davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

When I provide the correct username and password to the PayPal.com website, then the website no longer allows me to view my account, but now routes me to a webpage titled " Add your phone number. '' It warns " This helps us prevent fraud and reach you if theres ever an issue. '' It explains " By providing your phone number, you give us permission to contact you about your branded PayPal accounts using automated calls or texts to service your accounts, investigate fraud, or collect a debt, but not for telemarketing. If you dont want to receive automated calls or texts, you can change your preferences in your account settings at any time. '' When I input my phone number that is associated with my PayPal account, I get an error message that says " This type of phone number isn't supported. Check your number and try again. '' In sum, the PayPal webpage will not allow me to use their chat feature because login is required. I have called PayPal twice, speaking to their customer service and their tech support, but they verified that multi-factor authentication is turned OFF on my account and simply told me to change my password, which I did, but the error message persists. Therefore, it is an unfair for PayPal to require me to provide my phone number in order to access my account and simultaneously reject my phone number associated that is with my account, especially while multi-factor authentication is turned OFF on my account.
Consumer complaint received 2023-06-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

FCRA Opt-Out Request. 





XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/23 XXXX ) Original XXXX : XXXX XXXX XXXX XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX. XXXX ) Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 
XXXX ) XXXX  XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Account number XXXX Subject : Opting Out of Any and All Authorizations Pursuant to the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorization whether they were given to you in written, unwritten, verbal, or non-verbal form.

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies.

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information.

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future.

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer.

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-28
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. (MD)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

I was looking for a job at XXXX, a company called XXXX XXXX hired me for remote job. They sent me check to buy the equipment. Before that they yold me to buy crypto currency and deposit what I had through XXXX. The check bounced back and now my account is negative balance by thousands. The bank can not help me I already explained them the situation.
Consumer complaint received 2022-12-28
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-23
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. (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 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 2022-10-18
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

This is a credit card that I wanted to make payment arrangements but I was told they don't do this now my account has gone to a law office to get the full payment account # XXXX Date XX/XX/2022 attorney review
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

The company Portfolio Recovery purchased a debt from another company and I had no involvement with this transaction. As a natural person pursuant to 15 USC 3002 I, XXXX XXXX am a consumer and am not in charge of this name in all caps. Pursuant to 15 USC 1692b2 this company has reported that I owe them {$450.00} via the three credit reporting agencies ( XXXX XXXX and XXXX ) which is a direct violation. 15 USC 1681 states that the only ways information could be furnished in a credit report is by court order or with a consumers written consent and in this case neither was furnished. Also on XX/XX/1933 congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declaration that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment legal tender for public and private debts.
Consumer complaint received 2021-02-12
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: Experian Information Solutions Inc. (LA)

PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a XXXX balance.
Consumer complaint received 2023-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022 we closed on a XXXX with Truist Bank. We were advised that the promo rate of 3.3 % was locked for 1 year and a copy is enclosed. We took a draw of {$85000.00} on XX/XX/2022. 

Since our draw our rate has increased as follows : In XXXX the rate was 4.05 % XXXX 4.80 % XXXX 5.55 % These increases were done with no written notice. Since then we have received two written notices of increase to 6.80 % and 7.050 %. Copies of these increases are enclosed.

At no time during the application was there a mention of a rate increase during the first year. We were only told what the rate would be after 1 year. We were also talking at this time with XXXX XXXX XXXX  which had a promo twelve month rate of 3 %. We certainly wouldn't have closed with the Truist Bank if it wasn't a twelve month locked in rate. 

We have called Truist Bank on several occasions and gone to the original bank and another branch to rectify this problem. We haven't had any success.
Consumer complaint received 2022-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

On XX/XX/XXXX I called my mortgage company to make a half mortgage payment - that was to be applied to my account on XXXX ( it was approved by my mortgage company to pay in this manner and I have been doing so since XX/XX/XXXX when I was first approved for my loan modification ), with the understanding that I will call back on XX/XX/XXXX to make the 2nd half of the full mortgage payment. Well, when I called back on XX/XX/XXXX and made the XXXX half payment as promised, the customer service representative informed me that she was unable to find the payment that I made on XX/XX/XXXX to be credited on XX/XX/XXXX ; and to this day, I am being told that they can not find the payment. I was getting ready to make my XXXX payment XXXX minutes ago and now my online statement indicates an entire missing payment. I have submitted proof from my checking account that the payments have been electronically drafted from my checking account, but they still can not find them. I have since been charge a late fee and now the online portal will not allow me to make my XXXX payment without making the XXXX payment as well. 

I am very upset about having negative information on my mortgage account. Since my loan had been modified after my Covid-19 hardship forbearance, I have been making a concerted effort to make every payment on time. I am very frustrated and disappointed in this situation because it makes me feel extremely uneasy about having my mortgage with this company. I have never heard of such a thing as an entire mortgage payment being lost, despite my providing proof that I paid it. This is unacceptable, hence my filing of this complaint. Please help me make Shellpoint Mortgage recover my payment, credit my account and remove the late fee.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (TX)

Im stating once again this company is an under violation of regulation out of the fair debt collection practices act. I have never been notified about this debt. They can claim they sent all the emails they want to claim they sent. That is not a sufficient initial contact to give somebody the right to dispute the debt either they remove this or I will sue them and Im going to win
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (AK)

I had a loan with CONNS XXXX XXXX. I had gotten a loan for furniture for an original balance of XXXX XXXX I had paid them from XXXX of XXXX until XXXX of XXXX. During all that time my original balance never changed. I attempted to contact them to resolve issues and always would. Talk to a rude abusive customer service representative. When I was late I would get constant calls at all times of the day. The calls would frequent from calls every other day to every 3 days. When I didnt answer or told them to stop calling me and that I didnt have the money at the moment and would pay it in a couple days when I got paid or would be willing to return the merchandise and pay the fee they got aggressive with me and werent willing to work with me so I told them I was just going to deal with it being charged off with a different agency since I knew I would actual be able to pay it down instead of my money disappearing they not only continued to call me but started calling my work. The emails would frequent just as much as the calls. Once it got close to it going to a collections agency I started getting emails saying it was in pre-legal status and then legal status. Finally my account was charged off and given to a collections company however I recently started getting emails saying they pulled it back temporarily and I should pay them ( This was yesterday XX/XX/XXXX ) When my account finally charged off and closed. There was a balance of XXXX $ despite all the payments made from XXXXnow the balance never went down it only was more then the original. Also each time I disputed the dates in which I was late it changed. When I would receive phone calls initially I was more than willing to work with them. However if I was busy and I said I would call them later to resolve the issue, the mitigation/ customer service rep would aggressively yell at me to pay and give them my card info. During the year of XXXX I was in XXXX and had a hard time making payments due to lack of service so I was making them as much and as soon as possible however they would continue to berate me during the phone calls. I would also like to state I never received any paperwork at any time in the mail or in writing. I would have had no problem dealing with them if they hadnt contacted me so aggressively, actually applied my payments to my account instead of pocketing it and didnt make calls to my work ( Im in the military so the office phone gets answered by anyone in office so they embarrassed and harassed me in front of my co workers. ) I shouldnt have to argue with a representative in customer service about calling later to resolve an issue if I dont have the time at that current moment.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX XXXX Account # XXXX open balance : {$710.00} Date openedXXXX Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : ( XXXX ) XXXX Account : XXXX  Account # XXXX Open balance : {$390.00} Date opened:XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (FL)

Equifax informed me that XXXX XXXX had pulled my report. 

I did not request XX/XX/XXXX to do so. They opened a charge account, days later I received a statement for {$300.00}. ( See copy of statement ) I called XX/XX/XXXX and asked about this, they had my proper mailing address as listed on the statement. However, they did not ship the items to the address on the statement, but to another address, not in Florida. They would not tell me the address. 

The items purchased were, sheets, boots and perfume. I did not purchase these. 

I completed a fraud report for Equifax and mailed ( see copy ) and I also filed a report with the local Sheriff department ( see case # ). Both the Equifax and the local Sheriff dept. directed me to also file this report with the FTC Thanks for your help. 

My name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-25
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: HYUNDAI CAPITAL AMERICA (NV)

In XXXX I financed a vehicle with Kia. In XXXX I disputed inaccurate delinquencies. My proof of on time payments was dismissed by Kia and the credit bureaus. XX/XX/XXXX I received a redress check for {$100.00} plus a letter from Hyundai which now owns Kia. I cashed the check then submitted a copy of the letter to XXXX and XXXX. XXXX dismissed my dispute because the letterhead says Hyundai and not Kia. They said I dont have a Hyundai account on my report ( because its Kia. ) XXXX closed my dispute without correcting my credit report. They said they are basing it off what information Hyundai/Kia tells them!!! The CFPB lawsuit, ruling, and the fact that I received a redress payment means NOTHING TO THEM. Hyundai ( Kia ) is in violation of pages 26 and 27 of the court order requiring them to correct errors on my credit report. Its my belief that their paperwork is so bad that it can not be accurately adjusted so my request is for the entire account to be removed from my credit report. I believe Hyundai needs to send letters to all credit bureaus. I also believe they now owe me more than the {$100.00} redress since they are in violation of the court order and they are violating the rules in general. I want them held accountable in a swift fashion.