davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

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 2019-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NC)

I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/19. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XX/XX/XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX tracking number of the shipping label the company sent me was xxxx xxxx xxxx. 

The monthly bill was usually due on the XX/XX/XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XX/XX/XXXX through the XX/XX/XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. 

Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. 
XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. 

As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. 

Any assistance is more than welcome. 

Thank you so very much!
Consumer complaint received 2020-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/2020, at XXXX XXXX  EST, my XXXX year old son  missed a phone call on his cell. My son has had this phone number for about a year, and he received the phone number from the mobile carrier when we opened his phone account. The call that he received was from Portfolio Recovery Associates ( " PRA '' ), using their phone number of XXXX. My son showed me the missed call, and as his father I called PRA back. I identified myself by first name, explained the situation to the PRA agent, and let him know that we have had other creditors call as well over the past year, and we had had them remove the number from their systems without difficulty. I asked that my minor son receive no more calls from PRA. However, the agent refused to do this unless I provided my own personal information ( full name, address, etc. ) to him. I did not want to do this, and explained this to him, but he insisted that it was PRA policy that I provide my PII in order to get my son 's number removed from their system. We went back and forth like this for a few minutes, at which point I informed him that I would be filing a complaint with the CFPB unless he would commit to removing my son 's number from their system. The call did not end amicably as I terminated the call. 

I feel that this is an unfair or abusive practice. My XXXX year old son should not be receiving collection calls from a debt buyer regarding another person 's debts, nor should I be required to provide my own PII to PRA in order to get my son 's number removed from their system of record ( and run the risk of my own name somehow getting tied to that particular debtor 's account ). 

After I terminated that call, I noted that my son had missed a second call from PRA the day before. So I called that number back, this time XXXX, and spoke with another agent. I again explained the situation. Fortunately, she was willing to remove his phone number from their system without any difficulty and without my providing my own PII. 

In light of this second phone call and the ease with which I was able to remove the number, I now wonder whether the first agent I spoke with was simply untrained, or else if there truly is a policy issue in play at PRA. Either way, at the end of the day, I don't want them trying to collect money that someone else owes from my XXXX year old, and it should not be difficult to get them to stop doing it.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NC)

I had a {$300.00} bill with XXXX XXXX on XXXX which I paid ( receipt attached ). Medical Data Systems has put a collection on all 3 of my credit reports. I've sent Medical Date Systems and all 3 credit bureaus a copy of my paid receipt and they would not delete the collection from my credit reports.
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tribal Lending Enterprise, Inc. (TX)

Approximately three months ago ( i.e. XX/XX/2019 ) I began receiving SMS text messages suggesting that I had a delinquent loan. The messages were vague, but after receiving several of them, I called the number from which they originated. The person at the other end identified herself as an employee of Golden Valley Lending, and asserted I had taken a {$700.00} loan from the company she represented. I had, until that day, never heard of Golden Valley Lending, and definitely had not taken a {$700.00} loan from anyone. I said as much and, after a short exchange, determined the call was a phishing scam, and hung up. 

Since that time, I have received not less than 8 calls from Golden Valley Lending per week, originating from numerous different phone numbers. The most recent two are : * (  XXXX ) XXXX * ( XXXX ) XXXX I've blacklisted each new number as I've received the calls, which all adhere to the following format ( paraphrased ) : Golden Valley Lending : "  Is [ My Name ] available '' Me : " This is [ My Name ] '' GVL : " This is [ fill in name ] with Golden Valley Lending. We're calling to discuss the status of your account '' Me : " I do not have an account with you ; I've never opened an account with you. '' GVL : " That's not what our records show. '' Me : " I can't account for your records, but we don't have anything to discuss. '' GVL : " Good luck with that. These calls will continue. '' <call is disconnected> I have repeatedly asked to be removed from their call list, and been denied. I have repeatedly asked for a written record of my debt, and have never seen one.  I have received one printed letter via USPS, again vaguely suggesting I need to address some kind of debt-related issue but without any account number, amount, clear indication that the letter is an attempt to collect a debt, advisory of my rights, etc. It seemed to be merely a form letter that looked like it was designed to get me to call their office. 

I have checked my credit reports with three agencies to confirm no debt has been reported in the amount Golden Valley Lending has asserted. I have received no official attempt to collect a debt, and my credit score remains unblemished even though I've been ignoring these calls, more or less, for months.
Consumer complaint received 2022-04-30
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. (OH)

On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( Experian, XXXX, XXXX ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.
Consumer complaint received 2020-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BMO Bank, N.A. (CO)

My CD matured on XX/XX/XXXX, a XX/XX/XXXX I called them on XX/XX/XXXX, a XX/XX/XXXX, to request the funds be returned. They said I needed to fill out a written authorization and that it needed to be mailed to me. No email or online option available to get my funds returned. 

I received the form on XX/XX/XXXX XX/XX/XXXX. It did not have a post paid return envelope like the letter said. I had to call ( second call ) to get the mailing address ( not posted anywhere online ). I mailed the form on XX/XX/XXXX, a XX/XX/XXXX I did not hear from the bank nor did I see a check cut by looking at activity on their webpage, so I called again on XXXX and asked status for funds being returned. They asked if I wanted a check mailed and I said I would prefer a ACH deposit. They do not provide that service so they said they would mail me a check. They deducted {$490.00} from my check as a penalty for not redeeming the CD during their grace period. 

Called XXXX ( third call ) and asked for a supervisor, explained the timing and asked that the {$400.00} penalty be refunded. Spoke with XXXX XXXX, Resolution Supervisor. She said she would call me within two days. Never heard from anyone.

Called again XX/XX/XXXX atXX/XX/XXXXon hold for over 30 minutes ( fourth call ) about status of check. I see online that they refunded the {$400.00} penalty. 24 days since CD matured! Spoke with XXXX again. She said she check on the problem and would call me back within an hour. 

Their policy makes it impossible for anyone outside of the XXXX area to redeem their CD within the bank 's grace period. It takes about two weeks to mail out a form, sign it and then mail it back to them.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (OH)

I notice a debt collection on my credit report for some kind of medical service and I haven't received any mail from the original creditor, first of all I haven't go to the doctor in over 6 months the account has been opened recently and the service provider is located in a different state since I couldn't find one with that name near me, I call the creditor twice first time no one answered, my second attempt finally spoke with someone about it and I requested a verification letter and name address and state license number but they couldn't provide me with one at the time, there having me call at a later time,
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've sent emails and called all 3 credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them.

Per consumer law 15 USC 1681c-2 : Block of information has been violated
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Enhanced Recovery COL - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXXXXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (TX)

Upon answering the call after several messages left by the company, I explained that the debt did not belong to me! The debt was associated with a car I've never owned, and the debt was connected with XXXX XXXX XXXX. The company continued to call, and leave messages while I was in class with students and leave messages at my home, as well as on my cell phone! 
Just of a few of the days, and times are as followsXXXX ( XXXX pm ), XX/XX/XXXX ( XXXX pm ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) twice, XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ), XX/XX/XXXX ( XXXX am ) I NEED HELP! The company refused to obey my answer that it is not my debt! I contacted XXXX and they confirmed that I did not have an outstanding debt!
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL SYSTEMS placed me in collections with no notice, letter, or phone call on XX/XX/XXXX for a medical debt that someone opened under my behalf in XX/XX/XXXX. This debt did not belong to me and I provided the company with the fraud affidavit and they removed the Collection from my credit report and closed the account. I spoke to a representative from the company in early XX/XX/XXXX which also confirmed this. This company is now criminally diminishing my credit after they were given all the documents needed and after they agreed to close the fraudulent Account. I now want consumer finance to step in and the Federal government to investigate this company. There is misconduct going on here.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " XXXX '', and " Experian '' on XX/XX/XXXX and I STILL have not received any reply from them.
Consumer complaint received 2019-10-25
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: Experian Information Solutions Inc. (FL)

XXXX and Experian are reporting a Student Loan with the U.S. Department of Education. Both have received at least three disputes stating that the DOFL, Date Of First Delinquency is wrong and the correct date is 1999. As a consequence, the time for reporting this loan has came and gone. XXXX and Experian are reaging this account.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I placed an online order for an item that was not available in the store as a XXXX gift. I needed to exchange the item for a different size. I contacted the company via online chat on XXXX to ask how to go about exchanging the item. I was advised by the representative to place a new order for the item in the correct size and she would issue a refund on her end for the original order. I asked what to do with the original item, and was advised to donate or discard it. I was advised the credit would appear within 7 days. When the credit had not appeared by XXXX ( 12 days later ), I called and spoke to a representative who apologized the credit wasn't posted, and advised she would escalate the request and the refund should appear within 7 days. When the credit had not appeared by XXXX ( 8 days later ), I called again. I explained what had happened and asked to speak to a supervisor. I was dumped into a voicemail system. I called again and immediately asked to speak to a supervisor. Instead of transferring the call, the representative kept badgering me for additional information. When he finally transferred the call, the supervisor I spoke to again told me I would have to wait 7 days. I advised this was the 3rd time i had been advised to " wait 7 days '' and still my problem was not resolved and i needed to speak to someone that could assist me today. I was transferred again. The next supervisor i spoke to stated due to the original purchase being in multiple tenders ( kohls account and kohls cash ) it was taking additional time to correct. I was advised that the refund was processed on XXXX and would appear on my account in, you guessed it, 7 days. Well, here it is XXXX ( 8 days later ), and STILL NO CREDIT ON MY ACCOUNT.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Good day paypal closed my account with money in it and they said I will only be able to get the money after 180 days up until now I have not received any message from them I tried to call but they do kot take any calls I stay on hold for hours
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (WA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-04-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (OR)

My mortgage loan consultant, XXXX XXXX, has stopped responding to my emails and calls. Since XX/XX/XXXX I have not heard anything from him, despite being promised by others at Roundpoint that he would contact me. 

I was able to get a hold of XXXX XXXX, a loan processor, who was able to give me an update on my file. After XXXX, I was able to get a hold of XXXX XXXX, today, who finally told me they need more information from me. 

At this point, it's been 60 days since I started this process and I feel like my file keeps getting dropped through the cracks. Every additional day this takes is more interest I have to pay at a higher rate. I'm losing money the longer this takes and no one at Roundpoint seems to care.