davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (NJ)

i file disputes with early warning consumer services XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. stating the accounts are fraudulent and were opened up without my permission, i filed a ftc report also stating my identity was stolen to open fraudulent accounts in my name which they overdrawn and wrote bad checks..Early warning reply stating the accounts are accurate and refuse to remove these accounts.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paysend US LLC ()

I am writing to formally lodge a complaint regarding a recent transaction and subsequent issues I have encountered with your service. 

On XX/XX/year>, I attempted to send a remittance to my own account in XXXX, under the reference number XXXX. After charging me for this transaction, it was unexpectedly canceled almost immediately. 

Furthermore, I received a concerning request to provide a picture of my full card number, including the XXXX, to an unsecured email address. This request is not only alarming but also raises serious concerns about the security of my personal and financial information. 

To date, I have not received a refund for the canceled transaction, and my request to terminate my account has gone unanswered. This lack of communication and resolution is unacceptable.
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (NC)

Received a text XXXX at XXXXXXXX XXXX. from " PFC, a dept collector '' It said : You have an owing balance for XXXX XXXXXXXX XXXX XXXX that is not on a pay plan. Call XXXX or visit XXXXXXXX XXXX XXXXpfcpayXXXX XXXX for payment options. To opt out reply STOP '' I called the number. I told them I received the text. I was when I received the text, the file number in the text ( there wasn't one ) and asked my name and phone number ( which they obviously had my phone number because they texted me ). Then asked my po box . 

Note that the wording in the text ( " You have an owing balance '' and " that is not on a pay plan '' ) don't sound professional or like a native XXXX speaker. 

I repeatedly asked what the date of service was for the balance in question. The person continued to try to keep me on the line by saying things like " Let me check one more thing '' and " Oh wait I'm accessing the file now '' but would not answer my question. When I asked it louder ( the final time ), the person said they could not give me any details. I hung up. 

I have state-sponsored insurance that covers XXXX 

What concerns me is that XXXX XXXXXXXX XXXX the company that provides XXXX XXXX for me. How did this company get my phone number? Also, this could be an attempt to record my voice and use for nefarious purposes.
Consumer complaint received 2024-10-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NC)

I received a notification from XXXX that a collection was placed on my credit report. I have never had an account with the company that the collection is for. I requested a copy of my contract with my signature or anything that says this is my account yet nothing was received. I disputed this with XXXX but it remains on my credit. This is not my debt. The collection agency says the debt was for {$110.00} yet they are requesting I pay over {$1200.00}.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have been a victim of identity theft by a former friend and because of this I have debts on my credit report that do not belong to me. I've disputed this from my credit reports several times and even with the loan company for years and it still remains. I don't know what else to do and why they keep this on my record without validating their information. Please help.
Consumer complaint received 2024-10-16
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (IL)

Direct Express is refusing to allow me access to my money due to a error on their part. 

Last week I had to verify my identity by sending them my ID and answering questions.. upon unlocking my account... ( during the same phone call that I verified my identity ) I updated my information. ( Phone number, email & address ) The representative told me my information had been updated and I could use it to access my account next time i call. 

This week my account went back in the fraud department due to my error of keying in the wrong information during a call. Once transferred me to the representative ( fraud department ) I gave them the information that I updated the last time I verified my identity. 
They said wrong information you have to send us your ID.

I let them know that it was the right information and there's a system error and I wa n't to have my last phone call when I verified my identity reviewed because I updated my information during that call as well.

They're refusing to review the call. And refusing to check the system for errors. And refusing to allow me access to my XXXX payment from the federal government. Due to their error I'm currently homeless sleeping outside, without the proper weather gear in XXXX and I felt like I was XXXX XXXX XXXX last night it was so cold. This is literally a life or death situation. 

I have done everything right on my part I should not be restricted from accessing my funds. That's illegal to do that. I'm headed to the federal courthouse to file a lawsuit against them. This is not the first time they have done this.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (MA)

I am trying to rollover my account into a different HSA and bank. I ahve sent in the forms via email as they told me to, and by snail mail once I got no updates or confirmation that they were rolling over my account. 

This has been happening since XXXX. The earliest request was number XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. I look forward to your response. Also, please note that this is not coming from a credit clinic or or third party credit repair company. I, as the consumer, am sending this letter to you as myself. Thank you. The inquiries in question are not related to any actions I have taken as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: American Student Assistance (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have written, certified, and notarized a request for verification of debt sent to Resurgent Capital Services, and it has been well over a month, and they've failed to respond, while yet continuing to report the account on my credit report. This is a clear violation fo Federal Law under the Fair Debt Collection Act : Section 1692g in Title 15 of the U.S. Code. This clear and blatant disregard for the law, and how their practices affect the lives of the American Consumer is not act, but a culture at this company.

30 days have come and gone, and they have yet to remove this debt from my credit report. They have sent nothing certifying the debt is mine within the time allotted by law, and I believe this to be fraud with a willful intent to use my credit report to coarse me into sending money I don't owe.

We are filing this report to be included in our lawsuit with the local magistrate here in Texas. I also will be speaking with an attorney regarding filing a police report for fraud.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. ()

We ( XXXX XXXX XXXX XXXX XXXX ) received 2 letters from Caine & Weiner, a law firm across the country, attempting to collect a {$13000.00} debt on behalf of " XXXX '' - a company that we had to look up as we had never even heard of them before receiving this letter ( late XX/XX/XXXX ). I left a message for XXXX XXXX ( XXXX ) in XX/XX/XXXX to let her know this was an attempt to collect a false debt and that she needs to contact her client to get the correct info because we do not owe them anything and the below email was also sent on XX/XX/XXXX .... with no response : Good Afternoon, This email is in response to a letter received today ( copy attached ). We are disputing this collection as we have never done business with, applied for credit with nor even heard of XXXX. This is a phantom collection attempt and will be reported to the FTC if any attempts to collect continue. Please confer with XXXX to get the correct account/customer information and provide a written acknowledgement of receipt of this email and how you plan on closing out this account, as again, we do not owe XXXX or Caine & Weiner any funds. I look forward to your response. 

Another email was sent to Ibis and complaints were filed XX/XX/XXXX due to the receipt of another collections letter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

To Whom It May Concern, I am writing to file a formal complaint against Paxful , Inc. for multiple critical security breaches and failure to provide adequate resolutions regarding a transaction that occurred on their platform. Despite Paxfuls claims of offering a safe and secure platform for peer-to-peer cryptocurrency transactions, my recent experience has highlighted several concerning lapses in security and customer protection. 

Details of the Incident : Date of Transaction : XXXX XXXX, 2024 Amount : {$640.00} User ID involved : XXXX On the above-mentioned date, I was a victim of a phishing attack facilitated through Paxfuls platform. The phishing link was sent via Paxful 's chat feature by User ID " XXXX. '' This users profile was labeled as " verified '' by Paxful, which implies that the account passed Know Your Customer ( KYC ) procedures and document verification ( such as ID/Passport and Proof of Address ). Unfortunately, this label of verification led me to trust the platform 's security standards. However, I later discovered that this user had bypassed Paxful 's security protocols and was able to perform fraudulent activities on my account. 

Key Issues : Failure in User Verification : Paxful claimed that the user " XXXX '' was verified, which means the KYC documents were reviewed and vetted by Paxful. However, it remains unclear whether these documents were thoroughly vetted, as the user was able to engage in fraudulent activities despite being labeled as verified. This presents a failure in Paxful 's due diligence in verifying user authenticity. 

Security Breach - Bypassing Protocols : The attacker was able to bypass Paxfuls security protocols, sending a phishing link and logging into the account from different IP addresses ( from XXXX ) without triggering any security alerts or restrictions. The fact that these discrepancies did not result in a flag or lock on the account indicates severe lapses in Paxful 's security measures. 

Inadequate Response to Security Compromise : Despite the fact that the account was later marked as suspicious and Paxful acknowledged a security compromise, the platform failed to suspend the users transactions in a timely manner. This allowed the user to move my funds out of the account, even after it was marked suspicious. 

Unethical Retention of Transaction Fees : Paxful retained the 1 % transaction fee despite being fully aware that the transaction was compromised and part of a phishing attack. This raises significant ethical concerns, as Paxful continues to profit from a transaction that they should have flagged and prevented due to security breaches.
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (NJ)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

This company is reporting fraudulent inaccurate information on my credit report. l have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me 15 U.S. Code 1692g - Validation of Debts ( FDCPA ) ( FCRA ) - 15 U.S. Code 1681 FCRA ( 15 USC 1681g )
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

while attending   XXXX   XXXX   XXXX   College my loan originated with   XXXX   XXXX  . somehow my loan servicer changed to Navient ( major Problems ). My loans totaled ONLY around 33,000 i had to complete paperwork in 2014 to  tfr  to Navient. i was told by Navient the FIRST paperwork was incomplete to process it again. so i did ONLY to find out that Navient processed both applications TWICE therefore leaving me with a debt of  XXXX  I have spoken to them i have faxed proof from   XXXX   XXXX   i have faxed financial records from my college and they insist on me paying   XXXX   to them for a school which only cost me maybe 22,000 plus part of my education was subsided by my employer they in turn sent my loan to   XXXX   XXXX   with the continued debt of   XXXX  . i contacted  XXXX  and they right away spotted the error. i feel that Navient is prejudice towards servicing me assistance in this matter they have blemished my credit they have caused me to incur higher insurance and higher loan rates. My  XXXX  is beyond what you can believe i am receiving demand payments of   XXXX   per month in which i can not afford on a salary of  XXXX  i really need someones help next i will be garnushed because of someones elses error .... please help me .... my contact there was   XXXX   at   XXXX   XXXX   XXXX    also a lady named   XXXX   .... and now they have blocked my calls all together  ...
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc. (FL)

Hello I am a victim of SSN fraud. Someone stole my social and is making fraudulent cash apps and now Im unable to make a Cash App account. My social is XXXX. Im asking cash app to remove my social from all of their database so I can make a account from me.
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPTUM BANK, INC. (WA)

XXXX XXXX - XXXX XXXX : I requested billing department, medical records department, and patient relations department at XXXX XXXX XXXX XXXX in XXXX XXXX & XXXX XXXX for documents supporting the level of medical decision making required to justify the CPT code billed. 

XXXX XX/XX/XXXX - I sent an email to XXXX patient disputes, disputing the CPT  code entered and requested level of medical decision making required to bill the CPT code. No response received. 

XXXX XX/XX/XXXX- I sent an email to XXXX patient disputes, again requesting level of medical decision making required to bill the CPT code. No response received until XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX - XXXX patient disputes emailed me their first response, but did not provide the requested documentation. 

XXXX XX/XX/XXXX - I pointed out that they have not provided the requested documentation, and requested follow-up with proper document requested to justify the medical XXXX  code that was billed. 

XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX left a voice mail that my medical bill went to collections. 

XXXX XX/XX/XXXX - I sent a letter to XXXX XXXX XXXX stating that my dispute with XXXX has not been resolved. 

XXXX XXXX - XXXX - I continued contacting XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX  XXXX  for requested documents. 

XXXX XX/XX/XXXX - XXXX XXXX XXXX replied that they have verified the debt with XXXX XXXX XXXX XXXX, even though my dispute with XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted XXXX XXXX XXXX to inform them that my dispute with XXXX XXXX XXXX XXXX and XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted XXXX XXXX XXXX XXXX patient relations department informing them that I have not received any document justifying the level of medical decision making required to bill the XXXX code ( amounting {$2700.00} ) when they didn't order a single lab test or imaging, didn't provide a single prescription, and didn't provide any final diagnosis, and I already paid what they quoted me for the patient portion ( {$330.00} ). 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received the requested documentation. 

XXXX XX/XX/XXXX : I received a phone call from XXXX XXXX during my work meeting. I let them know that I'll call them back. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX after my work meeting. I received no response. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received any response. I received no response. 

XXXX XX/XX/XXXX : I left a voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : Derogatory mark on credit report as XXXX XXXX XXXX reported to credit bureau despite my dispute with XXXX XXXX not having been resolved.