davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, XXXX, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-05-09
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 (WV)

Affirm reported to my credit report that i have 9 different accounts that belonged to me. The accounts belonged to my son which has the same name and address as me. The company investigated and concluded that the 9 accounts was mine and refused to remove from my credit report. The accounts belong to my son with different social security number and birth date which apparently do not utilize this information. They continue to report negative information on my credit report. I spoke with their fraud department and the employees barely spoke English language. They would not release any details other they they closed the investigation and confirmed the accounts belong to me.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I am writing to formally express my dissatisfaction and concern over the unwarranted placement of an administrative forbearance on my Nelnet student loan account, which was implemented against my explicit wishes. Despite numerous attempts to rectify this issue and resume my payment plan under the SAVE program, which subsidizes interest, my requests have been consistently ignored or refused. Furthermore, I have been informed by a representative from Nelnet that I am liable for the interest accrued during this forbearance period, even though I explicitly requested numerous times to have the administrative forbearance removed. I have been approved for the SAVE plan since XX/XX/XXXX and should be benefitting from that payment plan. I called Nelnet in XXXX to remove the administrative forbearance ( which at the time, ended on XX/XX/XXXX ) but instead another one was placed for payments to resume XX/XX/XXXX. I spoke with a representative from Nelnet on XX/XX/XXXX from the solutions department who told me that it was their mistake and the issue would be resolved by XXXX. I called again on XX/XX/XXXX to check in on the progress of my request and for some inexplicable reason, they had no visibility as to how far along my request was and could only tell me to check in during XXXX. I called for a fourth time on XX/XX/XXXX and the representative had no idea what was going on and told me explicitly that she would help me remove the administrative forbearance. On XX/XX/XXXX, I received an email saying that my payments have been postponed due to an administrative forbearance being applied to my account. I called again on XX/XX/XXXX in an attempt to rectify the situation, yet again, but was on the phone for more than 2 hours, only for the Nelnet representative to drop the call. This situation not only represents a failure in adhering to agreed terms but also appears to be a deliberate attempt to impose unjustified charges. This is beyond acceptable- its basically criminal.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 informationisinaccurate.
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This has been ongoing since XXXX XXXX XXXX At this point it is my understanding that the investigation part is complete at Capital One Bank but they the security team is still holding my funds. The lack of response from Capital One is astounding. We are taking about a deposit that Capital One accepted into an account that was not mind of over XXXX and at the time the account that it was put in was closed. Capital one sent me a copy of what the transfer looked like and it clearly had my name on it. The originating bank has asked for the funds back ( XXXX  ) but to this date capital one has still not sent back my funds and will not give me a date or time of when that is going to happen. So while my case says it is resolved they are still holding my funds. 

Please see previous complaints filed and all of the information is described there. I was told by XXXX with Capital One that there is no timeframe for which Capital One is held to return my funds and feel that this is not ok. 

Please help me hold Capital One accountable to someone as they continually have media coverage about how they are doing these type of things
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

My account has been permanently limited. The customer service gave me the reason it is limited and it is a mistake, not on my part, and they will not correct it. I collected {$30.00} from XXXX people to purchase a dinner gift card for a coworker who broke his arms. Two of the people checked that the funds were for goods and services, they were supposed to check it was for a friend. They checked goods and services since I was going to buy the gift card.

You can see in the attached the two people who selected goods and services incurred a small charge and the one that did not was not charged. PayPal thought I was conducting business and trying to get away with not paying business markups. 

Customer service will not let me talk to the people doing the review when it was done wrong, they will not let me put in a written request for a review they are just telling me I can never use Paypal again.

The PayPal account is under XXXX XXXX
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Theirs addresses on my file that I don't have any contact with, I wrote to them and told them that i have one address, and one name and that i would like them to remove them other address of my credit file, as too I have one employment and no phone number.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$430.00}
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The XXXX XXXX XXXX has false information and false reporting on my Credit report. The XXXX XXXXXXXX XXXX has not provided me any original documentation required under Section 609 ( A ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) and under Section611 ( 5 ) ( A ) OF THE FCRA-you are required to " promptly delete all information which can not be verified. The XXXXXXXX XXXX  XXXX has it reported on my report that the account was open XX/XX/XXXX marked payed/closed XX/XX/XXXX last payment XX/XX/XXXX. ITS stated on my report that this is a 39 month term from XXXX XXXX which would expire on XXXX XXXX which there are no miss payments in XXXX as reported in my credit report. ITS reporting that there was a miss payment XXXX XXXX, I am requesting Information regards to this late payment or delete this item from my credit report within 15 days of receiving this complaint.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (SC)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

My credit score decreased from XXXX to a XXXX for incorrect information that was added to my XXXX credit report. It now states that I owe {$33.00} dollars which is most definitely incorrect information added onto my credit report by XXXX & that is absolutely Innacurate. The {$33.00} was a payment I made with my XXXX XXXX XXXX credit card towards one of my bills, and instead its showing as a debt I owe on my credit report. And for this silly error done by XXXX my credit score was reduced and decreased by XXXX points unnecessarily due to XXXX error. I need this fixed asap please. And I want my score back to the XXXX I had. Ive been paying off my student loans and its definitely not being correctly or accurately reported to none of the three credit bureaus by AidVantage. My credit score should not have been reduced by XXXX points by XXXX. If anything it should have increased instead. My current total correct balance for my student loans is {$3300.00}, and its not being accurately reported to any of the three credit bureaus by AidVantage and the wrong amounts/balance ( s ) are on all three of my credit reports with all three major credit bureaus XXXX, XXXX, and XXXX. I need this amount updated on my credit reports with all three credit bureaus please.
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Radius Global Solutions, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Radius Global Solutions, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Radius Global Solutions, LLC., continues its collection efforts, I will file for litigation for actual damages caused and Radius Global Solutions XXXX LLC, shall be liable for violations of TILA, FCRA , GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

After more than 20 years of being a customer, USAA has unilaterally closed my ( and my family 's ) accounts. Per their letter, they suspect fraud of some sort on the accounts. They have closed the accounts. My issue is with the 60 day time frame for them to initiate returning funds. That is a ridiculous time frame after closing an account with no notice. I demand access to the funds that they are holding.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type.

Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (NY)

All accounts under my name from XXXXXXXX XXXX XXXX  was made through fruad and scamming and identify theft.. all accounts by my consent close immediately. I don't own any account with any bank known. 

You may contact me XXXX XXXX Images sent are banks that I don't not have in my name and that information is from XXXX
Consumer complaint received 2024-01-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

XX/XX/XXXX requested to perform an escrow analysis on my home mortgage. This took place via telephone call with the mortgage servicer Representative a Mr. Cooper, which operates under Nationstar Mortgages, LLC ). The representative stated a a result of the escrow evaluation the monthly escrow would be reduced from {$760.00} to $ XXXXBased un this conversation the change in the monthly payment would take effect XXXX. I received an invoice dated XXXX XXXX, XXXX with the old amount of escrow and due date of XXXX, XXXX XXXX. This was followed by another invoice dated XXXX XXXX, XXXX with the revised escrow commencing on XXXX XXXX, XXXX. Note there is over {$1000.00} in escrow account. I have tried contacting Mr. Cooper on 15 occasions but have yet to speak with a customer representative .This organization has set up an automated call response system which takes you in circles. On XXXX, XXXX I was able to speak with a representative by selecting a mortgage refinance option. This individual could not help me and stated the department that could was not available. In addition to the escrow issue I received a letter dated XXXX XXXX, XXXX informing me of a Data Breach and that some of my personal may have been hacked on XXXX XXXX, XXXX and I should contact a third party to determine if my identity has be compromised. I find this a complete dereliction of fiduciary responsibility and could this be why there is no representatives available to take phone calls.
Consumer complaint received 2024-01-21
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: Security Credit Services, LLC (NY)

I am XXXX XXXX, I am submitting this complaint for XXXX. No XXXX XXXX is involved. Unknown account appears suspicious. Security Credit Services stole my identity. I never gave Security Credit Services permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over XXXX XXXX.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I own a media company. On XX/XX/2022, I hosted a XXXX XXXX XXXX in XXXX XXXX XXXX that was sponsored by XXXX XXXX for {$11000.00}. As part of XXXX 's vendor intake process, I was required to fill out a form with my bank information ( See " XXXX XXXX '' in the attached pdf ). I accidentally provided the incorrect account number for my account at Chase Bank ( 2 digits being switched ). XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX sent wire payment instructions to Chase using the incorrect account number and the money was placed in the wrong person 's account. 

I provided the correct number and asked the client to issue a wire recall. XXXX  XXXX XXXX did request the recall however, Chase has refused to return the funds to XXXX  XXXX XXXX. Chase 's reply was that they are " waiting for Debit Authorization '' from the account holder in order to return the funds. The issue is that given the account number and beneficiary name did not match, the wire should have never been processed by Chase. Chase is simply trying to avoid liability for their own control/process failure. 

I've been attempting to obtain the funds for over 1 year now to no avail. Chase executive office has been avoiding my phone calls and inquiries. I have been given the run around for more than 1 year. 

Chase then contacted me stating that once the bank received a " Hold harmless letter '' from the client bank ( XXXX  ), the funds would be returned. After another month of chasing Chase for a response, the bank stated that the funds would not be returned because " there are no funds available. '' The solution I am seeking is for Chase to return the {$11000.00} back to the client bank ( XXXX  XXXX XXXX ) so that they can correctly wire the funds to my account. 

I have also attached a pdf that includes all of the evidence related to this case. I am not only prepared to get local NY media involved, I am prepared to notify my network of over XXXX social media followers and pursue legal action.