davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (NY)

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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

EQUIFAX REFUSES TO UNFREEZE CREDIT FILE EQUIFAX is blocking my ability to obtain a banking account to pay for basic necessities ( i.e. groceries, rent, transportation, medical expenses ). 

I demand that EQUIFAX remove the freeze from my credit file until I am able to complete my bank applications.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Since 2017 Experian began to constantly send annoying emails. Especially in the last two years Experian sent pushing emails on a daily basis to buy services from them or through them. That had never happened before. My understanding was that it was an agency that collects financial history background and provides credit reports, but not a sales company. Now I feel Experien intentionally and actively trying to put me down to destroy. I refused to use credit cards after struggling with power abuse and tricks from credit card companies like discover, chase, santander. I took a vacation from credit card companies and my refusal to use credit cards was turned against me. 
Two XXXX accounts that were closed more than 9 and 10 years ago for sure, were reactivated by Experian possibly in coordination with XXXX. Not sure who was first to initiate that. Intentional, knowledgeable and willful abuse began to claim both old accounts as current debts. Whatever was removed from my account years ago, appeared on my account back right away when I was misled to file a bankruptcy XXXX against predatory lending by XXXX. It was an attempt to file for XXXX XXXX  only. The bankruptcy case never was established, never was paid for and the hearing never was scheduled. It was withdrawn, dismissed. Experian refused to remove that attempt for bankruptcy and continue to state that it will be on my record for seven years. It feels like Experian spying on me to make my life miserable.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (CA)

I received statements from American Express in XXXX XXXX XXXX indicating that I owed balances on multiple credit card accounts. On XX/XX/2022, I sent letters to the CFO, of American Express, requesting validation that I am responsible for the alleged debt. After not receiving validation as required by 15 USC 1692 ( g ) I sent American Express a notice of fault on XX/XX/2022, again requesting validation that the debt belongs to me. I only received letters, calls, and text messages demanding that I pay these debts or suffer negative reporting to credit reporting agencies. I filed an identity theft report with the Federal Trade Commission on XX/XX/2022. I then discovered that XXXX XXXX XXXX who, without contacting me, filed a civil suit in my county regarding this debt. I have not received any notice from XXXX XXXX XXXX requesting payment of the debt, or even notification of the right to ask for validation of this alleged debt. The only reason I found out about the lawsuit is that I received a letter from another third-party offering consultation regarding the court case. I looked up the court case and sure enough, without prior contact, XXXX XXXX XXXX are suing me for the unvalidated alleged debt. If XXXX XXXX XXXX had reached out to me with a debt collection letter modeling the B-1 form required by 12 CFR part 1006 ( Regulation F ) I would have asked them to validate the debt as is my consumer right. I would also have provided the prior correspondence with American Express regarding the alleged debt. Finally, I would have provided the FTC identity theft report. After reviewing the CFPB complaints database, I can see that many other consumers have been sued by XXXX XXXX XXXX without prior communication. In fact, it appears that XXXX XXXX XXXX have a reputation for instantly suing consumers without first conducting due diligence to validate debts. It appears that they rely on intimidation tactics, which are the very abusive, deceptive, and unfair debt collection practices mentioned by Congress in 15 USC Code 1692. I will be reaching out to XXXX XXXX XXXX to ask them to validate this debt. I will also be reaching out to the Attorney General regarding the consumer harassment by XXXX XXXX XXXX.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (AL)

I purchased an item from an XXXX XXXX XXXX and had a choice of paying via PayPal or a credit card. I paid via credit card and did not set up a PayPal account. However, PayPal sent me an email stating I had set up a PayPal account and needed to create a password to continue setup. This is a fraud. See attached email.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collins Asset Group, LLC (IL)

COLLINS ASSET GROUP , LLC is using my personal identifiable information to furnish negative items on my consumer report to extort me and to cause me duress in the collection of and extension of credit. I am demanding that COLLINS ASSET GROUP , LLC provide to me a legally binding contract / agreement showing all 4 elements that makes it legally enforceable, and that shows the contract is in the best interest of I, XXXX XXXX, the beneficiary. 

I the Beneficiary / Consumer and natural man ( XXXX XXXX ) am submitting this complaint without any influence from any 3rd party.
Consumer complaint received 2022-09-26
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 (CA)

PayPal continue to keep my money in their hands. PayPal does not allow my access to my money. Criminal minds get together and manipulate with my money. I need to pay bills and my money blocked away from me. This is unbelievable that I have to file complaint after complaint and nothing good happen. How come my complaints get closed at violators requests? The violators do anything, any tricks they want and everything to obstruct justice and retaliate the complainer. 
I am losing every day, because my money practically stolen by PayPal and XXXX XXXX. They want to make profit for them holding onto my money.
Consumer complaint received 2022-09-26
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4600.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NY)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, Experian / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Consumer complaint received 2022-09-26
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: Radius Global Solutions LLC (TX)

This is my official notice of Dispute. I am a consumer and I am concerned that this account Radius Global Solution may be an infringement upon my rights to privacy. I have never provided any direct consent to furnish this account to any consumer reporting agencies.
Consumer complaint received 2022-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Consumer complaint received 2022-09-26
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: Mercedes Benz Financial Services (CO)

Mercedes Benz stated that the payment for XXXX was never received, however XX/XX/XXXX a payment for the entire amount of the loan was sent. We did a buyout of our lease only to find out they would not except the payment. They did not send the money back to the loan company for almost 2 months even though I kept calling Mercedes to send the money back. I was under the assumption the account was paid in full which is why no payment was sent. As a matter of fact because the account showed no balance I did not have the option to pay anything because there was nothing to pay. The account was reopened by Mercedes after 2 months before the money was given back. It is not fair to say I dont pay when I didnt have the option to pay because there was no balance. I am attaching the response from the finance company as proof.
Consumer complaint received 2022-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

In XX/XX/2022, I paid funds into my account after struggling with paying due to covid. The amount paid was roughly {$11000.00} to The Money Source. The reason I paid this amount is because XXXX Florida program would not pay any funds more than {$50000.00}. The account which was roughly {$260000.00} in outstanding funds was than lowered to {$240000.00}. XXXX Florida than disbursed {$49000.00} to the account which should have lowered the amount to {$200000.00} however The Money Source did not apply all these funds and the account sits currently at {$210000.00} which puts a short of roughly {$11000.00}. I have contacted The Money Source several times and they are not assisting with correcting this amount. At this point it appears the funds are misappropriated. I have notified XXXX Florida for potential fraud and currently searching for an attorney to address the matter. This is potentially heading to a lawsuit and if not resolved I will pursue criminal charges against The Money Source. I will also notify XXXX XXXX XXXX is this matter us not resolved immediately.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late TD Bank/Target - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX  - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (GA)

My name is XXXX 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX  - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (GA)

I reached out to Equifax, XXXX and XXXX XXXX and disputed XXXX XXXXard inquiries that are currently on my credit profile. I NEVER authorized any of XXXX companies to pull my credit. I only authorized XXXX XXXX and XXXX XXXX to pull my credit. I made it clear to the dealership that I already received a pre approval from XXXX XXXX and Global Funding and although they have higher rates, I have a thin credit profile and I did not want my credit run by multiple companies. There are at least 7 companies that pulled my credit without my permission and show up 3 or more times on the same day. I have repeatedly reached out to all three credit bureaus and made them aware of what happened and they refuse to comply when I insist that they remove the inquiries. I am also disputing XXXX XXXX. XXXX XXXX implies that I owe them {$1700.00} I have never had an account with XXXX XXXX.
Consumer complaint received 2022-09-26
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: Avant Holding Company, Inc. (NJ)

This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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: ACIMA CREDIT, LLC (TX)

XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine Acima Opened XX/XX/XXXX Account # XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt.

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.