davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

To Portfolio Recovery Associates , LLC, on your response dated XX/XX/XXXX You have failed to respond to items in questions account ending in XXXX inaccurate Where show proof of your company inconsistency reporting inaccurate information on my credit file harming file for years. 

You have evade to respond to items in question In regards to account ending in XXXX purchase by you to XXXX, XXXX I deny account XXXX in XXXX., account not mines and never was mines. 
I did not authorized account Be advise that I was not properly notified about Court Proceedings as you claimed on your response dated XX/XX/XXXX, because I was never served You are wrong as well as your information. 

XXXX copy of your response dated XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. PRA purchased the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA placed the account ending in XXXX with our Litigation Department on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings.

I was never served on this account, you are wrong court shows that I was never served I have proof you wrong.

We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account which were similar to the dispute you made in this complaint. In response to one of those disputes, we sent
you the attached letter containing validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time. 

You are informed on XX/XX/XXXX I was never served on XXXXXXXX XXXX XXXX in XXXX and account not mines, Please send me a cancelation letter for XXXXXXXX XXXX  XXXX Ending in XXXX. 



Send me the cancellation letter via Consumer Financial Protection Bureau for my security. 

Within 7 business days. 



Thank you XXXX XXXX
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (WI)

I received a debt collection letter and I have been trying to dispute and I am unable to get ahold back anyone with the optimum outcomes company to dispute like the letter states. The deadline to dispute was XX/XX/2023 and unsuccessfully been able to dispute. Today is XX/XX/2023. I would like leniency with the date to dispute and someone to contact me in regards to get this taken care of. Reference # XXXX. 
Collection for XXXX XXXX who has passed away XXXX XXXX. There was no bill sent by the company for the bill.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OH)

I realized after a while that my credit score was not accurate as a result of Elan financial services failing to report my actual account balance for a long while. I reached out to then via secure message but they dismissed my concerns saying that the information they reported is accurate. I even disputed the innacurate information they have about my card balance with both transunion and XXXX but they still refused to provide them with the accurate information. I was looking to apply for a mortgage loan but the two condos sold within a period of 4 weeks while I waited and waited for Elan financial services to do due diligence but it was to no avail. I do not know what to do now since my lease expires soon and the apartment office is pressuring me to give them an answer or will automatically renew my lease for another 12 months with penalties if I break the extended lease afterwards. 
Elan financial services has not reported to transunion since XX/XX/2023. 
They told XXXX my balance is over my credit limit at 102 % ( thus, {$8100.00} out of {$8000.00} ) the last time I disputed. 
XXXX has since sent me a denial letter stating the I formation is accurate and current although it is clear as day that they have no report from Elan Financial services for a while. 
My credit card utilization is now high due to the inaccurate information reported by XXXX and transunion as a result of Elan financial services failure to report my account status since XX/XX/. 
Please help me or my credit will not be at the point I need to avoid an unreasonably high borrowing interest rate given the current housing market issues. They have already cost me two opportunities.
Consumer complaint received 2023-06-26
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. (MO)

XXXX XXXX XXXX ( XXXX ) gave false information about the federal bankruptcy court in their response to a previous complaint. In their response they state, that the federal bankruptcy court is the " furnisher '' of the bankruptcy information. The federal bankruptcy website, the court states that " The US Bankruptcy court does not report to, nor verify information reported to, any credit reporting agency. Therefore, the court is not a " furnisher '', or provider '' of information as defined by the fair credit reporting act. As such, the court plays no role in the correction of inaccurate information contained in credit reports. On the consumer financial protection bureau website, it states in 'furnishers obligations for consumer credit information under the CARES act, FCRA , and ECOA ', that regulation V defines a furnisher as " an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. Due to the fact that the courts do not furnish information, the information XXXX has obtained does NOT meet the FCRA requirements. Transunion states that XXXX is the " 3rd party '' company that verifies the bankruptcy.
Consumer complaint received 2023-03-30
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. (TX)

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I need the following items removed off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXX Unpaid Balance {$120.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Consumer complaint received 2022-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

After discovering this debt with TD Bank XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022, I received an email that a bank of america checking account had been opened using my old BofA account from multiple years ago. I was able to get logged into the account and change my password. No money had been moved anywhere and none of my information was changed. But I did not consent for this account to be opened. I am currently on hold with their fraud department.
Consumer complaint received 2023-03-30
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)

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 All 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MO)

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 2022-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, I was hacked by a XXXX XXXX with loud ringing on my computer. 
I was told to phone a certain phone number to help me. 

They had me transfer {$990.00} from XXXX to a XXXX XXXX to see if it was working from Bank of America. My daughter told me about the scams going on with XXXX and the next day, I contacted XXXX to cancel it. They told me to contact B of A. 
B of A said I should contact XXXX. 
Placed a claim with B of A & was refused, suggesting I contact the scammer to get my money back. 
I have been a B of A customer for XXXX  years
Consumer complaint received 2022-10-15
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. (SC)

In accordance with fair credit reporting XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 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 2023-03-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Outsource Group, Inc (MO)

Medicredit is a 3rd party debt collector and therefore falls under the Debt Collections Practices Act. They called me and left a message in my voicemail, which is easily accessed by the people in my life who are not my spouse, and stated that the communication was from a debt collector and who they were collecting for, not knowing who might hear the message besides me, so they violated my right to privacy regarding my debt.
Consumer complaint received 2022-12-07
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: CREDIT ACCEPTANCE CORPORATION (NJ)

In accordance with the fair credit reporting Credit acceptance corp 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 an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a Credit line account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I was sick and I missed 2 payments on my loan and with my financial hardship during Covid. I applied for the mortgage assistance program with the Georgia Department of communities Affairs as advised by Select Portfolio. They have start processing my application and I am still waiting because the process may take another 6 to 7 weeks to complete. I called SPS in order for them to enroll me in a forbearance until this process is complete with all my efforts they are refusing and treating to send my home for foreclosure initiation on the XXXX of XXXX XXXX.They are offering a payment plan, but I can not afford it right now because I start working just about 2 weeks now.
Consumer complaint received 2023-01-10
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. (CA)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

I continue to receive unfounded charges without any explanation on a card I closed and destroyed with documented proof of the closure ( Comenity Bank, XXXX XXXX ). Bread Financial/Comenity bank is unreachable at their customer service line and by their secure message center, saying messages are undeliverable, and yet they continue to send bills and late fees despite account closure and the account no longer even being active. 

I have a detailed record of closing this account after paying my final bill and receiving a refund I was owed by the company. Comenity continues to harass me, even upon closing the account and after I received my credit refund from them, which was the last thing that needed to happen before I closed the account. The company continues to harass me with a new charge of {$380.00} without stating what it is for and when it was made. The account was closed at the time they continued to send me charges, harassing me for payment. Upon account closure, I properly destroyed the card and had no automatic payments set up whatsoever to this card. The unfounded and unprecedented charge is for {$380.00} and NOWHERE on the bill tells me what it is for. AGAIN, this was sent to me after I had closed the account. 

I have written a handwritten letter disputing this charge, which they acknowledged by sending a letter back saying they were looking into it on XX/XX/2022, and yet I still receive bills requesting payment. I continue to be harassed by Comenity, receiving a most recent LATE FEE after not paying what is an UNFOUNDED charge. It is IMPOSSIBLE to reach customer service, and I am completely fed up with this creditor and find Comenity a CREDIT PREDATOR in every sense of the term. I have yet to receive a satisfactory response to my dispute and complaint and I have written documentation of closing the account after making my final payment of {$1000.00} on XX/XX/2022. 

I fear that this is going to eventually work against my high credit score which I have worked hard on if I continue to refuse payment. I also do not want to accrue any more late charges on this unfounded and predatory payment. Comenity is unreachable at their customer service line of XXXX, and in the times I have managed to stay on the line waiting for support for HOURS PLUS, they do not help and hang up on you. Secure messages are not being sent and I have documented proof of my attempts as well. They need to be shut down. I am happy to speak further about this case and need support as soon as possible. I am so grateful for your help. Thank you.
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (NM)

XXXX-Called company about a recent was instructed to send my phone number to a specific email-no response XXXXwas sent an automatic reply with instructions on how to email a request for recastsubmitted recast according to the instructions.-no response. 

XXXXsent email asking for an update-no response. Called and inquired and was asked to submit a request in writing. 

XXXXletter send to recast office.-no response. Called again and was told I will receive a letter in the mail in 30 days. 

XXXXNo letter as of todays date.
Consumer complaint received 2022-12-07
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.