davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint to Midland Funding, LLC and subsidiaries Complaint to Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Midland Funding, LLC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I have explain several times to company, about account ID Theft, I denied account not mines company continues molesting me and forcing me to account that Is not mines Company list account transaction, thats no proof, they are using my social security number in letters company sends to me, in the event letter ends in other hands due to Midland Funding LLC and subsidiaries I will have another ID Theft issue due to them someone got my private information that is what happen, company is cooperating that my private information leaks and they will be responsible, they are informed. 



I denied account, MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) Find enclose XXXX XXXX XXXX XXXX Account number XXXX Original account number XXXX ID Theft report was filed an sent to your company, your company continues harassing and causing me damages in addition to court matter. 
On letter dated XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX, Refering to MCM no. XXXX which belongs to account ending in XXXX ) and other account XXXX. .find attached letter Additionally, we have made the business decision to close the account, There will be no further collection activity or sale of this account Both accounts mentioned on your letter MCM Account number XXXX original account number XXXX And account XXXX. 

Send me a confirmation letter as for each of the accounts 1- MCM Account number XXXX ( XXXXXXXX XXXX account number ending in XXXX ) and for account XXXX. 
There will be no further collection activity or sale of this account, Please dont XXXX me anymore in Court or any other means, I DENIED ACCOUNT XXXX, Account not mines and account XXXX. 
I sent letter on XX/XX/2022 XXXXTo Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX AS of todays date XX/XX/2022 you have ignore my correspondence to delay matter purposely and cause me more problems .find attached letter Im requesting your company to withdraw case from XXXX XXXX XXXX XXXX court case number XXXX, Within XXXX business days from this complaint You have been also sued by Consumer Financial Protection Bureau on XXXX for violations an ill-gotten gains. find enclose page Your corporation has continue molesting me and picking on me I denied accounts, ID Theft report Issue, stop the collection of both accounts, Midland Credit Management MCM Account number XXXX Original account number XXXX and account XXXX. 

Please I request to have this case completely withdrawn as ASPA I want this complaint to be publish for consumer safety Thank you XXXX XXXX
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

We have been trying to contact Mohela for more than six months regarding an FSA XXXX XXXX loan that we took out for our child. We have written emails, we have called and been on hold for hours, we have texted through their portal, all to no avail. As of recently, their website is inaccessible as well. We get absolutely no response except a form letter stating that our account is in arrears. We are desperately trying to work out a payment plan that is reasonable, considering we have limited income. 
We have ever done everything that we could possibly do to contact Mohela regarding this account and gotten nowhere. Not only is it frustrating, and incredibly time consuming, It is distressing to know that our credit will take a hit due to inaction by Mohela.
Consumer complaint received 2022-10-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$180.00}
Consumer complaint received 2022-10-12
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. (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. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX Michigan XXXX 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 2020-12-17
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. (CA)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I filed a police report and FTC report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: GOLDMAN SACHS BANK USA (FL)

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently got a new card from XXXX but i been had an account with them, i didnt know that they changed my account number also. So i open a credit card with capital one, i paid my bill with my bank card but i use the account number that i had on on file when i first opened my XXXX, i didnt know XXXX  tgave me a new account number they never notified me. So i used the account number to pay my capital one credit card bill and disnt notice till after it wasnt going through so i called XXXX and asked them whats going on and they told me they gave me a new account number so now I finally found out i got a new account number i used it for my capital one credit card bill, it went through to only found out they close my account without warning me and telling me the payment wasnt going through i begged and cried for them to open it back up because i really need it i pay my rent with my credit card but they did not care
Consumer complaint received 2022-10-13
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. (NY)

In accordance with the fair credit reporting act. The list account 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 Has violated my rights. 
15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, XXXX, Experian.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Dear Paypal, I feel extremely sad because they have stolen my money from my account and they have not been able to help me with my case. 
Here I detail the entire problem and the evidence so that you can collaborate with the information provided by the PayPal fraud department.

My account was hacked and several unauthorized movements were made. 

This is the list of Unauthorized activity : Unauthorized home address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. 
XXXX XXXX XXXX, XXXX, VA XXXX. 

Unauthorized Telephone Numbers : XXXX Used to Send Unauthorized Messages XXXX Used to Send Unauthorized Messages XXXX Unauthorized bank account or card link : Unconfirmed Bank Account in the Name of XXXX XXXX XXXXXXXX XXXX XXXX  A total of XXXX Unauthorized Transactions were made to this account from XX/XX/year> to XX/XX/year>. 

CASE ID : XXXX Accessing the account from an unknown device and possibly from another country resulted in a block of access to the account. 
It is important that you be able to validate unauthorized IP connections that were used to access my account. 

ALL INFORMATION HAS BEEN PROVIDED DIRECTLY BY PAYPAL CUSTOMER SERVICE. 

ALL INFORMATION HAS BEEN PROVIDED DIRECTLY BY PAYPAL CUSTOMER SERVICE. 

XXXX MY CONTACT NUMBER IS XXXX
Consumer complaint received 2022-05-16
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. (CA)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 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 2022-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (IL)

My credit report is reporting that I have XXXX accounts in collection ( despite my payment history saying " XXXX XXXX  of payments made on time ). However, they have been closed out since XX/XX/XXXX. They've yet to fall off my credit report and is prohibiting me from making other financial investments. As companies are denying me due to " unsatisfactory payment '' history. 


XXXX XXXX : XXXX XXXX XXXX Originator : XXXX XXXX Opened : XX/XX/XXXX Payment Status : Paid Amount : {$100.00} XXXX XXXX : XXXX XXXX Originator : XXXX XXXX  Opened : XX/XX/XXXX Payment Status : Paid Amount : {$110.00}
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, I did call my bank, Citizens Bank, because I noticed there were multiple charges for " Foreign fees '' withdrawn from my account. I know that during this past month, I did not make a purchase outside the USA. I called their customer service line, where XXXX told me there were fees all the way back to XXXX of XXXX for the same two companies. The Companies in question are XXXX ( XXXX  based company ) and XXXX XXXX ( XXXX based company ). I asked why these fees had been charged to me and the representative told me that they had been done in error and that he would transfer me to the right department to help me. The overcharged are as follows ; XXXX {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$2.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$2.00}, XX/XX/XXXX - {$.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$1.00} for a total of {$18.00}. 

Once I was transferred to the next department, a Supervisor with XXXX XXXX stated the errors were on their end, which I knew and that they ( Citizen 's Bank ) would only go back to XX/XX/XXXX to reimburse the fees they illegally took from me.I told her this was unacceptable and she told me there was nothing further I could do because she is a supervisor and has the final say. The reference number for this is XXXX.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

LexisNexis is reporting a bankruptcy on my credit report from the US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX 
I have a letter from the court stating they do not report to credit bureaus. Or to any third party credit monitoring companies. Nor do they verify or validate any information pertaining to any bankruptcies. 
LexisNexis is falsely reporting this information on my report and to all the credit bureaus. 

I've attached the letter from the court stating as such. 

I've also have filed a complaint with the XXXX XXXX State Attorney Generals office. As this is unacceptable.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (MN)

American Express Serve Pre-paid Card The pending transaction becomes a posted transaction yet Serve will not release the hold/pending transaction. I discovered this recently as I was alerted my card was in the negative. When I looked, I had pending and posted amounts for the same transaction. There were two transactions. One each to XXXX and one to XXXX XXXX lines. I called Serve and they told me that when the merchant finalizes the transaction, the pending/holds will go away. I questioned this because both transactions had posted. The posted amounts matched the final amounts as expected ( slightly different from the hold/pending amounts ). I am having the same issue once again with a restaurant transaction. In looking at reviews, it seems this is a common practice for Serve Prepaid cards and that a number of other users have had this same issue. To me as a consumer, it doesn't feel right. Either it's posted or pending. Not both. Their response is that it can take up to 30 days to clear out the pending. How can that be legal if the transaction has already posted? Thank you!
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} FAIR COLLECTIONS & OUT : XXXX -- -> : {$3100.00}
Consumer complaint received 2023-07-17
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

6. Identity Theft XXXX Account Number : XXXX Delete From My CREDIT REPORT
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

Was denied multiple times for personal loans, business lines of credit, and business loans. My Fico score on the most recent inquiry was XXXX and they denied me any amount for any type of loan, my business had been up, profiting, and established over the minimum " 2 years '' they asked me about criminal history, and I disclosed transparently that I had no law involvement in over 8 years. To all modern standards I should qualify for anything I desire based off credit and income. Recently XX/XX/2022 I noticed they have been taking money out of my account for " service fees '' for the last 2 months, i asked them about it and their response was " sorry sometimes the system changes it back on its own '' I couldn't help myself by laugh because how does one change paper to E statements on an established account that has never since day 1 had paper statements. My ambition is too sue them for discrimination and fraudulent charges.
Consumer complaint received 2022-05-16
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. (MN)

The following accounts and balance listed on my Experian and XXXX credit report are lost/stolen and fraudulent transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-05-16
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: CADENCE BANK (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.