davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XX/XX/year> I was served with a lawsuit to my home from PRA for an alleged debt that they say I owe them. I owe this company nothing and I completely deny this debt. I had absolutely no warning about this suit until I was served at my home by the process server and I do not know who these people are or why they think I owe them this money. 

I filed a complaint here with the CFPB about this action. The company first sent me a letter ( dated XX/XX/year> ), stating that they were interested in providing a permanent hardship whatever to me for dignity and a bunch of other words that they clearly did not mean and were only saying so they'd have something nice to show the CFPB to have them close the first complaint. I filled out this form ( XX/XX/year> ) provided an XXXX statement from the XXXX and waited XXXX and waited. I also pointed out to PRA that they had a suit against me that would have to be withdrawn if they were truly interested in making this right. To date, I have received no response to any of this. 

It is clear that PRA was just providing lip service to CFPB and has no intention of doing any of these things that they said they would do. They have not dropped the suit, they have not answered my request for confirmation that they received my paperwork and they seem to be running down the clock on the lawsuit that they filed in hopes of a default judgment against someone who owes them nothing and lives off of XXXX. Unbelievable.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Delete this account for Violation and inaccuracy because the date open of the account the Account name XXXX XXXX  Account number XXXX reported is incorrectly on XXXX, XXXX and Transunion ; again the DATE OPEN is incaccurate. In addition, number of late payments and status of account on XXXX do NOT match with XXXX, XXXX, and Transunion. Balance is incorrect, and Date reported are incorrect on XXXX, Transunion and XXXX
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions. 
check all negative accounts that they are 100 % accurate, if not remove them. 
Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements. 
If no proof is provided, remove them from my credit report.
Consumer complaint received 2024-05-28
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. (VA)

This account status of XXXX XXXX Account # XXXX status has been inconsistently updated. On Transunion status is " CLOSED '' On XXXX status is collection/chargeoff and on XXXX status is 120 days late. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (IL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

I recently filed a complaint with BBB regarding a account that is not legally mine. Included in the documents sent by Credence they state the account was under contract in a different legal name that I have never had nor used. My legal name is XXXX XXXX XXXX. They have this account legally belonging to XXXX XXXX. I have sent a verification letter certified to this Collection Agency, and they sent back verification with a bill. They can not provide adequate proof of this account legally belonging to me. This is against my rights as a consumer. I am attaching the documents as proof of this false account being reported on my consumer report with all the credit reporting agencies.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Delete this account for innacuracy from my credit because the date of removal from my XXXX report was XX/XX/2024. Transunion is showing as actived ; reported date XXXX XXXX Account name XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Account name XXXX XXXX  Account number XXXX
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (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. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Reference number XXXX Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States that I have the right to privacy.

15 U, S.C 1681 section 604 A section 2.It also states that 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, any other adverse item of information, other than records of convictions of crimes with antedates the report by more than sever 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

While being on a vacation in XXXX I needed some amount of cash and made an online transfer to myself in {$200.00} using Western Union website on XX/XX/XXXX. On XX/XX/XXXX I realized that the funds will be available to pick up only on the day when I have to fly back and I cancelled the transfer. According to the cancellation receipt I had to receive money back in 7 business days but it has been gone already three calendar weeks and I still have no money on my account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BETHPAGE FEDERAL CREDIT UNION (SC)

I paid of my HELOC loan ( not closed the account paid of the balance ) on XX/XX/XXXX and XX/XX/XXXX. The intent was to pay off the balance and not close the HELOC line of credit. I was told to monitor the account to see if any charges show up and i can pay it off and i don't need to pay anything else. I was monitoring the account and i didn't see any charges on my account am attaching the statement balance for XXXX and XXXX. Suddenly they accessed me for a late charge in XXXX and reported credit bureau my account is past due which has impacted my credit score a lot. It has gone down from XXXX to XXXX. I contacted them but no one picks up the call left them a voice mail, sent them email no one responded back yet so am filing a compliant. 

Note : I paid off the balance on XX/XX/XXXX after I learnt that I had a balance due for {$100.00} and the statements never mentioned about any balance due Documents Attached : XXXX : Statement for XXXX XXXX : Statement for XXXX Bethpage_Balance : Snapshot from my online Portal Please feel free to let me know if you need any other documentations
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX  days ). Please let me know if you require anything else. Please remove the following items as soon as possible : 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 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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.
Consumer complaint received 2023-08-03
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KY)

I started paying back my student loans sometime last year and I was eligible for forgiveness on the loan but was not informed from the company my loan is through ( Nelnet ). A different company contacted me and told me I was eligible and told me that nelnet should have contacted me about the forgiveness. They told me I could file against them
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

I sent a letter on XX/XX/2023 to remove : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2024-05-24
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. (WV)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under XXXX. The following items are UNKNOWN to XXXX. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

The price went from XXXX to XXXX the representative XXXX told me to find new insurance and she don't blame me because it is a lot she suggested two other insurance companies.. XXXX advised me she would cancel my car insurance on XX/XX/2022 before the insurance was due since I found another company.. then I received a bill for XXXX which is not mine because XXXX stated it was XXXX on XX/XX/XXXX XXXX I still had the house insurance even though they charge me double the amount to get. It on a payment schedule. Again this is not my bill your representative stated it was cancel.
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

First received notice in XXXX about a debt owed in Los Angeles at XXXX XXXX XXXX XXXX. They state that I have an account from services received, but no details about what services I supposedly got, on dates that I was in XXXX and working in XXXX XXXX XXXX XXXX XXXX ). They state that I was in their XXXX  XX/XX/XXXX and XX/XX/XXXX I was a allegedly a patient there. I have never received services from this facility. I also have not been to Los Angeles for over 20 years. I attempted to call them to inform them that this was not my debt. There was no answer at the number provided. I attempted several times over the course of a few months. I left a messages saying that this debt did not belong to me. There was no response, and still no answer when attempted calling, so I forgot about the supposed debt. 

I have now received a letter from a group called CMRE financial Services , Inc . They assert that I still owe this debt, and if I did not respond by XX/XX/XXXX they would assume that I owe the debt. I have attempted to call them, but again there was no answer. I left another message, again stating that I do not owe this debt, and have never been to the facility mentioned or been in LA. I am worried how this will effect my already woeful credit situation. Please assist me in correcting this matter, as the companies I am dealing with are unavailable for contact. 


Thanks!
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (ID)

I purchased various services through my XXXX account using my Discover Cashback Debit Card. Due to an issue on XXXX XXXX end, my XXXX account was disabled, resulting in a loss of access to the services I had paid for. Upon contacting XXXX support, I was explicitly advised to dispute each charge with my bank since they could no longer provide me with access to the services I purchased. 

Following XXXXXXXX XXXX advice, I initiated a dispute for these charges with Discover. Despite providing Discover with comprehensive proof, including : Receipts and transaction records. 
Communication from XXXX stating that I should dispute the charges with my bank. 
Proof that my XXXX account was disabled and I lost access to the purchased services. 
Discover rejected my dispute, leaving me without access to the services I paid for and without a refund for the charges.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX ( last Saturday  ) I received a message from Goldman Sachs Maucus Bank stated that an external bank, XXXX XXXX, was linked to my saving ( 3 ) accounts at Maucus and also attempting to transfer XXXX from my saving accounts. I went into my accounts and found that XXXX XXXX  was linked to my Maucus bank saving accounts, I have no any relationship with XXXX XXXX  and never authorized such linkage. I canceled the transfre and removed XXXX XXXX  from my " external linked accounts '' at Maucus online banking website. I called the Maucus right away ( three times ), all I was told that I have to call back during the regular business hours. 

I called again on Monday ( XX/XX/XXXX ) and reported the incident to Maucus 's tech support and being transferred to another " Specialist '' who opened three new saving accounts and I transferred all funds from the existing accounts to the new accounts.

However, the next day, Maucus blocked all my access to my accounts, I called a number of times, I was told someone " will call me back in two hours '' to help me unlock the accounts, no one called me back and I got the same answer whenever I calls. 

On Wednesday I asked the bank to closed all my accounts and send back the funds to my accounts with XXXX  XXXX XXXX where all the deposits were made from. However I spent over 6 hours and spoke with over a dozen of " specialist, '' the calls were constantly being interrupt and the bank also block my cell number and email, hence I could not get any identity verification code the bank required to close my accounts. Until XXXX the last " specialist '' told me all my accounts have been closed. 

On Thursday, the bank left a message in the morning and asked me call the bank. When I called, the same story, they told me they won't close my accounts and all funds were subjected a further review which will take 5 to 7 business days. I tried to speak to different specialists, after 3 hours, one of the specialist ( supervisor level ) helped me went through the whole process again and she was able to identified my identity on phone ( called me three times, one call to close each account ) and told me there won ; t be any issue and I should receive all fund back to my deposit account with XXXX  XXXX. Again one Thursday night two person from Maucus call me again and said he/she wanted to identify my identity again This is horrified and so frustrating, Maucus does not protect its customers, when incident occurred with their security system, they just blocked my account instead of finding what its the root cause. 

Goldman Sachs Maucus Bank is poorly managed by a group irresponsible " specialists '' only a few are reasonable, most of them don't know how to respect customers and do their job. This security system of the bank is totally broken, how can the bank allow a third part bank linked to my account without my knowledge and authorization? As yesterday ( XX/XX/XXXX ), they still kept XXXX XXXX  on my accounts.