davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My name is XXXX XXXX and Im an reaching out with a few questions regarding the portfolio recovery account that originated from XXXX XXXX. I did open multiple disputes over the years as I found out the original account was created by my mother, possibly, a few years back. I dont even speak to my Mother. For the one 3 years Shes lived in XXXX and I lived in XXXX  XXXX. She lost custody of me and my siblings some XXXX odd years ago. This is a definite case of identity theft or fraud or both. Please do whatever you can to get this resolved as soon as possible. This account has been plaguing me for years, with me not being sure where it was from. Ive also been paying it when it isnt even my debt to pay just to try and mend my credit. Will I be able to get the money I paid back as well? Since Forsure I know that this was a fraud case. Thank you for all your help looking into this. Im looking forward to your response.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Betterment LLC (CA)

I had an account, checking and savings with this company for a little over two years. I was continuously receiving statements and able to log in to view my account during this time. Well recently about a month ago, I logged in, planning to use the account for direct deposit for my job. I got an alert or message to contact customer service. I contacted them, went through a series of trouble shooting with a representative until the rep places me on hold and tell me that I would received an email explaining the steps to gain my account numbers for direct deposit. Shortly after this conversation, another rep or security rep, emails me and says that they have determined that my needs do not fit or align with the bank, so they closed my account. I sent them an email, asking how they determined my needs and more importantly how they determined that those needs didn't align with the bank. I never had any overdrafts or unpaid funds. I only deposited and utilized the account a few times when I first opened it. The response email I received stated that they weren't going to give me any information on their decision and how did I want my funds transferred. I sent an email, stating I wanted to know why my account was closed, and never got a response, or the remaining funds in my account.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NH)

XX/XX/XXXX I was with XXXX and asked for a Covid payment refund, which was submitted. I called them again in XXXX for an update since I hadn't seen anything, and they said they had to send it again ( which they never did ). I was then transferred to Mohela. Here we are a year later, and FINALLY the refund was " sent out '' on XX/XX/XXXX. And yet it wasn't. The treasury has NO record of a request to send a check. So now, I'm accruing interest on a $ XXXX balance that has never actually been sent, and at the rate these servicers work, it won't be for another year. Why is this taking so long and why has this been added to my balance when a check hasn't even been cut? The balance needs to be updated to the date the check is cashed- if I ever get one. This is ridiculous and so frustrating. It's been over a year!!!
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2024, I received a statement from Comenity Bank for XXXX XXXX XXXX credit card. I created an account on their online portal, but I was unable to sign in. When attempting to log into their online portal, the submit button returns you to the home page. I called their customer service 4 times over the course of 4 days, and all of the agents told me there was an issue with the website and it would be restored shortly. Its been over 5 days ( 4 business days ) and the website still hasnt been restored. I am unable to pay my bill.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (MS)

I never got a notice from this collection company that I owed a debt. They are also not licensed in my state of Mississippi to collect. So these are two violations of the Fair Debt Collection Practices. I will take legal recourse if this is not removed from my credit reports.
Consumer complaint received 2023-08-11
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-09
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

I purchased a console light from XXXX for my SUV. The seller sent it by media mail and the XXXX opened it and determined that it was appropriate for the shipping costs and discounts. The XXXX returned it to the sender but it was scanned delivered to or around my mailbox before they inspected it. The price was {$200.00} and some change. I have sent Syncrony Bank XXXX Mastercard the documentation from XXXX Supervisors that I didn't receive the package that GPS Tracking shows the package was returned to the shipping address of the seller, and therefore i am not responsible. This has been going on since XX/XX/year>. They are refuse to contact XXXX or even acknowledge that I am providing information and documentation to support my claim.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

So chime has closed my account without giving me any type of notice or why they closed it. I asked how are the fund going to be sent to me and they replied by saying they have limited access to my account. I would like to know why my account was closed and how to get my money back that was in there.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

Dear American Express, I have formally requested XXXX XXXX to cease all communication with me regarding the collection of the debt XXXX XXXX alleged I owe. Multiple times I have denied the charges due to fraudulent activities on the account. I have ask for a signature page with my physical signature This request is made pursuant to my rights under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
Please consider this letter a formal cease and desist demand.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX This company is constantly reporting inaccurate information on all 3 credit bureaus. One bureau says open one say debt buyer then another has payment history with a report of 120 day late payment. Balance keeps going up and down. Which it should not, I have never made a payment to this company or have an open account. After pointing this information out. XXXX, XXXX and XXXX is saying information is accurate. Causing my score to drop. I do not that an contract with this company. The credit bureaus are allowing them to play on my report with constant inaccuracies and no consequences. After i pointed these thing out they should have been removed not verified and updated with more inaccuracies. I want this company removed from my credit report and XXXX, XXXX and XXXX to stop letting this company violate my rights. This is a violation i will pursue legal action next.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. According to law 605 b from the FCRA nothing should get reported to my credit report without my consent.
Consumer complaint received 2024-08-08
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: Affirm Holdings, Inc (FL)

Affirm Inc had claimed to charge off/send to collections {$150.00} total balance. Using Affirms own XXXX XXXX XXXX, the company successfully defrauded myself and XXXX claiming the account was sent to collections. The account never left Affirm Inc, therefore a write off/charge off never took place. The account remained with the same organization in perpetuity. It has been paid in full and closed. I requested the verbiage to be changed on the tradeline, and XXXX has thus refused. Affirm Inc has made statements to this consumer through your portal proofing this fact. Whomever is responsible for resolving this dispute at XXXX is demonstrating actual malice by resolving disputes incorrectly, repeatedly. Please advise. Thanks.
Consumer complaint received 2024-06-09
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (FL)

On XXXX, XX/XX/year>, I was called by Freedom Debt Relief by an individual identifying himself as XXXX XXXX ( which I suspect very strongly was not his name ) claiming to represent card member services for XXXX  and XXXX. He led me to believe that someone out of state had applied for a loan in my name and that he was going to investigate this and began to confirm all of my accounts which he seemed to have in front of him. He had my Social Security number. He also gave me a case number. I became suspicious when he started asking for the XXXX codes of my cards. He tried to reassure me and was very persuasive and persistent, becoming indignant at times for my impugning his integrity. He told me that he would be blocking my accounts and that I would not be able to apply for any kind of large loan for XXXX to 8 months while they negotiated the remaining balances of my cards and that I would not have to repay these balances myself and would owe nothing. He also said he would be charging two of my cards with lawyers fees of {$9000.00} each but that this would also be forgiven. I told him that I did not understand the reason for this process and he tried to reassure me by saying that this would protect my identity by changing all of my financial information. He also said that I would need to close my bank accounts and change over to completely different banks saying it was absolutely necessary to protect my identity. I told him I did not want to do this. He then tried to pass me over to a company lawyer. I refused to speak to their lawyer and told him that I did not want him to charge my cards with any fees or anything. He then said, But this way you will be debt free. Dont you want to be debt free. It was only toward the end of the call that I was able to get him to identify the company properly. I ended the call but not before he said he would be calling back on Monday so the lawyer could talk to me. His callback number was given as XXXX. I researched the company and only then realized the true purpose of the company. I am a XXXX  XXXX  and it was hard for me to understand the agent because he had a thick accent. I have my finances under control and do not need debt relief, which is what they were trying to sign me up for. This was a blatant fraud attempt by very skillful actors posing as fraud protection. Afterwards I reported all of my cards as being compromised so that none could be accessed by this company.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

CitiBank is reporting incomplete information on my credit report, rendering it inaccurate. As a consumer, I am entitled to accurate and complete reporting under the FCRA. After disputing the accuracy of this information through XXXX, the company verified that the information was accurate and complete. *These inaccuracies consist of incomplete or missing balance history information listed below : * Balance history information is missing for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Some of these months contain an alleged late payment with not payment history information reporting. * There are XXXX balance reported for the month of XX/XX/XXXX ( {$1000.00} and {$950.00} ) * The payment date for the months of XX/XX/XXXX through XX/XX/XXXX are all reporting as XX/XX/XXXX. * XX/XX/XXXX and XX/XX/XXXX both have an incorrect payment date of XX/XX/XXXX * XX/XX/XXXX and XX/XX/XXXX have the same payment date of XX/XX/XXXX. * The Month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX * The months of XX/XX/XXXX and XX/XX/XXXX are both incorrectly reporting a payment date of XX/XX/XXXX * The month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX. Since these inaccuracies are affecting me financially, I request that this account be removed from my credit report in whole as a result of the inaccurate reporting of this account. 
Please read this complaint before marking it as duplicate because it has nothing to do with my last complaint. I am disputing the accuracy of this account specifically balance history information.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (IL)

Hi. Recently, I reviewed my credit report and noticed some inaccuracies in my account. These errors are negatively impacting my ability to obtain credit. I understand that you will investigate these items to ensure their accuracy. Here is the item I am asking you to please verify as accurate on my XXXX report : Affirm XXXX
Consumer complaint received 2024-08-08
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 (MO)

Long story short, I had a hospitalization and MRIs that left me with credit trouble. I had a credit card from XXXX XXXX which went to collections through Portfolio Recovery. 
Portfolio Recovery sued me and I didnt know it until I received ads from lawyers. So I made and am current on a payment arrangement with them. I thought this would stave off a lawsuit. When I looked up the case in casenet, I came to find out about a second lawsuit. This time it was for a credit card I never had. 
So I went to court I found out from their own lawyer that they should have sent me a paper to sign and return that would have stopped the lawsuit. When I had called the company prior to the court appearance ( twice ), they never mentioned any such paper. 
So I missed work ( for a new job ) and had to go to court for a debt that I was making payments on and next month I have a court date for a debt I never had.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their aggressive pursuit of a debt that is beyond the statute of limitations, as well as their disregard for proper legal procedures during the XXXX pandemic. 
On XX/XX/24, I received a response from PRA regarding my initial complaint to your bureau. In their response, PRA stated that they verified the accuracy of the information regarding the debt in question, despite my objections and lack of knowledge about said debt. However, recent developments have shed new light on the situation. 
On XX/XX/24, I attended a court hearing regarding this matter. The presiding judge granted an order to vacate the judgment against me, as it was found that I was never properly served with the necessary legal documents. This revelation highlights the lack of due process and proper legal procedures followed by PRA. 
Furthermore, it has come to my attention that the debt in question is beyond the statute of limitations for collections in the state of XXXX XXXX. Its been XXXX years. Despite this fact, PRA has continued to pursue legal action against me, causing undue stress and financial hardship. 
It is worth noting that these proceedings occurred during the unprecedented challenges posed by the XXXX pandemic. Like many others, I experienced significant disruptions to my livelihood and financial stability during this time. PRA 's aggressive pursuit of this debt during a period of widespread economic uncertainty only exacerbated the situation. 

It is important to emphasize the severe financial hardship that PRA 's actions will have on me.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

4 months ago I received my credit report and it had inaccurate data concerning my Bank of America credit card account. In XX/XX/XXXX, the report stated I was late three months in a row. They were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I had set up automatic payment through my checking account a year prior. At the time, I contacted a representative from Bank of America and was told it was an error on their part for halting my automatic payments. After the initial month of a late payment I had to resubmit my checking account. However in XX/XX/XXXX it happened again. As well as in XX/XX/XXXX. Finally, I started to pay manually to make sure the payment was taken. I was told by the customer service representative that no adverse action would be shown on my credit report About three months ago I mailed a certified letter to Bank of America expressing my concern about the negative and inaccurate reporting to the credit bureaus showing missed payments. I received a letter from Bank of America stating that they did report my missed payments accurately and had no information regarding the representative stating that the inaccuracies would not affect my credit report. I would like this resolved as soon as possible.