davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-23
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. (MD)

I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.
Consumer complaint received 2022-11-18
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. (NY)

XX/XX/2022 i XXXXXXXX XXXX XXXX call the credit company experian and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that experian want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was experian that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call experian cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

XX/XX/24 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Formal Complaint Against LVNV FUNDING LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC regarding their unethical and potentially illegal practices in accordance with the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ). I also dispute owing any and all debts to LVNV FUNDING LLC. 

First and foremost, LVNV FUNDING LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is a direct violation of federal regulations designed to protect consumers from inaccurate reporting and harassment by collection agencies.

Furthermore, LVNV FUNDING LLC has denied me the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of due process infringes upon my rights as a consumer and demonstrates a blatant disregard for the regulations put in place to ensure fair treatment. 

In addition to these violations, LVNV FUNDING LLC has engaged in deceptive and misleading practices, further compromising my consumer rights. Their actions, which include false representation and misrepresentation of information, are not only unethical but also illegal according to federal law. 

It is imperative to note that LVNV FUNDING LLC has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is a clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which dictate the procedures for reporting consumer information accurately and responsibly. 

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into the practices of LVNV FUNDING LLC. Additionally, I urge the CFPB to take appropriate enforcement actions to ensure that LVNV FUNDING LLC ceases these unlawful practices and is held accountable for their actions. 

I am requesting debt validation and the purchase agreement between LVNV FUNDING LLC and the original creditor. I am revoking all rights of LVNV FUNDING LLC communications with me through email, texts and calls. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and uphold the integrity of the financial system. 

Please keep me informed about the outcome to this complaint and thank you again for attention to this matter.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (LA)

XXXX is illegally reporting information on my credit report. Transworld notified the credit bureaus on XX/XX/year> of this alleged debt and neither Transworld or XXXX notified me within 5 business days of this debt. I get alerts today that XXXX lowered my credit score XXXX points and I am closing on a home next week and need this off of my credit report ASAP! Transworld has not notified me of this debt via mail nor did XXXX. This is a reinsertion which is illegal. 

This is NOT my debt! I am not liable for this debt! This is an illegal collection. Transworld has no license to collect debt in my state of residence. Also, This was being reported XX/XX/year> as a " reinsertion ''. I do not have a contract, purchase agreement or account with Transworld and I want them to remove this off of my credit report ASAP!!! My score has went down XXXX points because of this illegal debt. None of the credit bureaus or Transworld provided me a letter of this information within 5 business days under 12 CFR 1006.349 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 U.S. Code 1681 ( c ) ( 2 ), 15 U.S. Code 1681 ( B ), 15 U.S. Code 1681 ( C ) ( 2 ), and 15 U.S. Code 1681 ( s ) ( 2 ). 
I have not supplied proof under Stoppel by silence Engelhardt v. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore such debt, in fact exists.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Winklevoss Exchange LLC (CA)

I opened an account with Gemini Company Trust LLC in XXXX. On XX/XX/XXXX, I received an email that my account would be closed without explanation. My account is in good standing with no outstanding late payments or debts. I was given 5 days to withdraw all my funds. The company will not provide a reason for the account closure which is unfair consumer treatment.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

This is the second leg of a complaint I filed earlier. Over {$5000.00} was taken from my checking account one morning at XXXX XXXX. The transactions were not authorised and about half of the sum was returned immediately, while {$2400.00} was held in " pending '' status. The amount of {$2400.00} was removed from my bank account nonetheless. Chase cancelled my debit card after I reported the fraudulent transactions. It was days before Chase returned the sum of {$2400.00} to my bank account. It sent me a very brief letter explaining that the case was closed, and made no attempts to explain why the fraudulent transactions occurred in the first place. 

Furthermore, I had reported the fraudulent charges on XX/XX/XXXX. By XX/XX/XXXX, I was still waiting for my replacement debit card. I finally called Chase on XX/XX/XXXX to ask why my debit card hasn't arrived, and after being on the phone for XXXX minutes and having spoken to XXXX different Chase employees, I was on the line with XXXX XXXX from the credit card department. I was told that because Chase had previously tried to send me replacement credit cards that did not reach me, I was on a list for undeliverable mail ( or some such ; I can not remember the exact description used ) and I had to speak to the credit card department to get my name off. I asked why Chase couldn't navigate this internal bureaucracy on its own and the employees gave no explanation. I was on the speaker phone throughout this XXXX ordeal to get a replacement for my debit card that was cancelled as a result of fraudulent transactions, and at one point my husband spoke to me while I was on the phone. Chase employee XXXX XXXX, upon hearing my husband 's voice, demanded that he introduced himself because she could hear him on our call. XXXX then informed me that if I needed my debit card urgently, and I do, since I have waited weeks for it, that I needed to pay a {$5.00} " rush fee. '' Having failed to deliver my debit card after XXXX weeks, Chase now requires me to pay a fee to get the job done. I refused the fee, and XXXX informed me that the replacement debit card would be delivered by without the " rush service. '' Chase 's customer service is truly appalling, to say the least.
Consumer complaint received 2023-04-05
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. (NY)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLIANT CREDIT UNION (MI)

Alliant still refuses to accommodate my XXXX. Sunday I returned from NJ to find a XXXX XXXX envelope in the snow in front of my home. It was wet and the letter was fading. It is telling me about my password and wants me to reset it. I dont want to change or reset my password. It was the XXXX who blocked me from using my own password. They have tried to change my email and are now trying to change my password against my will. They provide a number on the letter but it is not available during normal XXXX hours and is limited and not toll free. They continue to destroy my credit due to the lack of accommodation under the ADA so I could manage my account. There a pending civil rights complaints against them with the State of IL and the XXXX XXXX XXXX for refusal to accommodate my XXXX. The XXXX also left a letter about my mental health outside in FL and refused to retrieve it. ( See photo ) I have USPS mailbox that is safe from weather, I hold or forward my mail when needed. Using XXXX XXXX  to leave notices outside in the weather compromises my security. Lastly their requests for me to call go against medical advice since each time I had called in the past they were not prepared to discuss any accommodation under the ADA an only triggered my XXXX. They have never contacted me about any ADA process at their company.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (GA)

This alleged debt arise from a consumer transaction offered from XXXX.the services was accepted then respectfully returned. No goods nor services are in possession of the consumer. 
No debt is owed or need to be collected by XXXX XXXX. 
This debt is in fact inaccurate and unlawful. 
Receivable performance is in violation of my rights to privacy and in violation of the FDCPA 15 usc 1692 ( see ATTACHMENTS )
Consumer complaint received 2023-04-05
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. (UT)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be REMOVED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (CA)

This company wrote off my debt as a " Chargeoff '' and so it is now considered taxable income for me. Therefore they can not come after me for the debt any longer, and they can no longer report it on my credit reports.

15USC 1692 g & 15USC 1681 ( e ) B Ive asked for a 1099c and have not recieved one
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CA)

My information was sold and bought XXXX because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete this XXXX  account from my credit reports, thank you CFPB.
Consumer complaint received 2021-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

In XXXX of XXXX A verbal agreement was made between Wells Fargo and myself to use an escrow overage that was in my account ( {$1200.00} ) along with an electronic payment from my bank account ( {$1000.00} ) to be combined and used as a past due payment. On my XXXX XXXX statement the payment was reversed and put into an un applied funds account as a credit and then debited back out. On XX/XX/XXXX may escrow balance was {$1000.00} then on XXXX XXXX my escrow balance changed to {$730.00} with no explanation. At this point a total of XXXX and XXXX had disappeared. Along with a payment of {$1000.00}. On my XXXX statement an increase of {$2200.00} was added to my loan balance as an escrow loan. So now we are at a total of {$4800.00} in missing or unexplained charges to my account. In XX/XX/XXXX a payment was made to my account to be later reversed and disappear, In XX/XX/XXXX I received a letter from Wells Fargo stating I had a {$1700.00} escrow overage that was being held. In XXXX my account was transferred to XXXX with a XXXX escrow balance.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

2018 opened my auto lease account with XXXX XXXX, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. XXXX XXXX did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I received a paper notice on or around XX/XX/XXXX from Phoenix Financial Services about a debt they stated I owed. They gave directions on how to dispute this debt if I did not believe I owed it. Those directions provided for a dispute via their website, among other options. I disputed the debt and requested validating information via the website on Sunday, XX/XX/XXXX. The website did not provide a confirmation code, which I found fishy- very easy to deny receiving any such correspondence. I followed up with the only email I could find available to the public : XXXX. In that email, I stated the following : " Good evening, In response to your letter dated XX/XX/XXXX : I dispute this is my debt. I dispute any knowledge ofcharges which would match the original creditor or subsequent holders. I request any signed invoices or other legal forms of validation that this debt is mine. I have submitted a similar dispute via your online form, but it did not provide a confirmation number. I request that all contact is done via XXXX mail in response to this email. 

Respectfully, XXXX XXXX This was sent via my personal XXXX account at XXXX XXXX  on XX/XX/XXXX. The company did not reply in any form : Electronic, or the requested postal mail. Today, XX/XX/XXXX, I have received a notice that Phoenix Financial Services has placed an account for collections on my personal credit report- without ever responding to my request for information.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Financial closed my account on XX/XX/XXXX and I have always made my payments on time, and have always used let than 15 %. There are plenty of complaints of them doing this to several of their customers for no reason due to the Covid-19 crisis. This is unprofessional and should be against the law. This is also affecting our credit score. Their only excuse is that everyone was considered High Risk which is incorrect. This company is very shady!!
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (MN)

I purchased a XXXX vacuum on XX/XX/XXXX from XXXX of XXXX and used XXXX XXXX XXXX to obtain the financing. XXXX sold me a faulty vacuum which stopped working after only XXXX days. I contacted XXXX about the issue and after many attempts of trying to get XXXX to fix the problem, to no avail, I finally returned the vacuum to XXXX. 
I first emailed XXXX, about the problem I was having with the vacuum, on XX/XX/XXXX and their response was " it is to late to return it '' because it was outside their XXXX  day cancellation period ; they didn't even offer to fix the vacuum at this point. 
I continued to pay my monthly obligation until the vacuum was no longer usable. I contacted XXXX again and told them I was not going to continue paying for a vacuum I could not use and they told me I could drop it off and see if it could be repaired. The drop off location and time was either an hour XXXX of my home anytime or XXXX miles from my home once a month. I offered to drive the hour away so I could have the vacuum repaired sooner but after receiving only a text ( no phone call ) from some random Rainbow seller I canceled the meeting. I did not feel comfortable meeting with this person because I was told I had to meet them at a " meeting spot '' instead of an actual place of business. 
I contacted XXXX on XX/XX/XXXX after hearing no resolution from them and made an appointment to drop the vacuum off, but not until XX/XX/XXXX at XXXX because this was the soonest day and time someone would be in my area. 
The representative told me they would look at it and see if it could be repaired and that I would be contacted. I asked about a replacement for the time being, which I was suppose to get according the seller, and was told they had no vacuums to lend out. 
I never received the vacuum back from XXXX and have not had the vacuum since XX/XX/XXXX but continue to have an outstanding balance on my credit report from XXXX XXXX which is now a charge off despite disputing the account many times.
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Company is charging interest when my XXXX  agreement does not allow this on this debt. Company refused to respond to any disputes I put it besides send me a XXXX  agreement which only proved them in the wrong.
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Good Evening, On Tuesday, XX/XX/XXXX a series of transactions were requested from XXXX via PayPal While these transactions were getting a cancelled status, they were also being posted. I instantly reached out to PayPal, as well as XXXX, to inform them of this situation. PayPal only has a customer service option via text messages ; it took almost an hour for someone to reply. She recognized a possible scam, but advised that I should reach out to my bank, as theres nothing she can do about it. 

While PayPal confirmed that the payments were processed to XXXX, he continues to argue that no money was received by him. 

With PayPal refusing to take any action on my behalf, I have yet to see these payments returned, as both XXXX and myself agree that this is the right course of action. The second page to last in the attached supporting documents show 's XXXX 's intent to return the funds ( his messages in blue, mine in yellow ). 

I am reaching out to you because nobody is enforcing this return of funds. XXXX can continue to argue that he didnt receive anything, all while PayPal confirms that he did.