davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX and Experian failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from XXXX XXXX  and Experian. The proper account number according to my monthly statements from XXXX begins with a XXXX instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in XXXX XXXX, along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated Experian credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by XXXX, XXXX, and Experian, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated (OK)

Way2go wouldn't let me transfer my funds to my personal bank account. 
on XX/XX/2020 made two attempts to try and withdraw money from an atm, on the 3rd try it says ( I exceeded my daily limit ) without giving me my money. I have had no problems prior to this. now can't get money to pay bills.
Consumer complaint received 2024-04-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

Dear Sir/Madam, I am writing to file a complaint against VANCE & HUFFMAN LLC regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by VANCE & HUFFMAN LLC regarding an alleged debt in the amount of {$720.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to VANCE & HUFFMAN LLC or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to VANCE & HUFFMAN LLC disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, VANCE & HUFFMAN LLC has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against VANCE & HUFFMAN LLC for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-19
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. (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 : Account Number:XXXX  Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-01
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. (GA)

I sent dispute letters to Experian back in XXXX and the report came back that it was reported correct. But XXXX  XXXX  corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I ordered something via paypal for {$68.00} and disputed it on XX/XX/XXXX when i realized the company was a total fraud. paypal denied the dispute however i still have not received the merchandize and paypal facilited a fraudulent charge as well as fraudulent tax rates. PP D XXXX. XXXX are the paypal order numbers and dispute numbers
Consumer complaint received 2020-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Four Directions Lending LLC (IL)

West side lending a website lists an email for customer support that is not a valid email. They have a live chat option however no one responds to your chat. I have contacted this companys phone number numerous of times over the past 9 days at 2 different phone numbers listed on their website and each time I call I am unable to speak with a representative and have to leave a message. Today is day 10 and I am still unable to contact this company regarding postponing a payment.
Consumer complaint received 2020-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery Associates are the scum of the earth. Fraudsters and bottom feeders, and they have tainted my otherwise perfect credit report. In the middle of a pandemic I was rejected credit ( I'm a month behind on rent already ) because I found out my score dropped from XXXX to XXXX thanks to the bottom feeders at Portfolio Recovery Associates. They fraudulently added 3 collection accounts to my credit report 'see attached. None of which is mine, the worst part is the XXXX XXXX  $ XXXX collection account was fraud. I fought it and still have document from XXXX XXXX stating I never have anything to do with it. I've never done business with XXXX XXXX either, the original creditor of the 2 other accounts. 

Your fraudulent garbage is to be removed from my reports immediately! I'm also seeking legal help because this is simply unfair. They are literally destroying lives chasing a cheap buck, fraudulently.
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sensible Auto Lending, LLC (MS)

At the end of the loan I was told I will receive {$350.00} dollars my title and if I pay it off earlier good credit reported on my three credit report .with no problem. I paid my car off 4 months ago and I have not receive anything .from this company
Consumer complaint received 2023-05-29
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. (LA)

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 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 2020-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (IL)

On XX/XX/2020, I contacted Macy 's at XXXX and requested to add my daughter XXXX XXXX on my credit card as an authorized user. They requested her full name, date of birth, social security number and home address, in which was provided by me. I instructed them to only send the credit card to my home address. 

On XX/XX/2020, XXXX informed me that the information was not reported on her credit report and I had not received the credit card. So I chatted online with Macys representative to discuss the issue. And Macys representative called me on my mobile at XXXX, according to the time stamp on my phone. 

Representative told me to call XXXX, I did only to be transferred three time. Basically, I am trying to figure out the reason for requesting my daughter personal information and not report it on the credit bureau? and the reason for such data? 

Macys representative told me to call XXXX then they told me to call XXXX. Everyone keeps blaming the other and then stated the information is not in the system, or the credit bureau should had reported. This ordeal with Macys started at XXXX til XXXX with no resolution. 

Called XXXX  on XX/XX/2020 at XXXX, no human came to the phone to address this issue, called XXXX  other number at XXXX, they redirected me back to XXXX. 

These interactions are done out of this country. How are they allowed to break regulations in United States by obtaining our private information such as social security number, date of birth and home address and possess absolutely NO accountability. 

Could someone please uncover the reason Macys representative from another country obtained my daughter personal information and didn't report activity on her credit report? What was the reason for collection sensitive HIPAA data?
Consumer complaint received 2023-01-07
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. (NC)

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

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 2020-10-01
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: AmeriCollect (GA)

Americollect is not my bill! I tried to dispute it with the company and they told me they would mail me a copy of what it was. ( I had to look up Americollect! I had NO idea who they Were. I tried to dispute it with the credit bureaus but get a result that it stays! I am being harassed by the phone calls and its affecting my credit for a bill that is not mine
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

Sent a notice to TD Bank on XX/XX/2020 that a checking account through their institution was fraudulently opened in my name. Sent this notice after my parents received the first account statement from TD Bank at their home address ( my previous address ). This was the XX/XX/2020 account statement that made me aware an account was opened fraudulently in my name. Requested that TD Bank close the unauthorized account and take steps to remove information about the account from my credit files. Requested a written correspondence explaining their findings and confirming the account was closed. 

Never received response from TD Bank. 

My parents received another account statement from TD Bank XXXX XX/XX/2020 account statement ) suggesting TD Bank has not taken any action after I initially notified them of the unauthorized account.
Consumer complaint received 2022-11-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation.
Consumer complaint received 2020-10-01
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. (LA)

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 talked to Transunion about the issue several times about this issue I have 11 unknown hard inquiries they told me they where going to remove the each time I called still hasnt XXXX back off my report I would like them remove permanently off of my report
Consumer complaint received 2017-03-02
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Reliant Capital Solutions, LLC (GA)

This debt is being disputed directly with the university. Regardless of that fact they sent it to an aggressive debt collector. This collector has called almost daily and today called a family member who is in no way connected to this disputed debt. On this call they did not disclose they were a debt collector, which is illegal, and they were trying to verify my information.
Consumer complaint received 2023-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I contacted Navient a little while ago asking them to not contact any third party through the FDCPA rules about a debt a may or may not owe. They responded and said they do not do that. Today I was informed by a family member that they were contacted by Navient
Consumer complaint received 2024-04-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (GA)

I signed up to get my XXXX XXXX at XXXX XXXX XXXX. They took pictures of my teeth and sent me a box of retainers in the mail. I was told not to worry if they dont fit because the doctor will size them for me and trim if needed. 

From the third pair of retainers on, my gums were cut by the retainers. I assume they needed sizing. That is when I found out that XXXX XXXX XXXX had gone into bankruptcy and closed down. I reached out to them and was told they had no one to see me, but would let me know when. During this time. I continued to be charged monthly and am still being charged monthly for the retainers. I disputed the charges then received a letter from Healthcare Finance Direct ( HFD ) XXXX XXXX XXXX that threatened me that if I did not pay, I would be sent to collections
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (WA)

My school got XXXX down n I am fighting to prove that I am being used for money purposes and for con artists to use me to gain in life and am not able stop having a debt n having collectors after me n my kids too. And also the whole schism was to only get my money n loans then the federal government said that they shut the school down so it looks like the FBI is one responsible for stealing my loans n its close to XXXX XXXX in how much I got ta pay back n I need this to end Im being abused n treated like Im nuts so could you plz help me n contact me at XXXX to discuss further options now thank you XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, Wa XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (MO)

XXXX XXXX was contracted by a former business I was a partner in. The business was sold on XXXX to my other business partner. XXXX sent an invoice in the form of XXXX to me following a disagreement that she had with the owner of the business stating I was responsible. I responded and told XXXX, the owner of XXXX, that I did not own the business. I gave her all of the contact information of the new owner and the attorney who handled everything on the sale and was handling any debt that the old partner did not pay. The old partner ended up not paying anything and when I logged into my credit, I saw that ally had sent ME to collections. I contacted XXXX XXXX at thunderbird and explained. I also asked him to send any signed agreements for my attorney to review but he has not provided anything to confirm the debt. This not only is not my debt, I have evidence that the person who reported this knew that this was not my debt and still sent this in. The dates of service is XX/XX/19 which legally, I had zero association with the business in any capacity on that date. This is unethical on both XXXX XXXX and XXXX at XXXX. This has affected my credit and made a huge difference on interest rates for an investment condo I planned on purchasing. Please help asap.
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

For the last year I have received over 100s of calls from Portfolio recovery ( the collection company who bought the debt ). They continue to call me from a multitude of phone numbers.In 2021 I disputed the account with XXXX and requested that they validate the debt. XXXX XXXX XXXX  never sent me documents verifying the debt they just sent an email saying that the company verified the debt, but I was never able to view the documents to validate the debt for myself. Furthermore, the debt has continued to report even though it is over 7 years old, and without me having the documents to verify I owe the debt which I rightfully believe I do not owe this debt, under perjury of law.