davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AR)

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX  which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report.

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 
Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (FL)

Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) XXXX XXXX XXXX, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist. 
Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (WA)

In XXXX XXXX XXXX I got a loan for XXXX. The payments are for XXXX twice a month for 10 months. So a total of 20 payments times XXXX. The interest rate is 792.53 %. I did some research and this Company has a bad reviews and is not XXXX accredited. I looked into my state laws and this type of loan is illegal and unenforceable in the State Of Washingtion. I made 4 payments and paid back what I borrowed. I sent this company an email to not call me. Only to reach out to me by postal or email and they continue to call me. I should have paid attention to the fine details before I signed the agreement. At the same time I dont understand how these XXXX loans are legal in the first place? I never set foot on their reservation to sign a loan agreement. A third party website directed me to River Valley Loans website. Their immunity should only apply on their land not online. I cant afford to pay this back. I want them to accept what I already paid. I dont want to be harassed by phone calls or River Valley to call my work. This loan was made to me XXXX XXXX, a resident of Washington State and all loan products need or should abide by state laws and have a license to do business in the State of Washington and not hide behind XXXX immunity. Washington State has some pretty strict laws in place as Ive recently done research. Please, I really think there needs to be stricter rules by the Federal Government to stop these predatory lenders. Im in a lot of stress over this.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-01-14
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. (NC)

MY CREDIT REPORT HAS MANY UNAUTHORIZED ITEMS. I REQUESTED THAT YOU SEND ME A COPY OF FORM XXXX THE AUTHORIZATION FOR THE SOCIAL SECURITY ADMINISTRATION TO RELEASE SOCIAL SECURITY NUMBER VERIFICATION FORM. I NEVER GAVE WRITTEN PERMISSION. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ;
Consumer complaint received 2023-09-27
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I received an email on my computer, saying I needed to check or acknowledge something. When I clicked on the email, it was for approval of a charge for a XXXX XXXX called XXXX XXXX. The bill was for {$450.00} for this XXXX XXXX service. I didn't request this product and was not intending to buy it. The receipt had a number to call, so I called the phone number, and a person answered from Paypal. They claimed this product was purchased through my Paypal account. I ask them how that can be because I told them that I didn't have a Paypal account. I had not had a Paypal account for at least 5 years, which I dropped for fraudulent charges in my name. The person on the phone then told me about several other charges on this account in various places. He even had my social security number, which I don't give out. He said, that there were several in amounts of {$6000.00} dollars and other such large amounts. He then ask me to go to a gas station in XXXX XXXX to get some sort of card that I could make charges on to verify I didn't make those purchases. I thought this was strange so I hung up and called my bank to block charges on my band debit card. I worry about this because I am on retirement and can't afford a lot of legal expenses.
Consumer complaint received 2022-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Tiffany & Bosco, P.A. (CA)

To Whom it may concern : re : XXXX FILE NO. XXXX The servicer, XXXX XXXX XXXX is saying to me the foreclosure is handled by the attorney firm Tiffany and Bosco XXXX 

Please provide the following information : XXXX ) name and contact information for the Attorney at Tiffany and Bosco in charge of the file. 

XXXX ) Copies of documents evidencing their appointment as the XXXX and copies of any Power of Attorney granted to them and by whom? 

XXXX ) Signed affidavit by the Trustee of the Deed of Trust validating the actual amount of debt owed and is being foreclosed on. 

XXXX ) Copy of your response to my objection letter of XX/XX/XXXX to your debt validation notice of XX/XX/XXXX. 

XXXX ) Provide XXXX XXXX XXXX report showing both sides of the ledger since the origination of the loan in XXXX and proof of who funded the loan? 

XXXX ) Company Name, address and contact details of the current holder-in-due course. Per USC Title 18, Part 1, Chapter 101 2071, the holder- in-due course is required by law to maintain good care of my legal instrument. 

XXXX ) Per UCC 3-104, the endorsement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAY TO THE ORDER OF without recourse .... '' at the bottom of the document titled, HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE mean that, my instrument was altered into a demand draft and was cashed at par value of the instrument like a check? If not, please explain the purpose of that endorsement and the outcome of the alteration of my instrument. 

XXXX ) Please provide where in the note or deed of trust signed my me, specifies what species the payment has to be made? 

XXXX ) Please explain your understanding of the following codes : XXXX USC 411 18 USC 8 12 USC 83 UCC 3-603 10 ) Copy of the XXXX for the current Beneficiary and XXXX ( XXXX ) XXXX XXXX. 

XXXX ) Copy of your XXXX XXXX XXXX and XXXX XXXX XXXX. 


Thank you.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

DiscoverCard is breaking the law again! DiscoverCard is reporting for the past three months that I have made a successful payments!.. its a charged off account! 

DiscoverCard is maliciously coding my account! Delete!
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MO)

In XX/XX/XXXX, after resolving fraudulent magazine charges on my account and ensuring the balance was {$0.00}, I spoke with a customer service representative and requested my account be closed. I was assured at that time the account was closed. On XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, stating that my account had been closed because it was more than 90 days past due. I immediately called the company and was told there had been an {$8.00} charge placed on my account on XX/XX/XXXX, ONE MONTH AFTER I WAS TOLD THE ACCOUNT HAD BEEN CLOSED. I had not received one billing statement in the mail between XX/XX/XXXX and XX/XX/XXXX notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card monthly and had been in good standing with Barclaycard. When I spoke with the Barclaycard representative on the phone, I was given a case number and told they would pursue this as a dispute ( rather than a fraudulent charge ). I received a letter from Barclaycard dated XX/XX/XXXX with the case number for the dispute saying they would let me know when they had completed their review. Then I received another letter from Barclaycard dated XX/XX/XXXX stating that they were unable to obtain credit for the fraudulent charge because it was " beyond timeframes to assist. '' The day I received that letter XXXX XX/XX/XXXX XXXX, I phoned the magazine company myself about the fraudulent charge, and they agreed to remove the {$8.00} charge from my account within 3 business days. I called Barclaycard on XX/XX/XXXX to verify that the charge had been removed and was told that the original {$8.00} charge had been credited and that all interest and fees incurred as a result of that charge ( which by now totaled > {$130.00} XXXX would be removed from the account and that the account would remain closed. TWO DAYS LATER, on XX/XX/XXXX, I was quite surprised and shocked to receive an email from Barclaycard about making a payment when I had been told 2 days prior that the account had a XXXX   balance and was closed. I called Barclaycard again on XX/XX/XXXX and am now being told that they will not remove the late fees and interest charged to this account since XXXX because it was greater than 3 months. I refuse to pay interest and late fees for a fraudulent {$8.00} charge that has now been removed from an account that was supposed to be closed. The delinquency charges on my account should lawfully be removed and this information should be reported to the credit bureau for the following reasons : 1 ) The charge was made after the account had been closed. 2 ) I did not receive a billing statement notifying me of these charges. 3 ) A Barclaycard representative agreed on XX/XX/XXXX to remove all charges/late fees but then failed to do so.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Thank you for taking the time to help me in this important mater. I notice couple fraudulent inquiries on my consumer report. I do not recognize. Please delete this inquiries. 
XXXX XXXX  or also know as XXXX XXXX XXXX Inquiries were made XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

In XXXX I made a XXXX deposit to my XXXX XXXX checking account through their mobile app. For whatever reason they decided to place a hold on my deposit. However I made 2 pmts of $ XXXX to pay my AMEX bill PRIOR to finding out XXXX XXXX placed a hold. I immediately contacted AMEX to make them aware and was told no problem they would retry 3 times. I filed a complaint with XXXX XXXX ( response letter attached ). Today I get an email from AMEX stating they closed my account. After holding 1 hourv13 min disconnected, called back speaking with someone who asked me to locate the letter and she disconnected me. Called back 2 hours on hold and told despite letter no can do in reopening account even though it was not my error.
Consumer complaint received 2021-08-27
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. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX
Consumer complaint received 2023-09-27
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. (MI)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$6000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$500.00} XXXX  XXXX XXXX {$500.00} XXXX  XXXX Collection {$300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$300.00} XXXX XXXX XXXX Charge-off {$240.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} Federal XXXX Bankruptcy {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00}
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ORG GC GP BUYER, LLC (TX)

I had my tax return forfeited to the city/state incorrectly for a home I previously resided in but did not own.I did not reside or work in the state or city at the time of requested debts owed.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Paypal send me an email last XX/XX/2021, XXXX XXXX that my account was permanently limited/restricted with case no. Ref ID - XXXX without any clear basis? I don't know why and what violation I did? They never tell me and without any clear basis. As far as I know, I never violate any of their rules. This results in my business shutdown and they hold my money amounting to {$880.00} on my paypal account for 180-days. 

I have already contacted their customer service and they told me that their decision is final but, they can not disclose any specific reason why my account has been permanently restricted. And they hold my money for 180-days without any reason. 

How can I feed my family, they just let us die starving with my hard earned money on their hands? I don't know what kind of evil doing is that? I just want to get back my money and restore my account to properly run my business again. Because, I work hard for it and dedicated a lot of time on it and they just took my money and shutdown my business without any valid reason. I hope you can help me with this problem. Thank you and God bless.