davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (IN)

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, "
Consumer complaint received 2024-07-17
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P. (PA)

I refuse to pay {$720.00}. I first became aware of this debt when I received a collection report on XXXX XXXX. I am no longer responsible for this debt and XXXX XXXX XXXX  was aware many times that I could not afford to pay the original payments due to unemployment and unforeseen circumstances such as part-time jobs only. Also, I spoke to them about a payment agreement many times before and I was able to pay it off for what I could afford. So, I do not recall where this {$720.00} is coming from since I also have not used the card in over a year. This company has harassed me on multiple occasions. They will blow up my phone all hours before XXXX XXXX  and after XXXX midnight and throughout the day. They would also send various emails and call me from different spam numbers when I would block the original number, and they would call from different parts of the world. I refuse to pay.
Consumer complaint received 2024-07-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

XX/XX/year> I came in the store Macy for bought 2 Items and I was award percent in items if I open their credit card, I agree, and they opened their credit card Macys for me they gave more simple for me XX/XX/year> I came back store Macy, I return all Item and all simple they gave for me date XX/XX/year> After that date, credit Macy store sent the bill to me, and they request me to pay money with no any item charge from their store also no any Item out of their store I am not drive of my car, with no driver license, so that My friend help me go the store and I was supervisor store Macy help The supervisor Macy Store, they check on my statement, They none see I none used in card and I none bought any in the store, They do not to know and they called Macy store and I request them Closed account credit macy card, I request them cut card from credit macy sent to me, and Supervisor and her co-worker cut of it before me and my friend Now macy store credit always harassment me, they called me ussually, they sent statement and they charge interest I none pay money for them when I did not used any and I did not buy any from their store I was called COMPANY MACY CREDIT CARD, I request stop harassment, because I no owed them any. BUt they continue to abused my information and they always harassment me from called me to sent the bill to me Although I was report to POLICE CORD CORD, but they still continue to abused my information and harassment me me again, even I was request them put this case into the court, I will appear in COURT and hearing solve from Court, But they did not and they still harassment me in my life This is reason I would like to report to CFPB and to request CFPB solve because I want hearing in COURT from MACY store Complaint, IF they none put this case into the court complaint .... I will put this complaint into the court and It is default for Final JUDGMENT Compensation {$2.00} XXXX for me, because they intentional to made my credit before USA, and CALIFORNIA
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NC)

This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with IC Systems and even filed complaint with XXXX  and still no resolution. Let me clarify, this does not belong to me IC Systems # XXXX {$530.00} Collections. I have even attempted to dispute with CA 's because the collection was never validated and I never received a notice 30 days prior to inserting on my credit. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done.
Consumer complaint received 2024-07-17
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Under the doctrine Estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted LVNV Funding on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV Funding a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an 3 accounts on my credit that does not belong to me. I asked LVNV Funding to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV Funding and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe LVNV Funding. You can not because this is not my debt nor do I owe LVNV Funding anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM LVNV Funding NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Consumer complaint received 2024-07-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Complaint and demand to explain how many " loans '' under zero % interest XXXX has and with whom ; for which " litigation '' case and names of attorneys whose fees were billed to XXXX in the amount of {$220000.00} between XX/XX/XXXX to present time. Explain why she was charges XXXX times {$24.00} " late fee '' between XXXX XXXX to present time for every single transaction and the source of payments received by PennyMac on XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX in excess of XXXX 's payments. Demand to provide a hard copy of the Servicing Agreement and copies of all insurance payments for over {$350000.00} of " fees and charges '' received by PennyMac and real Servicer Wells Fargo bank from any Insurer : The Department of Veterans Affairs or any other party who paid these {$350000.00} fees and charges. For example, On XX/XX/XXXX PennyMac received {$35000.00} non-borrower payment with late fee {$24.00}. Please disclose the source of this payment.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Thank you for your response, but after reviewing the information provided I noticed some inaccuracies in the documents you provided that go against rights as a consumer according to the CFPB. 

According to your Account Summary Report you mentioned the Date of Last payment was XX/XX/XXXX, when my credit report states the Date of Last Payment was XX/XX/XXXX. Also in your letter you mentioned the account was charged off on XXXX XXXX but according to my consumer report/credit report it shows the Last Active Date of XX/XX/XXXX and XX/XX/XXXX. 

Based on the multiple inaccuracies you provided, they are highly injurious to my credit report, credit score, and it violates my rights as a consumer. With this debt I did not have the opportunity to dispute. I did not receive proper notification. If in fact you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it. 

Based on legal consultation, The debt collector could face a fine from the government or a claim from the customer that the company violated the FCRA. The government recently fined one collection agency XXXX XXXXXXXXXXXX XXXX for systematic failures in determining accurate dates of first delinquency.
Consumer complaint received 2024-07-13
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

Under the doctrine of the estoppel by silence, engelhardt v gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please remove my hard inquiries from my credit report. I been asking XXXX to remove them.
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. (IL)

I was investing on the XXXX platform for awhile. I was able to hold crypto there, however they quit hosting it and my crypto had to be transferred to blockchain.com. It was my only option. This was like XXXX of this year. I didn't touch anything after the transfer but did log in to make sure it went through. This past two days I've tried to log into my account. I did once, and tried to sell my crypto and it gave me error messages with no explanation. Suddenly I couldn't log in. I used my secret recovery phrase in an attempt to change my password, and that gave me an error message as well. I have a photo of these words, and I tried to type them in about 25 times, another error message. I tried to get help from their contact us. I was told to send screenshots of my errors. I was told at one point that they could see that my crypto good, I must be logging in under the wrong account. Finally I was told there is nothing they can do and my money is lost forever.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (FL)

Home Depot uses Citi for their store credit account. The bank/Citi sent me a special deal on which I could charge up to {$6000.00} and if I repaid the account in full on 12 mos or less, I would pay no interest. I accepted the deal and bought flooring for my house. I repaid the loan in less than 12 months. In the first part of 2024, I received a mailing from Home Depot/Citibank threatening me that if I did not charge something using the credit card they would lower my credit amount from {$6000.00} XXXX {$2500.00}, I call Citibank and told them I did not need anything and lowering the credit limit would hurt my credit. They said you either use the card or they would lower the amount. I told them to cancel the account. Citibank lowered my credit by XXXX points for the lower amount and another XXXX points for cancelling account. In XXXX I received XXXX new cards from Citibank with the same account. Called them, nothing they could do but call credit bureau and charge my credit another XXXX points. Home Depot stated they were not aware Citi Bank was doing that. I asked them to call XXXX XXXX but did not do that. How many thousands of others were blackmailed by Citi bank. As a XXXX XXXX of XXXX and XXXX  XXXX XXXX XXXX XXXX FDIC, why would a bank blackmail and hurt someones credit for nothing?
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ZuntaFi Corp (MN)

I and husband were in XXXX bankruptcy and I was still paying a little each month ( even during covid ) and no amount was being applied to the principal. I emailed the service provider in XXXX of 2023 to ask why and to also ask why that this account was showing up delinquent in Husbands credit report. He is a co-signer but also in XXXX. 

Was told that all would be fixed and applied correctly and for the husbands credit report it was but now I am back on full payments and I see the last XXXX payments ( XXXX ) that only XXXX has been applied to the principal. Just wondering if this is fair and correct The principal is for XXXX and inpaid interest balance is almost XXXX and then the collection on top of that is almost XXXX so my little loan is now costing me XXXX
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NY)

As the XXXXXXXX XXXX XXXX XXXX 501 ( c ) ( 3 ), I made a payment to a contractor usin

g PayPal. PayPal reported to me that the payment would have no fees and reported the gross and net of the transaction as being the same, even after the payment was submitted.

The recipient reported to me that in fact, PayPal did charge fees, which I would have no way of knowing if that hadn't been reported to me.

This practice has been going on for YEARS. I have to constantly dispute transfers where PayPal charges fees on the recipient end and doesn't report it on the sender end. How much money is PayPal skimming off the top with this deceptive practice? I've asked them multiple times to stop this practice, but they continue unabated.

I have multiple personal PayPal accounts and have seen this happen when transferring funds between my own accounts, so I've seen it happen to myself, but I'm including a current example in the attachment.
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: CLGF Holdco 1, LLC (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I ' ve attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (TX)

On or about XX/XX/year>, I made a {$220.00} payment to my credit card issued by Aspire. Payments were made via debit card and were processed within 24 hours, therefore, my available credit limit typically reflected any payments made within the same time period. By XX/XX/year>, I noticed that my payment had been posted to my account, however, my available credit showed as {$0.00}. I called Aspire support to figure out why my available credit showed as such, despite my balance being well under my credit limit. I was told that my account was under review by their fraud department. I requested to be transferred to the fraud department to obtain more information and was not only given attitude by the representative but was also scolded on the use of my card; according to the representative, I paid my credit card too frequently. This explanation struck me as odd and I went to review my monthly statements ; upon review, I noticed that due to me diligently paying my account, I had not been charged any interest. When I confronted the rep about this he essentially said that the frequent payments caused me to spend more than my credit limit. This makes absolutely no sense, because no single transaction ever amounted to more than my credit limit. My suspicion is that Aspire closed my account due to their inability to charge me interest, in addition to their annual fee. Lastly, any cash back that I earned by paying my account diligently is being held. I consider this to be malicious, fraudulent and discriminatory conduct. Any help regarding this matter is greatly appreciated.
Consumer complaint received 2024-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

My credit report currently contains XXXX different accounts in collections from Transworld Systems. They were originally reported as debts from XXXX XXXX and XXXX XXXX. The total amount of these XXXX accounts is just over {$1300.00}. I have never opened accounts with XXXX XXXX or XXXX XXXX and I believe these debts are fraudulent. I spoke with a representative from Transworld on XX/XX/XXXX after receiving a copy of the original bill from XXXX XXXX which lists an address in XXXXXXXX XXXX for the original account. I have never resided in Texas and can verify same through utility bills, DMV records and lease agreements. The representative gave me instructions on how to dispute the debt. I provided proof of address along with my actual utility bill from my home in XXXX  during the time period from which these accounts were being charged, per the representative 's instructions. I also provided a copy of my Identity Theft Report from the FTC. Since that time I have not received any response from the company nor any updates regarding my accounts. I called TSI this morning to inquire about the status of my claim and was informed that my ID theft report was not received nor reflected on my account.