davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CA)

I have been contacting One Main Financial for over a year, at least before XXXX of this year ( XXXX ). I have XXXX past accounts with them. Records show that XXXX loans were paid off as a requirement in the process of obtaining additional funds. I also just found out about the lawsuit regarding " Additional Products '' refund, to which I believe I have claim & my complaint now includes. My initial complaint though is as follows : Because I had some records damaged in XXXX, I contacted One Main Financial in good faith, to replace my documents. As the consumer, & original creditor, I never thought once this would be a problem. I requested original copies of loan applications/ contracts, & past statements, what would be a full & total accounting of EVERYTHING I had paid including any fees, to One Main Financial for ALL loans. To date ( XX/XX/XXXX ) they do have the documents and to be clear, after MUCH time, effort, numerous calls & emails, I have finally received contracts for the above-mentioned accounts. However, after the original request, MANY re-requests, phone calls & more emails for the accounting, I only always receive a document that I can not easily read let alone understand. For sure I have NEVER received the corresponding statements to any of the loans. It makes sense to someone there, but it is foreign to me. I have reached out to One Main Financials Legacy Team like 50+ plus times contacted management, etc., anyone I could think of to please just send statements. This includes Executive Office Customer Care ( XXXX ) XXXX XXXX, Executive Vice President & Chief Operating Officer, XXXX XXXX, Executive Vice President ; Spoke to XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, to a main supervisor supposedly, XXXX XXXX XXXX XXXX, XXXX XXXX @ XXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ( XXXX ) stating someone would be following up by XX/XX/XXXX. That never happened. Ive sent emails, soo many emails, and now they have just stopped responding. I want One Main Financial to send me statements for ALL loans, for the duration Ive had with them. I want One Main Financial to send me a legible, understandable accounting of what I paid out for each loan, including any and all FEES! I want One Main Financial to acknowledge in writing, any viable claim on my behalf as it applies.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (AL)

I am writing in response to a dunning letter received from XXXX XXXX XXXX is a debt collector regarding the above-referenced account. Please be advised that I am a victim of identity theft and a data breach, and I do not acknowledge any debt associated with the account number referenced above. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease and desist all communication with me in relation to this alleged debt, except as required by law. 
Additionally, I request that you provide the following documentation for my review : 1. A copy of the original contract with my original wet-ink signature.

2. A detailed private and public account ledger concerning the alleged account. 
3. An explanation of how you obtained my non-public personal information without my written consent, in potential violation of Section 6801 of the Gramm-Leach-Bliley Act ( GLBA ).

Please note that under Generally Accepted Accounting Principles ( GAAP ), accurate and complete record-keeping is required, and I expect full transparency regarding the origin and details of this alleged debt. 
Furthermore, I reference the case of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX 2010 ), which reinforces that debt collectors must adhere strictly to the FDCPA standards in their collection practices. Failure to provide the requested documentation or to cease communication will be considered a violation of my rights under this act. 
This letter is sent in good faith and clean hand, and I request your prompt compliance with my demands. If you fail to comply, I will pursue all available legal remedies to protect my liberties, including but not limited for statutory damages and pursuit of happiness. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX All Liberties Reserved Without Recourse
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

That was XX/XX/XXXX, there was a notice from my PayPal app saying " you can no longer use paypal '', and have a messege saying " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy, especially the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or other products that present a risk to consumer safety. As a result, your account has been permanently limited, and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement Section, Restricted Activities, and actions we XXXX take. You must remove all references to PayPal from your website and or auction, including removing PayPal as payment option. The PayPal Logo and the PayPal Shopping Cart, Any bank or credit card information linked to your PayPal account can not be removed, nor can it be used to create a new account. You can still log in and see your account information, but you can't send or receive funds. If you have funds in a PayPal balance, we'll hold it for up to 180 days. These funds XXXX be used to satisfy any obligation policy, including potential liabilities to third parties and to PayPal for each violation of Acceptable Use Policy, including liquidate damage. After that period, we'll email you and with information on how to access any remaining funds. If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owned to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal service and are not permitted to open new additional PayPal accounts. '' I was shocked, they accusing me having XXXX XXXX XXXX XXXX XXXX, etc, wich is not true and without any evidence, and the permanently limit my account and hold my savings, but still wait for XXXX they given for my funds, but after 180 days they took my XXXX php, that was XXXX XXXX, please help me back my money,,
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Federal Adjustment Bureau, Inc. (OH)

Fabco is reporting an eviction filing that was dismissed and removed from court record because the management company filed an unlawful fraudulent filing. They are telling me it doesn't matter that it will remain on my record for 7 years which is preventing me from getting a place now. I'm already suing the management company for the fraudulent things that they did and are still retaliating against me. Now they are trying to say I owe money for some bogus charges from the move out. They said they sent a letter out but why would you send a letter to an address you know I moved out from. So now in a battle with disputing these charges. They sent all kind of bogus pictures but where is the receipt for this bill u claim u paid. I tried to pay my rent the next day after i moved out and the online access was locked. hen i called the rental office she said just wait till you get your move out inspection notification. I said I'm not paying a late fee but once again it has been added. The judge who ruled on the case keeps telling them my bills in my name does not reflect as part of my rental lease. whatever bills I have been separate and are mine. So once again they are claiming they paid a bill. When we went to court, they claim the same thing and the water company never receive a payment and they stole money out of my rent payment. The money to this day was never found and everybody acted like they didn't know where it was. This whole company XXXX XXXX and the XXXXXXXX XXXX is very unprofessional and fraudulent. The people in the office do what they want to do, and the corporate office isn't very much any better or of any help.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

I require AMEX to answer and provide me with the documentation to the following questions : What was the Max the application was run for?

How did the all caps name get from the account receivable at receiving my card and then swapped to account payable turning my credit card into a debit card?

Provide the original instrument on the underlying obligation. Unless it's normal business practice for AMEX to restrict trade and performance.

Who is the original creditor? If AMEX is not the original creditor, then I require AMEXs mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate.

Provide the ( GAAP ) generally accepted accounting principles for this account.

Provide a certified copy of the Ssa-89 form prior to the initiation of this account.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUSSRQ Holdings, LLC (VA)

Oliphant USA , LLC placed a collection on my credit report without contacting me about the alleged debt a not allowing me my right to dispute and investigate. Had they done this they would have found this debt was included in a debt consolidation program with XXXX XXXX XXXX and has been paid in full ( proof attached ). In my previous complaint they responded to the CFPB and said they would remove the negative entry on my XXXX report. They did but to date, it still shows active on my XXXX report. 

After I complained to the CFPB they then decided to send a collection letter to my home and Im immediately responded with a request for validation. What they sent was a general collection letter and some kind of spreadsheet with no unidentifiable information. Not on any letterhead. No receipts/invoices from original creditor. This is unacceptable. 

However, this is all a moot point since this debt has been satisfied and This agency is trying yo collect in an already satisfied account. 

I want this agency to remove the collection from my XXXX report and a cease and desist letter immediately.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, account number:XXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX XXXX XXXX, account number : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

Accounts are coming back as verified I am not aware of the accounts that are showing on my report. I am demanding a removal immediately. If there Is any further information that is needed please don't hesitate to reach out to me email. Please remove these accounts immediately thank you - XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX balance {$400.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00}, and XXXX XXXX balance {$18.00}. Along with these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (IL)

I have filed disputes with all three credit bureaus about a bankruptcy on my file. The response has only been that it is factual which it is not. One of the inaccuracies is the date it was filed. Another thing is that one of the debts i included In my bankruptcy is still being reported which is showing late/or missed payments. Which is effecting my score negatively even after the bankruptcy. There has been no proof only stating the information is verified by XXXX. Which they have responded my information is suppressed and has not been shared. I also have a court document stating they have not shared any information with bureaus which verifies no research has been made. Its false information and can not be proved.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (TX)

A hard inquiry was made on my credit report that I do not recall authorizing, and to my knowledge, I did not apply for credit with your company at that time. Under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 604 ( a ), a company must have a permissible purpose and my explicit consent to access my credit report.

I am formally requesting the following actions to be taken : Provide proof of permissible purpose under FCRA 604 for conducting this hard inquiry. This includes providing documentation such as a signed application or other verifiable proof of my explicit consent for this inquiry.

If such documentation can not be provided, I request that this inquiry be immediately removed from my credit report, as it would otherwise be considered unauthorized under the FCRA.

Why it matters : Hard inquiries negatively affect a consumer 's credit score. If this inquiry was made without proper authorization, it is an unjustified action that violates my rights under the FCRA.

Timeline and Next Steps : This hard inquiry is scheduled to remain on my credit report for two years. Failure to provide documentation or remove the inquiry will leave me no choice but to escalate this matter, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for a violation of my rights under federal law.

Please provide written confirmation of the actions taken within 30 days, as required under FCRA 611 ( a ).
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

A collections report appeared on my credit report from CREDENCE RESOURCE MANAGE for and " XXXX XXXX  '' account opened in XX/XX/year> that went to collections in XX/XX/year>. I did not open any new accounts in XX/XX/year>. I have received no bill notifications. I have no knowledge or access to this account. I have confirmed with XXXX XXXX XXXX  that I do not have any overdue balances on my real account. This is a fraudulent charge.
Consumer complaint received 2023-03-10
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. (GA)

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

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-23
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: EQUIFAX, INC. (FL)

I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. 
I reached out to XXXX XXXX. They DO NOT SHOW THIS ACCOUNT REPORTING IN MY NAME OR SOCIAL. They refer me back to Equifax. And once again I am getting the run around and victimized by the credit bureau and the creditor repeatedly. 

So, if XXXX XXXX says " they are reporting this account under the correct persons name and info NOT mine '' so why is Equifax refusing to remove this. I am caught in a trap of ignorance at Equifax and blatant refusal to remove an account that is clearly NOT suppose to be reporting in my name.