davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 40 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2022 XXXX ( XXXX XXXX ) sent {$380.00} to a person on XXXX ( XXXX XXXX ) email XXXX ) with the expectation they would transfer XXXX tickets to a concert via XXXX. Instead they kept the money as a scam and never sent the tickets and stopped communication. Upon further investigation this individual scammed multiple people on XXXX with the username XXXX XXXX  later changed to XXXX XXXX On XX/XX/2022 within 20 minutes of the initial transaction I contacted Chase Bank who initially assured me that " Chase almost always refunds scammed customers as a measure of fraud protection but please call back in the morning ''. She called Chase again on XX/XX/2022 at approximately XXXX who stated they would look into it and resolve by XX/XX/2022. Chase sent a message on XX/XX/2022 and refused to refund the money. She also contacted XXXX who stated to seek a refund from Chase.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This I.C. SYSTEM, INC account with a balance of {$500.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the XXXX bureau XXXX XXXX XXXX XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a XXXX XXXX.
Consumer complaint received 2021-02-25
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: The Phoenix Recovery Group (TX)

There are four credit reports on my credit reports that are not mine not I authorized in writing to be responsible for apartments that I never resided in such premises at all! They are fraudulent, and I continue to have such a damaging report repeatedly by submitting new data every cycle as they amuse without any foundation at all.
Consumer complaint received 2021-02-25
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 ()

PayPal closed my account due to false accusations from customers via XXXX causing it the Paypal account to be suspended and will not help me with getting it back up and going. I am a trusted seller on XXXX with over 40 five star reviews proving how safe I use Paypal. I rely on Paypal hugely is a source of income and without it I struggle. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to the Paypal account is XXXX XXXX
Consumer complaint received 2023-01-11
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc. (NC)

I have become aware and informed of the use of credit according to the truth in lending act. On XX/XX/2022 I mailed Prosper MarketPlace, INC a billing Error dispute in regards to an extension of credit account pursuant to 12 CFR 1026.13 ( 4 ) ( 5 ) ( 6 ). Prosper failed to comply with resolving the billing error by not responding in the time given by law and took adverse action against me by reporting late payments on my credit reports which was prohibited by law 12 CFR 1026.13 ( d ) ( 2 ) damaging my reputation. I exercised my consumer rights in good faith pursuant to 12 cfr 1026.13 ( d ) ( 1 ) to withhold payment till the billing error was resolved and prosper never resolved but they took immediate adverse action against me. I became aware that banks have the power to borrow and give security therefor and pay interest thereon pursuant to 15 USC 1431. Under truth-in-lending 15 USC 1605 a finance charge was charged which is the sum all charges and also included the INTEREST! The account in question shows positive credits ( the interest ) and no evidence of indebtedness, and those credit, I believe, should be credited to the consumers account. I believe every cash payment that I paid to prosper on the consumer credit transaction was unearned interest, according to 15 USC 1615 I am requesting a prompt refund of those cash payments. I am asserting my rights, as a consumer, by requesting additional clarification, including documentary evidence pursuant to 12 CFR 1026.13 ( 6 ) of tax records, bookkeeping of both journal and ledger entries of financial in accordance with 15 USC 44 " Documentary Evidence ''. I have also mailed Prosper MarketPlace and their registered agent a Pre-Arbitraiton Notice.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-08-29
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: Thaxton Investment Corporation (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

My house sale closed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me the balance in my escrow account. USAA XXXX was the insurer of the house and a new policy was to take effect on XX/XX/XXXX. 
Because the house sold on XX/XX/XXXX, USAA closed the policy. They sent me this message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The pro-rated refund of {$550.00} has not been sent to XXXX XXXX yet. The policy cancellation was not keyed until XX/XX/XXXX, and was backdated with a cancellation date of XX/XX/XXXX. The refund to XXXX XXXX will be processed within the next two weeks. 

We value your business and the opportunity to serve all your financial needs. 

Thank you, XXXX XXXX USAA -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Why would USAA hold XXXX the {$550.00} & then send it 2 weeks later to XXXX XXXX? XXXX XXXX XX/XX/XXXX : I checked the XXXX XXXX acct -- NO {$550.00} had been received ). It makes NO sense for USAA to send the check to XXXX XXXX - I am NO Longer a customer thre & my mortgage was paid OFF.
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Used Debit Visa card for a deposit. Cancelled the order never got merchandise. Merchant did nit respond or credit my deposit. 
Contacted my bank who gave me a credit While they investigated my complaint. Their policy was to issued credit while investigation.. 
Usaa reversed my credit on XX/XX/XXXX despite my submitting the documents they requested 3 times for proof of dispute.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

I have a loan with AMEX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019, XX/XX/2019 ), lastly I was never 90 days late ( XX/XX/2019 )
Consumer complaint received 2024-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gordon, Aylworth & Tami, P.C. (OR)

I am writing to file a formal complaint regarding an alleged debt collection by Gordon, Alylworth & Tami, P.C. The collection agency has contacted me regarding an outstanding balance of {$5400.00}, which I believe is not my debt. 
I received a collection letter from Gordon, Alylworth & Tami, P.C. dated on XX/XX/year>, claiming that I owe the stated amount. I have no knowledge of this debt and do not believe that it is my responsibility. In response, I sent a written request to the collection agency for the following information : 1.A copy of the original contract or agreement bearing my signature.

2.Payment History 3.Name and address of the original creditor 4.Proof of collection authorization The documents sent back in return still do not verify that this is my debt from Gordon, Alylworth & Tami, P.C. I have also verified with my personal bank, that no such check has ever been deposited. I have no knowledge of requesting this personal loan. Despite my request, the collection efforts continue, which I find both concerning and unfair.
Consumer complaint received 2020-08-29
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. (NV)

My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX # XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX # XXXX Balance {$210.00} XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-08-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sensible Auto Lending, LLC (PA)

On or about XX/XX/XXXX I called Sensible Auto to inform them that my job has shut down due to the COVID-19 pandemic. My car payment was due at the end of that week. I was told that I should try to make the payment. I explained to the CSR that I couldnt make the payment because nothing was open in my city. The next day I received a call from Sensible Auto about my payment, I explained the same thing, my city is shut down, I cant make the payment right now, this CSR tried to imply that I was fired from my job, my job was secure, my job was shut down due to the COVID pandemic. For 2 weeks I went back and forth with Sensible Auto about my payment. I was told by another CSR that I should have been saving money for emergencies like this. Another CSR told me that if I surrender the vehicle my credit would be shot and I wouldnt be able to get anything in my name for next 7 years. I told them I was NOT holding the vehicle hostage and it is sitting in front of my house, if they wanted it, they could come and get it, after 2 weeks of bickering back and forth I had, had enough. I was informed on XX/XX/XXXX by another CSR that they would be coming to get the vehicle because they could not wait any longer for payment and that it would take approximately 7-11 days before they could come and get it, because my city is shut down ... .like I informed them 2 weeks prior and everyday up to this point. The next morning at XXXX XXXX., I went to gather my belongings from the vehicle and it was gone already. I tried numerous times to get a hold of someone at Sensible Auto, to find out where the vehicle was taken so that I could retrieve my belongings, and I didnt receive any responses. My mothers ashes were in my vehicle along with other items that I needed. No one ever returned my messages, but they were sure to mail out a deficiency letter. Had Sensible Auto waited a couple of more weeks I could have made the payment with the stimulus check that I received. I dont feel like I should have had my vehicle taken during a pandemic, and I dont feel as though this should be on my credit report, as I had no control of the COVID  pandemic, or my job shutting down.
Consumer complaint received 2021-09-09
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. (FL)

I recently bought a car. The dealership ran my credit 25 time. I understand that when shopping for a house or car loan the can apply to as many places as you want in 30 days to get the best rate. My understanding of the fair credit act is that the inquiries made in a 30 day period should only count as one inquiry. They are showing as 25 different inquiries which had lowered my credit score over 20 points. How do I fix this.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

XX/XX/XXXX To Whom it May Concern : On the morning of XX/XX/XXXX, I was informed by my mother that Fair Collections and Outsourcing ( FCO ) was trying to reach myself or my wife to collect a debt. The debt in question came from XXXX XXXX. We had previously rented a home from XXXX of XXXX through XXXX of XXXX. We have since bought and sold a home in XXXX and moved to XXXXXXXX XXXX  and have not had any correspondence with XXXX XXXX since XXXX of XXXX. 
We received a certified letter within the legally required 21 days claiming excessive damages, to which we disputed via certified letter and emails to the local office. We never heard back from XXXX XXXX after our dispute, not an email, not a single phone call, not a single letter. 
Given the time we moved out, we were flat out denied a move out inspection, citing an abundance of caution due to the COVID-19 pandemic. We raised our concerns about not having a move out inspection, yet they fell on deaf ears, as the standard COVID-19 excuse seemed to justify their actions. 
FCO now claims, that I owe a {$760.00} in damages, and the burden of proof lies with me and will not provide me documentation until they inform XXXX XXXX that we are disputing the charges. XXXX XXXX will then conduct an investigation on the dispute by revisiting the home in question. A home that my family has not lived in since XXXX of XXXX, a home that received new occupants in XXXX of XXXX. Further, FCO refuses to provide access to any documentation pertaining to the debt collection until XXXX XXXX approves the request.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.