davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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 (CO)

Looking to get my money back for these following XXXX Charges from {$600.00} XX/XX/2022 {$2700.00} XX/XX/2022 {$4400.00} XXXX XXXX 2022 {$2000.00} XX/XX/2022 {$2000.00} XX/XX/2022 {$1200.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1800.00} XX/XX/2022 {$1600.00} XX/XX/2022 Going back and forth with my bank, XXXX is holding my funds XXXX. 

I was scammed by a XXXX company using my paypal account which as of now has completely vanished and is unresponsive in the case of any of the charges on my account. 

There is an ammassed amount of around {$20000.00} USD in limbo and XXXX currently has claims to it and they are refusing to re-open the charges because they were already openned through my bank, the second refusal is because it was outside of the 180 day timeframe ; but I filed these with my bank prior to that 180 days, right now if I contact XXXX for my money back XXXX is refusing to give this back due using " Their Policy '' as a hide around. 

I just want my money back to help pay for college and bills. This is all I ask.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (AZ)

i got a notice from XXXX XXXX that an application and hard inquiry were made in my name for a target  credit card yesterday XX/XX/XXXX on XX/XX/XXXX i also called target to tell them it wasnt me. called XXXX to tell them it wasnt me and update all my info. mailed XXXX a letter to update name and address. called the local post office to let them know i moved 2 years ago and should not be getting mail at that address anymore. came here to fill this out XX/XX/XXXX
Consumer complaint received 2023-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Business & Professional Collection Service Inc (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have never incured debt with XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my medicaid. This is clearly a billing error that I was not aware of and then was pushed to collections.

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for four years after the service was rendered or last payment recieved. As most companies take a minimum of three to six months to collect debt privately and this debt was accquired by XXXX XXXX XXXX of XXXX Nevada on XX/XX/2016 it would make it WELL beyond statute for both unsecured open ended debt of 4 years as well as secured and written closed debt of 6 years.
Consumer complaint received 2023-07-22
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. (TX)

The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three  buraus. This is not Right!. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (AZ)

On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the Equifax Security Breech as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements. 


This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were XXXX XXXX  filed in XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX, multiple auto loans opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as multiple credit cards with XXXX XXXX XXXX which is listed as a charge off, Multiple self lender accounts XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile.

I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my XXXX  XXXX. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.
Consumer complaint received 2024-02-08
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I have disputed a XXXX XXXX reporting error on my ChexSystems report several times. I have sent several certified letters over the past few years and ChexSystems continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/2024. Unfortunately, ChexSystems responded yet again stating that it was verified without providing any of the documentation that I requested on several occasions in accordance to the Federal Trade Commission 15 USC 41 guidelines. Their failure to provide the requested verifying contracts is in direct violation of my rights.

I am understandably very frustrated that this has happened and can not believe that XXXX XXXX and ChexSystems would let something like this go unresolved for so long. I have spent hours diligently reviewing my report and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving ChexSystems ample time to remedy the error in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require bank accounts in good standing to qualify.

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that ChexSystems and XXXX XXXX has not resolved this issue. It is well within my right to request that the items in question be deleted and removed from my ChexSystems profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (LA)

On or about XXXX XX/XX/XXXX I the customers filed for the SCRA claim for my XXXX XXXX XXXX XXXX XXXX with Santander consumer USA. This process to three weeks to get a semi resolutions only to get a XXXX cent return on the statement of the company stating that we only receive this since moving to Louisiana in XXXX but the life of the loan is from XXXX being renegotiated in XXXX for the remainder of the due to deferential of the loan for a year.
Consumer complaint received 2023-07-22
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. (IL)

XXXX XXXX XXXX XXXX XXXX ran my credit WITHOUT my authorization or consent on XXXX XXXX, 2022. I was notified by the credit bureau when acquiring about my credit. This is a violation ( 15 USC 1602 ( p ) ) for unauthorized of my social card. I never once came into your dealership or never once signed anything regarding the use of my card.

Using a customers card ( social # ) without authorization is AGAINST THE LAW. Then adverse action against the consumer is also AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692 ( k ).

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that my identity was stolen and I was also discriminated against by XXXX XXXX XXXX XXXX XXXX due to the credit reporting agency. ( XXXXXXXX XXXX XXXX ( AUTO ) XX/XX/2022 ) As it appears on my report. 

XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S.C Code 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, move only in good faith, you stole my identity but credit was NOT issued.

Furthermore, because my social card number was used and I received NO benefit. This is Proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelson Cruz & Associates LLC (TX)

I had two collections account that was added to my credit report. These two account has already been resolved. The account includes Nelson Cruz and Associates and XXXX XXXX XXXX with the amount of {$910.00} and {$610.00} respectively. 

I also have two account credit card enquiry by XXXX XXXXXXXX in which on two occasions they were both approved without my consent in the space of 6 months, one happened in XX/XX/XXXX and XX/XX/XXXX There is also XXXX XXXX XXXX on XX/XX/XXXX which I had no idea of the accounts.
Consumer complaint received 2023-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Good day In XX/XX/XXXX I applied for PMI deletion. 

Bank of America home loans sent a letter stating it would take ten days to hear from an agent after receiving a fee for a property valuation. ( See letter attached ) and a total processing time of 13 days. 

On XX/XX/XXXX Bank of America sent an email stating it would take XXXX days before I heard from an agents. See attachment On XX/XX/XXXX, the same day Bank of America stated it would take 10 days. Bank of America on the same day ( XX/XX/XXXX ) Bank of America sent a letter contradicting what the previous letter and email stated. 

See attached. Bank of America is now saying the processing time could take up to 21 days and to get a property evaluation it could take longer than ten days. 

At this point Bank of America is making up new rules as they go along. 

Adding and changing the rules is unfair to the consumer. 

The consumers need protection from these bad business practices
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello All, Capital, one froze my account back in XXXX I believe. Any way I called them to understand what is going on and they said they are going to close my account due to the activity on my account and I said what type of activities is causing this and they said they can not disclose it, any way I said just close my account and send my {$4900.00} back and they said well your account is under investigation and we can not give the timeline since its under investigation. Its over XXXX  months, they care the less to respond and explain me in the timely manner and release my fund. I think they are not even investigating and making fullish reason, using consumers money. I even called today speaking to the supervisor and he was like I don't have any update, and you call lawyer if you need to but I can not and will not share anything. Also, he declined to reveal his last name saying, they can not reveal it. How is it fair that we disclose our SSN and all the personal details to the bank, and they are not obligated to share. I also want you guys to know this.

I have the details of the individual I spoke to
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (FL)

I was recently diagnosed with XXXX XXXX. Prior to me having medical problems I always paid my mortgage payment on time and months in advance because I was working. I have been in and out of the hospital with complications for the past XXXX months so I am no longer working. I am receiving XXXX XXXX  and I requested a modification last year in XXXX. I have spoken about five to six different representatives and they all keep telling me the same thing they cant offer me a modification they can only approve me for a forbearance which I excepted and it is tearing down my credit score. My credit score dropped XXXX points in XXXX month. I keep telling them that my status has not changed and more than likely it wont change. They refused to give me the modification. I really need some help with this situation. I worked so hard to get my credit back in order and if they dont give me this modification before the six month period that they offered me my credit score is going to be in a very negative state.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

I recently learned from my banks that a collection agency, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NY XXXX has reported derogatory information on my credit report. Sometime ago I received a phone call from the debt collector and told the company that I dont owe any telephone company. I told them that my telephone company is XXXX XXXX XXXX, and my bill is directly paid from my bank. I also told them that Ive been with the same phone company for more than XXXX ( XXXX ) years, since 1999. They asked me about the address of the debt, and I told them Ive never lived there. Several times I received similar phone calls, and I told them I dont owe any telephone company. According to the debt collector the debt is owed to XXXX XXXX XXXX and the amount is over {$1100.00} but less than {$1200.00}.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I noticed an account with sunrise credit XXXX on my credit report on XX/XX/. I called XXXX, XXXX XXXX, and XXXX for submit a fraud dispute but so far XXXX XXXX and XXXX are saying it is my account when it is not.
Consumer complaint received 2023-07-22
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: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-22
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. (LA)

On XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2023-07-22
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. (CT)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account Number:XXXX  Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

The first credit report that I sent to the XXXX XXXX XXXX they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they can't verify them than remove them.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (AZ)

MB Financial Services last XXXX had an accounting error in their system showing my account with them was in arrears and they charged the account off, repossessed my vehicle. I contacted them immediately and they recognized the error and gave my vehicle back to me. However they never fixed their error in reporting the account as a repossession with the XXXX credit bureaus. On multiple dates ( XX/XX/23, XX/XX/23, XX/XX/23 and finally XX/XX/23 ) I have disputed the accuracy with both the bureaus and with MB Financial Services. They did removed what they claimed as charged off debt ( {$670.00} ) but have failed to remove the repossession comments from my report.