davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (CA)

Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for Midwest Recovery Systems and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by Midwest Recovery Systems, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.
Consumer complaint received 2024-04-10
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)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/year>, I sent a cease and desist letter via registered/certified mail to Portfolio Recovery Associates . This letter formally requested the cessation of all collection efforts regarding an alleged debt in my name, in the amount of {$460.00}, citing protections under U.C.C. 1-308.4. 

Additionally, over 90 days ago, I initiated a dispute through XXXX, one of the major credit reporting agencies. This dispute requested verification of the debt, specifically seeking documentation bearing the original signature that authorizes Portfolio Recovery Associates to collect the alleged debt. To date, Portfolio Recovery Associates has failed to provide any such documentation or respond adequately to my dispute, which raises concerns regarding the validity of their claim and their compliance with debt collection laws. 

These actions taken by Portfolio Recovery Associates are concerning as they have not only ignored my legal request to cease debt collection activities but have also failed to verify the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ). 

I look forward to your assistance in resolving this matter, ensuring that all collection practices are conducted legally and fairly.
Consumer complaint received 2024-03-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

My father purchased a XXXX amex digital giftcard for me to pay my school tuition with. I was unable to use it online to pay because it kept denying because its a gift card and I dont have a name or address attached to it. Amex states that you can call them and register your card but then when you call they deny and say they are unable to do that. I can not use it in person because no retailer or company wants to just type in the digital numbers. I asked amex to send me a physical card and they refused. I am really annoyed because if you go on the website it states that anywhere online will take it as long as that company takes amex but literally no company or website takes it so I cant use it online or in person because I dont have a physcial card. I am fed up and want my money asap.
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I called to see why my payment hasnt posted and turned out that this is a debt collection company. This account was solely with US Auto. US Auto sold my debt to XXXX without my knowledge. This is a clear FTC violation of code 15 USC CODE 1681S-2.
Consumer complaint received 2022-08-05
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX. Account # 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 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I was informed about this debt in XXXX of XXXX. I had just started paying debts off that I definitely knew that I owed and I was then told that I was told that I had another debt owed to we bank that portfolio recovery had taken over. I never knew anything about this debt and I was never aware that I had a card like this. They told me it was for XXXX I never owned a XXXX computer or ever purchased XXXX I only ever owned an XXXX  or a XXXX. So I asked to dispute the charges. Portfolio Recovery told me they would. I never heard back from them. Then in the end of XXXX my employer sent me a letter telling me that my wages were going to be garnished. So I called Portfolio and they told me they could not do anything but dispute it again. So I filed a motion to vacate the garnishment on the bases of mistaken identity/ fraudulent claim. I know wait for an answer from the courts. The case will be heard on Friday XX/XX/XXXX
Consumer complaint received 2024-03-16
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX XXXX  I requested all of the relevant information that lawfully gives XXXX XXXX XXXX the right to furnish an alleged debt to my consumer report. I also asked for a contract or agreement that I have with them. XXXX XXXX XXXX never provided this information. They sent a photo copy of some documents and none of the documents have their name or any signatures on them. Therefore are hearsay. XXXX XXXX XXXX never had have my written permissible permission or purpose to furnish any transactions to my consumer report.
Consumer complaint received 2020-06-01
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Subject : Formal Complaint Regarding Unverifiable Collection Account and Identity Theft Dear Sir/Madam, I am writing to file a formal complaint and seek assistance regarding a concerning issue I have encountered with a collection account appearing on my credit report, as well as potential identity theft concerns. 

In late XXXX of this year, I received notification of a new account on my credit report attributed to Columbia Debt Recovery, also operating under the name Genesis Credit Management. Upon thorough review, I found that the account was listed as a collection account. Immediately, I took steps to address this matter by contacting both companies via mail on XX/XX/2024, to request validation of the account. 

To my dismay, both attempts to contact Genesis Credit Management and Columbia Debt Recovery were unsuccessful. Despite using the addresses listed on my credit report Genesis at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and Columbia at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX the letters were returned to me as undeliverable. 

Furthermore, on XX/XX/2024, I discovered additional new accounts on my credit report, while some of my existing accounts mysteriously disappeared from the XXXX report. In light of these developments, I promptly reached out to XXXX for guidance. They advised me to submit identification documents to initiate an investigation. Simultaneously, I contacted my credit card company, XXXX XXXX, who recommended involving the authorities and completing an identity theft report. 

Subsequent attempts to correspond with Genesis and Columbia via certified mail, including the submission of an identity theft form, were equally futile. Genesis provided an expired forwarding address, and the address listed for Columbia proved to be nonexistent. After conducting further research, I discovered that both entities now share an address and operate exclusively under the name Columbia Debt Recovery. Thus, I sent another certified letter to Columbia using the address provided on their website : XXXX XXXX XXXX XXXX WA XXXX. U

nfortunately, this letter was also returned as undeliverable. I appreciate your attention to this matter and kindly request a prompt resolution to alleviate the distress and uncertainty caused by this ordeal. Please do not hesitate to contact me if further information is required to facilitate the investigation.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC (TN)

Today I noticed a collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I was not aware that I owed this debt. I was not notified of this debt. The Consumer Financial Bureau ( CFPB ) states, " debt collectors should follow certain steps before reporting a debt to a credit reporting company. These steps include : ( 1 ) Speaking with you in person or by phone ( 2 ) Following the rules about how to contact you ( 3 ) Mailing a letter or sending an electronic communication about the debt ( 4 ) Waiting at least 14 consecutive days to see if a notice of undeliverability comes back '' However, I was not notified in any of the ways of the debt. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt or notifying me. 

I never received a phone call or an email. My email often changes due to security and storage purposes. I also have never spoken to them by phone. I have also never received a piece of mail ever... I have never seen or spoken to them in person. 

I am completely disgusted at how collection agencies can ruin someone's life and post fraudulent stuff on someone's credit report and get away with it. I want this derogatory remark removed from every credit reporting agency immediately or legal actions will be taken.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

on or about XX/XX/2024 this writer applied for membership at XXXX XXXX XXXX. This writer was denied due to incorrect and/or fraudulent information attached to an account reported by Chexsystem. I filed a complaint with chexsystem and requested that they remove the incorrect / fraudulent information from their system, but they have refused. chexsystem is a third party company that lacks knowledge of what occurred between this writer and the negative account listed with them. Chexsystem has just engaged in Defamation per se by reporting incorrect and fraudulent information to a third party. In addition, chexsystem is in violation of 15 usc 1691. This writer does intend to file a civil lawsuit against chexsystem in the coming weeks, however this writer needs this fraudulent account removed ASAP, as it is hurting this writers employment, finances and way of living and preventing this writer from financially advancing in the world.
Consumer complaint received 2020-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (MO)

In the past against my explicit wishes Firstmark Loan services has contacted family members including my elderly grandmother about loans that were just a few months past due. 

In the past year or so I have not let that account get that behind and it is currently up to date and has not been more than one month behind in probably a year or more. However I am, at most, one month in some sort of annual or biannual check of contact information which I updated online today. This info has not changed in 3 years. But without attempting call or email or send a letter about this they decide to start calling my Aunt instead. 

This is ridiculous I am a XXXX year old why do they keep reaching out to my family about my personal private information and all on a small student loan debt that has been a few months behind at worst!
Consumer complaint received 2024-04-10
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)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, XXXX or Transunion written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it to me.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My car was broken into which someone was able to obtain my information and opened accounts in my name the accounts are fraud and they don't want to remove them I sent copies of police reports and so on and they haven't been removed
Consumer complaint received 2024-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MS)

Navy Federal is violating my civil right and accused me of opening a account with them over 20 years that ways fraudulent and i did not open it they opened and account with out checking the identity of the person who opened the account but want to try and blame me for there mistake and cover it up. i told them in a appeal that i was a fraud Victim over 20 years ago and someone stole my personal information to open accounts and credit cards in my name i never signed anything to open any accounts i told them i was the victim for years and i am punished for something i did not do.i would never wish this on anyone. i was the victim. i also told them the person was arrested and charged for ID theft for using my identity. now im being told my saving account has a restriction. i am the victim and i have proved that XXXX  times but Navy Federal is trying to blame me for there mistake 20 years ago. also i was on XXXX with XXXX and could move and walk for years because of a accident. there is know way i would of walked in the bank or even called back then.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I purchased a car in XXXX and the loan provide at the time was XXXX. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both Experian and XXXX have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( XXXX ) and redeemed repossession ( Experian ). I sent a letter to XXXX ( who bought XXXX and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascension Point Recovery Services, LLC (UT)

This goes back to a problem with XXXX and XXXXXXXX XXXX My husband passed away last XXXX. I call XXXX to cancel his account. I was told this was done ; however, I continued to receive billings for his account going into XXXX. Each time I contacted them I was told a different story. 
After paying close to {$1000.00}. for my husband 's account without anything being done, I closed my account and went with XXXX, I also submitted a complaint though the XXXX 
I received notice from both XXXX and XXXXXXXX XXXX that both my husband 's and my account were closed. 
I was sure the matter was closed until I received a letter from XXXX XXXXXXXX XXXX I checked XXXX to be sure this was a ligament company, and it is. 
The letter said this was a collection from XXXX and XXXX bank stating as of XX/XX/24 there was an unpaid balance of {$320.00} I have contacted both XXXX and XXXX XXXX and have been assured that the accounts have been closed and there is a XXXX balance, which makes me think this letter is a scam.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

XX/XX/24 I called to find out what the minimum monthly payment needed to be to pay off in XXXX yrs ; they told me {$100.00}. I had to call them as their bank statement does not provide this type of information any longer. XXXX I called to check since the bank statement says minimum payment due was {$100.00} and the minimum payment due warning says it would take 16 years to pay balance if only making minimum payment. Their customer service rep said it was not an accurate note on the bank statement and was exaggerated figure. She also said the minimum payment I was currently making was applied to a 5 year repay plan based on the XX/XX/24 call. I only work on 3 year repayment plans, so they had it wrong or intentionally wrong. Today, they told me {$130.00} p/month based on existing balance minus ~ {$50.00} mo interest charge would be the minimum amount to pay off {$2600.00} balance in 3 years at rate of 25.9 %. This is too confusing and lacks appropriate details. The texted me a disclosure to accept new payment plan today {$130.00} for 3 years which I accepted. But given their track record on this, I am not fully trusting this will be correct. Why are they no longer displaying a 3 year repayment option on their statements? I though Obama administration via CFPB had enacted these changes? Is this wrong? Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2020 a method of verification letter was delivered by certified mail to TransUnion. The method of verification was in regards to a public record from U.S. Bankruptcy Court XXXX number XXXX. I never received a response back. On XX/XX/2020 a non response letter was delivered certified mail to TransUnion. Today is XX/XX/2020 and I still have not received a response back from TransUnion.