davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX has had an incorrect Reported debt on my credit report for over XXXX  years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I lost my wallet around XX/XX/XXXX, XXXX i called the bank to report that I lost my card and for them to block it. On XX/XX/XXXX an unknown person went to a bank and deposit a check without fund for {$340.00} and withdraw {$340.00} on my checking account. called the bank to make a complain they gave me my money back but today XX/XX/XXXX the bank took {$680.00} out of my checking account because they said my claim was denied because my picture id match with the debit card since i already called them to say may wallet with my Id and debit card was lost. i went to a bank they told me about the check that was deposited on my account and the check didn't have my name or my signature and ask to see the camera and they told me that they are no allowed to show me the video. Basically someone just went to bank pretending to be me and withdraw money out of my account and now the bank is refusing to give my money back. i need help.
Consumer complaint received 2021-02-19
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 ()

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 assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-01-19
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: The Law Offices of Mitchell D. Bluhm & Associates (LA)

I have made multiple attempts over the last few months to get the company to send me validation per the FCRA that this debt is mine. They have never responded with the requested information
Consumer complaint received 2020-12-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I spoke with a front line representative and an executive resolution team member from USAA 's auto loan department. I requested documentation stating I am requesting them to look into incorrect credit reporting. I was told from both employees that this was not possible in any way. I sent an email to their executive communication 's department. This email was provided by the executive resolution employee.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CO)

on XX/XX/XXXX our loan modification was finally rectified with the mortgage company after 10 months of checking with them. Only to be told we were missing a payment which was clearly on their end on how the allocated payments. They started researching this and agreed they needed to fix it ( Back in XXXX and XXXX )... Since then I have been waiting for the payment to be reapplied and corrected and now XX/XX/XXXX I have had to call continuously again to try and get them to rectify this. 

Now i was told that they have to redo the request to get it fixed and escalate it again. 

But now my credit is reflecting 30 days late and dropped from a XXXX to XXXX based on their actions. I asked them to fix this as well and was told they won't until the first issue is resolved which to me is unfair given that I have waited two months already for this issue and 10 months for the first complaint I had with them. 

I am in need to make a purchase and have worked very hard to keep a high score only to have it damaged by a mistake that isn't my own.
Consumer complaint received 2023-01-19
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)

I have contacted the Equifax, XXXX and XXXX regarding my personal information on my credit report. It seems other names or addresses that do not belong to me are on my credit report. 

My only Name is : XXXX XXXX XXXX My only SS is : XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX My only Employer is : XXXX XXXX XXXX I see my XXXX XXXX All other names, addresses or employers are wrong and do not belong to me, please update my personal information and delete all the wrong information. 

I have attached Proof of my Drivers License and SS Card.
Consumer complaint received 2023-01-19
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)

I have contacted the XXXX, XXXX and Transunion regarding my personal information on my credit report. It seems other names or addresses that do not belong to me are on my credit report. 

My only Name is : XXXX XXXX XXXX My only SS is : XXXX My only Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My only Employer is : XXXXXXXX XXXX XXXX I see my XXXX XXXX All other names, addresses or employers are wrong and do not belong to me, please update my personal information and delete all the wrong information. 

I have attached Proof of my Drivers License and SS Card.
Consumer complaint received 2022-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and XXXX believes it is my account info when it is not. Capital one over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXXt. 
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already 88 days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2022-01-11
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: Santander Consumer USA Holdings Inc. (TX)

I the consumer purchased by XXXX XXXX XXXX on XX/XX/XXXX from XXXX and the original loan was through Santander Consumer USA without my consent my loan was bought out by XXXX XXXX XXXX and it was last reported on my credit report XXXX 1XXXX.I the consumer would like to file a complaint for the misuse of my information and it being traded to another company without my knowledge.
Consumer complaint received 2023-03-27
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: DISCOVER BANK (KS)

I wrote a letter to the discover corporation informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XX/XX/ I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law FTCvsXXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2023-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/XXXX I received a letter from XXXX, stating that effective XX/XX/XXXX Mr. Cooper will become my new Mortgage Server. Mr. Cooper was my mortgage server until XX/XX/XXXX. During that time frame, less than a year, I received over 100 letters from Mr. Cooper, harassing me to buy a new home, modify, or refinance. I called Mr. Cooper several times demanding that this company stop harassing me, because, I was not interested in buying, modifying, or refinancing. Often times, while speaking with customer service over the phone, regarding the harassment, I received XXXXXXXX XXXX and XXXXXXXX XXXX and I could hear, demeaning comments in the back ground. Even after I stated numerous times to stop harassing me about modifying, refinancing or buying a new home, Mr. Cooper repeatedly sent mail. In XXXX, I received some fraudulent documents in the mail claiming that in XXXX, Mr. Cooper own my loan. This is a Lie. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. The fraudulent documents had been whited out, blacked out, and my name and signature had been copied and pasted, even forged to these fraudulent documents. Mr. Cooper has continually, violated my civil rights. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. I had no dealings with Mr. Cooper in XXXX. And I have the documentation. Material that provides official information as my evidence, and my record. I have never done a home modification. These documents involving Mr. Cooper, were done with the intent to deceive, which is criminal deception. Mr. Cooper has violated my civil rights.
Consumer complaint received 2023-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (MA)

In XX/XX/2022, I took advantage of a 0 % interest rate for XXXX  months with discover. I balance transferred {$3000.00} from my XXXX XXXXXXXX credit card to Discover. Then in about XXXX weeks I noticed the XXXX was on both cards. The discover was up XXXX. The XXXX XXXX still showed the full balance. I called discover. They said that XXXX XXXXXXXX list the payment and was never cashed. Discover said they put a stop payment on the check and issued a new XXXX check to XXXX XXXXXXXX. Then I received a notice from discover I was over my credit limit snd my credit score was decreased. I gave credit monitoring. So XXXX XXXXXXXX cashed both XXXX checks sent. Now Im over in discover and have lost sbout XXXX points in my XXXX XXXX XXXX one at discover will help me get this fixed. I want my credit repaired and XXXX sent back to XXXX XXXXXXXX. Please help!
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account and since they did so I can not make payments on the phone. I ca n only do it on the Internet. I could not get to the Internet in time for my payment due the month of  XXXX   2016  and again on the month of  XXXX   2016 . I was told both times when I called in not to worry, since I can not make payments on the phone just do it as soon as I had Internet access. Both times I was assured there would be no late fee. I took Chase at their word. As it turns out they lied. I noticed there was a late fee on my most recent statement and then I decided to verify the same issue I had back in  XXXX   2016 . Sure enough a late fee charge. I contact ed Chase and they said only one charge will be reversed.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

My name is  XXXX . I have  Federal Plus Student  Loans and the principal amount is {$140000.00}. This went into repayment as  a Consolidated Loan w ith my original loan servicer in  XXXX . I defaulted on these loans, some time there after, approximately  XXXX ,  XXXX . After much effort, I work with the   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  to rehabilitate my loans as part of their rehabilitation loan program more then two years ago. For reasons they worked with me reduced my payment based on my income. By  XXXX   XXXX  my monthly payment was $  XXXX  per month.  <P/> On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX  informing me that my defaulted student loans has been sold to  American Education Services.  This is the first time I had an idea that my loan was in default. The following month, I received a notification that  XXXX   XXXX  now owns my loan, and I now have an estimated balance of {$340000.00} with interest. I was also informed that my monthly payment due  XXXX   XXXX ,  XXXX  will be {$2200.00} for the next 350 months.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I received a collection letter fro m Credit Control Services aka C redit Collection Services dated  XXXX   XXXX ,  2017  stating that I owed {$58.00} and offered me to settle it for {$46.00}, which I did on  XXXX   XXXX ,  2017 . Firstly, this company did not notify me of anything else before or after t his. Credit Control i s in violation of the FCRA requirement that a consumer notice shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. Secondly, the account was added after a payment had been made and finally have failed to verify the debt. Supported, by my call : On  XXXX   XXXX ,  2017 ,   XXXX   XXXX   XXXX    sent me a message that this company added this debt. I called Credit Control Company, a nd spoke to  XXXX  a collection agency representative who could not find the account or any information pertaining to the debt. I informed her that my call is recorded and have the conversation should it be needed. I verified if I was speaking tp the correct organization which she confirmed as accurate but had no such account. The company is in violation of my consumer rights to notify me of this debt and that it would be reporting to a credit agency and moreover failed to validate the debt even though I had already paid it.
Consumer complaint received 2020-12-31
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 (VA)

I have been unable to withdraw my money from my Venmo account as a result of being unable to add a bank account to transfer the money to. I made multiple attempts to add 2 different bank accounts through both automatic and manual account verification methods without success. 

I requested assistance from Venmo four times and each request has been ignored, despite the automatic reply to my message from Venmo saying someone would respond to my request within 24 hours. 

The first request for assistance was made on XX/XX/2020. The second request was made on XX/XX/2020. The third request was made on XX/XX/2020. The fourth and final request was made on XX/XX/2020.
Consumer complaint received 2017-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OH)

I recently sold several items on  XXXX   XXXX  and through my personal Pay Pal account that was already set up for years with Pay Pal ...  XXXX   XXXX  sent my money through Pay Pal to be deposited into my credit union account i.e.  XXXX   XXXX   XXXX . I was not informed by either  XXXX   XXXX  or Pay Pal that my money would be held for months by Pay Pal before it would be deposited into my  XXXX   XXXX   XXXX  account.  <P/> Essentially Pay Pal decided without informing me that they would " disperse '' the monies owed to me " whenever they felt I was qualified to receive them ''. Surprising to me since I have had several Pay Pal accounts active for many years including credit/loan accounts. Pay Pal essentially knows me very well, thus there is no reason to " hold '' my money for my " protection ''.  <P/> I believe this is a classic example of Pay Pal not disclosing " clearly or at all '' to consumers that they will hold one 's money after they sell an advertised item on  XXXX   XXXX .  XXXX   XXXX  supports this collusion since they only use Pay Pal a company they have a close business relationship to " disperse '' funds owed to consumers.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDICO. INC (SD)

I have been making monthly payments to them, when I called to set up another payment with  Credit Collections Bureau,   XXXX  said I have legal paperwork for this but then took my payment. I have had a different situation with this company where they tried to sue me for someone else 's debt and we were going to court on this and they dismissed it. I have not been notified of such lawsuit against me as well as the first initial letter they sent me to give me my 30 days to validate the debt had they would take legal action on me as well, again another FDCPA violation.