davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (VA)

In XXXX of 2020 I checked my credit report and found a handful of collection accounts that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to American Collections on behalf of XXXX XXXX XXXX that same day. To date I have not received a response from the company saying that an investigation was going to be done into the matter. I have never received any update or validation into this erroneous accounts. Instead, it remained on my credit reports and continues to lower my credit scores. I have sent a follow up validation bimonthly since XX/XX/2020 I sent a following up requests into this matter directly to American Collections. I let them know that it had been over 2 years since my initial request for validation and advised them that they had violated my consumer rights by not having these accounts removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. I have even sent account validations requests directly to the credit bureaus and they are advising me that American Collections has verified these accounts as legit. I am requesting for these accounts to be removed from all 3 of my credit profiles immediately.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (MD)

On XX/XX/2022 I received an app notification from Discover bank that there was an issue with my account and to call them. We waited on hold for over 10 minutes with the number they provided and when we spoke to an associate they transferred us to the fraud department. We were hung up on. We did this two more times before getting the direct number. When we called the fraud department we waited over an hour to talk to a representative. The rep told us that our account had been closed due to a " business '' decision and no other information was provided. They would not tell us when our money would be released, or how we would get it, they repeated over and over again that they'd have a supervisor call us. We called back later that night and the wait was over an hour and 20 minutes. This agent ( XXXX XXXX told us that it would take 60-90 days and refused to answer any other questions. He also said a supervisor would call back, but that never happened. It's been over 48 hours.

They did tell me in the course of this conversation that they had canceled the wire transfer to my landlord ( the same one I make on or around the 1st of each month to the same person, at a local, XXXX XXXX  ).

We made no unexpected purchases, we did not deposit any money from bitcoin or other cryptocurrencies. We do not have a history of bounced checks. We had one transaction fail because my deposit was delayed by a day due to memorial day and it was able to go through the next day. 

All but {$200.00} of our money was in this account and they prevented us from paying for rent, our utilities, and basic necessities like gas and groceries. We had to get money from our family to be able to make ends meet, with no information on why they did this. If we did not have that financial support, we would be at risk for homelessness. It is inconceivable that Discover should be allowed to do this. 

I made a public XXXX and XXXX post and users are commenting that they experienced the same thing this weekend. Either Discover was compromised and this is their solution, or their fraud automation is broken. Whatever the reason, they have put immense burdens on their consumers who are already feeling the deep pains of inflation and gas hikes.
Consumer complaint received 2022-06-06
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: BUSEY BANK (IL)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-08
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: Avant Holding Company, Inc. (CO)

On XX/XX/2022, someone fraudulently opened a credit card account in my name, using my social security number, at Avant LLC / webbank. I was alerted of a hard pull on my credit file by a credit monitoring service and contacted Avant that same day to report the fraud. On the telephone with an Avant representative, I was assured that the account would be frozen or closed ; however, on XX/XX/2022, I received an email notice from Avant that the fraudulent account had been approved and a credit card had been issued to the person ( s ) that fraudulently used my information to open the account. I have since frozen my credit report at all three of the major credit bureaus and I have engaged the services of XXXX XXXX to monitor my identity. However, I would like this account closed and the associated credit check removed from my records. 

In addition to the notification that Avant opened the fraudulent account, they shifted the burden of proving that the account was fraudulent to me and required that I submit to them an affidavit attesting to the identity theft. I provided this affidavit and the associated XXXX complaint to Avant on XX/XX/2022. Avant has not responded to multiple inquiries that I have made in connection with this matter ; to my knowledge, the account remains open ; the fraudulent hard pull remains on my XXXX report. 

I have already spent a fair amount of time and money on this matter ( including the subscription to XXXX XXXX ), and would like to know that the account has been closed and that I will not be liable for any charges that Avant approved on that account -- again, an account that I informed them had been fraudulently opened the SAME DAY that it was opened. More than a month later, I have heard nothing from Avant, and nothing appears to have been done.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of XXXX is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # XXXX, XXXX need for information with the rights of individuals to privacy. 
The Privacy Act of XXXX XXXX Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # XXXX ; XXXX record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Consumer complaint received 2024-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (DE)

Had an two accounts with XXXX XXXX XXXX and had services preformed. Work was never completed to specification and then was billed for work completed on the incorrect account. Had a credit for {$2200.00} and was billed {$1700.00}. XXXX failed to apply the credit and failed to issue any refund of overpayments. They then turned the debt over to Bay Area Receivables, ( XXXX XXXX ) and has been attempting to collect from me and has damaged my credit rating. I have attempted to contact the vendor on several occasions and have had no resolution in over 8 years. To make matters worse Bay Area Receivables does not even list the correct date for the Balance and claims this debt is valid and new. Even after a dispute was issued no response and has refused to get me contact information for the original creditor. They have received the documentation showing the credit on my account that was never applied.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am reaching out to discuss a reinsertion issue with Equifax. I disputed a XXXX Collections account on my consumer report due to it being inaccurate information and fraudulent because my information was shared without my consent. The account was deleted. I received a report from Equifax recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Equifax is the only consumer reporting agency that has inaccurate information pertaining to this account. I have attached proper documentation for you to assess yourself. Per 15 USC 1681i, Equifax must report 100 % maximum possible accuracy. This is not accurate. Please delete these accounts.
Consumer complaint received 2023-03-07
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, My name is XXXX XXXX in which I am reaching out to the CFPB pertaining to Transunion in not providing information found to validate debt in which a fraudulent account was opened in my name and charges were made on the credit card. The Credit Card company is XXXX XXXX XXXX  in which there were no payments made and immediately charged off. It took Transunion over 30 days to respond to my complaint under file # XXXX and I have been dealing with issues with transunion dating back to XXXX. Then I asked the bureau to send me validation of this debt from the company and how did they verify this information with their investigated procedures and they failed to disclose or respond and just stated that the account is verified as accurate. Which I 100 % know is falsified as this fraudulent account was removed from the other two credit bureaus Transunion just neglected to research this and this is substantially harming my credit and is inaccurate.
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OK)

Iv had a fraudulent credit card account pop up from a company called Comenity Bank. I called them numerous times to dispute the debt and filed police reports and ftc reports on it. Comenity only laughs and calls me a liar. They won't remove this fake debt off my credit report. It needs removed. Iv never used this company.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I purchased an original ticket on XX/XX/XXXX, for travel in XXXX XXXX, for a fare of {$980.00}. This travel was canceled due to covid and not allowing to travel. 
I re-booked my fare on XX/XX/XXXX, to travel in XX/XX/XXXX, and return in XX/XX/XXXX for an additional {$190.00}. On XX/XX/XXXX, the return date was changed from XX/XX/XXXX, the return date to XX/XX/XXXX for only {$28.00} because I was sick with XXXX and was not allowed to travel by the country 's government. I have the receipt where I only agree to pay {$28.00} for changing and upgrading my flight. 

After arriving on XX/XX/XXXX, a few days later, my credit card bill for XXXX was changed from {$28.00} to {$2400.00}, which I never approved or got a receipt for {$2400.00}. On XX/XX/XXXX, I called XXXX and filed for refunds : PASSENGER : XXXX TICKET ( XXXX ) : XXXX REQUEST XXXX United refunds I sent a request for a full refund of almost {$2500.00} that was wrongfully charged on my credit card. The united Refunds department denied my request, which is entirely unfair and unacceptable. I am a XXXX and XXXX XXXX XXXX and I can barely feed myself. I do not have {$2400.00} and never in my life agreed to pay that amount when I changed my flight ticket. I only agreed to pay {$28.00} ( see receipt attached ) and never saw the receipt for almost {$2500.00} until the day I filed a refund request when one of the employees on the phone emailed me on XX/XX/XXXX. This is unacceptable as I suffer from XXXX, and I wasn't allowed to travel. This travel delay also caused me to fall behind in my course works, and I was at the edge of quitting graduate school. I am asking you to please help me get my money back as I went through a difficult time paying almost {$2500.00}.
Consumer complaint received 2022-06-06
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX # XXXXXX/XX/XXXX # XXXX These accounts have violated my rights to privacy.
Consumer complaint received 2022-10-12
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)

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 : experian # XXXX has violated my rights. 
XXXX BANK XXXX XXXX XXXX XXXXWhat 's this? 
Balance {$610.00} Updated on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  name LATE PAYMENT Balance {$360.00} Updated on XX/XX/2022 XXXX XXXX XXXX name LATE PAYMENT Balance {$0.00} Updated on XX/XX/2022 XXXX BANK XXXX XXXX card name Balance {$320.00} Updated on XX/XX/2022 XXXX XXXX XXXX name Balance {$290.00} Updated on XX/XX/2022 XXXX XXXX card name LATE PAYMENT Balance {$680.00} Updated on XX/XX/2022 XXXX XXXX XXXX  Link card name LATE PAYMENT XXXX {$310.00} Updated on XX/XX/2022 XXXX 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 2022-06-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (NY)

Dear Official : I am the victim of a paired instance of criminal XXXX and identity theft, which was visited on me by the following entity. whose identifying information and other last known data are enumerated, severally : XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... .... Last known drivers license PA XXXX Date of Birth of XXXX XXXX ... ... ... .. Born XX/XX/XXXX Last known address for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... XXXX XXXX XXXX XXXX, XXXX PA XXXX United States Last known occupation for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... ..Reverend/Minister of Religion The act of identity theft was placed on my person by XXXX XXXX, a former Reverend of a former church in linked state of his former domicile address, in the area of XXXX Pennsylvania. Further note, the mode of operation for XXXX XXXX, was the unauthorised removal of a naturalization certificate ( U.S ), which attests to my privileges and protections as a United States Citizen.

Currently, this document and the whereabouts is critically required, as there are other attempts and actual instances of fraudulent credit card charges being made in my name. As proof a current creditor keeps sending mail to my daughters adress, an address which is not my home. Information for the creditor who it appears is making arbitrary attempts on my financial strength is enumerated severally : " ... .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Current Creditor LVNV Funding LLC Original Creditor XXXX XXXX XXXX XXXX XXXX 
Account Number -- -- -- -- XXXX Charge off Date XX/XX/XXXX Amount Due as Of Charge off -- -- -- {$690.00} Date first delinquent -- -- -- -- XX/XX/XXXX Other information linked to XXXX XXXX XXXX XXXX We have a limited amount of time before the above referenced account is recalled from us and reviewed by a current creditor for placement with a law firm. As of the date of this letter, you owe the outstanding balance of {$690.00}. If you pay {$690.00}, the above referenced account will be considered paid in full ... ... ..... 


XXXX XXXX Account Manager XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... '' Further Comments from complaining consumer below - I am disturbed that in the wake of my report to the Police in the state where the crime took place, that the perpetrator XXXX XXXX, is able to use my identity as he apparently has been doing. Therefore, if the need is there for the involvement of constabulary intervention, please freely do so, as my health and other forms of safety are being impacted. 

Finally, thanks for considering all complaints and all the solutions your office and teams have presented to date.