davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates , LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. It is in my belief that Portfolio Recovery Associates , LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

Chase opened a checking and savings account without my permission and are now charging me {$12.00} per month for it even though I have no interest in the account. 

I have a credit card account with Chase and they keep sending me offers to open a checking account. I never clicked on any of these emails and yet they opened an account in my name.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have a Mortgage with Select Portfolio Servicing for {$160000.00}. On XXXX XX/XX/2022 I paid {$80000.00}. to my Principal. 

Because my monthly payment didn't change, I asked for a new payment schedule, but the lender answered with a letter telling them that they can't provide MY payment schedule, because it is a privilege information? I am enclosing the letter bellow. 

Also I called and asked for the mortgage recasting, and they said I don't qualify, when I asked the reason, the operator says she can't tell my reason, just the system doesn't allow her to do it, and when I asked to provide that answer in writing she answered they can't provide it. 

I would like to add that I never had missing a single payment in my whole life, and that I have an excellent credit score. 

Honestly I feel they are stealing from me and I believe something is not right in this whole situation.
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. (CA)

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

DEPT OF EDXXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

My mother has a very bad XXXX addiction that ruined my life also she is a very good liar. She opened my mail and used my new credit card without my permission.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

CitiBank randomly shut down my account, and are telling me I have to wait 30-60 days for a check. I literally have no other source of income as this {$1300.00} was my last. I have tried to contact them but they keep putting answering services on the line. I had just used the card an hour prior until all of my transactions were denied with no explanation. I thought it was due to me traveling that my card was flagged, but not fully shut down with no communication.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (FL)

I had a hard inquiry on my credit from a company called XXXX XXXX which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.
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: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. So i request that my account be deleted from XXXX, XXXX, and XXXX.
Consumer complaint received 2022-03-24
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: Tenaglia & Hunt, PA (MD)

I had a XXXX XXXX account after a rude customer service person denied a issue I had. He then closed my account as fraud. Then XXXX would not allow me to appeal the decision. They then cowards my account to Tenagala and hunt who said they are a law firm but XXXX says they are debt collector. I cant tell if they are really lawyer they will not clarify. I emailed them back in XXXX XXXXthey never return my call or inquiries. Now they are suing me. I have tried to settle it but the account is charged off on my credit. XXXX never showed proff my account was fraud. This lawyer or debt collect will not prove if they are really a lawyer or debt collector.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (KS)

The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-17
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. (KS)

The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am making another report towards XXXX, Transunion, and XXXX in reference to XXXX  account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2022, I initiated a wire transfer with Marcus by Goldman Sachs to close on the purchase of my new home. I was told that since I initiated the transfer before XXXX XXXX ET ( it was scheduled at XXXX XXXX ET ) that it would transact on the same business day. 

I called Marcus at XXXX XXXX ET to see why the wire had not gone through and they told me it was in review and that it would go through before close of business. 

At XXXX XXXX ET I called back to check and they told me that while they do sometimes wire transfer funds to third parties, that exception would not be granted to me. They told me that the best they could do was send the money to my personal external account and since it was after XXXX XXXX  ET, I wouldnt receive the funds until the next day. 

At this point Id already missed closing on my home purchase, so initiated the wire transfer to my personal account and waited until the next business day to check if the funds had transferred. 

They hadnt. 

As of now, the funds are still not in my account and I still have not closed on my home purchase. I deposited a very large sum of money in my Marcus account and it appears that I cant take it out. Im concerned and frustrated by their incompetence.
Consumer complaint received 2022-05-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX and XXXX all of which require both : background check and credit score. 

Transunion is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

ON XX/XX/XXXX A LOAN WAS TAKEN OUT IN THE AMOUNT OF {$1000.00} FRAUDULENTLY. MY IDENTITY HAD BEEN STOLEN AND I WASN'T MADE AWARE OF THIS UNTIL XX/XX/XXXX. I HAD NOTIFIED ACE CASH EXPRESS AND THE LOCAL SHERIFFS DEPT. TO FILE A COMPLAINT. ACE CASH EXPRESS HAD ME FILL OUT AN AFFIDAVIT, HAVE IT NOTARIZED, AND FAXED ALONG WITH THE COPY OF THE POLICE REPORT. NO FOLLOW-UP EMAILS, PHONE CALLS, OR MAIL WAS SENT BY ACE CASH EXPRESS. ALL I WAS TOLD IS THAT THEIR DEPARTMENT THAT HANDLES FRAUD WILL TAKE CARE OF IT. HERE XX/XX/XXXX OVER 8 YEARS HAVE GONE BY AND I RECEIVE A COLLECTIONS NOTICE. WITHIN THOSE 8 YEARS NOT ONE BILL TOWARDS THIS LOAN HAD BEEN MAILED TO MY RESIDENCE, NOT ONE EMAIL OR PHONE CALL. ACE CASH EXPRESS HAD ALL OF MY CONTACT INFORMATION AND FAILED TO 1. INFORM ME OF THE PROGRESS OF ANY ONGOING INVESTIGATION INTO THE FRAUDULENT LOAN 2. OFFER A SETTLEMENT RESOLUTION TO AVOID COLLECTIONS. IT IS NOW 8 YEARS LATER THAT I RECEIVE A PHONE CALL FROM A COLLECTION AGENCY TO COLLECT ON THE DEBT. ACE CASH EXPRESS HAS FAILED IN THEIR RESPONSE TO HELP RESOLVE THIS SITUATION. THEIR VETTING OF ONLINE LOAN APPROVAL IS INSECURE AND ALLOWS FOR CRIMINALS TO EXPLOIT THE MEANS TO OBTAIN FUNDS UNDER FALSE PRETENTIOUS BEHAVIOR. ACE CASH EXPRESS HAS FAILED TO PROVIDE ME WITH INFORMATION LINKED TO THIS ACCOUNT. EMAIL, PHONE NUMBER, BANK ACCOUNT AND ROUTING NUMBER OF WHERE THE FUNDS MAY HAVE BEEN CASHED, COPIES OF ANY DOCUMENTATION GIVEN WITH THE LOAN APPLICATION SO THAT I CAN PRESENT THIS INFORMATION IN MY DEFENSE IF NEEDED. ( AFTER ALL, THIS IS SUPPOSEDLY MY ACCOUNT IS IT NOT? ) I AM LOOKING FOR COMPENSATION BY HAVING ACE CASH RESCIND ANY AND ALL FEES ATTACHED TO THIS LOAN. THEREFORE PAYING RESTITUTION THE COLLECTION AGENCY IN WHICH ACE CASH EXPRESS HAD SOLD THE LOAN TO. I'VE DONE MY PART IN PROVIDING ALL THE NECESSARY DOCUMENTS PERTAINING TO THE FRAUD IN XX/XX/XXXX. I'VE ALSO CONTACTED ACE CASH EXPRESS ON XX/XX/XXXX TO FURTHER INQUIRE ABOUT THE INVESTIGATION OF FRAUD. NOTHING WAS DONE. THE ASKED ME TO RESEND THE DOCUMENTS AGAIN AND THAT WAS ALSO DONE ON XX/XX/XXXX ACE CASH EXPRESS HAS FAILED IN THEIR EFFORTS TO RESOLVE THIS. IT HAS BEEN 8 YEARS SINCE THE IDENTITY THEFT AND REPORTING IT TO LOCAL LAW ENFORCEMENT AND ACE CASH EXPRESS. THANK YOU
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have contacted Equifax several times to remove the account reported by XXXX XXXX XXXX. This report has been paid in full since XX/XX/XXXX, and XXXX has verified that they reported to each credit bureau to delete the account. All other credit bureaus have removed the account except equifax. I called equifax on XX/XX/XXXX to dispute the account again. The representative stated that she had put in a dispute to have the account removed. I called on Tuesday, XX/XX/XXXX to follow up on the dispute since I have not received any information. When my account was reviewed, it was seen that no dispute was ever made on that account which means that the representative lied about forming a dispute. This has caused me unnecessary time to try and get corrected due to the account should have been deleted in XX/XX/XXXX, when the other credit bureaus accurately removed the account from my credit report. Equifax does not update reports in a timely manner and you have to continuously call and try to get help disputing items, when in fact, they never try and dispute anything. They are not following any of the credit reporting guidelines set forth by FCRA.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.