davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
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)

Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Subject : Formal Complaint against Portfolio Recovery Associates Amount : {$820.00} Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Portfolio Recovery Associates, including text messages, emails, and phone calls. I insist on engaging through written correspondence. 

In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Portfolio Recovery Associates is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Portfolio Recovery is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Consumer complaint received 2023-06-09
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: Resurgent Capital Services L.P. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-06-29
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. (GA)

The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

Debt paid through office XX/XX/XXXX and submitted as paid to Focus Recovery on XX/XX/XXXX. Focus recovery proceeded to put on credit report on XX/XX/XXXX after DR office informed them it was already PIF.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX ACCOUNT NUMBER- XXXX
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.
Consumer complaint received 2020-07-24
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. (WA)

Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as XXXX. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

Since taking out this loan approximately 7 years ago, I have made all payments on time to my mortage company and have provided all insurance documents and anything/everything else that has been asked of me and yet, for the last year or so, I've been constantly harrassed with all sorts of notices about missing payments, questions about insurance, and a whole slew of other things -- none of which make any sense whatsoever. 

Everytime I call them, I have to start from scratch, eventually reaching the point where the person I'm speaking with appears to realize that indeed, these numnbers do no make sense. At that point, I am told that this will be passed on to a supervisor who will get back to me within a few days but that NEVER happens. Instead, I get all sorts of form letters in the mail saying that they " have been trying to reach '' me, blah blh blah ( which is not true -- they do NOT call me ). 

All my payments are automated -- I can document all payments AND my property has been insured since I bought it in 2010. 

Yesterday, I got a notice that they intend to forclose on my property if I don't pay {$2600.00} by XX/XX/XXXX (!!! ), this coming after I sent a detailed letter to them last month insisting that they get my account straighened out once and for all. Needless to say, there was no explanation at all ( btw -- the amount remaining on my loan is approxzimately XXXX and my property is worth about XXXX ). The FACT of the matter is that I owe them NOTHING. There should be NOTHING in escrow, no late payment charges. I am all paid up! 

The above is the gist of my frustrating situation. If necessary, I can provide more detail but I'm hoping that what I've provided is enough. I am paid up in full with them and THEY need to straighten out their records -- I can't do that for them ( Please note that 4 of my monthly payments were returned to my checking account recently because I was misinformed that I didn't need to change the mailing address when Shellpoint reaquired the administration of this loan several months ago -- - BUT that those payment have been subsequently re-paid ). This has been extremely frustrating and I am not getting any younger. Thank you for your help.
Consumer complaint received 2021-10-18
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. (PA)

To whom it may concern, There are fraudulent inquiries harming my credit report and my life. I have attached my Identity Theft Report as instructed by Equifax. 

Equifax must take it upon themselves to remove these inquiries from my credit immediately. 

The fraudulent inquiries on my report are as follows : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (OH)

In mid-XXXX of XX/XX/XXXX, we contacted a roofing contractor to give us an estimate on replacing our old roof with a new metal roof. He quoted us a price {$8900.00} for a complete roof tear off, replacement of compromised roof decking, removal of old chimney, and installation of a new 5 rib metal roof with new gutters. He drew up the proposal on a contractor 's invoice as he was out of blank proposal documents. 

We agreed to this estimate on XX/XX/2021 and signed the estimate. We provided the roofing contractor a {$4600.00} down payment through XXXX using a Barclays credit card so he could lock in the price for the metal roof. The charge for that money was billed to our account on XX/XX/2021. 

To date, we have been unable to contact the roofing contractor to inquire about the work he agreed to perform as well as ask about a refund of the {$4600.00} that was charged to our account. We have been in contact with Barclays to resolve this issue and to try to get a credit on our account. 

The first dispute we filed with Barclays we were informed via letter dated XX/XX/2021 that the merchant has not violated the terms and conditions of sale. Another document stated that we somehow violated XXXX XXXX terms of service and that XXXX would not refund to Barclays for our account. 

The second time we filed a dispute with Barclays I faxed copies of the proposal that we had signed and again we were informed by letter dated XX/XX/2021 that Merchant has not violated the terms and conditions of the contract. They also stated in the letter that they would not be able to assist us further with this issue. 

We take issue with the second investigation because the contractor has absolutely violated the contract as we have not received any material and no work has been performed in the removing and replacing of our roof.
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: NAVY FEDERAL CREDIT UNION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-07-24
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. (LA)

Contacted Experian ... Still waiting on paperwork from them to reply to police ... Customer who has this on my record refuses to speak to me directly refers me to collections company ... Collections company refer me to Experian to which Im spoken to them several different occasions concerning this fraud on my report ... I also made them aware that they where in violation of my consumer rights to which the ignored ...! THESE CREDIT REPORTING AGENCIES ARE SCAM ARTISTS SELLING ILLEGAL SERVICES ...! XXXX XXXX has consistently provided me with accurate credit data with XXXX XXXX and XXXX XXXX stating different from Experian ...! EXPERIAN IS A RIP OFF AND NEEDS TO BE FULLY INVESTIGATED
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (GA)

Suntrust froze my account on XX/XX/2019 said was due to close account because is under investigation for fraud dept. I received wire funds for sale from estate items. Which was about {$34000.00}. The bank said it was closing my account because of rules and regulations. I received a notice XX/XX/2019 of the account closed. When I called the bank to see if my funds are being sent to me they are telling me now there is a hold on this until XX/XX/2019. This has caused me so much grief is there anything I can do to get my money. At closing of the account there was still XXXX in my account. The person who wired the money even try and call bank and nothing. Please I need answers and my money back
Consumer complaint received 2021-06-27
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. (SC)

On XX/XX/2021 I sent a letter to the credit bureaus asking them to investigate some WRONG accounts that they are reporting on my credit report. It happens that a few days ago I came back and I see that the accounts have not yet been removed from my credit report and the credit bureaus did not even deign to answer my disputes. Where are my rights? They are violating them, and their customer service is terrible when you try to get answers on the phone with them, they definitely do what they want with consumers and nobody protects us. That is why I am submitting this complaint with you in the hope that you will listen to my complaints.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following company has not received written consent to have the account listed below to be furnished on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX opened on XX/XX/2021 XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (SC)

I had contacted the copanies with certified letters asking for detailed billing information, signed contract with the debitor and I have yet to receive any information that included any of the following. The information is inaccurate and should be removed off my XXXX credit report as it has already been removed from my XXXX and XXXX.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (WI)

I sold a pair of shoes through PayPal which was shipped and tracked through XXXX. The buyer stated he received the shoes but I forgot to take off the very small security tag. Buyer refuses to return the shoes and not says he never received them. PayPal is charging me a total of {$55.00} which includes a {$15.00} fee. 

PayPal needs to read the notes from the buyer and seller and they will know the buyer is just scamming to get a free pair of shoes.
Consumer complaint received 2023-01-31
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. (FL)

I filed a complaint and sent a letter out on XXXX XXXX XXXX to XXXX XXXX, Experian, XXXX, and XXXX. My complaint # XXXX. However, it has been more than 30 days and this account has not been deleted from my Experian account. this is not making any sense being that this account is fraudulent and this company trying to collect this debt isn't even licensed and legally allowed to collect in the state of Florida. 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. As i stated previously XXXX XXXX  is not licensed/registered to collect in the state of XXXX That is illegal! According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC (CA)

The name of the company is etoro XXXX my email address is XXXX I was inquiring about a cost for a certain crypto how much XXXX coins would cost but instead they withdrew {$550.00} from my checking account their website platform made it appear you were checking the price not withdrawing money from your checking account a pure scam, I contacted the website by withdrawing the money but it keeps showing in process and only allowing me to withdraw {$510.00} but I still have not received it the process started on XX/XX/XXXX 2021and still nothing they say 1to2 days you can not contact them by phone they just give a worthless website to file a complaint that. They don't respond to. I want my money back it was taken fraudulently
Consumer complaint received 2022-07-21
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXXXXXX  Reference # : XXXX Bankruptcy : XXXX  XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

Below please find the details of my transfer of {$2000.00} USD via PayPal to my fiance ' in The XXXX. Instead of sending the cash to the recipient, PayPal allowed a " company '' named XXXX intercept the money and they will not release it until XX/XX/2020. She needs this money to give to an attorney on XX/XX/2020 for a legal matter. 

XX/XX/2020 money sent to ; XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2020. 
Paid with ; XXXX XXXX XXXX XXXX Your backup is MasterCard XXXX Exchange rate ; {$2000.00} USD = XXXX XXXX  XXXX XXXX = XXXX XXXX Transaction ID ; XXXX Sent to ; XXXX XXXX XXXX Details ; Sent to XXXX XXXX XXXX XXXX Fee XXXX XXXX
Consumer complaint received 2018-02-13
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. (GA)

IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.