davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J&D Recovery, Inc. (NY)

XXXX XXXX of J & D Recovery , Inc contacted my office regarding an outstanding invoice with a New York based company, XXXX  XXXX XXXX XXXX. I requested that XXXX XXXX send me an email with written notification of the debt, as my company had paid the invoice the previous year. XXXX XXXX sent me an email but did not include notification of the debt, nor the outstanding invoice in question. I responded to XXXX XXXX 's email with information that the check we had sent the previous year had not cleared, that I had stopped payment and reissued the check, and gave the date upon which it was sent. I then requested that his company stop contacting us. Over the following three weeks, XXXX XXXX has made phone calls to my office that exceeded ten phone calls per day. He has repeatedly used abusive and harassing language when he has spoken with myself and my colleagues.
Consumer complaint received 2023-07-08
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: Stellantis Financial Services US Corp. (GA)

In accordance with the Fair Credit Reporting Act, FIRST INV SERVICING CO FIRST INVESTORS SERVICING CO7, 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. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that FIRST INVESTORS SERVICING INC has reported this account as a charge-off and that First INVESTORS was obligated to send me a 1099C form. I have called First Investors Servicing Co and have written them several times to no avail Has this company sent me this documentation?
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

XXXX  XXXX XXXX became aware of several unauthorized charges. I spoke directly with a Discover employee and explained why charge with XXXX XXXX, of XXXX was not authorized. The employee told me he would not investigate the dispute after one letter from XXXX XXXX of XXXX which contained fraudulent documents which Discover was aware of last XXXX has not disputed nor followed its Cardholder Member Agreement. I filed a prior Complaint with your Agency and the Discover reply was not factual accurate and did not include detailed letters I submitted to Discover which did not lead to a Discover fraud and security investigation and should have. I discussed this with an XXXX at Discover as I had always made the required minimum payment, but recently wrote him to suggest my minimum payment be placed in escrow as the minimum payment pursuant to the Cardholder Agreement is 2 % of the account balance, which is inaccurate because of the {$3600.00} unauthorized purchase at XXXX XXXX of XXXX. Rather than the Discover XXXX reply to my suggestion that we put my minimum monthly payment in escrow, as every other payment had been made timely, Discover arbitrarily and capriciously reported my account as derogatory to the Credit Reporting Agencies. Also the Customer Agreement with Discover provides for a procedure for " Your Rights If You Are Dissatisfied With your Credit Card Purchase '' providing I may have the right not to pay the remaining amount due on the purchase. I discussed this with the XXXX at Discover, XXXX XXXX, as he had previously told me Discover had a third party agency to handle these matters when Discover Card Holders are not happy with their purchase. I told him I was not happy with the purchase of the XXXX XXXX XXXX made at XXXX XXXX XXXX XXXX on XX/XX/XXXX, attempted to work it out with the merchant and was not successful. XXXX XXXX told me on XX/XX/XXXX Discover no longer has this policy, and stopped it in XXXX. I have only been a Discover XXXX XXXX since XXXX and my Customer XXXX clearly states the policy, so he was dishonest with me. Further, for no basis whatsoever Discover refused to reissue me a replacement card, after their were unauthorized purchases, which Discover investigated and agreed with me they were all, but the XXXX with XXXX XXXX not authorized. The XXXX XXXX XXXX, even wrote me a personal letter telling me his opinion I was a Cardholder in good standing with Discover. In fact many employees of the Discover Fraud and Security Staff directly told me their opinion my Cardholder status should not be restricted, and I even received a letter from Discover after this telling me I was going to be receiving a new card which I could activate and use as I had available monies on my Credit Limit with Discover. I received the Card but could never activate it.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I went to file my 2020 taxes and it was already filled fraudulently. I reported all information to the irs and now Im following up with your business per IRS. I have disputed all collections that I have no knowledge of.
Consumer complaint received 2018-08-11
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: Navient Solutions, LLC. (MA)

I have 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

I opened a new checking and saving account with my name only on XX/XX/2023 at a local branch in XXXX, MD. I used Citi Banks Global Transfer to fund my new account from my joint account with husband, changed my bills over to my new checking account, paid a credit card bill, and XXXX my daughter her allowance. On XX/XX/XXXX, I went to use my debit card, it was declined, so I went to log on to my Citi Bank account on line and was not able to log in. I called the help desk and after verification process they told me that I had to speak with the fraud department. I called the fraud department and they told me that my accounts were closed due to suspicious fraudulent activities which they were not able to tell me and said that a letter was in the mail with the reason. On XXXX, my husband and I went to the local branch and the banker called multiple people also, but she was told the same thing, that we would receive a letter as to why the account was closed and that we would receive our money in XXXX. Then the next day I received an email stating : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 
They did not only close my account, but they also closed my joint account with my husband. Our joint account is used for all bills and daily living expenses. My joint account also has my quarterly and half year tax payments that are due on XX/XX/XXXX. We do not have access to any of our money and have no clue what we did wrong to cause this issue. 
At this point in time we are struggling to pay for groceries, gas, and bills. They have indicated that we would receive our money within the next XXXX after the account is closed by the bank. We cant see the activities on the accounts, have no clue what bills has been paid, or what they are doing with our money. They say that they will send us a check for what is in the account, but how are we to know if they took money out of the account or refund us the actual amount that they owe us. They are saying that it will take up to 60 days for them to process the payment. Im not sure how we are supposed to live, eat, or travel as planned.
Consumer complaint received 2023-07-11
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. (FL)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, Equifax and XXXX  are reporting things against me they can not substantiate. 
What can I do?
Consumer complaint received 2023-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2023-07-11
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. (SC)

Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. And I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and did not give Equifax my written permission to furnish any of the accounts below and Equifax should NOT be reporting my transactions or experiences with any of the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Violation # 1 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Violation # 2 15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Violation # 3 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2015-09-06
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

I sent money thru western union on XXXX/XXXX/15 amounting to {$2700.00} for emergency surgery of my sister and was told that the fund will be readily available. My sister tried to get the money on XXXX authorized western union office in the XXXX XXXX such as XXXX and XXXX but was told that the money is not available and they do n't have enough funds asked to come back on XXXX/XXXX/15 which is 5 days after the money was sent, she as also advised by the XXXX agent to leave the claim form without the money being released which sounded kinda fraudulent. I called the customer service here in the US but agent is not helpful and incompetent to handle the issue, i submitted a complaint to western union website but up to this time i have n't received any form of follow up from them. Pls help me resolve this issue.
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC (TX)

I am writing to address the ongoing matter regarding an alleged debt that your collection agency is pursuing on behalf of XXXX XXXX XXXX. I recently received a communication from your agency dated on XX/XX/2023 but I received on XX/XX/2023, which claimed that I owe a debt in the amount of {$180.00} to XXXX XXXX XXXX. However, I have several concerns regarding this debt, which I would like to bring to your attention. 
First and foremost, the name associated with the alleged debt is not my name. It is essential to note that I have never entered into any contractual agreement or financial arrangement under the name mentioned in your correspondence. Therefore, I request that you provide proper verification and documentation to establish the accuracy and legitimacy of the debt in question. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically section 15 USC 1692G, I am entitled to receive this information upon my request.

Furthermore, I must emphasize that I have not received the complete medical bill from the healthcare provider involved. The bill lacks essential information, including the medical coding, place of service address, and Tax ID number, which are necessary for my insurance company to process the bill appropriately. I have been actively pursuing the complete and accurate documentation from the healthcare provider but have yet to receive it. Consequently, any attempts to collect on this debt are unwarranted and erroneous. I kindly request that you thoroughly investigate and verify this information on your end before proceeding with any further collection activities. 
I would like to remind you of your obligations as a debt collector under the FDCPA. Section 809 ( b ) of the FDCPA states that, upon receiving a written request for validation of the debt, you must cease all collection efforts until you provide the requested verification and documentation. Failure to comply with this requirement may result in potential legal consequences.
Consumer complaint received 2018-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (IN)

XXXX XXXX, I have made multiple attempts to contact you and discuss this concern to no avail. The person identified as " XXXX '' states he is the highest managerial representative that I can speak with. He further more stated that any additional communications to reach you must be done via written letter. This is a reflection of the unprofessionalism I have spoken about previously. XXXX states that I enjoy antagonizing him and his call center representatives due to the amount of times I have called requesting to speak with you. The disrespect and indignation from XXXX or any other of the call center members will not be tolerated. You must institute a consumer friendly approach to conducting business. It is a far cry from that now. In the interim, you have my contact information on file to include my phone number. You can call me directly with out hiding behind a call center. 
In response to your CFPB statement I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX XXXX there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. 
Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuit, a multitude of registered complaints here on the CFPB, D rated company according to BBB it is evident to see the nefarious actions and malfeasance. Short of the investment company owners lining the pockets of the politicians, it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the nefarious predatory methods and malfeasance from this deplorable company.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX, Account number:XXXX. I disputed again with XXXX on XX/XX/2018. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018 I sent a certified validation letter to Wells Fargo Bank as well as Dealer funding/Innovate loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (FL)

after checking my credit report on XX/XX/XXXX I received a copy of ny credit profile I notice Fraud Hard inquiries, I contacted the companies and they stated they don't have an existing account and they can't help me to resolve the issue. I then contacted Experian XX/XX/XXXX the gave me a confirmation number that they will resolve the Fraud Inquiries from XXXX XXXX XXXX inquirie XXXX XX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX  XX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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. (NJ)

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.