davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Collection Services, LLC (NJ)

This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. 
I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. 
I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.
Consumer complaint received 2022-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Consumer complaint received 2021-03-05
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: ENCORE CAPITAL GROUP INC. (CA)

This debt was opened XX/XX/XXXX. Exceeds Statue of Limitations. The Company stated the account was opened XXXX. I never received any paperwork upon me being sued and now my wages are being garnished every week. {$270.00} was garnished XX/XX/XXXX.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/19 I went to Raymour & Flanigan. I exchanged a defective chair and purchased 2 more chairs. The difference was {$490.00}. I said to put it on my already open finance account with them. I had a {$1600.00} credit limit available. The sales person mistakenly put thru the total amount for both chairs and did not apply the credit for the defective chair. I received a call from credit asking if I wanted my limit increased, I said no because it is not necessary. I clearly told them do not run my credit. 
They did, apparently by mistake. I reported this immediately as I received notification from XXXX  that my credit had been run. I called the store and their credit department a number of times and expressed my concerns and that they had to fix this. I never authorized my credit being run. To fix this they removed my credit report from their system, but they failed to notify XXXX  of their error, so the inquiry is still there. 
I am trying to refinance a house and can not have any inquiries until this closes. Now I have to cancel that, lost the locked in interest rate and lose the money I have paid up front. 
I called XXXX, they were no help. They said the dispute has to come from Raymour.
Consumer complaint received 2018-07-18
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. (SC)

I faxed over a copy of my drivers license, social security card, and utility bill to update my personal information and to remove inaccurate names and addresses. Fraud alerts were placed on my account due to the inaccurate name of XXXX XXXX and fraudulent inquiries. I asked for the following fraudulent inquiries from XX/XX/XXXX to XX/XX/XXXX without results : XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2022-07-21
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. (TX)

Experian keeps listing my requests as duplicate, or ignoring, or playing games. However, they haven't yet to answer one. For 5 years I have been requesting a copy of the signed and dated permissible permission used by Experian and XXXX XXXX XXXX XXXX ( XXXX  ) to access my credit report in XXXX 2017. They have yet to do anything but play games. They pass the buck to XXXX who also lists requests as duplicate.
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hello, I am writing with regard to a collections account I have with Portfolio Recovery Associates.  They are based in XXXX, VA. The alleged debt is from a XXXX XXXX account that was opened XX/XX/XXXX and charged off XX/XX/XXXX. I have no recollection of ever having a XXXX XXXX card. I have sent several letters and three letters certified mail requesting verification from PRA and have only received one communication containing some statement copies and the charge off notice from XXXX XXXX. They have not provided any record of the account opening or an original agreement with XXXX XXXX. I never received any initial communication from them and only learned of this account when I got my yearly credit report. Furthermore, the address shown on the XXXX XXXX documents is one I have never lived at. My correct address has been on record with the Massachusetts Registry of Motor Vehicles since XXXX. I have disputed the incorrect address with the credit bureaus and it has been removed as inaccurate. I have tried disputing this account directly with the credit bureaus but they allege it is accurate. I'm unsure how they can confirm the address is inaccurate yet confirm an account that has that address listed as mine. Also on XX/XX/XXXX, this account was completely removed from my credit reports. It then reappeared around XX/XX/XXXX causing my score to plummet sixty points. In addition to that, it was listed as closed on my XXXX  report but open on XXXX and XXXX. As of XX/XX/XXXX is shown as open on all three. I have not received any written communication from XXXX, XXXX, XXXX or PRA informing me the account had been put back on my reports. This is the only negative mark on my credit report and all my other accounts are current with a perfect payment history. 

I am also receiving XXXX for XXXX XXXX and XXXX, as well as medical issues including a XXXX XXXX. This has been causing me a lot of XXXX. I have recently moved and will be starting college again in XXXX after a two-year absence due to the above XXXX  and XXXX   health issues. I would like to have this resolved so I can move on and better direct my efforts on improving my health and education. I was hoping I'd be able to handle this matter myself, and have been trying since XXXX of XXXX but to no end. If needed I can provide copies of the documents PRA sent, the delivery confirmation and copies of the three certified letters, a verification of XXXX income, and enrollment in school. I hope you may be of assistance in resolving this. I am submitting a complaint with the Massachusetts Attorney General 's Office as well. Thank you. 

Most sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XX/XX/XXXX To whom it may concern, I am writing this letter due to numerous disputes with Portfolio Recovery in regards to my closed XXXX XXXX XXXX account. 
On XX/XX/XXXX I contacted XXXX customer service after finding out that during my 10 months of XXXX  my XXXXXXXX XXXX XXXX had been compromised and my account was closed with a balance of {$450.00}. I spoke with a representative by the name of XXXX XXXX, who refunded the {$450.00} to my XXXX XXXX XXXX. I have emails from XXXX over the course of three days from XX/XX/XXXX to XX/XX/XXXX. Portfolio Recovery is insisting that I pay the {$450.00} even though the charges are no longer valid. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (FL)

An account was opened in my name approximately XX/XX/2018 through XXXX XXXX. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX.I was  not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called XXXX XXXX . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to XXXX on XX/XX/2018 requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX XXXX XXXX reached out for a payment on account we arranged to have {$160.00} to be debited. XXXX XXXX then took {$2200.00} on XXXX and I was sent a receipt showing what was authorized. Also during the conversation I advised them that the {$160.00} was a one-time payment and to not store my banking information. I contacted XXXX XXXX to have funds refunded and contact bank to dispute. Per banking representative I was not able to dispute transaction until it posted. After transaction {$2200.00} was posted I file a dispute with bank and I have not received a resolution yet. XXXX XXXX then as of XXXX debited {$160.00}. I contacted XXXX XXXX and XXXX XXXX XXXX. Both companies pointed blame at each other. XXXX XXXX has caused hardships because of their actions for both my wife and I.
Consumer complaint received 2021-10-24
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX 2. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  Account Number : XXXX 6. Identity Theft XXXX  XXXX Account Number : XXXX 7. Identity Theft XXXX  Account Number : XXXX 8. Identity Theft XXXX  XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (UT)

Around XX/XX/XXXX I went to XXXX XXXX XXXX office they confirmed they accepted my insurance. And then in XX/XX/XXXX I seen the debt on my credit report. The company never sent me a letter in regards to owing a bill. And so I reached out to XXXX XXXX XXXX office and spoke with XXXX in billing she confirmed that she made a mistake when submitting the claim, we both spoke with XXXX and confirmed that I was covered at the time of service. XXXX said she will fix problem and have it deleted from my report. 2 weeks later XXXX XXXX office is out of business and debt is still on my report. I have disputed several times with XXXX band XXXX  and they will not deleted it from my report.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation , or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

My loan payments with Specialized Loan Servicing ( SLS ) was  paid current through XX/XX/2018. I sent in the XXXX payment in the amount of {$550.00} on XX/XX/XXXX and 18 days later, the check still had not cleared the bank. The bank advised me to stop payment on the check, which I did. SLS contacted me shortly thereafter asking about the payment and I informed them about the stop payment. A couple weeks later, I tried contacting them with the phone number they provided me so that I could pay the XXXX payment by phone. I could never get through to them. Nothing was done in XXXX because I was unable to contact them. On XX/XX/XXXX, my daughter was able to contact them and talked to someone regarding the back payments. They told her a phone payment could be made and we provided them with the checking account no. and routing no. A payment was made over the phone and a confirmation no. was provided us. As of today, XXXX XXXX ( 12 days ) they still have not received payment and the money is still in my checking account.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

Hello, my claim # with NetSpendXXXX My name is XXXX XXXX and I am set on a fixed income with social security I have been using NetSpend which is XXXX XXXX XXXX for my SSI direct deposit and on XX/XX/2022 I received an alert that {$730.00} was taking out of my account from some company called so, I called NetSpend right away, I panic and told NetSpend who took it out and they told me some company called XXXX XXXX at XXXXXXXX XXXX {$730.00} was taking out I did not give no one any authorization to take monies out of my account, I never gave anyone my card # never gave my card information. Netspend told me that they will resend me a new card and put in a dispute this was on XX/XX/2022 they have all the records on my phone calls to them and I called back and found out that they never started the dispute on the XX/XX/2022 I can not believe that they told me this after the person knew that I was panicking and worried about this and told me they will take care of the dispute. Now on XX/XX/2022 is when they again told me that my dispute will start here I go again with trying to get all my {$730.00} back this time they told me to call back on XX/XX/2022 and I told them please help me because I need my medicines and do not have any money for my things that I live with I also, have my bills to pay that are scheduled. I need help for some XXXX to help expedite my claim and get my monies back even when I cried to them that I have no money for gas or food they left me on hold for XXXX minutes and hung up on my and I had to call again and they left me on hold for a long time again this time I asked for a manager because I asked them that they did not take my case on my initial XXXX phone call and make me wait more days and then I called on the XXXX of XX/XX/2022 and they told me they can take ups to 120 days but how when your bank is secured with FDIC and they never explained to me the correct portal call. Why could they not tell me everything when I called them on XXXX XXXX instead they give me the minimum of information like if they are trying to set me up failure??? I need help PLEASE some XXXX call to Netspend and let me know how do I get my money back its going on 25 days. I really can not wait for 120 days. My cell phone number is XXXX and NetSpend is XXXX I need my medicine please. I live on SSI I had to contact someone to help with finding your website. 
XXXX XXXX LAST XXXX OF MY CARD IS XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX {$630.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 2022-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NJ)

In early XXXX I created a new account with the money transfer company Xoom, in order to execute an international money transfer to a friend in XXXX. This was for soccer players to participate in a soccer camp in XXXX. 
With the Xoom transfer limit of {$1000.00}, I had to make two separate transfers, because my total transfer target was about {$2000.00}. I entered the information for my transfer into the online form and the first transfer with an amount of a bit under {$1000.00} was approved and completed a few days later ( Transaction # : XXXX ). 
A few days later I wanted to do the second transfer and followed the same steps as in the first transfer. But shortly after submitting my transfer request via the online template, I got a notification that my transfer was not approved and not executed. The note asked me to call a phone number and Xoom agent to provide more details about the transfer and answer question. I did that and explained in the call what the transfer was about. But the situation was not resolved in that phone conversation. I was told that I have to wait until a decision on my money transfer would be made and that I would receive the result via email. A few days later I received an email saying that my transfer was continued to be rejected. No specific reason was provided and I was only given the opportunity to ask for an additional review. 
I asked for that additional review, but on XX/XX/2019 I received an email from Account Compliance of Xoom, saying " Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your account. This decision is final and can not be appealed. " ... " We are unable to provide any more information regarding this Issue and any future correspondence will not be answered. '' I was given no explanation of why my second transfer was denied and why my account was closed. The account remains closed until now and nobody can give me a reason why. 
I even contacted the XXXX, the company who apparently owns the money transfer service Xoom. But they only said that they can not help me and that this would be something I have to address with Xoom itself.