davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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)

The Credit Bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. 
Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

On XX/XX/2022 there was a charge made fraudulently to my Direct Express card where I receive my monthly XXXX benefits in the amount of {$56.00}. 

I immediately disputed this charge and completed their customer statement of disputed transaction the card in question was closed and a new card mailed. 
A refund was issued XX/XX/2022. 

I received an email XX/XX/2022 advising me they were charging me back the {$56.00} putting me in a negative balance and was told their decision was final. 

I have never received any merchandise for this fraudulent charge. 

Now Direct Express has put a block on the card my child receives her monthly XXXX XXXX 

This outrageous and I need immediate help resolving this matter. 

Thank you.
Consumer complaint received 2020-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a auto lease with XXXX XXXX XXXX XXXX XXXX. Due to Covid 19 Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, XXXX reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

In accordance with the Fair Credit Reporting Act Wells Fargo Auto 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.
Consumer complaint received 2024-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Hello, last year I was informed that a class action lawsuit ( XXXX v. XXXX XXXX ) I was involved in was finalized. As a result, my federal student loans were canceled. The school was proven to be involved in illegal practices when it comes to student loans. 

A few months ago I contacted Navient about XXXX particular loans that I believe should be canceled under the recent settlement decision. I informed them that these three loans in their possession must have been XXXX loans and as such should be consolidated to Fedloans and then canceled as well. The only loans that I know of were FFLP ( federal loans ) and I have no original documentation on these loans, however they insists that the loans are valid private loans. I then asked for all the documentation on these loans and my signed agreement to them to be sent to me and to freeze the loans until we get to the bottom of this. What they mailed to me was a copy of of some document with no loan details, and an electronic signature. The document they send had no details not even who the lender was, the XXXX, or anything specific. This seems like fraud perpetrated by the school and was being enforced by XXXX and now Navient. 

My credit report is being ruined by these three loans mentioned above and I don't even think they are valid loans. They can't produce any documentation proving they are my loans much less private loans and not XXXX loans. 

Someone needs to investigate this Navient company and situations like this I am sure I am not the only person this is being done to. 

Thanks, XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC (TN)

This company, National Recovery Agency, continuously texts and calls at all times of the day and night even at XXXX. They recently violated the FDCPA 7 in 7 rule when they contacted me eight times within less than five days. And they dont care what time of the day or night. 

Friday, XX/XX/2024 - texted total of 3 times Tuesday, XX/XX/2024 - texted total of 4 times. Started texting at XXXX and texted 3 times within the next XXXX minutes. Then texted again at XXXX ( rules state not past XXXX ) Wednesday, XX/XX/2024 - texted XXXX time at XXXX. The eighth time in 5 days and again, outside of the designated time frame for contact. 

After they woke me up with that text, I texted back informing them that I would be filing a claim and contacting my attorney.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : XXXX. XXXX XXXX XXXX # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. XXXX. XXXX XXXX XXXX # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive recently checked my credit report and I see on my report that looks as though someone got a hold of my social or information and applied for things in my name that I did not authorize can you all please take care of this issue due to the law. I have excellent credit and worked very hard from my report to get where it is to have someone come mess it all up can we get this cleared soon as possible!!
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Today, Paypal took {$400.00} directly from my bank account by wire without my permission. 



I have attempted to contact them and ask why this was done but have not received a response. Yesterday, someone attempted to send me the same dollar amount and after realizing paypal locked my account, I asked them to issue him a refund through their dashboard ( The same money he sent was supposed to be sent back ). They are holding his money against his permission now, as well.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 and XX/XX/2022 there was 2 unauthorized transaction on my Wells Fargo bank account in the total amount of {$22000.00}. I noticed this and called Wells Fargo to file a claim. I waited 2 weeks and was called by a agent saying my claimed was denied. She called and asked me questions about transactions from 1 year ago and I tried my best to remember but I dont. She then accused me of being a liar for not remembering. This was all on a recorded line as well. She asked me questions about transactions that had nothing to do with the claim or fraudulent transaction that I was calling in about. Now I lost all my money in my Wells Fargo account and they told me to contact the merchant. How do I contact the merchant if they dont even have a real company name and its just a bunch of numbers? I never made this transaction, why is it my job to contact the merchant. Im frustrated and confused right now. I thought my money was safe with Wells Fargo but instead they tried to manipulate the situation by asking me unrelated questions and making it seem like Im a liar when the questions are from 1 year ago.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Deutsche Bank (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Circuit Court of the State of Oregon Foreclosure, with no prof of claim BK ruling. 
XXXX XXXX XXXX. 
Deutsche Bank National Trust Company Your investigation earlier found this note that wasnt theirs.

In 2010 Bankruptcy ruling stated that this note could never be collected upon again.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (DE)

Yesterday I was informed by someone that resurgent emailed them about a debt in which they exposed my information on an email to this person from an email in which doesnt belong to me at all. This was one accounts that credit one was still charging me after the account was closed as well. So my balance got to be an additional {$500.00} plus when it went to collections.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc (MI)

My name is XXXX XXXX and I am a Michigan resident. For 7 months I had been using the app chime to get paid through my job. On XX/XX/2022 an unauthorized purchase of XXXX dollars was made of my Credit card ( its called a credit builder card ) at a XXXX XXXX XXXX XXXX in XXXX Florida. I even sent proof of my whereabouts at time of purchase. Ive showed them that I was at work for the majority of the day in XXXX XXXX, Michigan. Theres no way that I can even make it to another state by XXXX the time of the purchase by flight or car the same day. I even worked the following day. I called the store that the purchase was made at was given a hard time by whom ever answered the phone and said there was no one I could speak to and nothing I could do. After about a week of e-mailing these people and talking to different representatives of having my dispute reopened, they keep telling me there are no errors even though Ive shown proof of fraudulence. My XXXX  account was even linked to chime so they tried to hit that account for a different amount, but didnt succeed. All together i ended up closing my chime amount scared that there would be another attempt of my money being took and just moved all the rest of what i had left to a separate account so that it wouldnt happen again. Its just said that people actually take the time out of their life to work just to get half of their check stole without an issue or no red flags.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stenger & Stenger, P.C (MI)

Victim of Identity Theft - Now being garnished and threatened with Tax Refund confiscation. Reported it in XX/XX/XXXX FTC Report Number XXXX. I am continuously being harassed and now being garnished for an account that I did not authorize. 

I worked overseas from XX/XX/XXXX through XX/XX/XXXX. I spent time in both XXXX & XXXX, with periodic home leave documented. POA was drawn and signed to provide oversight and maintenance of assets and executed for my affairs to be managed & decisions exercised in my name AND FOR MY BENEFIT. Excluded in the POA are actions that would cause my assets to become unstable, diversion of my assets to the Agent, Agents accounts, Agents creditors, Agents estate, securing personal loans or attempting to defraud me of funds & assets is not a provision of the POA. A formal revocation has been executed. Total missing assets {$25000.00} ; Total funds diverted {$170000.00} ; Total funds defrauded {$400000.00}. 

Account in reference : XXXX XXXX Amount now XXXX and garnishments continue
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Lvnv llc is trying to collect XXXX different debts XXXX for XXXX and XXXX for XXXX for utilities opened in my name I have no utilities in my name the company I work for pays my rent and utilities I only pay internet both accounts were opened on the same day I have been taking care of my credit for years and this is really impacting it please help me get this resolved
Consumer complaint received 2022-06-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

In XXXX we were refinancing our home to get a lower mortgage rate. My wife and i both got XXXX the week we were to close on the refinancing. since we could not sign the closing documents at that time we called Freedom Mortgage and tried to set up another closing time. they put us in COVID which had us not paying any payments for 12 months. this was over on XXXX XX/XX/XXXX. In XX/XX/XXXX my wife and i called Freedom Mortgage and was told that they would be sending us a new contract. We received this contract in XXXX XXXX we took it to a notary and signed everything then sent the packet back. We started getting calls from Freedom Mortgage on a bi-weekly basis stating that we were behind on our payments in the amount of {$25000.00} and we needed to make a payment. We told the collections department of Freedom Mortgage that we had already signed the new contract and that we were going to make the first payment on XXXX XX/XX/XXXX like the contract said and we also asked why they were calling since our new contract was signed and submitted. We were told that there was an error on the new contract and that it needed to go back to the underwriters for corrections, we would be getting a new contract to sign but to make the payment on XXXX XXXX like we agreed to. We did make XXXX and XXXX payments but we never recieved any new documents and the debt collection calls still came weekly to bi-weekly. i spoke to several different representatives and none of them would give me the same answer, i finally asked if they could tell me if my XXXX and XXXX payments were on my debt or on my new contract and again i never received a confident answer. one person would tell me one thing and someone else would say no that is not right. It is now XXXX and again i received a letter from the underwriters saying that they approve my loan and the documents are coming. The debt collectors are still calling and now they are starting the process all over again, they said that my payment will be x amount and that the first payment is due XXXX XXXX but i still have not seen a new closing document and i don't want to start paying money again without knowing where it is going. I have been dealing with this since XXXX of XXXX and all i want is a signed legal document stating that i pay x amount for x years and my home is mine. I am not trying to get out of paying my mortgage i just want to be sure that the money that i am paying them is going toward my mortgage and not just being thrown away. every time we call we are told that they are very behind and to be patient. i do not want to lose my home but i don't want to throw my money away either. i am just asking for some help to get the correct documents.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I am not aware of this debt, and I did not have an opportunity to dispute this information. If you believe that you gave me proper notification, please send me a certified receipt with my name on it and my signature stating that I received it.
Consumer complaint received 2022-06-16
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: BARCLAYS BANK DELAWARE (FL)

I am XXXX XXXX  and have just had a XXXX XXXX XXXX Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX XXXXXXXX : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.
Consumer complaint received 2022-06-16
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: WELLS FARGO & COMPANY (FL)

I am XXXX XXXX and have just had a XXXX XXXX XXXX. Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX  XXXX : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXXXXXX XXXX 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 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (TX)

I am not familiar with this account. I have contacted FLAGSHIP CREDIT concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.