davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/2022 my wife XXXX XXXX was scammed. A scammer hacked her XXXX account and froze it so she couldnt access it. She then looked up XXXX phone number on XXXX and called it thinking she was calling XXXX. The scammer answered and had her download a app called XXXX  which aloud him remote access to her phone including her venmo account, since he had control he sent money to a trusted friend which was my father XXXX XXXX. He used her account to send 5 different transactions worth XXXX dollars and each time he said they didnt work, he then got a hold of my dad and had him install the same app XXXX  and then sent it to a different account but told XXXX he was sending it back to XXXX XXXX After we realized it was a scam we immediately had our XXXX  checking account flagged and froze. We even filed a police report with our local police department. Venmo never heard from our bank so they fronted the money before XXXX  denied the authorization and is now telling us since they fronted the money we owe them the XXXX dollars and are threatening us with debt collection if its not paid. We have reached out to them by email several times explaining the situation and even sending them proof from our bank that they didnt authorize any payments. Each time they have denied our claim and my dads claims hes filed with them as well. Please help us, XXXX is a lot of money to be scammed out of.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-12-05
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-05
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: PENTAGON FEDERAL CREDIT UNION (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-12-05
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: DISCOVER BANK (AL)

Discover continues to harass me by calling and reporting an unauthorized account on my credit report. I have spoken to them months ago and they agreed to remove this account only to post it back months later. I am a victim of identity theft. My now estranged father assumed my identity and opened up to 20 accounts using my identity and computer. I have worked hard to get my finances back in order after this damage but Discover continues to harass me. I have filed both a police report and an id theft affidavit. I am requesting DIscover remove this account once and for all. Attached are my documents. Any further questions about this crime need to be directed to the XXXX XXXX Police Department, XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (KY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-05
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. (GA)

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. Account name : 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 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.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (MD)

I've been trying to resolve this issue for months. I sent in a letter on XX/XX/XXXX and another on XX/XX/XXXX. Prior to that I've made multiple calls and nothing has been resolved.
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (LA)

I got an alert from XXXX several months ago concerning a medical bill from Capio Partners for {$95.00} on a bill from a XXXX XXXX who I dont know at all. I contacted the hospitalin XXXX, LA and informed them of the error. They in turned verified that it was not me an they got it removed from my credit report after i called. Just XXXX weeks ago i received a call from Capio Partners inquiring about the same account. I told them there is no validation that the account is mine because Ive never been to that hospital nor do I know the guy in question. I have excellent credit and they have not done their research to see that its not me. I want to know the steps in filing a formal complaint because it is not fair practice. Please advise me of the steps i need to take.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my multiple requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$53000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

This company bought a fraudulent account and is trying to hold me responsible for this account that isn't mine. This company still hasn't provided me any legal contracts that holds my signature or anything else and now that I know they bought this fraudulent contracts I need them to show me where they have legal grounds to come after me for such said account a d tge know its no mines this has already been removed from 2 of my 3 credit report this company need to remove this from my XXXX report or I will take legal action
Consumer complaint received 2022-12-05
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. (TX)

Ive paid the agree amounts to discharge the student loan debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to XXXX.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Consumer complaint received 2022-12-05
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. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-04
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX DEPARTMENT XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

I deposited a cashier 's check that was made by XXXX on XX/XX/XXXX into my business 's checking account at XXXX Bank in XXXX XXXX PA, in person. The amount was over $ XXXX. In addition, to that same transaction I deposited $ XXXX in cash. After doing so XXXX Bank froze my WHOLE account, even the cash portion, claiming the reason was for the large amount on the cashier 's check. After disputing with them in person for two days they would only give me the cash portion when I came to the bank 's branch but would not remove the account freeze. On the 5th business day ( XX/XX/XXXX ) the said cashier 's check cleared but they still would not remove the account freeze, nor give me a reason for the continued account freeze. 

They have no legitimate reason for placing my account on hold for more than 2 business days ; in addition to violating 12 CFR 229.10 ( c ) ( 1 ) ( v ). Due to their arbitrary ( and now blatant ) actions they have in fact demostrated their discrimation against me for what I can only come to a conclusion of malice reasoning. As of XX/XX/XXXX my account is still frozen and causing me great harm.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

XXXX recieved a letter in the mail saying I have an open account with First National bank with a current balance of $ XXXX. Called First National on XXXX to report Ive never opened an account with XXXX XXXX nor withdrew money.
Consumer complaint received 2022-12-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OH)

I MISSED THE XX/XX/2022 PAYMENT BECAUSE THEY SAID THERE WAS INSUFFICIENT FUND IN MY CHECKING ACCOUNT. I PAID OVER THE PHONE AN AFTER I GAVE THEM MY ACCOUNT PAYMENT INFO, THEY SAID I WILL PROCESS YOUR PAYMENT THRU XXXX MINUTES LATER THEIR EMPLOYEE CAME BACK ON THE PHONE AND SAID " '' YOUR PAYMENT WENT THROUGH YOUR ALL GOOD NOW!!! '' '' THEN WEEKS LATER THEY TELL ME I AM LATE ON MY PAYMENT. I CALLED TOLD THEM ABOUT MY PAYMENT AND THEY SAID THAT IS NOT HOW WE WORK WE HOLD THEM PHONE PAYMENTS FOR 3 DAYS BEFORE WE TRY TO PROCESS THOSE PAYMENTS THROUGH THE BANK!! I SAID WHEN I CALLED THE PAYMENT IN THAT DAY THERE WAS PLENTY OF FUNDS IN MY ACCOUNT TO COVER MY TRANSACTION THAT DAY.!!! IN XXXX TILL PRESENT ( XXXX ), I HAVE BEEN SENDING THEM PAYMENTS OF XXXX OR XXXX EVERY MONTH WITH INSTRUCTINGS TO CREDIT EACH MONTHS DUE PAYMENT AND CREDIT THE EXCESS TOWARDS MY MISSED XXXX PAYMENT!!! I DID THIS EACH MONTH WITH WRITTEN INSTRUCTIONS AS TO HOW TO APPLY EACH MONTHS OVER PAYMENTS. THEY JUST TOLD ME THEY TOOK ALL MY PAYMENTS AND APPLIED THEM TO THE MONTH BEFORE AND CHARGED ME LATE PAYMENTS FOR EVERY MONTH AS THEY SAID THAT IS HOW THEY DUE THINGS AND JUST IGNORED MY WRITTEN INSTRUCTIONS AS HOW TO APPLY MY FUNDS I SENT IN... THERE TACTICS THEY NEVER TOLD ME ABOUT TILL NOW MADE ME TOTALLY UNAWARE OF WHAT WAS HAPPENING ALL THIS TIME WHILE THEY WERE JUST LINNING THEIR POCKET WITH LATE FEES WHICH IN MY OPINION WERE OUTRIGHT EMBEZELMENT BY OVER CHARING ME... I BELIEVE I HAVE A LEGAL RIGHT TO DIRECT ANY BUSINESS I SEND MONEY TO AS TO HOW I WANT THOSE FUNDS DISTRIBUTED IN MY ACCOUNT. MY MONEY MY DECISION ALL MY MONEY IS TOTALLY UNDER MY CONTROL NOT BUSINESSES I DEAL XXXX!!!!
Consumer complaint received 2022-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (SC)

The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.