davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MS)

I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, XXXX, and XXXX, and Lexis Nexis that  furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) Lexis Nexis and XXXX  is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT ''
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (IN)

I received a notification from my online reporting service that a collection was reported to my credit report, I contacted the collection agency and received information regarding the collection at which time I communicated the debt did not belong to me an it was unjustly placed on my credit report. I was given a number to XXXX who was the agency who sold account to XXXX XXXX. I called the number given to the XXXX fraud department after I completed the fraud packet I completed. I spoke with several different representatives who were overseas and informed me that I did not have the right to ask for proof of account and that I would need to speak with their attorney who was another representative and I was ridiculed and informed to fax my social security card, ID, bank statement, which I did. My first initial contact with both XXXX and XXXX XXXX, they did not have my SSN or DOB, just my name. I called XXXX back a few days later and was informed I did not need to send over that personal info and was asked if I was " stupid '' for doing so. I have tried feverishly to correct this negligent error and to add insult to injury, I now don't know if anyone is going to use my personal information.
Consumer complaint received 2018-09-27
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. (NY)

To Whom It May Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report.

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cohen McNeile & Pappas, PC (MO)

I received a garnishment against my social security XXXX from my banking institution, I applied for exempt from the debt due to the only income I have is from social security XXXX and the time frame to collect on the debt is pass the statue of limitation. The attorney initially denied the exempt. I went to court and the judge ruled in my favor that the debt was no longer collectable due to the statue of limitation and also allowed me the exempt on the debt due to my income only being from social security XXXX. The attorney refused to take the garnishment off of my bank account, which is causing me to accruing fees due to the fraudulent attempt of collecting.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2018 Submitted credit card application. 

XX/XX/2018 Application for credit denied. Email sent stating : We are writing to provide you with additional information regarding the decision to decline your recent application. 

Link included : https : //capitalone.XXXXcom. No letter or download available. 

XX/XX/2018 Sent screen shot of original email from Capitol One ; Screen shot showing no letter / document to explain decline of credit ; Screen shot of XXXX account with XXXX credit score. 

XX/XX/2018 Spoke with representative from Capitol One who stated would send a letter explaining denial of credit within 1 week. 

Capitol One has been unresponsive and still has not provided any explanation why I was denied credit. This has caused me severe distress. 

I believe Capitol One has discriminated against me due to my age ; or other improper reasons unknown to me.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am the owner of the phone number described in this complaint. I have been continually harassed by Portfolio Recovery Associates, Inc. 
Portfolio Recovery Associates, LLC ( PRA LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX www.portfoliorecovery.com I have written to them and told them many times during their harassing phone calls to stop calling. The use a number " spoofer '' to generate a new caller ID every call to evade attempts of the receiver to block their completely unwanted calls. I have kept a daily log of their activity, although it is challenging since they use a different caller ID each time. The number they are calling is a business number.
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (IL)

I filed a chapter & bankruptcy to legally discharge the supposed debt I have with XXXX XXXX XXXX XXXX XXXX. This was presented to me as a private loan through XXXX XXXX that could be used for college expenses or personal expenses not related to school. Obviously, not one dime of this money was used toward college or I wouldn't owe the federal government over {$80000.00} in student loans today. My credit report is showing this matter as having been closed ( see attachment ). I already paid over {$2000.00} to XXXX, XXXX XXXX XXXX after the bankruptcy because I was unaware that they had no right to further collect on a discharged debt nor could I afford an attorney at that time. My current attorney sent a letter to them last year which subsequently led to the debt being removed from my credit report as closed. I was served with suit papers with a court appearance scheduled for XX/XX/2018 in XXXX XXXX court by XXXX XXXX XXXX the latest law firm to take over these collection practices. They had attempted collection last XXXX via mail and I replied via email that this debt was legally discharged via Chapter XXXX and brought up the lawsuit by Consumer Financial Protection Bureau against XXXX that stated collection could not be pursued while the audit of over 800,000 records was in process.
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roosen, Varchetti & Olivier, PLLC (GA)

A company claiming to be a law firm has contacted me about a debt they say I owe. I do not recall having a debt with them or any company them claim to represent. I have requested information from this company and I'm awaiting there response. Also, I have issued a cease and desist order against the company. 

A demand for a Certificate of Assessment, Cease & Desist, and a Debt Disclosure was send to ROOSEN VARCHETTI & OLIVIER XXXX Also, ROOSEN VARCHETTI & OLIVIER XXXX was sent a debt disclosure regarding the alleged accounts. The demand for documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

ROOSEN VARCHETTI & OLIVIER XXXX is indicating that an account with the account number XXXX and / or XXXX is an account that belongs to me. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ROOSEN VARCHETTI & OLIVIER as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ ROOSEN VARCHETTI & OLIVIER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to ROOSEN VARCHETTI & OLIVIER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2024-11-14
Product: Credit reporting 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. (KS)

Unauthorized hard inquiries have appeared on my report, which violates 15 USC 1681b ( c ) ( 2 ). This is damaging my credit score. Kindly remove these entries.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NY)

I filed a complaint against TD BANK on XX/XX/2018. # XXXX The Bank reversed 2 overdraft fees total XXXX. I go on my online banking this morning and much to my surprise the bank reversed my provisional credit to make my account once again in the negative of XXXX. It is Retaliation about the complaint I filed with The Consumer Financial Protection Bureau. I made a Purchase online and it had to be returned I called the bank and started a dispute I than heard from the company through a bad review I had left and called the bank and told them I will receive credit back from the company, I received a letter from the bank disputes and fraud dept I faxed all paperwork back to them telling them the company never paid for returning this set and its 80 pounds i just cant move it. The bank said I will hear in writing about the decision. This morning without notification TD Bank reversed the credit and caused my account to be once again in the negative. I HAVE NO GAS, NOR MONEY TO GET TO WORK. WHEN ARE THEY GOING TO STOP THERE SHERADES. THIS IS ALL RETALIATION. Isnt coincidental that this happened the day after the complaint was filed?
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/XXXX received a stipend check from the University I attend in the form of a Pell Grant. I brought it to Wells Fargo branch in XXXX XXXX Florida. My original intention was to cash the check however they wanted to hold it for 2 to 3 days and not allow me access to any of the funds until it was processed. I told the bank teller not to process the check and to give me the check back so I could bring it somewhere else. The bank teller showed me the computer screen that it said stop payment on my check and he gave me back the check. After I had went to another place to cash it I brought back the cash to Wells Fargo and deposited cash into my checking account. Now on XX/XX/XXXX I checked my bank account and I was negative - {$540.00} in my checking account. The bank said because of the teller error I was now responsible for the - $ XXXXand even though they realize they made an error at the bank and process the check without my consent I am still responsible for the money. They took all of my money out of my bank account and left me with {$0.00} in my savings account. I need some type of resolution hear the bank at Wells Fargo offered me no help. I should not be held responsible for a bank error and especially when I made it very clear not to process the check and Wells Fargo did it anyway. I understand that they added additional funds to my account and those funds were used however I had a substantial amount of money in my account at that time, I was not looking at my account every day to see how much I had. If those funds were never put into my account like I wanted and made very clear that I did not want it to be processed through Wells Fargo then I wouldn't be in this predicament. Wells Fargo is taking zero responsibility for the error they made. I have very little money as it is and for me to pay back something over {$500.00} is very serious for me. I've been a customer of Wells Fargo since XXXX and I've never done anything wrong with my account or had my account Falls so low into the negatives. I think that should at least be taken into consideration also. Now that they took all of my money I am at risk of being homeless because I can't pay my rent. They left me flat broke because of an error they made. I need some type of resolution. I was given a case number from Wells Fargo if that helps at all. It is XXXX
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CT)

Opened Td Bank Premier Checking account XX/XX/XXXX using link that advertised {$300.00} bonus. Followed all terms and didnt receive bonus. Contacted customer service on XX/XX/XXXX and they said I should receive the deposit by XX/XX/XXXX. Did not receive. Called customer service and was told they would look into it. Had to call multiple times and was first told I would have been only able to signup with a flyer ( false ). Then told I didnt sign up during a signup period ( which is false ). Every time I talked to someone I got a different reason why. On a side note, my boyfriend and I signed up at the exact same time using the same generic XXXX link and he received his bonus no problem.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

On a daily basis I am called by XXXX XXXX ( XXXX XXXX ) although they have been notified that I am with a settlement program to resolve my debt with them. They have started to leave the same messages on my husbands cell phone, my husband is not an authorized user on this card and never supplied his number regarding this account. 
The transcribed message is as follows : XXXX ( XXXX ) XXXX XX/XX/2018 at XXXX This is XXXX from XXXX XXXX in regards to XXXX XXXX, at this point my office has assumed that you are ignoring this matter and that you have no intent to provide a voluntary resolution so now I do need to speak with you or with your attorney no later than XXXX on Saturday XX/XX/XXXX so that way we can discuss the situation and come up with a solution. If I do not receive a call by Saturday then I am going to assume that you are not interested in options that I do have and that you were no longer handling any business herewith us my number is XXXX and my extension is XXXX. 
*These threatening calls are daily on both my husband and my phone. XXXX XXXX has been notified for several months that i am in a debt settlement and received notice that the debt settlement company has been given authority to deal with them on my behalf.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (TX)

On XX/XX/2018, a call was placed to XXXX XXXX XXXX XXXX at ph # XXXX at XXXXXXXX XXXX central standard time. The bank agent told me electronic checks ( ending account # XXXX ) and credit card ( XXXX ) come be done by phone and she gave routing and account number for transaction. Yesterday, I received a call from ( XXXX XXXX XXXX which manages -XXXX  XXXX XXXX ) that the check was insufficient and ask if I could do a credit card payment. XXXXXXXX XXXX  continued to do the transaction by visa 123 credit card own by XXXXXXXX XXXX  XXXX only be declined. XXXX XXXX called me once again and told me about the declined transaction and advised me to proceed to XXXX using their account number ( ending in XXXX ) and Id ( XXXX ). While XXXX XXXX Rep was ( XXXX called from XXXX at XXXX, I was able to view their app on line ( XXXX-power by XXXX ) per the app showed XXXX charged me an INSUFFICANT of {$50.00}. I told XXXX, insufficient is no money in the account that is false and misleading information and therefore, per the bank the pay address was incorrect when XXXX XXXX XXXX the payment and credit card transaction. XXXX advised me that It would be corrected for the NSF charge tomorrow but, she could not do it today because she had to leave the office immediately but, to get to XXXX to avoid the late payment charge on the tomorrow. I proceed to go to XXXX location on XXXX XXXX XXXX XXXX, Texas ph # XXXX the XXXX agent tried three times to process the account number given by XXXX XXXX ( XXXX XXXX XXXX ) Per XXXX I am not listed as a resident in their system and payment could not be processed. I proceed to get a money order for ( XXXX XXXX XXXX which state they don't take money order anymore as of four months ago and payments can only be made through their ( ENTRA XXXX   app or XXXX ) neither worked I sent an email and left a message about the related issues to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I then called US Bank to find the reason behind the errors spoke with supervisor XXXX and he advised that his agent made a mistake because they don't do electronic checks only deposits. I told XXXX they owe me for the {$50.00} insufficient fee and he stated, " Sorry -the bank is not set up to pay for errors on our part! He stated, You address was incorrect that is why your credit card payment didn't go through. I told XXXX ( agent # XXXX ) my account had my new address on file what is going on. He stated, I can get that address update! This is FRAUD! So, both XXXX and US Bank proceed to defraud customers
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Critical Resolution Mediation LLC (MS)

I asked if collector could call me outside of work hrs but she insisted on sending legal papers to my house and job. Then hung up on me while on my cellphone and proceeded to call my job and asked who is this, saying " oh this is her '' " we have your driver 's license '' and then hung up again.