davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

A third party represented that a used laptop computer was new, but objective forensic battery tests and opened box with scratches on the item demonstrated that it was substantially used. A premium price of {$760.00} USD was paid to buyer via PayPal. Within hours of receipt, I contacted the fraudulent seller and and submitted evidence. On XX/XX/XXXX, PayPal required me to return the non-complying item to the fraudulent seller ( XXXX ), but insisted that it would not supply me with a credit. Proof of receipt of the item by the seller was given to PayPal along with all proof of noncompliance. Without notice to me and for no reason, PayPal has repeatedly switched this case to numerous associates and moved the waiting period for resolution back without my consent ( from XX/XX/XXXX to XXXX, XXXX, to XXXX, etc. ). The industry standard is resolution within 3 days of buyer 's receipt of returned item. ( see XXXX attached ... PayPal and XXXX were formerly subsidiaries of the same company ). It is prolonging the period in which I'm separated from my money and the laptop I bargained for. The fraudulent seller has both my funds and the laptop, and this has been the case for over a month. PayPal 's online complaint resolution format is rife with problems that make submittal of proof by the innocent consumer nearly impossible, and it sends consumers messages that their messages will be discontinued, which I was assured is not actually the case. The associates handling the case indicate that the fraudulent seller " has monopolized '' the dialogue, when in fact I had initiated the dispute resolution process and submitted ample third party evidence, including video, pictures, tests, web page grabs, and receipts to illustrate the obvious fraud. As I needed business equipment, I had to " cover '' by purchasing a new, more expensive item at a cost of over {$1200.00}. Further, having the {$770.00} charge unreimbursed carries the threat of higher credit card interest on unpaid amounts. In sum, PayPal is even now facilitating the fraud on consumers by allowing the unfair merchant to have both the equipment back and my money.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc. ()

To whom this may concern, This is a formal complaint about the shady tactics of Kinston Data and Credit. XXXX XXXX XXXX XXXX # XXXX, XXXX, ON XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX is the lady I have been dealing with. There are two main complaints about this company that I would like to state and address : 1. ) I Requested a debt verification letter shortly after I was aware Kingston Data and credit was after this alleged debt. I have documentation that I had requested this on XXXX XXXX, 2021. It was accompanied with a cease and desist letter/ request. I did not actually receive any verification of debt until more than a year later. As well, I was continued to be harassed and contacted even after this legal right of mine was exercised. This is most likely a common practice by this company to ignore consumer rights and laws. I will attach the request I made, and I doubt they have evidence they have sent me any sort of documentation they provided me, especially in the given timeline. 

2. ) I was requested to pay a large amount of interest that was stated no where in the original contract with the original creditor. The only opportunity I was given to pay this debt would have been an erroneous incorrect amount. This should not be allowed where collection companys put whatever amount they wish and force consumers to pay it. This amount was never correct until she reported me to the credit bureaus. 

I will also attach documentation that I was asked to pay more then the legal amount with interest on this collections account. The original contract has never stated anything about interest. 

I have paid this account because I didnt know what else to do at this point. However I believe I have grounds to have this collections removed at the very least based, on the unethical practices of this Company. Thank you for your time, and I hope to hear back from you
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-05-18
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. (AR)

I reached to Transunion at the beginning of XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( XXXX XXXX ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through XXXX XXXX XXXX or XXXX XXXX XXXX Both Transunion and XXXX XXXX has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither Transunion or XXXX XXXX has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I sent a letter off on XXXX XXXX to XXXX, Equifax, XXXX, tracking number for each letter XXXX # XXXX, Equifax # XXXX, XXXX XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

On XX/XX/XXXX I signed a mortgage note and gave it to XXXX XXXX XXXX XXXX ( XXXX ). XXXX went out of business by XX/XX/XXXX and did not assign a note to any entity. Then XXXX XXXX XXXX XXXX claimed that it was the servicer of my loan and XXXX XXXX was the owner of my mortgage without proof. In XXXX of XXXX the loan went into default. On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( MERS ) assigned the note and mortgage to XXXX with having a power of attorney, On XX/XX/XXXX Chase created the Affidavit of Lost note, On XX/XX/XXXX Chase assigned the note and mortgage to Bayview Loan Servicing LLC ( Bayview ). On XX/XX/XXXX Bayview filed for foreclosure with the assignment of XX/XX/XXXX, the Affidavit of Lost Note of XX/XX/XXXX, and the Assignment of XX/XX/XXXX. On XX/XX/XXXX Bayview transferred the mortgage to XXXX XXXX ( XXXX ). Now XXXX claims that XXXX XXXX is the owner of my mortgage which negates XXXX, XXXX, and XXXX 's claims about the assignment of XX/XX/XXXX, the affidavit of lost note of XX/XX/XXXX, and the assignment of XX/XX/XXXX. Sometime in XXXX Bayview fabricated a HAM Agreement of XXXX in which a notary public forged my signature. I am trying to get to the bottom of this chain of fraud and figure out who owns my mortgage with proof.
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rent Recovery Solutions (TX)

XXXX XXXX XXXX XXXX XXXX has my private information which is fraud! And IDENTITY Theft! and has sold it off to a third party named RENT RECOVERY SOLUTIONS.. 

They are using my social security number to send information out saying I have a debt which is IDENTITY THEFT! MY PRIVATE INFORMATION HAS BEEN SOLD AND monetized.. as well as mail fraud my name is not spelled in all capital letters they have broken countless laws and need to face suit ... FRAUD, MAIL FRAUD, BLACKmail, identify theft. Etc. None without my written expressed consistent. 
All unlawful. I am requesting that rent recovery solutions delete said debt ... Contract legal and send me funds for Fraudulent claims and IDENTITY THEFT!
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I sent a letter off on XXXX XXXX to XXXX, XXXX, Transunion, tracking number for each letter XXXX # XXXX, XXXX # XXXX, Transunion XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights
Consumer complaint received 2020-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : XXXX XXXX
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALL OF THESE ACCOUNTS ARE FRAUD AT ITS GREATEST
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Hard Inquiries XXXX XXXX  XX/XX/2022 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 XXXXXXXX XXXX  XX/XX/202XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number 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 2022-07-05
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I was charged late fees for XXXX and XX/XX/XXXX when I made timely payments. I was also charged a finance charge even though it's supposed to be 0 %. Total fees were {$82.00}. 

I'll admit that I was really angry on the phone after about the one hour point. They were deliberately giving me the run around and I reached a breaking point. 

This is the text of the email I sent to the Synchrony Bank CEO XXXX XXXX : In XX/XX/XXXX, I purchased a XXXX sewing machine and financed through Synchrony back. In XXXX, I was charged two late fees when I had consistently paid my bills every month without fail. I called, they saw I made my payments and waived the fees. 

Now, this has happened again. I was charged a {$40.00} late fee for XXXX even though I had paid my bill in XXXX. When I saw the late fee on my XXXX bill, I tried to call twice. I was on hold for over an hour on those two calls and never spoke to a person. I assumed it was because of the COVID-19 lockdowns, paid my normal payment and Synchrony Bank would be reasonable out working it out in the next billing cycle. Now Ive gotten my XXXX bill and there are {$80.00} in late fees and a {$2.00} finance charge. 

Again I tried calling. Ive been on the phone with four different people for two and a half hours today, two of whom hung up on me and two of whom directly called me a liar. I repeatedly asked for a supervisor and wasnt given one. I asked for a name of a specific person I could write to and was told they could only give out a general inquiries address. I am understandably very angry at this point. This is starting to feel like a scam. 

Every month, I wait until I get my billing statement and I make my payment IMMEDIATELY. I told the representatives this and two of them called me a liar. Im not lying. I have made my payments without fail as soon as I get my statement. Furthermore, I should not be held accountable for late fees when I tried to call to resolve the problem in XXXX and you did not answer the phone, especially since your staff were probably not available due to COVID-19 issues. I'm astonished that your bank is so unreasonable about this. 

I want the {$80.00} in late fees and the {$2.00} finance charge waived. It's a reasonable request. Even if we disagree on on timing ( and I'm not lying ), my record clearly shows that I make monthly payments and you should exhibit some basic human decency, recognize that, and waive these fees. 

I have always enjoyed an excellent credit history. Now, my score is going down because of you reporting late payments that are not actually late. If this is the way you treat your customers who make their payments, I would hate to see what you do to those that truly are late. 

I am copying this to Billing Inquiries Address, XXXX. XXXX XXXX, XXXX, FL XXXX via US Mail. I will also be filing a complaint with the Consumer Complaint Protection Bureau.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2022-07-05
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: Bread Financial Holdings, Inc. (CA)

PER XXXX XXXX  THIS COMPANY " COMENITYCAPITAL/SALL '' RAN A HARD INQUIRY ON MY CREDIT WITHOUT MY CONSENT THIS COMPANY DOESN'T EVEN HAVE THERE CONTACT INFORMATION LISTED ON XXXX XXXX  ; I HAVE NO WAY OF CONTACTING THEM OR VERIFYING THIS COMPANY IS REAL. 

I am asking for a validation letter proving this hard inquiry belons to me. I demand to know why this company illegally ran my credit without my permission. I suspect SOME OF THE STORE ASSOCIATES ARE DOING IT ON PURPOSES TO GET AN INCENTIVE FROM THE STORE. I SUSPECT I AM NOT THE ONLY VICTIM PER THE FCRA " If you were seriously harmedsay, the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsconsider filing a lawsuit. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, you might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees. ''
Consumer complaint received 2020-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX, I pulled my TransUnion credit report and XXXX XXXX  XXXX was reporting a account number consisting of 12 digits which I knew was inaccurate. So I eventually disputed the account XX/XX/XXXX and the account was verified on XX/XX/XXXX. However, I noticed that the account number was changed from 12 digits to 16 digits. In XX/XX/XXXX, I sent a notarized dispute letter to TransUnion pointing out the discrepancies and inaccuracies regarding the disputed account because I do not have a contract for such account number. I also warned them that if they did not properly investigate my dispute that I would be filing a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my first dispute. Due to TransUnion failure to properly investigate my dispute and removing the inaccurate account, it's causing a unwarranted derogatory status to reflect on my report which is having a negative affect on my credit report score.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

I had a credit card through Comenity Bank, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with XXXX XXXX XXXX, XXXX since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from XXXX XXXX with a statement showing I owe {$1100.00}. This statement was fraudulently created by XXXX XXXX. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by XXXX XXXX. I demand this account be removed from my credit report and XXXX XXXX investigated for their practices.