davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they made an unauthorized request for my credit report from XXXX according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail with a set of questions. 

After a back and forth that took several months with FIRSTBANK requesting more personal information that I didnt particularly want to share with them on XX/XX/2020, Mr. XXXX XXXX from FIRSTBANK finally acknowledged their mistake and proceeded to correct the unauthorized credit inquiry, but that was only after I sent a copy of my Drivers license and Social Security card as they requested. 

On XX/XX/2020, Mr. XXXX XXXX declined my request to return the copy of my Drivers license and Social Security card allegedly because they are required to keep documentation about their clients. 

Please, ask FIRSTBANK to return the copy of my Drivers license and Social Security card that I only sent to them to validate my identity and correct a mistake of their making. Im not a client and dont feel comfortable with FIRSTBANK having a copy of my personal documents. The only thing that they have proven is that they cant protect confidential information from their own employees.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (PA)

I enrolled in the program Self about two years ago because I was trying to build my credit. I do make my monthly " credit builder '' payments on time each month. I am being charged an additional XXXX $ for a Self Cred Card that I never received in the mail, never activated it or used it before, therefore I have never paid on a Credit Card that I have never received or used. It is my understanding that they reported this to the Credit Bureau in the beginning of XXXX and I am trying to dispute this off of my credit as this is not my fault and I am trying to get a Mortgage, which this caused a huge damage in my credit score. I did try calling the company and the guy seemed to not understand anything I was talking about or asking and at the end of the call told me there was nothing they could do to help me.
Consumer complaint received 2024-06-04
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. (CA)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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.

604 A Sect 1- States a consumer reporting agency can not furnish an account without my written instructions.

1681 c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of info or any other adverse item of information other than records of convictions of crimes which dates the report by more than XXXX.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

XXXX, I filed a complaint with the XXXX  against Synchrony Bank for sneaky practices. I was offered a XXXX loan via PayPal through XXXX XXXX XXXX XXXXXXXX to purchase film equipment the loan money coming from Synchrony Bank. They claim there is no interest due on any purchases if paid in 6 months, however, I noticed while making scheduled payments my due amount was going higher. I contacted Synchrony Bank and learned they charge their own fee every month if said item is not paid off in the first month - this is essentially an interest fee they charge while hiding behind the advertisement that no interest will be charged if paid off in 6 months. 

This is very sneaky and when a payment is missed which I have since missed three payments they charge a rate of well over {$40.00} for late fees. Which I thought was not legally allowed. There is a lot of information online about Synchrony Bank ruining people 's credit scores charging whatever they choose for late fees and advertising no interest while charging their own monthly late fee. Synchrony Bank has not responded to the XXXX  and has since lost its accreditation. 

I don't understand why PayPal still uses this bank other companies ' their practices are crude and should be stopped. I would like to do what I can to help people realize any loan through Synchrony Bank will surely have a great impact on their credit as well as put them in the position of making it very difficult to pay off. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

XX/XX/2023 ProCollect XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Contact me sometime in late XXXX/early XXXX advising that I owned {$83.00} for un unpaid utility bill. I advised I had NO idea what this was about, never heard of the company, nor had I received any info until this call. The lady on the phone was very rude and advised me to file a police report. I requested that she send me the details of the debt so that I could further investigate as this seemed to be fraud with my ss #. This week I checked my credit and it was reported to XXXX. I contacted ProCollect today and inquired as to why it was reported on my credit report when I have yet to receive any further documentation and or information. the lady explained that the debt was owned as of XX/XX/XXXX and they had sent notifications. She could not tell me what address these were sent to. She did ask if the address on file at the time was accurate and I advise yes but I have never recvd anything in regards to this matter at my current address. She advised that they did receive my request via email to provide all documents for me to further review although I am confident this is not my debt and someone used my SS # to be approved for utilities with 10 XXXX XXXX XXXX XXXX. She said this would take up to 30 days to receive this info. So here I sit with my credit score reduced by XXXX points due to a {$83.00} debt that I was never made aware of until a quick phone call and it reported to XXXX XXXX.
Consumer complaint received 2024-07-15
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. (CA)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-08-30
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: Credence Resource Management, LLC (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CREDENCE RM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that CREDENCE RM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for CREDENCE RM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDENCE RM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDENCE RM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-06-16
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: ENCORE CAPITAL GROUP INC. (GA)

To Whom It May Concern : This letter is regarding account # XXXX, which you claim {$2100.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My contact information is as follows : XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (NY)

I am submitting this complaint against XXXX XXXX XXXX because based on their consumer history report of me I am unable to open an account with other financial institutions at the moment. I am filing a complaint against all of the diminishing details they have of me causing this to happen. I do not recognize any of the discrediting transactions made on my account because my accountwas compromised electronically in the past thus revealing my personalinformation to fraudulent personnel making those transactions possible. Therefore, I am disputing those transactions and all of the defamatory information of me on my consumer report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AL)

The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXX, chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (IA)

I received a letter in the mail today about my wages being garnished after a judgement was files against me by XXXX XXXX XXXX XXXX. I never received notice of a court date or of being sued for any unpaid debt. This debt was bought by them in 2023 and I was unaware at the time that I had any debt with them previously. I barely make enough to have food as it is, if they are able to take my wages my daughter and I will barely be able to afford to live. Im terrified and angry that these people think its okay to target low-income families for a debt I was not even able to verify.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PREFERRED MORTGAGE CORPORATION (PR)

Email : XXXX An email was sent to request the revision of the XXXX XXXX file since one or more documents were found with unauthorized signatures. 

The Purchaser ( s ) Signature dated on XX/XX/2020 was not signed by me nor did I give authorization to create the digital signature used on document AMENDATL XXXX. 
The Purchaser ( s ) Signature dated on XX/XX/2020 was not signed by me nor did I give authorization to create the digital signature used on document " Amendment to the Sales Contract, Change Finance Type or Escrow Amount ''.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently tried to resolve the fraudulent, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my daily life, resulting in substantial emotional distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account PORTFOLIO RECOV ASSOC ( Account Number : XXXX, Original Creditor : XXXX XXXX 
Date Opened : XX/XX/year>. XXXX {$600.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXXXXXX XXXX and I do not have any contract with PORTFOLIO RECOV ASSOC.
Consumer complaint received 2023-06-15
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: CITIBANK, N.A. (MD)

I made a payment with Macy 's credit card company on XX/XX/2023 in the amount of {$460.00}. I received a noticed on XX/XX/2023 from XXXX informing me XXXX XXXX my account is in the negative and my credit card from Macys is reporting a late charge. I attempted to resolve my concern with Macys requesting documentation of the all the dates they attempted to take the money from my account and documentation showing they notified me about the payment not being process. When asking for that information I was told by the " collecting dept '' they have no way to provide me documentation of the information I am requesting. I spoke with several people from Macys trying to resolve my issue but no one was or could send me the information. I also informed each representative and supervisor from Macys the only information I received was on XX/XX/2023 letting me know the payment was completed.
Consumer complaint received 2023-06-15
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: Marlette Funding, LLC (TX)

Over the past year I have compained to both Best Egg and XXXX about the attached account, where as best egg is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached. 

The account listed above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 2024-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Paypal is the worst and most incompetent XXXX XXXX XXXX on XXXX XXXX, and here 's why : They implement security locks on your Account that are random, broad, arbitrary, prejudicial, incompetent, and indiscriminate. Paypal has a Rating of F- at the BBB, - XXXX at XXXX XXXX They outsource everything to the XXXX, and XXXX and No one employed at Paypal has been trained, has disclosure upon ; including but not limited too : how to help Fix your Account, understand or diagnose any problems, XXXX & know Any technical aspects whatsoever irrespective if your speaking to the XXXX different Departments they transfer your Call too the same Result to your Acct is being Permanently Locked out by Security!!! 
in sum : Paypal puts you in a metaphorical Transactional Prison Each & Everytime and they don't give a XXXX!! If you want to burn minutes of your Life for no reason or recourse call Paypal. The XXXX Department and Fraud Departments are outsourced as well to XXXX world nations.Everything they do or Not do at Paypal is driven by a Bot, programmed geeky dichotonmous linear Algorythms that jail you as no one employed at Paypal or on XXXX XXXX can understand, provide insight, competently diagnose, deliver status updates, provide in reality an ETA of legitimacy to actually Fix, understand, Remedy or Restore your Account whatsoever!! 
By anyone 's stretch of imagination as these Paypal representatives are Not Trained their XXXX has a vested interest too kerp them stupid so they can line their own pockets. XXXX XXXX and XXXX XXXX started Paypal they should buy it back and Burn it to the XXXX!!! Paypal XXXX frankly have their heads up their collective Paypal XXXX!!! In Fact Paypal collects XXXX of millions in Unearned usury Exploitive transaction fees that are Criminal and when they do not disclose something anything & make repeated errors in communication, disclosure, and instructions in your Account management they still charge you with No recourse by you or your proxy.These paypal XXXX plug assclowns are 1000 % incompetent XXXX worlders in All Remediation they still Charge you like the Giant Parasite they are likened to a Huge Financial Tick Sucking your blood till you lose consciousness into perpetuity!!! Paypal 's XXXX, XXXX, and ignorance in the XXXX Alienates their customers to jump ship everyday to competitors who dont treat them as # XXXX on an xlsv spreadsheet!!!! Like me!!! 
Paypal has Locked my account just for attempting to send a meager sum of {$130.00} payment to a XXXX attempted to be charged to my cc. 
If you make a 'mistake and accidently select goods & services ' instead of 'friends & XXXX ' like I did Paypal XXXX XXXX your Account and Lock its settings for Punitive Fraudulent activity at Random without Notice or Any Explanation!!! They did this to me and they will do it to you Guaranteed - the only item they XXXX is screwing the customer from behind and charge you fees for it.I hate Paypal and You will TOO if you don't already!!!