davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

Goods not received I ordered 2 products on XX/XX/23 from 2 different sellers. I used my PayPal account to pay for each item. It appears that PayPal combined both orders into one transaction. The products ordered were a wooden gazebo kit & a vinyl storage shed. PayPal states the one merchant who was selling the gazebo kit shows a XXXX delivered confirmation receipt w/ a receivers name of XXXX. Both of the items I ordered were from the XXXX XXXX in the XXXX. Logistically it is impossible to get the two items to my home address by the dates PayPal is providing. I live on an XXXX in XXXX Washington. We do not have a land link to the mainland of WA State. We must use a WA State Ferry to drive to the mainland. Logistically all durable goods must come out to our island by boat or air. I did NOT receive either of these two items. I did not sign the XXXX delivery receipt. The one seller PayPal contacted says the delivery receipt is signed by XXXX. I live alone & all 6 of my neighbors do not know this name nor do they know anything about such a large delivery made to my home address. I am dutifully making the payments to PayPal for the charges of {$920.00} in 6 payments. Currently I owe the balance of {$320.00}. I spoke w/ PayPal today & they said if I can get proof from the XXXX contractor here on XXXX XXXX XXXX the packages were not here on XXXX XXXX nor were the packages delivered PayPal will reopen my claim. So now I have to drive into town, XXXX XXXXXXXX, & see what I can find out how XXXX XXXX ( XXXX delivery contractor ) for XXXX XXXX XXXX ) can help me. Is there any help your agency can provide to help me get the two items I ordered or have PayPal issue me a refund? I am a XXXX XXXX XXXX lady trying to remain compliant with my PayPal account. Yet PayPal will not listen to me. Very few businesses will not deliver large products to our Island because there are no mainland roads. Additionally XXXX will not accept heavy packages, more than XXXX lbs. the wood gazebo kit weighs over XXXX lbs. I am a an XXXX lady who lives alone on a very rural island.
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OLIPHANT FINANCIAL, LLC (NY)

Oliphant group has been reporting false and inaccurate information on credit report, continually add values to debt purchased but these values are arbitrary and from outside 3rd party which is not part of debt owned. They falsely sued in court, was never made aware of court filing or date, and thus imparted a wage garnishment on a debt that has been for several years been out of statue of limitation to collect or enforce any action against said debt. This is either done by veil of ignorance or willful disregard of this knowledge. Prior dispute of this matter has given an acknowledgment from Oliphant themselves confirming a ) debt was charged off XX/XX/XXXX, and was not purchased until XX/XX/XXXX b ) New York State law indicates statute of limitations for collection and action of any debt is 3 years, thus, reaching in XX/XX/XXXX. Over 2 years past the statute of limitations did they act upon said debt, well long past their right to do so, in which they under false pretense sued in XX/XX/XXXX Despite the debt being out eligibility for action being past NYS statute of limitations they also falsely report inaccurate on my credit report. Despite a wage garnishment being enforced upon me, they do not accurate report the monies taken and applied to debt and also arbitrarily add on values ranging from {$1.00} to {$10.00} almost weekly. They have already upon prior contest of this confirmed that the dates of debt is past NYS statute of limitations as well as values of being added are from 3rd party, not the debt owned itself and inaccurate report information as no acknowledgement of monies applied.
Consumer complaint received 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I have asked MOHELA several times why certain periods of deferment/forbearance are not counting toward my PSLF forgiveness count. MOHELA is saying I am 8 payments short of forgiveness, but I have submitted employment certification ( which they have approved ) for the following dates that are not being counted. The missing months are XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  through XX/XX/XXXX. That is nearly 30 payment periods when I was certified working in public service they are not counting even though the rules of of the PSLF waiver which I applied for. I can not get an answer from then on why these payments are not counting. I need an answer.
Consumer complaint received 2023-08-22
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. (NV)

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX Child support with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$850.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (GA)

Dear Experian I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2023-08-21
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: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 While checking my most recent credit report, I noticed credit inquiry that I did not authorize.

These inquiries needs to be removed from credit report ASAP. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-08-21
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: Spring Oaks Capital, LLC (GA)

I reached out to spring oaks capital LLC back on XX/XX/XXXX through the CFPB and I also sent them a letter to theyre XXXX XXXX XXXX XXXX , VA XXXX address and emailed them to customer service@springoakscapital.com email because they have a collection item on my report that I have no knowledge of. An investigation was opened and they responded back on XX/XX/XXXX. I received a call on XX/XX/XXXX about my issue and stated that I wanted some kind of proof this was my debt such as a contract, with my name and signature or my picture ID or anything to prove it was in fact me. I was told to call the original debtor to get that info and that they have a bill with my name on it. I told them to send it to me and they said they cant and an investigation would then take place. I called back on XX/XX/XXXX and asked if anything happened with the investigation and I was told an investigation was never opened. I was then told they were going to open 1 that day on XX/XX/XXXX. I called back XX/XX/XXXX to see if any progress had been made and was told the investigation was still pending. I called back XX/XX/XXXX which was well over 30 days and still the investigation was pending. I asked for a manager and I spoke to a woman who refused to give me her name and hung up the phone on me after I explained to her that her 30 day investigation period was up and I need this item removed as it was hurting my score. I asked repeatedly for proof it was me and my debt and I have yet to this day XX/XX/XXXX received anything and spring oaks is still on my credit report reporting negatively. I called XX/XX/XXXX and asked again to have this removed and was told no and I got the phone hung up on me again. Each time I called Ive been spoke to rudely and have been treated unfairly and Im only trying to have an issue resolved.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TrueAccord Corp. (WA)

On XXXX XX/XX/XXXX, a True Accord agent named XXXX XXXX emailed me a demand payment letter for an outstanding debt from XXXX XXXX XXXX for {$1100.00}. This information from True Accord, a third party agency, refers to an accumulated debt as a direct result of identity theft reported to the Consumer Financial Protection Bureau and to the Federal Trade Commission. All credit reporting agencies have also cross referenced my information as an identity theft victim with three credit reporting agencies per Fair Credit Reporting Act. HoweverXXXX XXXX XXXX XXXX  still contacts me pursues debt collection in violation of statutes within the Fair Debt Collection Act. In addition, XXXX XXXX XXXX reinserted the debt as an entry on credit files in XX/XX/XXXX after all three credit reporting agencies had removed the debt after receiving supporting documents validating that the debt occurred as a result of identity theft. As such, I will vigorously exercise my legal rights as an identity theft victim and pursue a legal claim against XXXX XXXX XXXX for contacting me about the debt, and pursuing the debt, and all attempts to collect the debt in addition to all adverse action to my credit.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (TX)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (CT)

I reached out to the original creditor informing them about the fraud that occurred on this account by phone and through a cfpb complaint. I did not receive a notice to dispute or debt validation. The company is also trying to reage the debt which is illegal. I have disputed this with XXXX and also with the original creditor.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

While seeking an apartment in XXXX XXXX via XXXX, I engaged with XXXX XXXX who presented himself as a realtor, complete with a real estate website link. Our discussions moved to email, where he provided details of a XXXX XXXX studio with a monthly rent of {$1500.00} and an upfront payment of {$2500.00} ( {$1500.00} for the first month and a {$1000.00} security deposit ). Given that I was overseas, I proposed a site visit by a local friend, which XXXX XXXX declined due to an alleged current tenant. He provided an internet bill and California ID as authenticity proof, prompting me to transfer {$1500.00} via XXXX and {$1000.00} through Chase Bank. I am currently disputing both transactions. Chase Bank has said that since the payment was made through XXXX ( a quick payment service offered by Chase ), they can only file a complaint. I have not received any confirmation of this complaint yet. With XXXX I am waiting on a resolution to my complaint, I have offered them all the details of the fraud ( emails, texts, proof ). I made the transactions over 1 month ago ( XX/XX/2023 ). 

Subsequent to the payment, the supposed XXXX XXXX ( whose ID document I am in possession of ) immediately requested additional funds for purported renovations. Despite my multiple requests for a receipt and property viewing, he persistently sought further funds and eventually ceased communication, also blocking me on XXXX. Upon my return to the XXXX, I intend to report this to the police, particularly since the payment through Chase Bank was transacted to a XXXX account.
Consumer complaint received 2023-08-23
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. (CA)

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 XXXX  : # XXXX, XXXX XXXX : # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item of information, other than 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 inaccurate.