davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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. (FL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I mailed a letter to TransUnion and XXXX  requesting my grand-daughters credit file be frozen due to identity theft My issue however, is with TransUnion. I went to their website to see what documentation needed to be submitted. I provided ALL required highly sensitive information including a copy of mine and my grand-daughters SSN 's and a letter restating everything ( which I copied and pasted from their website ) XX/XX/XXXX. This indicates to me either someone failed to review my highly sensitive documents or didn't understand them and tossed them to the side. Either way presents negligence on their part. I am attaching the letter I sent them, along with TransUnion 's and XXXX  's reply after I sent them both the same identical information.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (TX)

I was contacted by State Collection service by text and phone ( even outside of the time window they are supposed to contact ) with claimes I owed a debt. I did not recognize what the debt was for and asked on at least 3 occasions, twice on phone calls and once by letter, for validation of the debt since I did not recognize it.

They continued contacting demanding payment but never provided the validation documents and recently reported the debt to credit agencies.

I am not going to pay a debt I don't recognize and under the law, the validation documents should jave been provided.
Consumer complaint received 2020-07-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

There is an account for a XXXX XXXX place that continues to report new open dates on a debt that is very old. This makes no sense one bureau indicates it's a charge off the other indicates it's 120 days late but they all show an open date of late last year. I have requested proof of this debt and I am getting the run around.
Consumer complaint received 2023-01-20
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. (NY)

I XXXX XXXX, have filed a dispute with the respective XXXX credit bureaus XXXX, XXXX, & Equifax. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.
Consumer complaint received 2021-07-06
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. (NH)

Upon checking my report i noticed some issues with reporting as payment history across all three bureaus did not match up across all three bureaus as well as I was a victim to XXXX pandemic and the amended american act which allows consumer an accommodation period to not be negatively affected for late payments on loans. 
ultimately i did complete paying off the loan later on but late payments have hurt my score. 


( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 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 car account under an open end consumer credit plan as late for any purpos
e.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Not reporting anything on my credit report. No score, No accounts, no. Nothing at all. And has been his way for a lo g while as the other XXXX ( XXXX ) XXXX & XXXX DO & HAS CONSISTENTLY.
Consumer complaint received 2021-07-06
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: CURO Intermediate Holdings (CA)

I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results. Please help me with this.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Good morning, Im writing this letter to figure out how a debt collector can some how open an account that shows up on my credit report for an account that has been closed for years, like 4-5 years. Now Ive tried to dispute it, but says it meets FRCA I have no idea what this means. How can a debt collector just come and make up an account without support. I havent used or even signed up for a XXXX XXXX XXXX since 2016, I currently have no accounts with this company. If I call Portfolio Recovery they then state I recognize that Im referring to the debt and acknowledge it, say what!?! If I call I acknowledge the debt is true, how do I request proof of the account if by calling Im saying it is true.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I encountered an issue with a double charge for my wedding photography payment of {$880.00} in XXXX with my Wells Fargo Visa credit card. After noticing two identical transactions from two different merchants, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, I initiated two separate dispute inquiries with each merchant as I was unsure which one to file with. One dispute was closed immediately, with the explanation that it was a duplicated error.

However, the other dispute was also closed, stating that the merchant had provided the services for which I was billed, and that I had accepted the services. I strongly disagree with this decision, as I have not paid for the same service twice in one day, especially for wedding photography services.

I have spoken with Wells Fargo customer service and expressed my concerns, requesting the exact time that the transactions occurred. Unfortunately, I was unable to obtain a satisfactory response. While I was advised to file another dispute with the other charge, it had already been declined at the beginning of the process. 

I am deeply dissatisfied with this outcome, and I would like to file a formal complaint regarding this matter. I kindly request a thorough investigation and resolution to this issue, as I believe it is unjust and unfair. I would like the extra {$880.00} refunded.Thank you for your prompt attention to this matter.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX  that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This nonaffiliated third party company is adversely hurting my credit report by reporting a debt without authority, consent nor authorization. The statute of limitations on the alleged debt from the original company has also expired and they are falsely reporting it with a new date to keep from deleting it. This company is fraudulently reporting themselves as " factoring company account '' and list the account as a " loan '' when they are in fact not a factoring company but a debt collection agency and I have never ever had a loan with this company. This is a willful violation under federal law and under FDCPA, FCRA. I have reported this business too many times for using bad faith practices and fraud utilizing different avenues, including to the FTC for fraud, as well as disputed it with XXXX more than three times to which the account has not been deleted per regulations provided in the dispute. They are intentionally hurting my report and their representatives are highly unprofessional and unethical when responding back to complaints submitted on CFPB, instead of following guidelines and removing the debt when fraud has been made known to both Portfolio Recovery and XXXX on several occasions. I would hope they did not open a loan in my name in the meantime or there will be serious consequences for that unethical act. They will share your proprietary information online knowing they are in the wrong and it is illegal to do so. This corporate giant has already been sued for similar practices and still are pursuing and partaking in those practices despite several attempts, and knowledge of regulatory guidelines to get them to refrain from it. This will be my third complaint and my fourth dispute under 15 USC 1681b and submitting a fraud report to the FTC. Delete this account I do not authorize this debt collection company disguised as a factoring company to continue reporting this fraud and adversely hurting my report with inaccurate information and expired information.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, I was the victim of a malware attack that apparently got into my XXXX account, was able to change my email filters so I would not see certain emails about " bank, fraud, or recovery '' and likely got into my stored usernames/passwords and financial credentials stored in XXXX. Subsequently, my PayPal account and 2 other finanacial institutions were targeted for fraudulent transactions. 

On XX/XX/2021 two unauthorized transactions took place on my PayPal account that went into my PayPal credit account. # 1 was a {$1.00} " Donation via PayPal Giving Fund '' which I theorize was a " test run '' before # 2, a {$1400.00} transaction to " XXXX XXXX XXXX. '' Both of these transactions were made without my authorization or knowledge. I had to XXXX what this company was, and it was some video game design class or something that I have no dealings with. 

I did not notice these transactions until XX/XX/2021, where I immediately submitted an unauthorized activity case submission to PayPal. On XX/XX/2021, they denied my claim responding : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' The following day on XX/XX/2021, I wrote an appeal to their decision, explaining that 2 other financial institutions had agreed I was the victim of parallel fraud activities and argued that the transaction was not " consistent with my PayPal history '' as my PayPal credit account had set dormant for months, I have a PayPal credit card I have used for credit purposes, and I have never purchased any video game-related items with PayPal because I don't play video games. I also made available my willingness to provide any additional information or documentation. 

On XX/XX/2021, they again denied my appeal, citing " This decision was made because this transaction was not unauthorized. '' I am writing to the CFPB to complain that since I did not authorize these transactions, PayPal did not perform an adequate investigation into my fraud. I do not have in my possession whatever video game item was purchased for {$1400.00}. I am the victim of fraud. At no point did PayPal reach out to me to ask for any information coming from my end, yet somehow they concluded that I authorized these transactions. I respectfully request that my complaint be escalated that a more competent investigation be completed and that PayPal not ignore their platform being used for fraudulent activity.
Consumer complaint received 2021-09-16
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: PENTAGON FEDERAL CREDIT UNION (NC)

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pentagon FCU XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, Bank of America had a mortgage lender that sent me a preapproval letter that approved me for a 30 year conventional loan for a {$300000.00} home. On XX/XX/XXXX, purchased a {$280000.00} home and I had to put down a deposit of {$2800.00} for earnest money, a {$100.00} nomination fee and I had to pay for a {$400.00} home inspection fee. I paid {$3300.00} and now on the last day of the underwriting process, Bank of America has denied to finance my 30 year conventional loan for the {$280000.00} house. The bank of america mortgage lender has denied to return my {$2800.00} earnest money, he denied to return my {$100.00} nomination fee and he denied to return my {$400.00} home inspection fee. Bank of America committed mortgage fraud because they gave me a pre-approval letter for {$300000.00} and they misled me and committed mortgage fraud and now I'm out {$3300.00}. Bank of America needs to return my {$3300.00} because their mortgage lenders committed mortgage fraud.