davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for an American Express Platinum Card XX/XX/year>. On XX/XX/year> I received a written notice from American Express that my application was denied. On XXXX XXXX I sent the underwriter a letter requesting my application be manually reconsidered, according to 15 USC 1602 ( l ) and 15 USC 1681 ( a ). I received another denial. The specific reason ( s ) as to why I was denied is irrelevant because I have a right to credit and withholding my securities is securities fraud!! American Express is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! I also call New York and told the supervisor about the securities fraud, He said it nothing he can do, and to call new york and tell them, but he gave me no directives as to who to contact or what department to contact. I was asking for ADVERSE ACTION. American Express unlawfully refused.
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (AL)

About XXXX  days ago a mass scam text message was sent to most, if not all, Gemini account holders. I have screenshots from social media to back up everything I'm saying. The scam text was the result of a Gemini hack about XXXX yrs ago that I have never been informed of. 
Gemini has not addressed this mass scam text. When their customers contacted Gemini because it's clear our info was part of a hack Gemini 's response was to freeze our accounts and make it impossible to gain access. 
This is a common technique among crypto exchanges - freeze people 's accounts and then never give them back access so they lose all their crypto. 
It would not surprise me in the least if Gemini DID send that text as a way to then go and freeze everyone 's account who contacted them about it. 
This is typical XXXX  crypto behavior that the government must rein in! 
I had to answer a bunch of questions from Gemini, change my password, and take a pic of myself holding my drivers license and a piece of paper with the date and a " special code '' on it. This is XXXX. 
My account was NEVER compromised - and if it was it's because of Gemini - there are no unauthorized logins, no crypto is gone. Yet Gemini is making me out as a criminal who must jump through endless hops! 
Literally, every day they tell me to complete a new task- it's like they think this a a scavenger hunt. XXXX XXXX! 
The last email tells me to download some tech I have no idea what it is, or how to use it. 
I'm not doing that. 
All I did was report a mass scam text that so many others reported too and are now locked out of their accounts - again - did Gemini send this scam text intentionally because they're about to have to pay out tons of money for a huge other scam they were involved in??? 
The feds have got to do something about these criminals- now! 
I want my account unfrozen immediately. 
If I miss any deposits Gemini will be responsible because this is absolutely them acting in XXXX XXXX and most likely they did this to steal people 's money by freezing their accounts. 
The government must look into this immediately as it was a mass scam text and numerous people reported it and had their accounts locked for simply reporting the text. 
I will be writing to the DOJ in DC to also let them know what Gemini is doing and that this is probably another fraudulent scam to try and cover the bills for their other fraudulent scam. 
I have also filed with the FTC and will be calling the SEC tomorrow.
Consumer complaint received 2023-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

After reviewing my credit report, I discovered that a collection agency called Account Resolution Service is pursuing me for an outstanding balance of {$630.00}, with a collection date of XX/XX/2021. According to their report, I visited XXXX XXXX XXXX XXXX on that date, but I have never been there or had any business with them. Upon further investigation, I discovered that many others have also been wrongly sent to collections by this company for services they never received or were not billed for. This fraudulent activity is damaging not only my credit score but also the credit scores of numerous others. It is imperative that this company is reported and held accountable for their actions. They have call me endless times to my phone number and I continue to tell them I do not know this place and they continue to persue with harassment calls.
Consumer complaint received 2024-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OH)

Last fall XXXX around XXXX I submitted a form via Nelnet 's Contact Us form on their site because I can't access my account. I don't have that same student email address and my college is no longer forwarding emails once you are not enrolled. I haven't went to XXXX XXXXXXXXXXXX for 17 years. I can't call during the week because I work and can't sit on hold nor talk freely while at work. In addition I have to travel to and from work and can't be on my phone due to cell phone laws about driving and being on the phone. Today I received an email from Nelnet to my new email address of XXXX saying I am past due and owe XXXX XXXX I can't get a password reset because they keep sending it to my old college email of XXXX and then I'm getting an internet error too. They have never responded to issue although I submitted it online 8 months ago. Therefore I've been paying {$5.00} per month because that was the last arrangement made for payment of my student loan. I need to be able to access my account online as well change my address, etc. If they have my new email if XXXX then why isn't that being used to help me reset my email and password? Please help!!!
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aubrey Thrasher, LLC (FL)

When my Account closed I owed {$55000.00}. This collections company contacted me saying I owe over {$81000.00}. I told them I could make payments for the {$55000.00} and the amount I could afford. They replied back saying they could only take the full amount or they would sue. They continue to contact me threatening that they are going to file paper in court and sue me. 

Today XX/XX/year> at XXXX they contacted my business and told my receptionist that they were going to file the lawsuit today unless I pay the full amount Today on XX/XX/year> at XXXX they contacted my Sister and told her that they needed to get in contact with me and gave her a case number. 

I sent them an email today informing them to cease and desist contacting 3rd parties. 

Here is the contact information for this company : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney at Law Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

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,, 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. Your prompt attention and response are both requested and required
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freeway Funding, Inc. (CA)

Hey the credit bureaus are not validating my accounts and they are not holding up to the regulations and are not making the collection companies hold up to the regulations and laws. My letters are attached.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (UT)

Trying to get my free report from AmRent with no success. I sent the email asking for a free report and they replied via email and said theyll only work with me via phone, fax ( fax?! ), or physical mail. Tried to call the number and the reps have absolutely no idea what to do or where to transfer me. Saying they have compliance and privacy departments but no way to transfer to them. Just had the same issue with both AmRent and XXXX.
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

https : //www.portfoliorecovery.com/ keeps calling me. I get the same caller id from PORTFOLIORECOV with different numbers every time. They robo call me about a few times a week and instantly hang up and sometimes transfers me to an agent where I tell them they have the wrong number. They will not stop calling and they keep rotating their numbers so I can not block them effectively. I have not debts with them or anyone.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

LexisNexis has reported information on me that is false and does not belong to me. Including addresses and names that are not myself. This information has been used to open accounts that were not approved by me. Incorrect Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Names ) : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ( PHONE NUMBERS ) XXXX, XXXX ( EMAIL ) : XXXX, XXXX, XXXX. All of this information hs been reported by LexisNexis and violated meand allowed fraudulent accounts to be opened without my permission. I have filed a Identity theft report or al ; of this fraudulent information.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NJ)

On my lexis lexis consumer report for car Insurance and auto claims there are a few items that have to be removed from fraud. XXXX XXXX XXXX have reported last month that they back in XXXX there was a data breach which unfortunately I was a part of it causing a lot of fraud activities to occur with my identity. Also my wallet was lost and stolen around XXXX attached below will be a police report that states the information this had a major impact on my stolen identity and personal credit.Below are the fraudulent items that needs to removed. 

Adresses that are fraudulent XXXXXXXX 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 XXXX XXXX XXXXXXXX Below are the fraudulent and I don't recognize claims that need to be removed Claim # XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX below are fraudulent inquires that needs to be removed 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 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 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 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

I wanted to provide supporting documentation regarding the dispute. With my Google Ads I received a notification that I had to remove the zip code associated with my Google Ad, as zip codes now fall under housing discrimination. Since I am a XXXX I can only provide services that are local to me. I reached out to Google with a phone call on XX/XX/XXXX. I was on hold for over 3 hrs ( attached ) without speaking to anyone before I finally disconnected. I reached out to them the same day via their chat option. I explained on the chat what was going on and followed the instructions of their agent. I was reassured my XXXX would still only show locally. I have screenshots of the chat. On XX/XX/XXXX I noticed that my ad was being shown only in XXXX, a location I can not service. I immediately paused my Ad, which should prevent it from being active. I contacted Google and was advised that I was supposed to change something with a target location of the XXXX in addition to what I was advised by their agent on XX/XX/XXXX. On XX/XX/XXXX I asked for a refund and was advised they would not issue a refund of the {$500.00} that had been spent advertising in XXXX. I also have screenshots of that chat. In addition I received a call from one of their reps in XXXX. I did not get her name. She said they would not offer me a refund and that request for a refund has already been denied twice by the department, the best she could offer was a {$100.00} Google Ad Credit, which I refused. I subsequently noticed an additional {$63.00} charge from Google on XX/XX/XXXX. Since my ad  was still paused, there should not have been any additional charges. On XX/XX/XXXX I had a video meeting with my new account manager XXXX. We went over my ad in great detail and I made my ad active again. I asked him about a refund of the {$500.00} & {$63.00}. He said he can't help with refunds and referred me to the department that has already denied my request at least twice. 
I have since contacted Google directly 3 times to get the balance removed. When I call they say the department I need to speak with doesnt accept phone calls, when I chat with them they also say the department isnt available via chat, only email. When I email them someone will call me and I try to explain what happened. They say theyll look into it and I never hear back from them this has happened over 3 times. Google is denying my request for a {$560.00} refund because the target areas I requested were excluded. I explained that any changes I made were at the guidance of a Google employee and provided screenshots of the chat conversations as support.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

XXXX XXXX XXXX XXXX  ; m writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXXXXXX ; XXXX alarming to have to go through these things, and the implications for me are profound. 
As outlined in 15 U.S. Code 1681c-2 ( a ) ( b ), your agency has a really important duty UNDER FEDERAL LAW to block information stemming from a identity theft scenario. The requirements are unambiguous : 1. The provision of a valid identity proof of the consumer.

2. A duly filled identity theft report.

3. The identification of questionable entries by the consumer.

4. A declaration from the consumer dissociating them from any transactions related to the said entries.

Further, subsection ( b ) details your responsibilities in terms of swift communication to the entities who furnished the questionable information.

To reiterate, in accordance with FCRA 605B, XXXX XXXX XXXX XXXX  ; ve furnished all necessary documents, reports, and statements to your financial institution. Now, it & # XXXX ; XXXX your turn to act, and it is long over due. I expect, and the law mandates, that you provide me with evidence of your proactive steps in this matter, including informing relevant parties and placing a block on the questioned information. 
Your inadvertent oversight has already dealt a heavy blow to my financial reputation, causing personal distress and consequential roadblocks in my endeavors. Such transgressions can not be taken lightly, and I urge you to redress this situation without further ado. Failing to act judiciously may leave me with no choice but to seek legal recourse. 
XXXX XXXX XXXX XXXX  ; XXXX paramount to recognize that while your organization wields profound influence over consumers & # XXXX ; lives, this power comes with great responsibility. Our birth certificates and the information they contain, our very identities, should be sacrosanct. 
I await your prompt attention to this pressing matter, but I am not finished.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Deinde Online Services, LLC (MT)

I am receiving harassing phone calls. They have also called my family members threatening legal action regarding some account with integracredit. They are calling from numerous different numbers. Today they called from XXXX and wanted me to call XXXX regarding case XXXX. 

I have never had an account with integra credit and am furious they continue to call me and my elderly mother