davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NJ)

MRS BPO , LLC debt collections violated my rights under FDCPA. The debt collector illegally park a unvalidated debt on my consumer report to all 3 CRA 's XXXX XXXX, and XXXX without contacting me over a allege debt not owed by me. They are continuing collection attempts on a un-validated debt after being told to stop, and they are continuing communications after being instructed to cease and desist. 

XXXX XXXX XXXX XXXX XXXX  AMOUNT {$190.00} My consumer rights were violated on XX/XX/2023 where MRS BPO illegally parked a allege debt on my consumer reports that made, 1. False representations, or representations that lack substance 2. MRS BPO did violate my rights by not providing validation notices to me the consumer giving me the information I needed to dispute allege debt. 
3. MRS BPO knowingly provided information to credit reporting agencies that they knew, or had reason to believe, was not accurate in violation of 15 U.S.C 1681e ( b ), and violated the FCRA 15 USC 1681b ( A ) ( 2 ) by accessing by consumer credit file without written consent or authorization by means of aggravated identity theft pursuant to 18 USC 1028A. 
Therefore this debt was never validated so on XX/XX/2023 MRS BPO , LLC received a letter dated XX/XX/2023 Certified mail number XXXX to stop collections attempts on this unvalidated debt. This debt collector was notified to the fact that because of their violations that I refuse to pay this allege debt and also to cease and desist all communications pursuant to 15 USC 1692c ( c ). As of the date of this complaint MRS BPO , LLC continues to violate the FDCPA by willfully continuing with the infractions mention above.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

I called MOHELA about the public student loan forgiveness program that I was entered into on XXXX. The documents that they needed were provided by my employer. When I called the other day to get more information because I had changed jobs, they said they wouldnt accept the forms from XXXX  because the dates that were entered were not accurate in the date format. The dates they have for my start date with that employer are correct, but the end date is incorrect. I told the customer service representative that, and she ignored me. I also asked for assistance with help now on paying my loans and she ignored me. I then asked to talk to a manager, and was on hold for 45 mins and never got to speak to a manager. I was told extremely upset, and even more frustrated that if the forms were some how filled out incorrectly why wasnt I notified in XXXX? Can I please get some help with this? The company is making claims that arent even correct all so they dont have to help you. This is beyond upsetting!
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i checked my credit report today XX/XX/2023 and when i seen my report i seen that there was a XXXX credit card opened and maxed out a card in my name XX/XX/XXXX XXXX i was not made aware and had no knowledge of this account until i got into my credit report and seen this derogatory remark of a closed account on my account i called them to get it removed now its been longer then 30 days seen i have seen any changes so now im taking it up with you guys to get this account removed off my report please help so i can be able to achieve the things that i want financially
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (FL)

Received first call/Vm on XX/XX/XXXX from unidentified women stating that the voicemail qualified that I had been served notice on a unpaid debt and left a case number ( XXXX ) Returned the call and was asked if I would be home the next morning so they could serve me. I said no, as I was in NY for work. She gave me a phone number to call ( XXXX ) Called and spoke with a XXXX XXXX. XXXX said he was with a law group called https XXXX XXXX  and informed me that they were trying to collect an unpaid debt from XXXX with a lender called First Merrit Bank/Huntington Financial . He said they had been sending letters to my address and because I never responded, that meant I intended to dispute in court. I have never received any such letters and I confirmed with him that he had the correct address on the phone. The balance he was trying to secure was {$2100.00}. He said if I would settle that day as it was the last day of the month it would prevent them from filing a law suit against me, costing {$3800.00}. I told him that Ive never borrowed from that financial institution and asked for a contact number to call and talk with someone there. He said you can google for it. He did not provide me a phone number or any specifics as to what I had supposedly purchased or borrowed that amount for. I said I need to call them and call him back. I called the Huntington, formerly First Merritt and was on the phone for 28 minutes while they searched their records for my SSN going back to XXXX. They have no records of me, my SSN or any outstanding debts. 

I called XXXX XXXX back to let him know. He said, it must have slipped through the cracks and the bottom line is that they have my information and need to collect the debt immediately to prevent a law suit in court. He still would not share any specific details other than First Merrit bank. He emailed me a form for electronic signature and to make the payment with credit card. 

I did not click on any of those links. I called the social security office to let them know that my SSN had been compromised. They said to immediately put a freeze on my credit reports with all 3 major reporting bureaus and I did. The representatives at the credit reporting bureaus also did not see that I had any unpaid debts going back to XXXX and confirmed that this was a fraudulent collection effort. They also said to file a report here. 

XXXX XXXX called again today ( XX/XX/XXXX ) asking if I had made the decision to pay now or go to court. I let him know that I felt strongly he was a scammer. He then switched up his story from being with a law group, to a company that buys debt to collect. He was actually very polished and convincing. I can see how he would be able to successfully steal from people. I told him that he needs to overnight me a formal detailed hard copy of the supposed debt. He said he would priority mail something. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (OH)

XX/XX/XXXX  : Recieved a notice of Garnishment from local court from XXXXXXXX XXXX XXXX. I had not been previously contacted by them for possible legal action. 
XX/XX/ : Finalized repayment plan to avoid garnishment, {$75.00} bi-weekly. 
XX/XX/ : Notified that a garnishment was taken out of XXXX from my paycheck for XX/XX/. I also recieved a letter that same day stating XXXXXXXX XXXX XXXXXXXX was going to debit {$75.00} from my bank account. 
XX/XX/ : XXXXXXXX XXXX XXXXXXXX is refusing to apply the XXXX that was already taken via garnishment from my paycheck and refuses to refund me that money.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION (CA)

I started a dispute with the bank under the understanding that I would be protected by Visa 's zero liability policy. According to the bank 's website disclosure, it states that it takes five days to receive the provisional credit after submitting a dispute. After filing the dispute and waiting two weeks ( 14 days ) without getting the provisional credit, the website agreement does not mention anything about high priority cases taking longer than five days. The bank has violated my rights under the zero liability policy, as the company misrepresented itself in the account agreement and disclosure by stating the credit would be applied in 10 days, rather than the 5 days stated in Visa 's zero liability policy on their website. The account opening learn more tab said my account type was covered by Visa zero liability. evidently.
Consumer complaint received 2018-06-25
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. These account are XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

On XXXX XXXX around XXXX XXXX an individual from Diversified Consultants Inc. called my home number looking for XXXX XXXX. My wife answered the phone and told them ( 1 ) we do not know who this is, ( 2 ) no one by that name has ever lived at this number and ( 3 ) we have asked and been told multiple times when this company has called the number would be removed. They told us today it would happen. Problem is they always promise and then call back. On Thursday, XXXX XXXX, around XXXX I spoke to XXXX XXXX, told him the issue and asked to talk with a manager, he put me on hold and then the line went dead. I called back at XXXX XXXX, spoke to someone and asked to speak with a manager. I was transferred to XXXX XXXX in XXXX FL at XXXX. XXXX promised me my home number would be removed from their files. This is the second time I have filed a complaint about this issue. The last time was in XXXX of this year. Your agency told me the problem was resolved. It is my opinion they simply " sold '' the file to a sister company in a different state. Not sure how else to explain this.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I received a letter from XXXX XXXX XXXX in XX/XX/XXXX regarding a time-barred account that they claimed ownership of due to the purchase from Synchrony Bank/Care Credit . The amount of the alleged debt was {$790.00} listed under account XXXX. I sent a letter to XXXX requesting validation and never received a reply. On XX/XX/XXXX, I sent a certified letter to the credit reporting agencies asking for a re-investigation as the account was reporting on my credit report and I also sent another debt validation request via certified mail to XXXX XXXX XXXX. I received a letter back from the agencies that the account was deleted and a letter from XXXX for an account addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX XXXX. My name is XXXX XXXX XXXX and I have never lived at the address on the account so I knew that that XXXX had mixed accounts. I also looked at the account and noticed the account number was different from the information on my credit report as it was XXXX and the credit report listed it as XXXX. The balance was higher and I have never had a Synchrony Account with a {$3500.00} limit. I informed XXXX XXXX XXXX that the account they are attempting to collect on is not mine and that their accounting records are off. In their response they continued to claim the information was accurate and that they are continuing collection efforts against me on a debt that does not legally belong to me. I informed XXXX that this is debt tagging and they are committing fraud and violating the FDCPA, Privacy, and State laws. They have compromised the privacy of financial records.
Consumer complaint received 2022-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/22, XX/XX/22 and XX/XX/22, amounts, call Capital One to resolve this issue with the company In according with Fair Reporting Act, this credit Capital One has violated my rights under 15 U.S. Code 1681c 602 states I have a right to privacy ; 15 U.S. Code 1681 604a section 2 a consumer agency can not furnish an account without my written consent and 15 U.S. Code 1666b a creditor may not treat a payment on a credit card account under open credit plan as late for any purpose.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-03-27
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. (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. I sent my XXXX verification letters on XX/XX/2023 here are my tracking number for all XXXX credit bureaus : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (VA)

I HAVE SYNCHRONY ACCOUNT I KEEP PAYING THEM FOR THE LAST XXXX MOTH AND I STILL XXXX ACCOUNYT NO ENDING WITH XXXX A CALL THEM WHEN I APPLY AND I BEIAN TOLD THAT IF YOU PAY THE XXXX IN 18 MONTH IT WILL BE NO INTREST RATE AND I START PAYING EVERY MONTH MORE THE {$730.00} TODAY WHEN I CALL AFTER ALL OFF THIS TIME I BEAN TOLD BY THE MANGER NAME IS XXXX XXXX ID XXXX THAT I SIGIN FOR COMPANY TO ADD A FES EVERY MONTH EVEN THOTH I DID NOT SIGHAN FOR ANYTHING THE ONLY THING I SIGAN FOR IT THE AUTOMATICK PAYMENT WHEN I CALACLAUTE THE PAYMENT XXXX IT SHOULD BE ENDING MY PLANCE NO ONE OR ANY STATMNET BEING RITEN OR NO ONE TOLD ME THIS IS BIG SCAM PLEASE HELP ME
Consumer complaint received 2022-07-26
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX NEVADA XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2500.00}
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (GA)

The company involves XXXX XXXX XXXX XXXX XXXX. Georgia . I have paid there bills through numerous collection agencies and they seem to be repeating themselves. I have not been to an emergency room in a year. They're recent collection agency is : Elevate Collections XXXX XXXX  XXXX XXXX XXXX, TX XXXX It's beginning to feel like extortion! Every time my credit score seems to improve I get a collection notice from XXXX XXXX XXXX.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Found a vehicle for sale online and was told thru the website to transfer money for the selling price to a Bank of America account in XXXX, XXXX 
Shortly after providing proof of the transfer, the website was no longer available. When I contacted Bank of America and requested help with the recovery of funds, I was told that it was a voluntary transfer and there was little they could do. I filed a claim with the banks fraud department but haven't had any replies to my calls. Have filed a police report with my XXXX XXXX police as well as the FTC.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am extremely frustrated and disappointed to inform you that someone has opened an account using my personal information on Bank of America, and attempted to do the same at XXXX XXXX and XXXX. This is a clear case of fraud and identity theft, and it has caused me a great deal of stress and financial harm. 

This fraudulent activity has already had a negative impact on my credit score and financial stability, and I refuse to suffer any further losses or damages as a result of this criminal act.
Consumer complaint received 2023-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I filed a dispute Experian, over the phone and had the worse experience trying to have old addresses, and names that I don't us because I am not married and have not use at least XXXX of those names in over 15 years. I am being informed that they can't remove the old addresses. Can I please get assistance with this issue. I am aware of the lawsuit concerning a similar issue with Experian. 

These addresses and names are no longer associated with me.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX