davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery is contacting me regarding a debt that was discharged in Bankruptcy in 2009. I have a new telephone # that I got XXXX years ago and they are calling me as if this is a current or even a valid debt. They are also mailing documents to my home. I have asked that all communication be discontinued but it has continued. I will be taking this call log and document to my attorneys office to see what legal actions can be taken.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (DE)

On XX/XX/22 I tried to log in to my Binance.us account to view funds and make changes. Upon logging in I was met with a screen that asked me to confirm giving Binance consent to my biometric data. The only option on this screen is to consent ( agree ) or return to the home page where I can not access my account. So, in other words, I have to agree to them sharing my biometric data or they will not give me access to my funds. 

This is illegal, and Binance US should be prosecuted.
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (MS)

There was a loan taking out in my name i wasn't aware of until it showed up on my credit and i start receiving letters saying that i need to pay them. This is not me i didn't apply for no loan. I spoke with someone concerning this matter and asked how were the funds delivered and they stated into a banking account. When i asked what was the name of the account i never heard of it, I don't even bank with the bank name that was given to me. She also stated that the loan was being paid back then the person just stopped making payments on the loan. So now i am here trying to resolve this matter so it can be taking off my credit and to clear my name.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc. (DE)

I deposited {$10000.00} in cash with blockchain.com in my wallet and now I can not get the money back out. 

I have filed multiple support tickets with the company with no response. 

Do not use Blockchain.com, they also took {$15000.00} of cryptocurrency from me and will not allow me to move it.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I only had a week with the service and I had to do an emergency move from where i lived and where i was moving to didn't accept att so i called them to cancel the service and they told me i didnt have to pay anything that it will be cancel automatically and didnt hear from them til now so i dont know why i am being charged
Consumer complaint received 2017-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (CA)

My one and only encounter with LJ Ross Associates : On XX/XX/XXXX my credit score suddenly dropped 150 points from XXXX to XXXX. Research showed this was due to a collection report filed by LJ Ross. Upon calling LJ Ross, it proved difficult to obtain information on the fraudulent report. After being transferred to a supervisor who only identified himself as " XXXX '' I discovered the alleged creditor was XXXX XXXX XXXX XXXX. 

I called XXXX to inquire about the problem and they told me there was a charge to my account over 4 years past the point I had sold the property and asked them to cancel the account. XXXX said they would correct the clerical error and show my account closed in XX/XX/XXXX, thus invalidating the XX/XX/XXXX charge. 

The issue here is LJ Ross ' tactics to contact me. In lieu of sending a letter or making a phone call, they elected to obtain my immediate and undivided attention by reporting the fraudulent collection to XXXX, XXXX and XXXX. Perhaps legal, but this action is highly unethical. Their utility company clients engage their services under the presumption of adding some value to the process. What 's the value of libeling a former customer who has paid XXXX over {$50000.00} in the course of 24 years?
Consumer complaint received 2022-04-12
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Each dispute I requested original application agreement on several attempts no documents have been provided and based on Fair Credit Report it should be completely removed from credit report it original agreement can not be provided. Thank You
Consumer complaint received 2022-04-12
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. (NY)

In accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2015-09-16
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I sent in money for a money transfer and got the reference order # and went to XXXX different Walmart locations to receive but both tellers were acting very strange and said i could n't receive the money order. They did n't explain why and frustrated me in front of the other customers. They did n't apologize and both left me hanging. Now I ca n't track the order it says the order does n't even exist but I have all receipts and the order information itself still for proof.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 8 states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Ocwen Loan ServicingWe were behind two months on our mortgage ( XX/XX/XXXX and XXXX XX/XX/XXXX ). We sent an overnight check received on XXXX XXXX XXXX that was signed for.The check was never cashed. Upon calling we were told that they had changed their overnight address and to give it a few days so it could be routed to the correct area. We called back a week later and was told the numbers written in the box of the check did not match the words written in the body of the check. I wrote the numbers and words correctly and assured them of that. I asked they send that check back with an explanation. They said they would but we needed to send another check to their new overnight box which we did and they cashed that one. During that conversation they said that our escrow account was short {$5100.00} and our new payment had gone up {$220.00} a month going back to XX/XX/XXXX. We sent a certified letter ( XXXX XXXX XXXX ) them asking for our check back from XX/XX/XXXX that they did not cash and to provide us with an explanation of our escrow. We also called and spoke to a customer service representative who said she would accommodate this request. It 's seems {$5100.00} is extreme since our property taxed have only gone up {$400.00} for the new year and our homeowners premium has stayed the same from last year. We send another overnight check which was signed for on XXXX XXXX XXXX. We waited for it to clear the bank and on XXXX XXXX XXXX we called and they said they were no longer taking payments from us unless we send them {$11000.00}. 
On Monday XXXX XXXX XXXX I received my escrow projected statement ( which by the way is dated XXXX XXXX ) along with any accounting of my account since XXXX with fees for example service process XXXX/XXXX/XXXX {$420.00}, title report fee {$75.00} XXXX/XXXX/XXXX process service fees again on XXXX/XXXX/XXXX {$340.00}. The list goes on and on all while they denied my modification and then XXXX months later after denial I get an email that " great news your modification has been approved '' I thought it was a scam and contacted my local HUD counselor who verified for me that in fact it was changed from denied to approved. Hence we started making our payments. Ocwen has XXXX checks right now that they have refused to cash and in the interim cashed XXXX. This does not seem right. I have since been sent another modification package. I do n't dispute any late fees since our payments were received after the XX/XX/XXXX due date but I am disputing all other fees and the escrow amount. another modification package also.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau Is processing a reinvestigate after the 30 days has ended. The 30 days ended XX/XX/XXXX after the company received my letter XX/XX/XXXX. Equifax/Equifax credit bureau claimed they reinvestigated and it came back verified the first time after they contacted the companies ( furnishers ). However it took Equifax/Equifax credit bureau took longer than 30 days to reinvestigate and I was not notified until I filed complaint XXXX ( and several other complaints including XXXX ) and Equifax/Equifax credit bureau replied XX/XX/XXXX, 9 days after the 30 days. Equifax/Equifax credit bureau is in violation of 15 USC 1681i . I didnt dispute anything, I was informing them it was past the 30 days and to delete the accounts according to 15 usc 1681i. They wrote back and marked on my consumer report stating they are reinvestigating the same accounts again. Attached is the letter was the same accounts listed and the response to my CFPB complaint that the company stated was verified already.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NC)

The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below have reported several errors. I have disputed all of the items below and as, yet nothing has been done. I have filed an extended fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information in my report has caused defamation to my character. 

Comenity Bank/NY & Co
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (PA)

I am a joint owner of this lease account, equally responsible for timely payments. I reside at a different address than the XXXX owner I signed for, and I requested paper statements and notices be sent to my address. No paper statements have ever been sent to my address, and resulted in a XXXX payment not being applied and marked on my credit as late in XX/XX/2022. I have disputed this with BMW Financial and was dismissed by their credit review department. Representative confirmed that I never consented to electronic statement ; however, they said that they were not obligated to send me statements as the XXXX owner opted to receive statements electronically. again we live in different household and my pre-requisite for co-signing this lease was to receive full statements and notices every month. they failed to do so and denied me the opportunity to monitor good standing of this account. 
ideal resolution to this problem is for BMW Financial to acknowledge their mistake and erase the late payment of my credit report
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I am an Identity theft victim with a credit freeze and fraud alert at all 3 credit bureaus- I established this freeze and fraud alert after experiencing a police reported identity theft incident in XX/XX/2021 -- I temporarily lifted the freeze online on XXXX to apply for a credit union account -- set the restore date for XXXX despite the fraud alert someone applied for a credit card in my name on XXXX -- I was alerted -- not by any of the credit bureaus but by XXXX XXXX XXXX- a FREE service. I was able to restore the freeze at XXXX XXXX online and at XXXX via phone -- Experian does not allow access to a live person or access to restore online. Despite calling 4 different numbers over 2 days there is no live access. I tried to restore the Experian freeze online by adding a new freeze and was denied. I am now unable to access my previously established Experian account at all -- their system refused my ss # -dob- the only way Experian allowed me to refreeze my account was to establish a PAID {$25.00} per month XXXX membership account and schedule a freeze for 24 hours-leaving me vulnerable until the XXXX. I am forced to pay for something that was and should be available to me at no charge -- the Paid Experian membership only freezes your account while you are a paid member-dropping the freeze if you cancel -- I need access to my free Experian account and I need Experian to freeze my credit without the extortion
Consumer complaint received 2022-09-28
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. (TN)

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXXXXXX XXXX XXXX  website these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2023, a credit card was approved by Barclays Wyndham Rewards in the amount of {$11000.00}. I never applied for this card. I have not stayed at a Wyndham hotel in almost 4 years. 
When I got through to the Security department at Barclays, I was asked for my mothers maiden name as my security question. The name on their record was not my mothers name. They said that someone had opened the card in my name and that, currently, there were no charges to the account. They were cancelling the card immediately. 
I have had a credit freeze on my account with XXXX but Barclays uses XXXX. When I checked XXXX, they had shown a hard inquiry from Barclays on XX/XX/2023. 
I have notified XXXX and they put a Fraud Alert on my account and will notify the other credit reporting agencies to place the same fraud alert. 
Please note that Barclays and Wyndham Resorts have been involved in a fraud scheme for years with opening credit card accounts without approval. My son, whose name is the same as my husband and has never lived at my current address, stayed at XXXX XXXXXXXX the week my card was approved. Coincidence? I think not!
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

Chime continued to remain out of compliance with each denial to my dispute. It is clear in which through out the documentation and paper trail ( emails ), that both Chime and I hold, it clearly shows them breaking law, rules and regulation. Chime violated the Electronic Funds Transfer Act, as it pertains to how they handled and replied to my disputes. The company shut down all of my accounts, without notice or reason. I violated no terms or conditions, and they can not provide not XXXX reason why! I will be looking into a class action lawsuit for resolution!
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc. (NM)

To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt claimed by your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with substantial validation of this debt. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and validation is requested.

Please provide me with the following information : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. Documentation that provides proof of my agreement to pay the alleged debt ; 4. A verification or copy of any judgment ( if applicable ) ; 5. A proof of your authority to collect debts on behalf of the original creditor ; and 6. A detailed account history showing all charges, payments, and adjustments applied to the debt. 

Additionally, please ensure that all communication regarding this matter is made in writing. Furthermore, pursuant to the Fair Debt Collection Practices Act, I hereby request that you cease and desist all further communication and attempts to collect this alleged debt until such time as you provide the complete validation as requested. Failure to cease collection attempts before providing the requested validation may result in legal action being taken against you.

Please be aware that any negative reporting to credit bureaus before validating this debt will be considered a violation of the Fair Credit Reporting Act, and appropriate actions will be taken, including disputes with credit bureaus. 

I also request that during the validation process, all collection activities and reporting to credit bureaus be halted until the requested information is provided to me, as per the guidelines of the FDCPA. 

Please understand that failure to comply with these requests could result in complaints being filed with the Consumer Financial Protection Bureau and my states Attorney Generals office. I expect a response to this letter within 30 days from the date of receipt, detailing the actions taken by your company to address my dispute and fulfill my request for debt validation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have not used my XXXX account since XXXX. I settled with XXXX and they sold the account to portfolio recovery in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for portfolio recovery. I made one payment to them because I thought was medical bill. How can I remove it from credit report and get them to leave me alone?