davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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. (MN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX has XXXX XXXX XXXX Account # XXXX 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

This morning, I discovered unauthorized inquiries on my credit report and I dont understand why theyre there. I regularly check my credit report and never had this issue before. I refreshed the page several times to make sure it wasnt a browser glitch, but the inquiries remained. I am extremely frustrated by this, and I need my documents to be carefully reviewed to ensure this issue is resolved once and for all.
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: EQUIFAX, INC. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Hi, in the flesh XXXX XXXX XXXX, and I am writing the demand to delete the following negative info from said company MEDICAL DATA SYSTEMS INC. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity, and have enclosed copies. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M, and ALL applicable UCC Articles.
Consumer complaint received 2022-06-27
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. (MN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX has XXXX XXXX XXXX Account # XXXX 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased a XXXX XXXX XXXX and financed it through Santander Consumer USA in XX/XX/XXXX. We sold the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a check for the amount owed on the vehicle to Santander, and as of XX/XX/XXXX the account was paid in full. XXXX XXXX owes me money on the vehicle, but they are holding the money until the receive the title. In South Carolina, titles are held electronically, therefore Santander must release the lien on the title electronically. Santander keeps sending letter stating the lien has been paid off, but they for some reason will not send a electronic release to the DMV. I can not get anyone from Santander to give me a clear answer, they just keep sending the letter over and over again. The DMV told me there is nothing I can do because Santander will not send over the electronic release of lien. The letter they sent really does not mean anything. Santander also keeps giving me different reasons for not releasing the lien electronically, and they tried to say South Carolina is not a title holding state, but they more definitely are. I have contacted Santander numerous times, and they will not help us. We are having money held from us because of this issue. I am not sure why they will not send the electronic release. This is become a huge issue for me, as I have spent hours trying to fix it situation. It is getting to the pint where it is becoming a legal issue.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

OnXX/XX/XXXX I, ( the " Consumer '' ), started to receive phone calls from an unknown number at inconvenient and unusual times for me. On XX/XX/2022 at XXXX EST I decided to call the number back after having received another phone call from the aforesaid unknown number without having my permission to contact me. On the aforementioned date and time, I spoke with a person unknown to me by the name of, XXXX XXXX, who claimed to represent L.J. Ross and Associates. I asked XXXX XXXX why L.J. Ross and Associates had been causing my phone to ring without my permission and XXXX XXXX responded by saying, that it was an attempt to collect a debt for XXXX XXXX in the upwards of XXXX XXXX ( XXXX ) dollars which was a false and misleading representation of the character, amount and legal status of the debt XXXX XXXX claimed was owed. I informed XXXX XXXX that XXXX XXXX had not reached out to me regarding a debt owed and that I had not directly given L.J. Ross and Associates prior consent to communicate with me. XXXX XXXX transferred the call to XXXX XXXX, alleged supervisor for L.J. Ross and Associates. While speaking to XXXX XXXX, he engaged in unfair practices by attempting to continue to collect an amount that was not expressly authorized by any agreement creating the alleged debt or permitted by law. I kindly asked XXXX XXXX to send me a copy of the agreement between L.J. Ross and Associates that would permit the collection of the alleged debt as well as the license from the STATE OF MICHIGAN permitting L.J. Ross and Associates to collect debts for a third and XXXX XXXX refused. L.J. Ross and Associates have committed identity theft by using my personal or financial information without your permission. L.J. Ross and Associates have invaded the privacy of my family and I as Consumers, and violated the rights of the Consumer. L.J. Ross and Associates, are in violation of the following ; 15 U.S. Code 1692c, 1692d, 1692e and1692f.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

western union : - XXXX recording date : - XX/XX/2021 amount in USD : - XXXX amount and currency to be delivered : XXXX rupees I have sent this money to XXXX to my family member bank account he never received the money till today i have tried to contact western union several times and they are saying that i have to ask that XXXX XXXX  how can i ask them i have did this transfer with western union so i have to ask them from last 2 months they never helped me to get my refund back or to make money available to the receiver they are keep on sending email to the XXXX XXXX  and the XXXX XXXX  is keep on saying that the money is already deposited in the receiver 's account and that6 guy never receive the money
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2021, I was called by a fraud company that used the caller ID of my utilities services company, XXXX. I was told that if I did not pay immediately, I would have my electrical services cut off. I sent four payments for a total of {$1900.00} through XXXX. I contacted my financial institution ( Chase Bank ) and they denied my claim. XXXX was also unable to help me since the money had already been transferred.
Consumer complaint received 2021-10-08
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

In XX/XX/2021 of this year. I had to file a police report due to the fact that my house was broken into. Upon examining what was taken I realized my wallet was stolen with my PayPal cash card, my drivers license, social security card and my laptop with all my passwords to my account, also some jewelry items I had at the time. Due to this issue I have dealt with a lot of issues with Identity theft. My PayPal account was hacked. My XXXX  was hacked. 

I contacted the XXXX Sheriffs Department, filed a police report and was advised to contact XXXX  to delete my account and that I would need to contact PayPal and inform them of any issues with my account and that they would investigate the issues surrounding the burglary. I was finally able to have my court case and the perpetrator arrested who unbeknownst to me was a neighbor who lived 2 doors down from me at the time of the incident. 

Working with PayPal I had to submit a claim due to activity showing money received by from the Department of Labor in XXXX State was being posted was then immediately transferred to multiple cards that the perpetrator had attached to my account. I immediately contacted PayPal again. 

I was able to change my email, phone number and information on my account and had secured my account. During this time from XX/XX/2021- XX/XX/XXXX I didn't have access to my account. After submitting my claim. I was informed to supply documentation supporting my claim. I supplied a police report and docs from the court. I was informed by PayPal a few days later PayPal closed the claim ( XXXX ) and I was refunded {$3700.00}. Due to the fraudulent activity PayPal has limited my account permanently to the point where I cant access the refunded funds holding me liable even though the claim was won in my favor. 

I contacted PayPal XXXX and was advised that they would allow me to add my card or bank to withdraw the funds. I have contacted support and was advised even though PayPal corporate informed them to add my card and/or bank so I would be able to access the monies stolen from me. That I would need still to wait another 6 months to receive my money even though I have waited for the outcome of this issue. This is unacceptable! 

Why should I or anyone have to pay for the acts of a criminal? All I want is PayPal to acknowledge that I did win my claim, remove the limitation on my account, allow me to attach my card, bank to transfer my money out to me or send me a refund by check and to close the account. I have attached a screenshot of the message showing the message received from PayPal stating they would allow me to have my funds and then the next minute say sorry you have to wait 180 days. I also submitted a claim to the XXXX XXXX XXXX *see attached*
Consumer complaint received 2021-10-08
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: Synerprise Consulting Services, Inc. (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-11-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (CA)

As of XX/XX/2021 I have filed a complaint with GM Financial case number XXXX ( XXXX ) about a fraudulent contract that was received and accepted by XXXX XXXX XXXX XXXX XXXX This puts me and GM Financial in a litigation process. Since then GM Financial has repossessed my vehicle violating me under the FDCPA 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure. 
FROM THE CODE I HAVE PROVIDED YOU CAN CLEARLY SEE THAT EVEN IF I DONT PAY THE DEBT THEY ARE NOT ALLOWED TO REPOSSESS MY PROPERTY. They have hired an uninterested 3rd party by the name of XXXX XXXX XXXX to repo my vehicle while in litigation. I need this information for the purpose of using exhibits while in court with GM. I also need this exhibit to help with amending XXXX XXXX XXXX  to the case I asked them to provide me with the order for the repo all they gave me was the name of the Lien Holder which is GM. I have provided a Lien search Certificate from the Secretary of State of California and as you can see there is no Lien in my name. GM Financial and XXXX XXXX XXXX is committing fraud here. This isnt a duplicate complaint this is more information provided for the CFPB that the crime was in fact committed. I am demanding a response from GM on why they have repossessed my vehicle if federal states even if I dont pay they are not allowed to.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (FL)

I have a complaint with discover I have been a card holder for XXXX years currently with a line of credit of {$7500.00} with a balance of {$450.00} outstanding payment history recently I received a notification requesting documents from irs of proof of income in which I provided prior to accepting card first year of having. There is nothing in there disclosure that warrants these actions and speaking to two XXXX co workers whom stated they have never went through this I feel discriminated against totally and Im filing a complaint toward this company if this was a regular process why isnt it disclosed.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (TN)

I was unable to find the selection I need as this is in reference to a Text message. It is my understanding that Debt Collector 's must include a way to opt out of texts when they message you, however, there was nothing listed in the message. They already call me many many times a week, i do not wish to receive texts from them as well. I have attached a copy of the text for reference.
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30,60, and 90 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (CA)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 XXXX : {$200.00}
Consumer complaint received 2021-11-02
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. (MD)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-11-02
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. (WI)

I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to my credit report
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I tried to log into my comenity bank account on XX/XX/27 to make a payment and kept on getting the same error message : were sorry. A technical glitch has occurred and your request can not be completed. Please try again. 

I tried to call the number on my card to make a payment over the phone and after waiting to get to customer service, the automated voice said their offices are currently closed and it hung up on me. 

I went to their social media pages and found out theyve been doing maintenance on their website since LAST WEEK and no one has been able to make a payment or access their account information. This is illegal. 

They are not responding accordingly to customer complaints. Additionally, they wont say whether theyd waive the late fee or what will happen when all of our late payments get recorded on our credit scores. Very dishonest and unbelievably sketchy.
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXX FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE