davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

On or about XX/XX/2022, I received a debt collection letter dated XX/XX/2022 from " COLLECTION BUREAU OF THE HUDSON VALLEY , INC. On XX/XX/2022 I responded to their debt collection letter disputing the debt and to validate the debt according the FDCPA provisions. I mailed the letter via USPS paid postage and have a copy of the USPS stamped paid postage. 'COLLECTION BUREAU OF THE HUDSON VALLEY XXXX hereinafter " CBHV '' never responded to my letter therefore is in violation of the Fair Debt Collection Practices Act and the FTC XXXX 
I am filing this complaint because they have violated my rights and have damaged my credit rating by falsely reporting a debt collection on all 3 credit bureaus.
Consumer complaint received 2022-07-18
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2022-08-21
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, Equifax has violated my rights, by reporting credit accounts on my credit profile that are against the FCRA Laws. 

XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please remove late paymentXXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove late payments 15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have a pdf file containing all correspondence. The pages below refer to that document. 
1- XX/XX/XXXX. Received a document from Convergent ( pages XXXX and XXXX ) saying I owed XXXX XXXX  {$100.00} 2XXXX XX/XX/XXXX. Replied to Convergent, emphasizing that I have not done any business with XXXX Bank, and asked about details ( page XXXX ). I also inquired by phone to the XXXX Bank about the account given. There was no such account in the bank. 
3- Convergent replied on XX/XX/XXXX ( page XXXX ). They sent some documents ( pages XXXX, XXXX, XXXX and XXXX ). The address of the account was given as XXXX, XXXX We never lived in XXXX XXXX XXXX XXXX showed the address as a wooded area, no building ( pages XXXX and XXXX ). 
4- XX/XX/XXXX I sent a letter to Convergent ( page XXXX ), emphasizing the wrong address, and gave some examples of XXXX XXXX that I found in XXXX . I specifically asked how they contacted me, from all the names and locations, this question was not answered. 
5- Convergent replied on XX/XX/XXXX ( page XXXX ), suggested that I go the XXXX XXXX  Web site, and complete an affidavit. I went to the suggested Web site to find an affidavit, but could not find it ( page XXXX ). 
6- I sent a letter to XXXX XXXX on XX/XX/XXXX ( page XXXX ). I emphasized that I never lived in Georgia, I did not have any business with the XXXX Bank, and asked for a remedy. 
7- XXXX XXXX  replied on XX/XX/XXXX ( page XXXX ) and they suggested an affidavit for ID theft. This is not ID theft, since the address is not correct, and therefore this is not me. They suggested obtaining the affidavit form from their Web site ( see XXXX above ). 
8- I assumed that the matter was closed. Then on XX/XX/XXXX I received another document from Convergent ( XXXX XXXX and XXXX ), very similar to the first XXXX. They said that I should dispute it by XX/XX/XXXX. 
9- I replied to Convergent with a letter on XX/XX/XXXX ( XXXX ), and with a filled slip ( pages XXXX and XXXX ), saying I will not pay. 
10- As if I did not send the letter and the slip, saying I will not pay, Convergent sent me another document on XX/XX/XXXX ( pages XXXX and XXXX ), saying " pay half ''.
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I have 2 negative accounts. on my credit report. One is USAA Savings Bank. Credit account amount for The XXXX XXXX XXXX XXXX. It was opened on XX/XX/XXXX to XXXX XXXX The balance is XXXX as of XX/XX/XXXX. It still shows open. I believe someone opened this account using my information In XXXX of XXXX. To open card because I never used this card. Please remove from my credit report. The other one is XXXX bank opened up XXXX of XXXX. The account number is XXXX ... .Closed on XXXX of XXXX It is showing Paid/closed on the report. The account number is It still shows open. Please remove this account from my report. 
Thanks, XXXX XXXX
Consumer complaint received 2022-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have 3 cases in XXXX Municipal Court - Small Claims where defendant received service on lawsuits at addresses I didn't reside at. I attempted to vacate the judgements but the court denied all 3 motions. I don't know what to do at this point.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (CA)

" FINANCIAL CREDIT NETWORK '' HAS FAILED TO RESPOND TO MY DEBT VALIDATION REQUEST THAT I MAILED ON ON XX/XX/10. IT HAS SURPASSED 30 DAYS WITHOUT ANY WRITTEN RESPONSE. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION FORM I PHYSCIALLY MAILED. FINANCIAL CREDIT NETWORK IS IN VIOLATION OF THE FCRA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY FROM MY CREDIT.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies has violated my consumer rights : XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Bank Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Card Acct # XXXX, 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. states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681i ( 5 ) ( b ) ( i ) states the certification of accuracy of information 15 U.S.C. 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1692i states debt collection companies have no legal obligation to collect on alleged debt. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

15 U.S.C 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

My time as a Citibank credit card customer has been marked by a lot of fraudulent transactions against the account. So much so, that I've changed account numbers three times so far. 

In XX/XX/2021, I notified Citibank that I'd discovered significant fraudulent charges to my account going back to XX/XX/XXXX of the same year. In XXXX, I discovered additional fraudulent charges, bringing the total to 193 total transactions between XX/XX/2021 and XX/XX/2021 totaling {$3500.00}. 

I have made repeated efforts to reach Citibank to get a status on my dispute and each time I get transferred to different departments, but have not managed to get anyone to give me a concrete answer as to where things stand and how long it will take to resolve my dispute. After almost three months since my report of the dispute, I have received two letters from Citibank stating they are continuing the " investigate '' the dispute. Thus far, accessing my account online, I see only a total of only 28 transactions aggregating to {$630.00} has been resolved. This represents only 15 % of the total disputed transactions and 18 % of their dollar amount. 

This has been a highly frustrating experience and one where I'm not getting timely resolution on my dispute. As I understand, the card issuer has, by regulation, a requirement to resolve disputes within two billing cycles. Citibank has not complied with this regulatory requirement.
Consumer complaint received 2022-07-18
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. (DE)

I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD and Regulators of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of XXXX XXXX XXXX/Consumer Financial Protection Bureau XXXX 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
XXXX XXXX XXXX adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with XXXX XXXX XXXX. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
XXXX XXXX XXXX representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the XXXX XXXX XXXX react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of XXXX XXXX  XXXX with a stellar payment history and never posed a risk to the institution or its operations?
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (IL)

On my credit report with FedLoan it shows I have XXXX accounts/ loans. 
My loans have been in forbearance and/ or a {$0.00} payment re-payment plan. 
My account shows that the loans were late but I never had a payment due because I didnt have a payment. 
I have spoken to FedLoan many times and they said that they can not undue the mistakes that someone else made on my account because they can not verify what that person said. But the fact of the matter is I never had a payment to make. 
I have requested that the three credit bureaus investigate the accounts many times but the accounts are never corrected and the late/ missed payment reporting still shows. 
Now that the account is closed I can not do anything. 
This information is hindering me from be able to securing funding and operate my business. 
In accordance to 15 U.S.C. 1681a 602a the information furnished and being reported is inaccurate and causing tremendous burden.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Concord Servicing Corporation (CA)

LAST YEAR WE ASKED XXXX XXXX XXXX TO CANCEL THE CONTRACT AS WE ARE IN OUR XXXX AND CANT TRAVEL ANY MORE. THEY CONTINUES TO SEND NOTICES AND TREATEN TO DESTROY OUR CREDIT. ENCLOSE IS COPPY OF DEMAND. PLEASE HELP XXXX XXXX
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (TX)

I sent a dispute letter to Equifax back in XXXX regarding these inquiries that I told them I dont recognize. I also filed a ftc report and they still ignored it, now this is hurting my chances of purchasing a home and causing me problems. All I ask is for these inquiries be deleted from my report. Not deleting these items are a violation of my rights and equifax are not following FCRA laws they are ignoring them. Please delete!
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Names : I am not XXXX XXXX or XXXX Addresses : I do not reside at XXXX XXXX XXXX XXXX Ga XXXX or at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX  or at XXXX XXXX XXXX XXXX # XXXX Ga XXXX I am disputing delinquent accounts 1 Trans Union 2 XXXX 3 XXXX I am disputing Derogatory accounts 5 Trans Union 4 XXXX 5 XXXX I am disputing public records 2 Trans Union 2 XXXX 2 XXXX I am disputing the company XXXX I am disputing XXXX XXXX XXXX XXXX  account I am disputing bankruptcy for the dates of the following : XXXX which the date is on my report twice XXXX also on my report three times XXXX XXXX they all were dismissed.
Consumer complaint received 2022-07-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (TX)

XXXX XXXX University did not properly request funds from the VA after confirming I provided the documentation needed. The VA stated they never received the request, the school pushed it to a debt collector who is harassing me. The school it at fault for not requesting the funds or stating they needed more information from the VA. 

Current Creditor Account Number ( Last 4 ) Balance XXXX XXXX XXXX XXXXXXXX {$3500.00} Consumer Information Williams & Fudge ID Williams & Fudge Pin Amount Due for Account ( s ) Listed XXXX XXXX {$3500.00} XXXX XXXX XXXX ( XXXX ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.
Consumer complaint received 2022-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (UT)

My name is XXXX XXXX ( XXXX name ), the widow of XXXX XXXX XXXX, who XXXX XXXXn the XXXX XXXX XXXX for XXXX years. He passed away on XX/XX/XXXX. Since his death and the world events that have taken place, it has not been easy to make ends meet. Ive been paying back on student loans since XX/XX/XXXX. 

Ive worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX. After that I worked for the XXXX  from XX/XX/XXXX until the end of XX/XX/XXXX and the XXXX  XXXX XXXX XXXX from XX/XX/XXXX until the end of XX/XX/XXXX. In all, this makes XXXX years and XXXX months of working for the XXXX  and well over the 120 payments required for the PSLF program. 

I was overjoyed with the news of extra relief that came with the PSLF program President Biden introduced. However, this joy got curtailed, after I was informed that the years, I worked for the XXXX  XXXX XXXX and paid on student loans before XX/XX/XXXX dont count. Of course, then I would not qualify for the 120 payments. Two years and 8 months working for the XXXX  and student loan repayment have been deemed arbitrary. 

Therefore, my request to make those two years and 8 months count towards the PSLF. They are bonafide. The evidence ( W2 and student loan repayment tax documents ) were submitted to the Department of Education
Consumer complaint received 2024-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I have a Visa Vanilla gift card with a balance of {$50.00}, I tried to use said card on XXXX XXXX XXXX, It will not work as it says the card was expired. The website says cards will not expire, I tried calling and was not able to sort it out.
Consumer complaint received 2022-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My separated wife took out a personal loan using my social, I never signed for nor spoke with any agent for this loan, never applied for this loan and never authorized this loan. Now they have blocked both myself and according to her, she is blocked as well. I need the loan disclosures to prove that this is in fact true and they have blocked anyone that can have access to this ; effectively stopping me from my ability to access my own information. Talk about lack of accountability and out right cover up!