davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

A default judgement doesnt constitute validation of the debt, I am currently pursuing a countersuit, and I have reason to believe that your company violated the arbitration clause outlined in the original agreement. This clause explicitly requires that disputes, such as this one, be resolved through arbitration, and by bypassing this process, you are in breach of the terms we both agreed upon. 

Unfortunately, the documents you provided, specifically the credit card statements, do not adequately meet the requirements for validating the debt as outlined under the Fair Debt Collection Practices Act ( FDCPA ). Credit card statements alone are not sufficient proof of the origin, ownership, or validity of the debt in question. 

To properly validate this debt, I kindly request the following additional information : Proof that the debt has been assigned or transferred to your company, if applicable. 
The original contract or agreement that bears my signature, proving that I am responsible for this debt. 
A complete breakdown of the debt, including the original amount, any interest accrued, fees added, and payments made. 
The name and address of the original creditor, if this debt has been sold or transferred. 
Please note that under the FDCPA, you are required to cease collection activities until you provide sufficient evidence of the validity of this debt.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (MN)

I am having an issue getting my free annual credit and consumer report from XXXX XXXX and Early Warning Services. I want XXXX XXXX and Early Warning Services to mail me a copy of my free annual credit report. Full Name : XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX, Minnesota Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC (AR)

From XX/XX/XXXX to XX/XX/XXXX I had XXXX XXXX XXXX thru XXXX, XXXX XXXX XXXX XXXX XXXX which both of my insurances covered. XXXX filed my primary but did n't file my secondary. I called them after I started receiving a bill for the part that my secondary insurance was to pay. XXXX said they did n't have my secondary information so I again provided it to them. A month after I received another bill. Same story but this time I took copies of both insurance cards and mailed it in to them. This went on for a year. Each time XXXX told me they would file it. They never filed my secondary. XXXX only had 1 year to file my secondary. On XX/XX/XXXX I called my secondary to find out if the claim was ever filed, I was told no. While I was on the phone with my secondary insurance they asked me to stay on the line while they tried to call XXXX, there was no answer. My secondary insurance also told me that I was n't responsible for the bill because they would have paid it in full. About 6 months or so ago is when a debt collector started calling me, at least once a week. I would explain to the same person, every time, what happened with that bill and what I was told by my insurance company. It 's not like I did n't try to settle a bill they just refuse to hear me or ignore what I tell them and continue to call.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, XXXX to remove these inquiries and all attempts failed.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit information and reports have been compromised by virtue of the XXXX data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have tried to place a 90 day fraud alert hold on my credit with Equifax for 7 days now ( starting on XXXX/XXXX/XXXX ), and each time I get a generic error : " Our system is currently unavailable We are currently unable to add initial 90 day fraud alert or XXXX XXXX alert to credit file online. Please try again later or click here to print a request form. If you need to install XXXX XXXX click here ''
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MN)

I am having an issue opening up a checking and savings account with banks and credit unions due to adverse negative information listed on my XXXX XXXX and Early Warning Consumer Report. All of the Inquiries Viewed By Others and Me currently listed on my XXXX Systems Consumer Report is fraudulent, unauthorized, not my inquiries and is the result of identity theft. All of the bank and checking accounts listed on my Early Warning Consumer Report is fraudulent, not my bank or checking accounts and is the result of identity theft. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion charges {$10.00} to initiate a freeze or lift a freeze online. This is exploitation at a time when a large number of Americans are affected by the XXXX data breach. Why should I pay for protecting my data when I never consented to its collection in the first place?
Consumer complaint received 2017-09-13
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. (VA)

Equifax, without my permission or consent, compiled personal financial information about me, and then recklessly managed this information they compiled. As a result of their inadequate security precautions, they allowed my personal information to be stolen. When I sough to place a security freeze through their website, I was advised it could not be completed. 

When investigating receiving future alerts related to wrongful use of the information they failed to protect, I was advised that they would not provide that service beyond one year without compensation. Of course, they mismanaged the information and caused harm that will last beyond one year. The monitoring should last as long as necessary to assure no future harm - presumably lifetime monitoring.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (VA)

On XX/XX/XXXX, I spoke with a EOS representative over the phone and agreed to pay {$340.00} to settle the debt. I inquired and was advised that the account would be updated and removed from all credit agencies that same day, however, it could take up to 30 days for all credit bureaus to update on their end. I received a letter via email which instructed me to pay {$340.00} on that day. I made the payment by credit card and did not think about this again. Approximately a month or so later, I checked my credit report, and noticed the account was still listed- however it stated " closed, settled less than full. I disputed this with the credit bureaus and was advised that the company had informed them that the account would continue to be listed until XX/XX/XXXX. Then I reviewed my credit card statement and noticed that I was charged more than the {$340.00} that was stated in the settlement letter. I was charged {$340.00}. In an effort to resolve this, I contacted the business by telephone at the end of XX/XX/XXXX and was advised that the additional amount charged was for using a credit card ( please note that I had no other choice but to pay with a card as I had to make a payment that day ). Furthermore, they claimed that the credit bureaus had been updated and disconnected the phone. On XX/XX/XXXX, I submitted in writing an extensive letter, again to correct this situation. I sent the letter via certified mail and requested that they contact me via certified mail ( for verification purposes in the event the matter goes to court ). In the letter I explained the situation and requested that they fix this. To this day, I have never received any response from the business. On XX/XX/XXXX, I submitted a complaint via the Better Business Bureau. I provided evidence regarding my allegations, however was unsuccessful. Please note, no evidence was provided by the business. On XX/XX/XXXX, BBB closed interest in the case as the business was not amenable to any changes. Please be advised that this business has reported my last name incorrectly to the credit bureaus. I have attempted to correct this with the company, to no avail. I am requesting that the business immediately remove all accounts from all credit reporting bureaus immediately and update my name with the credit bureaus. Please be advised that I have been denied a mortgage loan due to illegal practices by this business. I am requesting this company be investigated immediately and held accountable for their actions, so that other consumers are not targeted.
Consumer complaint received 2017-09-13
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. (NC)

In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion put a freeze on my credit and did n't explain why. I 've called 10 times to try to talk to someone there and get it changed and find out why they did it. The system says I need a pin that was sent in a letter sent. I never received the letter! It then says it is transferring me to a customer service rep then a busy signal comes and the call is dropped every time!
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: Dealer Funding, LLC (FL)

On XX/XX/2018 I sent a certified validation letter to XXXX XXXX Bank as well as XXXX XXXX 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 2018-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC (FL)

OnXX/XX/XXXX around XXXX I contacted Accelerated Financial Solutions LLC about a debt placed on my credit report concerning XXXX. The original amount of the XXXX debt was for {$790.00} dating to XXXX of XXXX, Accelerated Financial Solutions LLC placed the debt as being from XX/XX/XXXX in the amount of {$1800.00}. I spoke to a representative from Accelerated Financial Solutions LLC who said his name was XXXX XXXX about the fact that he re aged the debt and also placed the wrong amount of my credit report. XXXX even read the original date and amount of debt off to me over the phone. XXXX stated he would absolutely NOT send me any validation of the debt or change anything unless I paid him something over the phone. He said the debt has been validated and paperwork was sent. I told him I have been calling and asking numerous times for validation on this debt and have received nothing, he said well it will not be sent and that I need to pay him now. By the end of the conversation he read off my home address and my email and said your request has been noted but do n't plan on receiving anything unless I set up a payment arrangement with him. I told them what he 's doing is illegal and he stated he knows what the law is.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I am writing to formally file a complaint against the major credit bureausXXXX, XXXX, and XXXXfor their refusal to remove a fraudulent entry from my credit report despite a court ruling that dismissed the claim due to fraud. 

Background : The fraudulent entry is associated with a claim filed by LVNV Resurgent, which the courts in XXXX XXXX found to be fraudulent. On XX/XX/year>, the court dismissed the case, Case No. ( Insert Case Number ), on the grounds that the claim was invalid and fraudulent. The amount in question was $ [ Insert Amount ]. Despite the courts ruling and dismissal, LVNV Resurgent continues to report this fraudulent debt to the credit bureaus.

Actions Taken : I contacted LVNV Resurgent directly with a formal dispute and included a copy of the courts dismissal order, requesting that they remove the entry from my credit report. To date, they have failed to comply. 
In XX/XX/year> and XX/XX/year> : I submitted disputes with XXXX, XXXX, and XXXX, providing the court documents and requesting that they remove the fraudulent entry. Despite providing all necessary documentation, the credit bureaus have continued to report the fraudulent information. 
In XX/XX/year> and XX/XX/year> : I followed up with each credit bureau after the initial disputes, only to be informed that they would not remove the entry. 
Request : I am seeking your assistance in holding the credit bureaus accountable under the Fair Credit Reporting Act ( FCRA ), as they are required to correct inaccurate or fraudulent information in a timely manner. Despite multiple efforts on my part, and clear evidence from the court ruling, the credit bureaus have failed to act accordingly. 

I kindly request that the CFPB investigate this matter and ensure that the credit bureaus : Remove the fraudulent LVNV Resurgent entry from my credit report immediately. 
Provide confirmation in writing that the information has been corrected and removed. 
Please let me know if additional information or documentation is needed to assist with your investigation.
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (GA)

On XX/XX/XXXX, my Cash App account was suddenly banned without prior notice or explanation. I have been a responsible user of Cash App for over 2-3 years and have never violated any terms of service. I rely heavily on this account for financial transactions, and the ban has left me unable to access my funds. 

Since the ban, I have contacted Cash App support multiple times to resolve the issue. I provided all relevant information, including transaction details and account verification, but I have not received any clear explanation or assistance from support. Despite my efforts, they have not restored my account or explained why it was banned. This lack of communication and the inability to use my funds has caused me significant inconvenience and financial hardship. 

I am requesting that Cash App provide a clear reason for the ban or restore my account. I would also appreciate a review of their customer support practices, as I have not received sufficient assistance in resolving this matter.
Consumer complaint received 2024-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

I was giving a forbearance and my loans were paid off and then XXXX Aidvantage student loan place said they bought my loans and now I had to pay them when my loans were paid for. Now they got my loan start dates on days and years I was never in school at all.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDMAN SACHS BANK USA (NV)

CFPB, this is not a duplicate complaint. We have additional questions that need to be answered! This complaint is for Goldman Sachs Bank  only to answer the following questions. 
1st, when Goldman Sachs purchased our loan in XX/XX/XXXX from XXXX XXXX XXXX  and placed our loan/asset into a pool of trust known as XXXX XXXX  XXXX XXXX XXXX, did XXXX XXXX bundle our mortgage loan/asset with other loans/assets in XX/XX/XXXX-XX/XX/XXXX and sell them to another investor? 
2nd, did Goldman Sachs ever violate any federal or state laws from XX/XX/XXXX to XX/XX/XXXX regarding the performance of subprime residential mortgage backed securities ( RMBA ) as documentation reflects? 
3rd, does Goldman Sachs still maintain electronic records that will reflect who Goldman Sachs sold our loan to in XX/XX/XXXX-XX/XX/XXXX? 
4th, is Goldman Sachs policy, to maintain accurate records at all times? 
5th, is n't it a fact that Goldman Sachs Bank is not responding to our questions because Goldman Sachs knows that our mortgage loan/asset was part of the Justice Department investigation in XX/XX/XXXX which found Goldman Sachs guilty in conduct in packaging, securitization, marketing, sale and issuance of residential mortgage backed securities RMBS ) between XX/XX/XXXX-XX/XX/XXXX and agreed to pay {$5.00} XXXX in connection with its sale of residential mortgage backed securities? 
6th, is Goldman Sachs aware that due to these bad business practices from Goldman Sachs, XXXX XXXX XXXX ( our previous servicer that Goldman Sachs owned ), XXXX XXXX XXXX, the trustee, XXXX XXXX   XXXX have caused us mental and emotional damage? 
7th, is Goldman Sachs aware that we still maintain a mortgage balance of {$250000.00} even after fraud by your company has occurred? 
8th, is Goldman Sachs aware that your company violated our rights, federal and state laws along with consumer rights which has caused us mental and emotional damage? 
9th, is Goldman Sachs aware that if the original note and the original Deed of Trust has been lost, Goldman Sachs, XXXX XXXX XXXX ( our current servicer ), XXXX or the trustee, XXXX XXXX XXXX ( the trustee ) can not legally enforce our loan documents nor the HAMP modification in XX/XX/XXXX that reconfirms the original mortgage documents? 
10th, is Goldman Sachs aware that multiple federal and state agencies have complaints regarding the servicing of our mortgage, the fraud that occurred by your company and that we are seeking justice and compensation?
Consumer complaint received 2018-01-12
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: Tower Loan of Mississippi, Inc. (MS)

On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!
Consumer complaint received 2017-09-13
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. (ME)

I paid Equifax to safely monitor my credit, try to get out of my debts, I trusted them and they ended up leaking all my financial information. I want all the money back I paid as well as compensation for stress and potential risk I am now facing due to their leaks.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase in XX/XX/XXXX using my Care Credit Card which is part of Synchrony Bank. The promotion was XXXX interest for XXXX XXXX XXXX XXXX later in around XXXX or XXXX of XXXX The company then decided to charge me interest XXXX all the back interest from the entire previous year. Ultimately results in NO PROMOTION at all since they are asking I pay back the entire amount. This practice seems VERY unethical and now almost XXXX XXXX XXXX  later of paying this company I have the same balance. How is this even possible. It's so sad that we live in a country that we can not even meet our own needs thanks to companies that are so greedy and take advantage of everyday hard working Americans. I hope something is done and fast as I'm not even able to keep up and will soon be delinquent. Here is there website : XXXX XXXX XXXX