davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ALLY FINANCIAL INC. (GA)

I have been receiving collection calls from Ally Financial after I explained to them I am not the party they are seeking please remove my number and do not call my cell. I have received XXXX more calls this week from XXXX harassing me, these calls were made on XXXX and XXXX to my cellXXXX. I understand they are currently in violation of the FDCPA prohibiting calls to my cell after I have told them numerous times not to contact me I am not the correct party. I will also send this complaint to the CEO of the company
Consumer complaint received 2024-05-14
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 (MI)

I had a venmo account that I would use to send money to my girlfriend and her son. After some time my venmo account got suspended with no communication as to why. The app says to check email and when they suspended it I never received an email then. I had reached out to support months ago and they wouldn't disclose why it was suspended. I don't care why it's suspended because I don't care about doing business with this shady business after seeing that they done this to numerous people online. They have my cards stored on my venmo account, social security number, debit/credit cards, phone numbers. I tried to close my account and it won't let me because of my account being suspended.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

They sold my information to another debt collector. I was on a payment plan for a settlement balance I was comfortable with. I recently loss my client, and defaulted in my payments. I am experiencing hard-times and only and afford $ XXXX {$35.00} a month. But they denied me. 

I am writing in response to your recent communication regarding the collection of a debt allegedly owed by me. I am disputing the validity of this debt and request that you provide me with verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 
I do not recall any outstanding obligation to your agency, and I dispute the amount claimed. Before I can take any further action, I need detailed information regarding the alleged debt, including but not limited to : The name and contact information of the original creditor. 
The original account number associated with the debt. 
The dates of the transactions or services rendered that purportedly resulted in the debt. 
Copies of any agreements or contracts related to the debt. 
A complete breakdown of the amount claimed, including any fees, interest, or charges accrued. 
Proof of your agency 's authorization to collect this debt. 
Please note that under the FDCPA, I have the right to request validation of the debt, and until this validation is provided, all collection efforts must cease. I also request that you refrain from reporting this alleged debt to any credit reporting agencies until this matter is resolved. 
Furthermore, I demand that all communications regarding this matter be conducted in writing. I do not wish to receive any further phone calls or other forms of communication regarding this debt. 
I expect a prompt response to this dispute letter within 30 days. Failure to provide the requested information or to cease collection efforts will result in further action on my part, including filing complaints with the appropriate regulatory agencies and seeking legal counsel. 
Thank you for your attention to this matter.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc. (NV)

I was looking at my credit report on XX/XX/year> and notice a XXXX Collections on my file. I called XXXX to find out why is it on credit report, and they stated it was from XXXX XXXX. I called them, and explained to them I never received a final bill or any collection attempts. A change of address is valid for a XXXX, as well as my email address is still the same. This debt hasnt been validated. I never heard about this agency, and wani it removed. Stop violating my rights. 

Permissible purpose, as defined in section 1681a of the Fair Credit Reporting Act ( FCRA ), refers to the legal and legitimate reasons for which a consumer reporting agency ( CRA ) can provide a consumer report to someone. These purposes typically include things like credit transactions, employment decisions, insurance underwriting, and similar lawful purposes. 

Upon received of this debt I have XXXX  days.
Consumer complaint received 2023-04-03
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

THIS COMPANY XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX SENT EXPERIAN AND XXXX PUT A COLLECTION ON MY ACCOUNT WITHOUT ANY NOTICATION. THIS IS A FRAUD ACCOUNT, NO PAPERWORK WITH SIGNATURES, COPY OF SOCIAL SECURITY AND CONTRACT TO PUT THIS KIND OF INFORMATION ON MY CREDIT REPORT.THIS IS A FRAUD ACCOUNT AND A COLLECTION COMPANY WHO IS NOT PLAYING BY FEDERAL LAWS DEALING WITH FAIR CREDIT REPORTING AGENCY. LAWS ARE HERE TO PROTECT ALL OF US NOT JUST A FEW WHO CAN BEND AND BREAK LAW WHEN IT FIT COMPANY. THEY SHOULD BE FINED AND LOOK INTO. THIS IS NOT RIGHT
Consumer complaint received 2022-01-20
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. (NC)

Dear Experian, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX XXXX XXXX  XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Back on XXXX XXXX, 2015 at XXXX I turned in all my cable equipment which I have a reciept for to XXXX. I am in the process of buying a house and today XXXX XXXX, 2015 my credit score was pulled and it showed a collection from XXXX XXXX XXXX XXXX for the equipment on all XXXX credit agencies. This dropped my credit score from XXXX to XXXX which is preventing me from buying my home. I am asking to please have this removed from my credit report immediately for it should have never been reported.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

a ) Unable to get Wells Fargo letter to support XXXX claim so falling into foreclosure b ) Need help from Wells Fargo to stop foreclosure as no letter re 'a ' above supplied. 
c ) Need help/modification from Wells Fargo to stop continuous rises in interest rates, with more due.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NM)

Not one complaint I have with direct express has been addressed. XXXX XXXX, Comerica XXXX, Senior Vice President, XXXX and all other employees of Comerica XXXX that respond to my complaints have dismissed every issue I have with the Direct Express Card. The Direct Express Employees do not answer or respond consistently to emails. The Direct Express Employees initiate email contact and that is it. I DO NOT HAVE A PHONE. I DO NOT HAVE ACCESS TO A PHONE. I DO NOT USE TELEPHONES!!!! This matter with all my complaints therefore can not be resolved over the phone. I have filed CFPB complaints XXXX XXXX XXXX XXXX none have been resolved even addressed. Now it is about three years later, and I only have a dispute number-XXXX. It took two to three years to get a dispute number. I have not received any reply to a request for status update. I have no idea if my profile information has been updated. The online banking is too limited to conduct any banking needs. There is a phone requirement that is prohibitive to receiving services. The customer service is abysmal, slow, and ineffective to conduct time sensitive business. You can XXXX  direct express and with the complaints to other federal, and state monitoring and regulatory agencies it is apparent that the Direct Express Card is not serving the population contracted to service in any beneficial manner to that population. Contrary to any positive press the experience of the card holder is daunting. You can see in the reports about Direct Express that the phone line is not answered as you are told to keep calling until you get thru. I do not have a phone. There is no accounting by Direct Express or Comerica bank for those who do not have the privilege or ability to use a phone. That discriminates the users even further since having a phone is not proof positive that you will receive timely, continuous, and courteous service. There is a definitive lack of professionalism in handling of complaints.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have reached out to Capital One Corporation numerous times informing them that I have the right to credit under Truth and Lending Act 15 usc 1602f credit- means the RIGHT granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

So knowing this, I have informed Capital One Corporation also that my social security card is the card that funds all consumer credit transactions that include my 9 digit social security number that I gave them access to, so that I may be able to extend my credits, which is also under the Truth and Lending Act - 15 usc 1602L - a credit card defined as : any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I can not be denied credits due to the fact that Capital One Corporation is making unauthorized late payments remarks on my consumer reports/files without my consent under 15 usc 1681s-2 so this account needs to be removed from ALL CONSUMER REPORTING AGENCIES IMMEDIATELY. Also, they have made another grave error claiming ( that a previous account ) - CHARGED OFF account ( which I disputed and is being held unlawfully against me ) can be a valid reason for my denial.. When I know for a fact that has nothing to do with my approval and it should not even be reported in the first place due to the fact that the consumer report/file DOES NOT INCLUDE INCOME source- 1099C IRS Publication states it's no longer a debt when it becomes a charged off account, and that it indeed is proof it's GROSS INCOME and it must be removed immediately.

I am given the authority and I am enforcing my consumer right for an extension of my credit to be granted to {$50000.00} due to their lack of compliance and refusal to grant me my previous request of {$25000.00}, pursuant : Truth and Lending Act subchapter 15 usc 1691 ( 3 ) SCOPE OF PROHIBITION " ACTIVITIES CONSTITUTING DISCRIMINATION - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (PA)

I as a natural person ( consumer ) who is protected under federal law. Experian violated my rights under FCRA section ( 611 ) 15 U.S.C. 1681 ( 6 ) ( a ) ( iii ). Experian failed to respond for my request for method of verification FCRA, section 611 ( 6 ) and ( 7 ). This is a clear violation of my rights and I have also uploaded proof of the documentation.

I a natural person under 15 USC 1692 ( a ) have been abused, deceived, and there has been unfair " debt '' collection practices by Experian and this abusive practice has been hindering me from getting a job. Under 15 USC 1692 ( g ) ( 1 ) Experian has never sent I the consumer any communication of a written notice containing of the following 15 USC 1692 ( g ) ( 1 ) the amount of the suppose debt from XXXX, 1692 USC ( g ) ( 2 ) the name of the creditor to whom the debt is owed. Experian is not following the rules and regulation set forth by congress and it is unfair.
Consumer complaint received 2022-01-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX ( Florida XXXX ) has been working very closely with me. Wells Fargo Home Mortgage- apparently it does appear that Wells Fargo has vested interest ; possibility under an alias or affiliate ( s ) with XXXX. ( Wells Fargo has been fined for this practice already and it seems they are still " involved ''. ) I have provided XXXX XXXX proof of the PDF format that Wells Fargo knew the actual amount of XX/XX/XXXX 's home owners insurance long before they did. After several correspondences, because XXXX  had repetitiously informed me they DO NOT KNOW how much the Insurance would be for XXXX as it was " TOO SOON '' or " TOO EARLY ''. 

Once they acquired the copy of Wells Fargo Home Mortgage 's Escrow in ACTUAL ( not Projected but ACTUAL ) ... XXXX XXXX  response? XXXX.! Report! Report! Report! They do not even know because it's too early ( mine is due in XXXX ), they will know about near-end of XXXX what I would be billed for. 

When I told them that Wells Fargo Home Mortgage KNEW the amount LAST YEAR in XX/XX/XXXX before they paid my actual XXXX bill in XXXX. 

To quote and unquote what XXXX XXXX  Supervisor said " HOW THE XXXX WOULD THEY KNOW WHAT THE BILL WOULD BE MORE THAN A YEAR AHEAD WHEN WE DO NOT EVEN HAVE IT IN OUR SYSTEM. '' You can see the PDF Format of actual escrow from Wells Fargo- please note the MONTH AND YEAR... an image is shown so you can see exactly what to look for.. it's not a " projected '' either- they have it as ACTUAL! 

Both of us have been demanding ANSWERS... and BOTH of us are getting nowhere with this illegal activity!
Consumer complaint received 2021-11-29
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. (CA)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Summit Financial Corp. (GA)

They garnished my wages starting in spring XXXX. I spoke to them and told them this was discharged in a bankruptcy. They stated they didnt care about that but they did negotiate to a lower amount. This continued to the end of XXXX. 

When I moved out of state and they began garnishment again in XX/XX/XXXX.
Consumer complaint received 2023-03-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX XXXX XXXX , Account XXXX XXXX Account name : XXXXXXXX, Account XXXX XXXX Account name : XXXX XXXX XXXX, Account 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 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion just sent a response to my second complaint, # XXXX, about their failure to provide my credit score. They have once again stated that I need to pay {$9.00} for the credit score. I paid them {$15.00} for the score in XXXX. They cashed the check. I overpaid what they are asking. I still have not gotten my credit score. No one is listening to a single detail being given here, and I will keep submitting complaints, daily if necessary, to get this simple correction made.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus XXXX, Transunion and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.