davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

On XX/XX/XXXX I took a look at my credit report as I was researching and looking into applying for a mortgage. Incidentally in XXXX I was denied a loan due to this collection account. On XXXX the XXXX I sent a certified letter requesting they validate this debt with no response from the company in the 30 day deadline. I refreshed my credit report and debt was still on my credit report on XX/XX/08 and it was noted on my credit report stated I disputed and the information was accurate with no response to their reasoning to why this was accurate. I sent another certified letter dated XX/XX/XXXX with this letter being a HIPPA cease and desist and requesting them to once again validate the debt and once again as of today there was no communication from the company to validate my debt. I will attach copies of the two letters as well as the two signature receipts signed by the company. I followed all criteria to satisfy this dispute and this company violated every FCRA.
Consumer complaint received 2022-04-10
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. (NH)

I originally sent XXXX a complaint about unverified items in my credit report, and they failed to respond within 30 days on 2 separate occasions. Please see the attached letters for details. I have sent the company 3 separate letters and I am under the impression that as of the date of the last letter that I sent out, The 3rd letter was sent on XX/XX/XXXX. 

Before that date, the other 2 letters were sent on XX/XX/XXXX and XX/XX/XXXX. XXXX did send a card back saying that they received my complaint on XX/XX/XXXX, but they provided zero communication that an investigation was taking place regarding these inaccurate, unverified negative remarks in my credit report. 

I had similar issues with Equifax and XXXX as well, which I will share in attached files. For instance, Equifax originally removed an item that I disputed, and then they re added it ( See Figure XXXX in XXXX ). in a window of time greater than 5 days in violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii )
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NE)

Company filed a wage garnishment through XXXX XXXX ( Nebraska ) in XX/XX/XXXX. The garnishment was paid put of my pay check between XX/XX/XXXX and XX/XX/XXXX. Company is still sending letters calling daily some times XXXX a day. I contacted Company and told them several times this was paid with wage garnishment. Will not listen and trying to threaten me with another wage garnishment for something that was already paid. They refuse to look in their records or do any research and claim its my responsibility to correct their lost paperwork.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

I have not used my PayPal account since XXXX. I settled with PayPal and they sold the account to XXXX XXXX in XXXX of XXXX. Ive disputed it and they keep sending bills and calling for XXXX XXXX. 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?
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Portfolio recovery solutions has been calling and contacting me for years about a debt I am not even aware of having. Even if it was a debt I had, its is well past the XXXX. They call and refer to me with a last name that hasnt been mine since 2013 and an address that I lived at a decade ago. I want these calls and all forms of communication to end immediately.
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : -DP OF EDUC 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 an account without my written instructions.
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: Experian Information Solutions Inc. (FL)

I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the bureaus.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The number getting the calls is a work phone ; I do not use it for personal business and it is registered to my employer. I do not have any debt associated with this number. 
I have received multiple phone calls from a company called " Portfolio Recovery Services '' and the caller uses a variety of phone numbers. Since I do not recognize the number I let the call go to voicemail and they do not leave a message. 
The numbers calling me include : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I had my JPMorgan Chase check stolen from a mailbox and fraudulently changed from {$45.00} to {$9500.00} and deposited/cashed at a XXXX XXXX  XXXX XXXX I have filed the necessary declarations, police and postal reports to Chase Fraud Departments on XXXX and XXXX. I was told the process would take 60-90 days to resolve. I have consistently followed up in person and via phone with both banks to no avail. Chase claims XXXX XXXX XXXX isn't responding. XXXX XXXX XXXX Regulatory Complaints Department said no claim is on file with their check fraud team for me. Chase said my claim was sent XXXX XXXX. Somewhere between Chase and XXXX XXXXXXXX XXXX the ball has been dropped. I get a different answer every time I talk to Chase Fraud Department. I was told on XXXX that the claim can be dropped after 120 days. Day 120 was XXXX. 
Can my claim be resent by fax or email? Was is lost in the mail? 
I'm struggling to find a solution to have my money refunded.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the bureaus.
Consumer complaint received 2022-04-12
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. (TX)

FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX FRCA Violation personal information XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (DE)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

Netspend committed a Theft/Scam crime. This was very unprofessional of them to take XXXX $ from me off the card and locking me out my account and not having access to my money, This money was placed on this card on the XXXX of XXXX. I placed money on this card for immediate purchase since the company is claim to be one of the fastest card money can be transferred too and used. I was not able to use my Identity because i was not able to give them one missing document that was required and their customer service was terrible. I have screenshots of my account when it had money and i have pictures of all my receipts placing money on the card. I was supposed to use that money to buy my plane ticket and attend my big sister funeral on XX/XX/XXXX in a foreign country and was not able to since my funds on this Netspend XXXX  card was not approved by the company.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (GA)

I visited XXXX XXXX XXXX XXXX, XXXX, GA in XX/XX/XXXX. They were supposed to file a claim with XXXX XXXX. 
They never bothered to file the claim and in XX/XX/XXXX sent me bills of over {$10000.00} for a quick visit with a doctor. I was there about an hour, mostly waiting. 
They waited until it was to late to be covered under the XXXX XXXX XXXX XXXX 
All they have to do is file the claim.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX I wrote to LVNV funding requesting debt validation on the alleged debt, that is reporting on my credit file. They responded with a bill, not validation of said debt. Upon looking over said bill, it stated that a payment was made on this said debt, which is untrue. I have never made a payment on said debt, because I was not aware of said debt until XX/XX/XXXX so how could I make a payment on a debt that I didn't know existed until XX/XX/XXXX. They continue to report inaccurate and untrue information on my consumer reports, which is hindering me from buying a home and auto. They did not honor my request in validating this debt. A bill is not a validation of debt.
Consumer complaint received 2022-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Contacted Navient.com customer service rep after receiving text of account delinquency. 
Service rep unable to answer question of my account relation with AidAdavantage.com payments. My request to speak with a supervisor resulted in being placed on hold for unreasonable amount of time. Never spoke with a supervisor. 

Made a pyment today in the amount of {$100.00}. Noticed a fee of {$1.00} for late charge. 
How is this possible if the Federal government has placed student loan payments on pause.
Consumer complaint received 2024-01-05
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: GLOBAL SOLUTION BIZ LLC. (TX)

There are a few companies involved in this debt collection. 
XXXX XXXX, Global Solution, and XXXX I obtained a loan from XXXX in XXXX, but defaulted in XXXX. XXXX used Global Solution to collect my debt. I spoke to XXXX with Global Solution before XXXX XXXX, and she said that I could pay a settlement offer of {$2900.00} over 3 months. I then found out this week that XXXX had already enforced a UCC lien with XXXX XXXX to freeze my payouts. I have requested a copy of the court order for the UCC lien, but have not been provided one. I also contacted Secretary of State, Comptroller, and XXXX XXXX to confirm that there are no liens pending under my name or the business name. I believe that Global Solution illegally used the UCC form to enforce the lien on my account with XXXX XXXX. I have not been served or contacted by the court for this matter. Global Solution is now telling me that the {$2900.00} must be paid In Full to release the lien.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC (NJ)

Pursuant to the procedures of the Fair Debt Collection Practices Act, I am demanding that this agency known as XXXX cease all communications as dictated in the FDCPA. This includes indirect communication through the medium of consumer reporting. You may only communicate with me further under the stipulations of responding to any and all complaints from the Consumer Financial Protection Bureau ( Cfpb ). If this agency does not comply with this request, I will seek legal action for FDCPA violations.
Consumer complaint received 2022-04-12
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.
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. (DE)

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

The fraud transaction was posted on XXXX for a total of {$5000.00}. 

I have contacted PNC bank to resolve this issue but the bank refused to refund my money. 

These transactions were fraudulent unknown transactions that I did not make.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (CT)

City of XXXX has written tax return information in XXXX about tax form in XXXX that I owed money to them, I notified them that this was false in XXXX, and in fact they owed me {$30.00} instead. They asked for required information such as tax forms which I faxed. I completed the tax forms in XXXX and sent these back. In XXXX my tax filing to XXXX stated that again the city owed me {$18.00}, however I was contacted again that I owed them money. 

We have now received a latter from GC services limited Partnership in XX/XX/XXXX that we owe the city of XXXX {$250.00}. We called to dispute the charge and say that this information was inaccurate, however they are not able to provide any data or information in regards to former tax information. They recommended that we refile XXXX tax forms which is very difficult to do. 

At that point we asked them to provide information to us about the tax forms. We were notified that they have no additional way to get previous tax information, and that city of XXXX likely does not have the original tax forms on file.