davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am a victim of Identity Theft. The account # XXXX you listed on my consumer credit reports in the amount of {$3300.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX XXXX account and this is a direct result of Identity Theft. Furthermore, according to my current XXXX XXXX Report and other sources, there has been a civil lawsuit files against me in XXXX XXXX Case # XXXX by Midland Credit Management. Midland Credit Management has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 


Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), you are required by State and Federal laws to cease all debt collection, and remove these fraudulent accounts reported on my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2021-02-07
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 (FL)

On XX/XX/2020 I purchased two chairs online from Rooms to Go. I paid with my Synchrony Bank Rooms to Go credit card. The chairs were delivered to my home several weeks later. Upon examination I found a small tear in the skirt of each chair. The cushions of both chairs appeared to have been used because they were dirty. I called and complained to Rooms to Go and I was told someone would come to my home and repair and clean the chairs. No one ever called or came to my home to repair and clean the chairs. I called again to Rooms to Go and told them that I wanted the chairs out of my house. I was given a pickup date, I moved the chairs outside and the chairs were removed back to Rooms to Go. I filed a dispute with Synchrony Bank, 60 days came and went and the charge was put back on my account. I never received a letter as to why this charge was put back onto my account. Now I am expected to pay {$1300.00} for 2 chairs that have been returned.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I don't know if experian is confused by the stimulus check, but my income comes from 2 social security checks. They are reporting that I only get one of those checks. And I'm spending more then I make. Also no creditor is going to give me credit when they see the pitiful amount of only one check. And it's not big enough to pay my bills. I need both social security income checks reported correctly.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Continuing to allow accounts to report that should have been removed a long time ago because the accounts are in an bankruptcy! Bankruptcy accounts are used against my credit report twice and has been going on for years!!! 

Equifax allowed an old finger hut account to flag my credit report for no reason! This account is currently in an old bankruptcy and I demand it removed at once! Along with other bankruptcy accounts that continue to report DEROGATORY that is against fair reporting and violating my rights!
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (RI)

i have sent several letters and hired credit repair company they say i owe {$490.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$490.00} they never applied the {$300.00} security deposit.
Consumer complaint received 2021-06-26
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: Experian Information Solutions Inc. (OH)

For over 4 years, This Major Credit Bureau has refused to delete all the unsubstantiated details within my credit file for which there is no contract at all. I've disputed with them multiple times and I've expressed to them my concerns regarding all of the information within their data breaches that have caused this. They choose to do nothing about issues. They would much rather deny my complaints consistently than to comply with Federal Law.

The Law States that per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020, section 401 explains details regarding any adverse credit details contained within my personal file are to be REMOVED. I'd appreciate if this Major Credit Bureau can finally obey the law.

I'll obtain a copy of this complaint to collect with other data to forward to my attorney regarding their persistent defiance with the law. I have collected several pieces of evidence ( s ) for which will help us to win a favorable ruling in court. This is my final communication that my attorney asked me to submit and task to execute.
Consumer complaint received 2021-02-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XX/XX/XXXX, a mortgage with Bank of America that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. Bank of America did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with Bank America that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. Bank of America will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting Bank of America monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX  with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion consistently appears to be reporting inaccurate, unverified, and incomplete information about me. There are several items on my credit report for which are not true. 

Per new Law Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 - per section 401 - details regarding any adverse credit details contained within my personal credit file should be deleted should they not carry any contract to validate. 

I'd appreciate TransUnion to have all adverse information ( inquiries/accounts ) deleted as no information was obtained via contract either written or verbal. The law is very clear as to the civil liability that TransUnion will be responsible for, should they not comply with this law. 

My attorney felt that I should file complaint with CFPB 1st  prior to taking matter before judge in civil suit.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX  - XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-07
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: Early Warning Services, LLC (FL)

EARLY WARNINGS is currently in violation of FEDERAL LAW. 
EARLY WARNINGS has obtained my personal, private and confidential information without my consent and in doing so EARLY WARNING has committed identity theft. EARLY WARNING is currently furnishing fraudulent information on a investigative consumer report using my private, personal and confidential information without my consent, knowledge or authorization. These practices are in violation of 15 USC 1681a ( 4 ) because a consumer has a RIGHT to privacy and all consumer reporting agencies must respect that RIGHT. EARLY WARNINGS has violated my RIGHT to privacy by furnishing any information on me as a consumer without my consent, EARLY WARNING has NEVER received ANY consent by myself to have, obtain or use my personal information. 
Pursuant to 15 USC 1681a, a consumer report agency is " any person which, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ". According to CONGRESS in 15 USC 1681a EARLY WARNINGS is a consumer reporting agency and must adhere to all sections of the Fair Credit Reporting Act [ 15 USC 1681 ]. 
This also means that EARLY WARNINGS must adhere to subsection 15 USC 1681b ( a ) ( 2 ). EARLY WARNINGS 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 am the consumer to which this alleged information relates and I have NEVER given written instructions for EARLY WARNINGS to furnish ANY information nor have/use/obtain my personal, private and confidential information. I am gravely unnerved by EARLY WARNINGS BLATANT disregard for FEDERAL LAW in these matters. These violations of FEDERAL LAW clearly and conspicuously disclose EARLY WARNINGS WILLFUL NEGLIGENCE/NONCOMPLIANCE WITH FEDERAL LAW, in violation of 15 USC 1681o.
Consumer complaint received 2021-06-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit bureaus are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation
Consumer complaint received 2021-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

PayPal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assure it has to be. I have not been able to get help from them for months that is why i am filing this report here. I feel they are not doing their job properly and it is effecting me a great deal because I use PayPal quite often and now I can not access the money I have sitting in my account and that is not right at all. My email linked to my PayPal account is XXXX XXXX
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Complaint We applied for prequalification of a house mortgage loan in XX/XX/2021 with Fifth Third Bank and got an approval. We get services at the branch located at XXXX XXXX XXXX, XXXX, KY XXXX on XX/XX/2021, we submitted the application for the house mortgage loan ( loan app # ) and received denial based on a technical error on XXXX XXXX. We contacted the bank soon afterwards about the error and the bank acknowledged that this was a mistake that should be corrected, and we should be able to fulfill the criteria to receive a house mortgage loan before the closing which was scheduled on XX/XX/2021. 
The bank officials involved in the loan processing endlessly and needlessly prolonged the process despite prompt submission of documentation and evidence from third parties and us about the error beyond the scheduled date of closing. During this period spanning almost 2 months, the banks officials repeatedly gave us false reassurances that the application will be approved leaving us no time to apply to other lenders. Subsequently, we were informed on XX/XX/XXXX via phone text informally that the loan is approved which was after the scheduled closing date. This left the parties no time to complete the transaction and sellers and buyers had to terminate the purchasing contract as there was no time to get the loan application processed by another lender. 
We are concerned that this episode not only reflects incompetence and negligence on the part of the officials involved but at the same time may indicate a deeper problem of discrimination based on our XXXX and national origin despite fulfilling all the criteria to qualify for mortgage loan approval. This has created an emergency housing situation for our family. 
We have been a customer of 53 bank for more than 10 years and have large sums in our account, with high income to debt ratio and excellent credit scores but have been treated by your institution in the worst possible way.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (WA)

I had unauthorized charges of {$1000.00} on Venmo. I contacted the company the day the charges appeared ( XX/XX/XXXX ). The company then said I owed for the charges ( XX/XX/XXXX ), but I explained that the unauthorized charges {$1000.00} are not my responsibility. Those charges are the responsibility of VENMO. U.S. Electronic Funds Transfer ( Regulation E ) provides protection from consumers like me who provided timely notice of the unauthorized transaction. Reg. E. states " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution. '' On XX/XX/XXXX, I was contacted by VENMO Collections and told that I owed {$1000.00}. I told them that I did not owe the amount. I stated that I had contacted VENMO immediately after the unauthorized transactions and that I am not liable for any amount greater than {$50.00}. I further warned VENMO that it is in violation of Regulation E by reporting this item to " Collections. '' I asked them correct this matter by the end of day on XX/XX/XXXX.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act XXXX FCRA XXXX and how it is reporting my credit information. 

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

ordered 7 bottles of chili sauce on XX/XX/XXXX and received 7 plastic bags of chili sauce with no order confirmation or receipt. Asked seller for refund, firstly no response and the was blamed for fraud. Reached out to capital one and soon be charged back for {$37.00}. Talked to capital one for several times to resolve the issue, but capital one said I need to send back at my own charge. I refused since its not my fault to receive the wrong items. Capital one then asks for 2nd opinion, so I provided another merchants webpage merchandise for the same upc code. Visually they are different and I still couldnt get money back.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

THERE WAS A BANKRUPTCY ON MY CREDIT REPORT THAT I DISPUTED AS INCORRECT INFORMATION ON MY CREDIT REPORT ( NOT MINE ) I DISPUTED THIS WITH ALL THREE CREDIT BUREAUS. XXXX  ADN XXXX HAVE SINCE DELTED THIS. I SUBMITTED A LETTER FROMT EH COURT HOUSE STATING THAT THEY DID NOT REPORT THIS AS WELL AS XXXX XXXX, AND EXPERIAN REFUSES TO TAKE THIS INCORRECT INFORMATION. I KNOW THAT ALL THREE CREDIT REPORTING AGENCIES HAVE TO FOLLOW THE SAME FCRA LAWS AND GUIDELINES. IF TWO OF THE CREDIT AGENCIES DELETED THIS FROM MY CREDIT REPORT FOR INACCURATE INFORMATION, EXPERIAN SHOULD BE DOING THE SAME THING. THEY REFUSE TO GIVE ME ANY INFORMATION ON WHERE THEY'RE GETTING THIS INFORMATION FROM. THEY LIED AND SAID THEY GOT IT FROM THE COURT AND THE COURT MAILED ME A LETTER SAYING THIS IS NOT TRUE.
Consumer complaint received 2021-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (TX)

I, XXXX XXXX XXXX, use the services of the Regional Finance Corporation, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX. I have been asking for loans since approximately XXXX, they have lent me {$7000.00} until XX/XX/XXXX and I have been paying monthly amounts on time. different Since I started with them I have refinanced approximately 3 times, with the loans to date we have a balance of {$12000.00}, and what they have lent us, the balance is still the same. Rebreaking my contracts and I paid them double or triple what they have lent us, I also realized that the interest is always higher than when I started with them, I have contracts every time I have asked for a loan.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OR)

When considering booking a flight on XXXX I was offered a promotion for a American Express card, offering both a waived annual fee, a {$200.00} credit and XXXX airline miles. When I clicked through to apply for the card, a popup said I was eligible to apply for the card, but not for any of the " welcome '' benefits due to either having had a similar card before or the number of American Express cards I've had in the past. It feels like a bait and switch, and the reasons for denying the welcome offer are vague. I contacted a company representative on XX/XX/2021, and they said " I'm sorry to hear that you are not eligible for the welcome offer. Within the message that you received it should have the reason as to why you are not eligible. I would not have anything beyond what the message displayed, I'm sorry. You are still able to go forward with the application if you choose and take advantage of the main benefits that the card has to offer. ''