davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is the second lawsuit Portfolio has filed to collect on an aged debt. To date, I havent received any paperwork or information on said debt. It is frustrating because I hire a lawyer only for them to dismiss the case. The last lawsuit was XXXX and it was dismissed. Now they are filing in a different county and Im no longer living in that county. I use an address for mail only but work in a different state. 

Ive tried calling and getting more information about the debt which is a one page email from them with a total. They then try to collect on another debt from XXXX. No statements but if I owe provide me with dates, contracts, emails, etc from the original creditor. 

At this point, Im seeking arbitration if they continue harassing me about a debt that is out of the SOL which is 4 years in XXXX. 

I now understand why they were fined $ XXXX in XXXX. And fined in XXXX. They are crooks who feel as if they cant be touched. Collecting and suing for zombie debts is illegal in almost every state.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: LendUp Loans LLC (WI)

I am attempting to cancel a credit card. I called the customer service line provided on the back of the credit card on 3 separate occasions on XX/XX/19 and XX/XX/19. First, it's pretty difficult to actually get to a customer service representative ( CSR ) and when I finally do and inform the CSR I wish to cancel the card, the CSR 'checks ' my account and then informs me another department has to process the cancellation and provides me a number to call. The number provided is the same number I dialed to get to the CSR I'm talking to. When I inform the CSR of this fact the CSR insists it's the only number available. I ask to speak to a supervisor and the CSR refuses my request. I have also sent emails ( X2 ) to their customer support email address requesting the card be cancelled with no response.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

Subject : Complaint Against XXXX XXXX XXXX XXXX and LVNV Funding LLC for FDCPA Violations Details : I am filing a formal complaint against XXXX XXXX XXXX XXXX and LVNV Funding LLC for reporting a debt on my credit report without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Massachusetts state law. The debt in question is for the amount of {$510.00} under Account XXXX. XXXX. 

I did not receive any 30-day validation notice as required by law, and I have requested full validation of the debt multiple times, including proof of the original creditor, a breakdown of how the debt was calculated, and proof that they have the legal right to collect in Massachusetts. To date, the company has failed to provide this information. 

This has caused significant harm to my credit standing, and I am requesting the immediate removal of this unverified debt from my credit report, as well as confirmation that all collection efforts will cease.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ADP Inc. (GA)

On XX/XX/year> I out and noticed I couldn't use XXXX XXXX XXXX. I went to the bank to next day and asked why I was having this problem, because I previously had XXXX plus dollars in my account. The bank teller XXXX informed me that ADP XXXX  took out an unauthorized charge of XXXX from my XXXX bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX ADP closed my account on XXXX XXXX and they stated I closed my account on XXXX XXXX and they stated I had a XXXX balance and a XXXX liability. I explained this information to bank and they opened an unauthorized debit or incorrect debit written statement, because I never gave ADP permission to debit my bank account XXXX. Furthermore, ADP closed my account then debited my bank account after my ADP account was closed and the bank teller told me ADP has not authority to debit my bank account after the account was closed. ADP broke the law and its fraud for taking my funds and stating I had a zero balance, but ADP still debited my account. I am willing to press charges on ADP for fraud and theft.
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (TX)

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

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

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

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. 

report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. 

I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

My issue was with Navient, also back when it was Sallie Mae. At the time, I was in repayment but not making enough money to meet the monthly payments. Their only solution was to defer the loan for months at a time while the accrued interest was added to the principal amount. This created a scenario where Ive been paying on this loan for 14 years now. I did move the loan to a different company since I was sick of dealing with Navient and their unreasonable interest rates which kept me from making any sort of dent in my principal amount. However, enough damage was done back when Navient had control of the loan that Ill be paying this still for many years to come. I can do nothing to get forward in life because of this, and XXXX almost XXXX.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXXXXXX XXXX ACCOUNT # XXXX Under the FCRA, credit reporting law everything reporting must be true and accurate. Failure to properly investigate is a violation. The above account is not my account and I have no longer of this account. Please provide me proof of accuracy : This company failed to provide proof of this debt. This need to be removed from my credit report. 

I have not supplied proof under the doctrine by silence Engelhart v Graven ( no ) 281 SW 715 719. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

Please removed XXXX XXXX XXXX  account # XXXX from my credit profile.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc. (PA)

I have had an account with XXXX for some time and this is now the second time this has happened for the same transaction type and client- I received a somewhat large ( to me ) payment from a client for a second deposit on funds I need to access today to complete work for them. Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because XXXX is withholding my money. Additionally, last time, they called my client directly to verify ( which they did, but though XXXX was very unprofessional in doing that ), so this is not a new transaction to them.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (WA)

i called creditor and they want all my personal information and will not give me the proof that I owe XXXX over {$40000.00}. Them they want to charge for the report. XXXX XXXX XXXX  and I rolled over my account without owing XXXX any money
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUSSRQ Holdings, LLC (FL)

Collections XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX XXXX Opened XXXX {$2700.00} XXXX XXXX Opened XXXX {$3100.00} XXXX XXXX XXXX Opened XXXX {$3300.00} XXXX XXXX XXXX Opened XXXX {$4100.00}
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of a XXXX account from my credit report under the Fair Credit Reporting Act ( FCRA ). The account contains inaccurate information. 

Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report. Despite my efforts to resolve this, the incorrect information remains and affects my creditworthiness. 

The XXXX agency has not provided adequate verification of this debt as required by FCRA 611 ( a ) ( 7 ). Given the lack of proper verification and inaccuracies, I request the removal of this collection account from my credit report. 

I have filed an FTC XXXX XXXX  Report regarding this account ( copy attached ).
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Emergent Business Group, Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Emergent Business Group XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Account ( XXXX ) number XXXX, XXXX, XXXX To Whom It XXXX Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I have attached the notice I received below. 
I am requesting validation and not simply verification of the alleged debt. Specifically, a copy of the Original Purchase Agreement, the agreement must be with the original creditor and signed by all parties involved, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry if being reported. I am disputing this debt ; you should not report it to the credit reporting agencies If you have already.

Finally, please note that I do not wish to receive further telephone calls or letters or any form of communication, this includes contacting family members or place of employment concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : - Defamation - Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MO)

I have been an Amex Gold Card holder since XXXX  For years the annual fee was {$95.00}, then recently went to {$250.00} and now is going to {$320.00}. I have had a FICO over score over XXXX for years and always paid monthly statements in full. 
I have read their marketing material explaining how I can easily earn back my fee by discounts, coupons, blah, blah. 
As a senior citizen who has managed their finances well all my life I'm certainly not interested in charging up large balances and paying them interest on top of the annual fee to " earn back '' the {$320.00}. 
I feel I'm being penalized for being a good steward of my money and a XXXX customer. 

I hope the word " protection '' in your title would prompt an in inquiry to Amex over their excessive fees. I read the current administration is very interested in controlling inflation. Here 's a great opportunity to do so! 

I don't care who knows my name and town. XXXX already knows much more than that about me. 

Sincerely, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc. (PA)

I have had an account with Veem for some time and this is now the second time this has happened for the same transaction type and client- I received a somewhat large ( to me ) payment from a client for a second deposit on funds I need to access today to complete work for them. Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because Veem is withholding my money. Additionally, last time, they called my client directly to verify ( which they did, but though Veem was very unprofessional in doing that ), so this is not a new transaction to them.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (NY)

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Incorrect Please remove it from my credit report
Consumer complaint received 2024-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XX/XX/year>, we submitted a communication to Select Portfolio Servicing ( SPS ). While they have acknowledged receipt, they have yet to address all the points raised regarding the Billing Errors. 

This mortgage issue remains an ongoing dispute, and no resolution has been reached. Despite this, on XX/XX/year>, SPS filed a foreclosure lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Although the lawsuit appears to have been filed by the XXXX XXXX XXXX XXXX XXXX the Federal Housing Finance Agency ( FHFA ) previously confirmed that " XXXX XXXX does not have an interest in your loan. '' We have since reached out to the FHFA for clarification on the actual owner of the loan and the involved parties. 

Given these unresolved issues, SPS has prematurely filed the lawsuit.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I spoke with several representatives and got no resolution. Trans union has blocked me from all online access. When I spoke with the first representative, she informed me that any issues with online I would need to call XXXX. However, she could order my credit report by mail, and she stated that she could lift credit freeze in which I requested both the report and credit lift. 

I waited for about 5 minutes, and I was still unable to access my credit profile online, so I called the number provided, and spoke with the next representative whom told me that their was nothing that she can do since I was able to login in because I explain that I can login in but I can't access anything. She said that I needed to speak with XXXX XXXX XXXX and provide case # XXXX. I asked what the case # is about, and she stated that this department would be able to share that with me. She gave me the phone number of XXXX which was the phone number I originally called. 

After being transferred again to this department, I spoke with the last representative whom advised that she can't help me with online and that the last department should of assisted me. She also stated that I still had the freeze on file which she insisted she lifted and provide me a confirmation # XXXX. She also informed that she would escalate my issue and someone will be in contact 24-48 hours. As of now, I still can't access my report on Trans union or annual credit report.com.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (NC)

To whom it may concern I receive a copy of my credit report and found the attach items to be in error .By the provision of the fair credit reporting act I DEMAND these items to be investigated and remove from my credit report.It is my understanding that you will recheck these items with the credit creditor who posted them.please remove any information that the creditor can NOT verify.I understand that under 15 USC section 168IA.they must complete the investigation within 30 days of the receipt of this letter.Please send me an updated copy of my credit report to the address provide. 

Please note that I had previously tried to get in contact with company via mail sent XXXX XXXX never received a response back from them.