davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D2 Management LLC (OH)

I received a call from XXXX threatening to have me arrested. They also called my daughter and my employer. The calls and messages were very threatening. They told me to call XXXX. When I called the number, I was told I was being sued and it was a debt from XXXX XXXX  XXXX. I had previously been called about this same debt by D2 management. 
When D2 management refused to send me proof of debt, I contacted the XXXX. The responses I got from the company were not satisfactory and very rude. It seems as though D2 management gave this debt to the company that called me today. Neither company can provide me written proof of debt. I called XXXX XXXX XXXX directly, and they informed me that I don't owe them anything. I don't know the name of the company that called me today.
Consumer complaint received 2023-06-18
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: SYNCHRONY FINANCIAL (MD)

I purchase clothing online from XXXX XXXX and used their site and PayPal Credit since it was offered and it was offer no interest with Paypal for purchase made at XXXX XXXX if balance was paid in full with 24 months. 

So i purchase clothing items online of about {$550.00} worth us paypal to pay it and when the merchant ship the order and took payment. I should have be required to sign for the package as I have a Signature Require with XXXX, XXXX, and USPS unless the merchant authorizes the release and overides my sign required hold. In this case that is what happen the order with delivered by XXXX in three white shipping bags that where thrown on my porch and the bags where open and ripped and had one piece of tape on themin attempts to keep bags from being notice open which I took pictures of when i got home and saw them. I contacted the merchant and requested a return and refund. The merchant refuse to refuse money charged me return shipping fee. and confirm receipt of return this all within 14 days of purchase. I received confirmation they received return. but not refund and they claim to email me a egift card store credit for the amount when i requested and demand my Credit Account with Paypal that was charges be refunded. Merchant has not refunded anything to my paypal account. I have disputed the billing and charge with PayPal and PayPal Credit and the allow my dispute but come back in favor of merchant and stated a pruchase was make, and if I want refund I must return the items are you kinding me I did return items, I never signed and or accepted the packages and delievery and XXXX, USPS, and XXXX have on my online account restricted delievery address requires signature to delievery. The pacakages and items were delievry not as purchased and agreed, the items were damaged and open and not in new sealed conditions, if I had been present at delivery I would have refuse delievery due to condition of packages ( 3 Bags ) and again requested and demanded a refund and I paid for good to be delivery in a certian condition which the merchant and courier fail to down and therefore intitled to a refund upon return receipt of items from merchant which I received and which merchant charged me {$7.00} for shipping of returns to them. 
I disputed the matter with Merchant and attempt to resolve with no success, I disputed with Credit Company the charge that I was charge for items that I received outside scope of assume agreement on a online order and purchase and one did accept and or sign for it and therefore didnt accept the condition of items states during delivery and the items return merchant and my credit account should be refund in full or dispute should be in favor of me Of and now all my letters and there finding are not longer available to be to print and or save
Consumer complaint received 2023-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to submit disputes with XXXX via Phone, Fax, and postal mail for a XXXX XXXX XXXX account which is being reported on my profile that is not mine. I called XXXX again on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the XXXX automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my XXXX report are due solely to being the victim of their XXXX data breach. XXXX has tried to send me a settlement of {$44.00}, I would prefer if XXXX would properly update my profile. XXXX 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided XXXX with FTC reports, Police XXXX, and valid documentation from creditors proving what they are reporting is incorrect, yet XXXX fails to update my profile. I would like all inaccurate information to be deleted and suppressed.
Consumer complaint received 2023-09-13
Product: Credit reporting 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. (TX)

I am writing to report unauthorized hard inquiries on my credit report that I did not initiate or authorize. These unauthorized inquiries have negatively impacted my credit score, which may subsequently affect my financial opportunities.

1. Details of Inquiries : On XX/XX/2023, I noticed XXXX unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. Immediate Actions Taken : I promptly contacted all the credit bureaus involved. XXXX was cooperative and removed the unauthorized inquiries within 24 hours of my request. 
However, when I reached out to XXXX and Equifax, I faced challenges. They suggested I contact the creditor directly for a dispute letter, a step I found unnecessary given the unauthorized nature of these inquiries. 

3. Additional Concerns : Despite my efforts to resolve this with XXXX and Equifax, their processes and timelines seem prolonged, which increases my concern about the undue negative impact on my credit standing. 

I'm looking for an expedited resolution to ensure my credit report accurately reflects my financial behaviors. Given the immediate effect these inquiries can have on my credit score and the potential long-term implications, I believe swift action is required.
Consumer complaint received 2024-12-17
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

I received my new EDD Money Network debit card in mail. Called number to activate and create pin- completed successfully. Didn't have my checking account info to transfer money into so I hung up, then downloaded Money Network app after getting my checking account routing info. 

Then attempted to create new user account with app, but didn't know username or password. So Called Money Network for assistance and found out that the account associated with the EDD card I received was compromised the day the card was mailed out. The account was then closed and I was told that I could not access any of the money from EDD using the card I just activated and created pin- because the account needed to be closed. 
I asked customer service assistant on phone to verify and update my address, email, and phone number to prevent hacker from receiving check that would be mailed out to me. Check would take 10 business days to get to me.

I'm very upset with the lack of security for the EDD Money Network debit card because an account should not be able to get created/hacked before the physical card is received and activated. 

Now, I have to wait additional 10 business days for replacement check to arrive. Why couldn't this company have better account protection? How was a hacker 's email and phone number allowed to be added/ associated with a new debit card on the day it was mailed? Seems to me like Money Network has an insider security issue that needs to be investigated immediately. 

I hope my check for full amount of XXXX benefit arrives before XXXX as today is XXXX XX/XX/year>. It is being mailed out from XXXX  I'm told, while I live in California. EDD needs to be made aware of this issue.
Consumer complaint received 2022-10-22
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. (SC)

I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.
Consumer complaint received 2022-07-18
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

I am repeatedly receiving phone calls of harassment, profane and abuse language and threats of prison, jail, violence and death from LVNV Funding for a debt of {$220.00} from creditor XXXX XXXX XXXX XXXX XXXX XXXX. The account and debt was fraudulent and is the result of identity theft. The account is not my account. Its a fraudulent account. LVNV Funding is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2023-09-13
Product: Credit reporting 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. (IL)

I have had an issue with Transunion for the past year I couldn't access my credit report due to TransUnion allowing another social security and birth date to added to my credit profile fraudulently as well as fraudulent account and infraction on my credit report i have been constantly having the issue of accuracy and correct information on my credit report with Transunion credit reporting i ask that this information be block removed under 15 U.S. Code 1681c2 ( a ) Block-Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for 12 years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage US bank property.
Consumer complaint received 2022-08-21
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-11-29
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)

I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!
Consumer complaint received 2021-03-26
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. (FL)

Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
In Cortez v. Trans Union, LLC, 617 F.3d 688 ( 3d Cir. 2010 ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under 1681e ( b ). 
I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York Higher Education accounts need to be deleted immediately.
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NC)

The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with BridgeCrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report. I sent in the affidavit and other documents showing I didn't make this online car purchase yet they still will not remove this from my credit report. I even sent in the payment of {$9700.00} per XXXX when I called into BridgeCrest over a month ago and the car is still showing on my XXXX and XXXX credit report. This isn't fair and I might have to hire a lawyer to sue BridgeCrest. The car was never purchased by me then I send in the documents they required to remove the loan and I also sent in the payment amount shown on my credit report and confirmed by XXXX that works for BridgeCrest in the amount of {$9700.00} and the account is still on my credit reports. I need someone here at the CFPB to help get this mess corrected asap for it isn't fair at all to me as a consumer who is a victim of online fraud!!!!
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}