davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I checked my credit report on XX/XX/XXXX I reached out to the original creditors and I also disputed the inaccuracies with XXXX, XXXX, and XXXX. XXXX  reached out to me XX/XX/XXXX saying it was verified as accurate m. I never received any proof of the accounts being mine.
Consumer complaint received 2021-11-02
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX, XXXX and XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WF CRD SVC ( Account # XXXX Date opened XX/XX/2015 Balance - ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau 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 remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXBalance {$1400.00} XXXX XXXXBalance {$1200.00}
Consumer complaint received 2023-01-31
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. The List of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MD)

I received a collection notice from Common Wealth Finance on XX/XX/XXXX the notice stated they were collecting on debt in the amount of {$1200.00} for XXXX XXXX. The notice stated I had 30 days to file a dispute if I believe the debt is not my debt. I filed a dispute and sent it certified mail the collection agency received the disputed on XX/XX/XXXX. The collection agency did not allow me the 30 days to respond to the notice they sent the collection to be added to my credit report to all 3 credit bureaus. XXXX updated my credit report on XX/XX/XXXX, XXXX added this collection to my credit profile on XX/XX/XXXX and XXXX added this collection to my profile on XX/XX/XXXX. This did not allow me the 30 days to respond to the notice. I sent a notice requesting debt validation which was received by the collection company on XX/XX/XXXX as of today XX/XX/XXXX I have not received a debt validation response. I contacted Common Wealth Finance on XX/XX/XXXX inquiring about he response. I spoke with a representative named XXXX who verified they had received my request on XX/XX/XXXX and they were unable to provide me with he validation information I had requested. XXXX stated Common Wealth Finance had sent 2 request to their back office to send have the validation information mailed to me however she had not seen notification in her system that the response had been mailed to me. I also informed XXXX the company violated the FCRA when they did not allow the 30 days for me to respond before reporting this debt to the credit bureaus. XXXX stated the debt was not reported until XX/XX/XXXX which is incorrect according to my credit report notifications. XXXX stated this was an error created by the credit bureaus. XX/XX/XXXX I contacted XXXX, XXXX and XXXX inquiring about this collections account being added to my credit profile. All 3 credit bureaus stated the collections company reported the account to be added to the account in XXXX.
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the Fair Credit Reporting act 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 2022-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

Date : XXXX XXXX, 2022 Amount : XXXX EUR Action : I sent XXXX EUR to a XXXX  via PayPay by allowing my own USA-based credit card-issuer to convert from USD. The words " cash advance '' do not show up anywhere in the process of sending money to XXXX  accounts, so I was surprised the next day when my bank charged me a cash advance fee of 3 %. The only notice from PayPay before the transaction implies that there may be a fee for currency conversion ( " Your card issuer will determine the currency conversion rate and what fees they may charge. " ), but doesn't mention that the transaction will be run as a cash advance, so there's no expectation that there will be any additional fees other than currency conversion fees.
Consumer complaint received 2022-02-22
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. (CT)

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with TransUnion, XXXX and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report 3 years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Consumer complaint received 2022-09-22
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: JPMORGAN CHASE & CO. (TX)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

I am an attorney at the XXXX  XXXX XXXX XXXX filing this complaint on behalf of my client, XXXX XXXX, who is the successor in interest of the subject property. An authorization is attached. 

XXXX XXXX is the daughter and successor in interest to the borrower, XXXX XXXX, who passed away in 2014. XXXX and XXXX owned the property jointly as joint tenants with a right of survivorship ( deed is attached ). Under XXXX  law, XXXX thus became the sole owner of the property automatically upon her mother 's death. 

Shellpoint refuses to acknowledge XXXX as the successor in interest to the loan or allow her to assume the loan with the modification she other qualified for and successfully a TPP for. It improperly cancelled her loan modification and started a foreclosure. 

Inexplicably, Shellpoint demanded that XXXX open a probate action and become executor of her mother 's estate in order to effectuate a modification/assumption even though she is already the sole owner of the home and probate served no purpose under Connecticut law . It further cancelled her loan modification because her deceased mother could not sign it. XXXX nevertheless attempted to follow Shellpoint 's instructions and spent {$660.00} opening an unnecessary probate action. Shellpoint still was not satisfied, and initiated foreclosure, adding more fees to the account and subjecting XXXX to the potential loss of her home when she has already qualified for a loan modification and successfully completed a TPP.
Consumer complaint received 2021-02-23
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. (TX)

Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.
Consumer complaint received 2022-09-22
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. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (DE)

I entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services was sent a notarized notice Pursuant to the Fair Debt Collection Practices Act as defined under 15 usc 1692g. Pursuant to GAAP ( Generally Accepted Accounting Principles ) Mercedes Benz Financial Services must prove that money left their account if they gave a loan.

Mercedes Benz Financial Services continued communicating violating 15 usc 1692b. ( 2 ) ( 5 ), 15 usc 1962d ( 1 ), and 15 usc 1962f ( 8 ) as defined. After such communication, I communicated with Mercedes Benz Financial Services as defined under 15 usc 1692c. ( c ) 2. On XX/XX/XXXXat XXXX, Mercedes Benz Financial Services further took action violating 15 usc 1962f ( 6 ) ( A ) ( B ) ( C ).
Consumer complaint received 2021-07-12
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. (TX)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CT)

Milestone Mastercard XXXX XXXX XXXX XXXX/ MI XXXX XXXX XXXX XXXX , OR XXXX XXXX XXXX I took out the card and Without using it or activating it the card came with a balance of XXXX This balance is very deceiving. They charge an annual fee without the person ever activating the card. The other issue is it is not made abundantly clear beforehand that this would occur. If not for XXXX XXXX I would have never noticed and I would have been unjustly billed. 
I called and complained about the charge. I not yet understanding why there was a charge to my account told the individual I spoke to I never used the card and I should not have a balance. I also told them I did not want the card. I want it closed and I would be reporting them to consumer finance. Their response was asking me if I wanted to activate the card. Luckily I said NO and repeated I wanted the account closed out. They transferred me to a manager. 
After talking to a manager I discovered had I activated the account I would have been stuck paying the fees. I felt mislead. The woman I spoke to before clearly tried to trap me into having to pay the fees by 1st not disclosing I would have to pay the fees if the card was activated and 2nd by ignoring my demand to close the account and offering to activate the card. 
This is not a trustworthy company! 
XXXX XXXX has many people complaining that this card is not clearly transparent on the annual fee. And they clearly do not explain we will not be held accountable if we do not active the card. And clearly if you call to complain before they explain the fees and how to avoid them they try to push you to activate your card. 
Now my concern is how trust worthy are they to follow through and not charge me a fee and how will this affect my credit score.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery has violated my Federally Protected Rights under the FDCPA. I sent Portfolio correspondence to cease communication and they failed to comply with federal law. I am aware I was never obligated nor responsible to pay a 3 party debt collector pursuant to 15 USC 1692a-3 I have received repeated phone calls with the means of coercing and swindling me into paying an alleged debt under 15 U.S.C 1692d ( 4 ). I am aware you using my consumer report with Extortionate means to swindle me into paying an alleged debt. I have now put you on Notice to XXXX XXXX from me from all mediums as stated in attachment. The FTC rule XXXX. XXXX prohibits creditors and sellers from selling and purchasing consumers credit contract which is unfair and deceptive practice to collect on a contract you are not the holder of. You are not collecting on behalf of your client you are collecting on behalf of your debt collection business and will be held accountable in Federal Court.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have sent letter after letters since XXXX of last 2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to XXXX, equifax and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER  stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

i recently sent a letter to the MIDLAND FUNDING and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (NC)

I bought XXXX $ of crypot currency ( XXXX ) from etoro platform First thing i observed that the currency price when I submitted was at least 4 % More the chart price. To make sure I tried again without submitting the order They do the same thing which is change the price. 
Second of all I tried to withdrawal my money many times but I couldn't. I tried to report the problem to the company but they didn't answer my email Also therr phone number is only automated mailbox. 
Third. 
Yesterday they shoot down the platform because of the lower market. 
I just need to withdrawal money
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX