davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

It came to my attention that my phone number was registered with Venmo although I have never had an account nor done business with them. I tried to register using my phone number and personal information but was met with a message indicating that my phone number is associated with an existing account registered to an email that is not mine and would appear to be a non-domestic email address. As a result, I contacted Venmo via the contact information on their website to advise them. They replied very timely and provided the following response. 

It appears that the phone number you are reaching out about is already on file with us. In order to look further into this, we'll need to verify some additional information. At your earliest convenience, please send along the following using our Document Upload Form : A picture of your unexpired US government issued photo I.D . Acceptable forms of I.D . include a drivers license, state I.D . card, passport, or green card. Please be sure that this is a picture and not a photocopy. We will not be able to accept a photocopy. 

A screenshot of your most recent cell phone statement. You are free to cover all information on the statement except for your name, the date, and the associated phone number. 

You can find our Document Upload Form here : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX We need to see your ID in full, so please do not omit or cover any information on your ID. 

This is a ludicrous request to ask a non-customer to provide personal documents and information like this. I want them to take action to disassociate me and my phone number from this service to prevent any unauthorized or fraudulent activity.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (AL)

in accordance with the Fair Credit Reporting act 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 2022-09-22
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022 AMEX placed an inquiry on my XXXX and XXXX credit reports. I did not authorize the inquiry and I don't recognize it. 

Please remove this inquiry off of my credit reports ASAP. 

Thank you.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (IA)

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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX account balance {$800.00} on my Equifax Credit Report has violated my rights. 

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cost to believe that the information is in accurate.
Consumer complaint received 2022-12-13
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. (TX)

Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to XXXX XXXX standards.Accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
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: General Motors Financial Company, Inc. (NY)

These accounts that appear on my credit report do not belong to me, they are hurting me, please check them XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 

XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is a statement by myself, XXXX XXXX in regard to an ongoing issue that I have been having with Capital One. As of XX/XX/2020, I signed up with a debt management company to help me pay off my credit card debt because I have a hardship. All of my creditors accepted the program without any issues, except for Capital One. I worked directly with my credit counselor Faith for over nine months trying to get Capital One to accept the program. The management company submitted over ten proposals to Capital One and every time Capital One would verbally tell Faith and I that send a new proposal and we will approve it, but they never did. Faith and I have called Capital One namouras times in an attempted to understand why the proposal was not getting approved even though we were told it would be. One of the supervisors we spoke with told us the reason it isnt getting approved is that my Capital One account was on an internal program ten years ago! However, I know for a fact this is just not true! I have tried for many years to have Capital One lower my interest rate and was told many times that even though I had good credit they would not lower my interest rate. So, I know for a fact that I was never on an internal program with Capital One. I proceeded to ask the supervisor to show me proof of this program. She said Capital One will pull the paperwork that I supposedly signed ten years ago for this internal program. Seven to ten days go by and Faith and I decided to call Capital One back, we spoke to another supervisor and she told us that Capital One had no record of me being on an internal program however, they still will not put me on the money management program, and she had absolutely no explanation as to why Capital One was still refusing to accept the proposal from the money management company! 
Additionally, thought out this last year regardless of Capital One not approving the program, the money management company has consistently been making my payment to Capital One on my behalf every single month! ( please see attached invoices ) So, even though Capital One has been receiving my payment they have been reporting on my credit that they are not getting paid, which is a flat-out lie! And on top of reporting nonpayment, they have also been charging me almost {$2000.00} in overage and nonpayment fees. And for the month of XXXX, they reported the payment was late a week before the actual due date. I have filled many disputes with credit agencies with no results. 
If any further evidence is needed in order to get this issue resolved please let me know because the money management company has all our calls to Capital One record, and Im sure they will be more than willing to help with this issue!
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

Out of the blue, I received a letter 10 months ago from a collection company, XXXX XXXX XXXX XXXX XXXX, NY. The letter was dated XX/XX/XXXX, and it was alerting me that XXXX was collecting a past-due balance of {$350.00} from me on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. I was baffled and stunned to receive this notice because I had paid my cable bill in total to XXXX XXXX before cancelling service with them in XX/XX/XXXX and returning the cable box and equipment. I never received any further communication from XXXX after paying my bill in total, canceling service because I moved to another residence and returning equipment. Immediately after receiving this notice about a bogus bill in my name, I contacted XXXX XXXX XXXX XXXX and filed a complaint against XXXX XXXX and XXXX XXXX  for trying to collect a bill that was not mine and failing to communicate with me the details of the alleged bill : what were the dates of services, what kind of services, what were the original charges, when did the bill become past-due? In a timely manner, XXXX XXXX sent me a letter notifying me that they will never contact me again or hire any third-party to contact me on the company 's behalf about this bogus past-due claim for {$350.00}. Additionally, I never again heard from XXXX XXXX XXXX. I was satisfied with the responses and considered the matter closed. However, nine months later, I received an annoying letter from IC System, of XXXX XXXX, MN, advising me that they are collecting the same alleged past-due amount of {$350.00} from me on behalf of XXXX XXXX  XXXX for unspecified service charges. Again, this was out of the blue, no earlier letters or phone calls. Further, IC System, reported this bogus past-due allegation in the amount of {$350.00} as an unpaid collection to XXXX credit reporting services, which lowered my near-perfect credit score by XXXX points from a near-perfect XXXX to a paltry XXXX. Immediately, I filed a complaint against IC System, XXXX and XXXX with tXXXX XXXX XXXX XXXX. I am awaiting a XXXX  response. XXXX XXXX is the parent company of XXXX. XXXX should have abided by the decision of XXXX to stop any further actions against me for an alleged debt that they could not confirm as mine and could not specify, qualify or quantify or provide specific details of any kind to me because the charges were not made by me. Instead of ceasing and desisting actions against me based on fraudulent and flawed information, this bogus past-due collection was sold to another collection company to pursue actions against me after I was told by the initial alleged creditor, XXXX XXXX XXXX that all attempts to pursue this bogus collection would be stopped. # # #
Consumer complaint received 2021-03-08
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. (CA)

There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Once again Bank of America sends me a letter threatening foreclosure! Dated XX/XX/2021 The letter reads as follows- " Action needed - your loan is past due. 

We are writing to advise you that your home loan is past due. Our attempts to contact you to discuss payment assistance options have been unsuccessful. Our goal is to provide mortgage payment assistance, if needed, to help keep you in your home. 

What to expect If we don't hear from you to discuss payment assistance options, or if you don't make the payments needed to bring your account current, late fees may continue to accrue and your account may be reported as past-due to the credit bureaus. 

If your loan remains past-due once current investor- and state-based foreclosure moratoriums cease, we will e required to comply with applicable servicing requirements, including initiating or resuming foreclosure actions. It is important that you act now. 

We're here to help To discuss your eligibility for assistance programs, including loan modifications, please call us at, XXXX, Monday through Friday, XXXX XXXX. to XXXX XXXX. local time. 

Thank you for being a valued client. '' I once again called and spoke with XXXX XXXX and explained that this is an ongoing situation that Bank of America and I have been corresponding through the Consumer Financial Protection Bureau on numerous complaint platforms. 

She advised me that she would forward this to the resolution specialist. I said that this has been forwarded numerous times to no avail. 

As I said throughout, this loan was not a home mortgage loan! 
I informed Bank of America through CFPB with the following- Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX The information within these complaints explains the facts and wrong doings! 

This recent letter from Bank of America has not been signed and has no mention of these complaints. 

I will continue to document Bank of Americas letters through the Consumer Financial Protection Bureau for the duration until a settlement can be reached.
Consumer complaint received 2022-09-07
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)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-12-13
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. (IL)

I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give XXXX XXXX written instruction to furnish any accounts on my consumer reports. 

Under XXXX XXXX, XXXX. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, Equifax and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service! 

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) & XXXX XXXX XXXX XXXX XXXX : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Complete TSI Is a 3rd party debt collector I did not give permission for this company to have any of my information I was not given any information from XXXX bridge and tolls To opt out of giving a 3rd party my information This 3rd party is trying to collect more than the debt is originally And I did not find any contract or give them any permission for them to have my information I do not know these people I never signed any contract with these people and they're violating my rights as a consummer I spoke to one of their debt collectors Would she told me that they have a right to do so I asked him to show me the law that says they have a right to do so he could not and I did let him know that I was gon na report him to the CFPB and FTC Fraud because I did not give them any information so they should not have ahold of anything for me Fraud An identity theft I also let them know that the debt is already paid According to Established in 1933 under H.J.R. 192 and exercised So how can you try to collect something from me when it's already paid for and then you have my information without my consent Please forward this information over tooXXXX XXXX XXXX XXXX. 
XXXX  XXXX DC XXXX To : DEPARTMENT OF TREASURY INTERNAL REVENUE SERVICE XXXX XXXX. 
XXXX, TX XXXX To : Consumer Response Center Federal Trade Commision XXXX, DC XXXX Thank you, To collect on the debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. So The law is very clear
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Peak Acceptance, LLC. (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-02-10
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.