phones and have not responded to any voice messages. Calls made man times to XXXX XXXX, and XXXX XXXX with NO RESPONSE from either. 
Sun Trust Bank, NA has 72 hours to respond before I file a formal complaint of bank fraud with the Attorney General of the State of South Carolina.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery uses a random number generator to disguise where they are calling from. They also pretend to have the wrong number and they are just checking. They continually harrass me by phone and they continually do inquiries in my credit with all three credit reporting agencies. They never tell me why they are calling. I have never done business with them or owe them anything. They need to stop.
They also shared my phone number with Spammers and now my phone won't stop ringing.

XX/XX/XXXX

As you can see, Portfolio Recovery has stepped up their harrassment ny callingme two or three times a day beginning in XXXX. Sometimes FOUR times a day. They need to stop calling me for something I do not owe.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

I have this money in my account worth {$28000.00}, and paypal withdraw it without my notice, and there's a record too, that Paypal itself access my account to withdrew my money to theirs. Without any information.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I got a amazon reward visa credit card from one of their promotion. That card belongs to chase bank. According to Chase bank 's instructions I installed chase mobile app and setup my credit card. I've set alerts about payment due date. But the app never sends payment due notifications or any form of bills. I never get any chase billing in my mailing address. Ever since I have this credit card I have to login every time to check for a due payment and need to make that payment. Not getting any bills or notifications makes keeping track of due payments so hard.

The inconvenience is, Chase is charging the Late fee on my account. Instead of correcting errors on their
end, like sending alerts, and/or sending bill on my address they are forcing me to pay the late fee.

On my behalf, I confirm that, I've a very good credit history. I've always paid all my purchase payments timely manner with all my credit card providers. I do NOT have any outstanding balance with chase either. The only amount hanging in my account is the late fee which has been generated by only their system error.

Legally, I must not held accountable for Chase 's erroneous and inconvenient alert and billing services. I request for a resolution of this issue, that is, taking off the incorrect late fee from my account.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of id theft and my personal information was compromised in the XXXX data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft report