davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC (GA)

On XX/XX/XXXX I received a letter from Valor Intelligent Processing and immediately disputed the debt because its not mine. I asked for the debt to validated and gave them ample time to submit the documents I requested. Now here it is XX/XX/29 and it's suddenly popped up to my credit report, damaging my credit when they've NEVER submitted documents to prove this debt is mine when it's not. At this time I wish to file a complaint not only against the collection agency ( Valor Intelligent Processing ) for failure to comply written documentation to prove the alleged debt is mine. But I also wish to make an official complaint against XXXX for failure to properly validate the debt before applying it to my credit profile.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (IA)

GOT A EMAIL SAYING SOMEONE APPLIED FOR A DESTINY CREDIT CARD, NO CARD EVER CAME TO MY ADDRESS, THEN I GOT AN EMAIL SAYING I APPLIED FOR CREDIT CARD PROTECTION. 
I DON'T KNOW THE DATE OR THE AMOUNT BECAUSE I NEVER APPLIED FOR THIS CARD.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 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
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX is the original account And XXXX XXXX is attempting to collect on the debt that I have no knowledge of nor did I apply for I asked for verification and proof of an investigation and never received any information from the companies Nor the credit agencies that they are reporting to which is reflecting on my credit.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX we ordered meals for our student from XXXX XXXX. The food was spoiled and children were sick. The sauces were smelly and looked rotten. We paid {$270.00}. When we did a dispute, visa told us that they do not refund or give credits for things like this. Yet we are liable for paying the credit off.
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc. (MI)

XXXX XXXX having debt XXXX. harass me for account XXXX XXXX XXXX XXXX is the collection agency. In the screenshot below they clearly state that if I write back to them asking for PROOF all collections will be stopped and it has not. According to law 15 usc 169c ( c ) this law clearly states if a consumer refuses to pay a debt the debt collector must cease all communications, this includes reporting to my credit bureau.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION (AL)

Well the Company did not seek to help in my situation in any way there motive was to get the property to foreclose so that I would lose the fight I didn't see any help even with a hud counselor so I didn't have a chance either way but to file XXXX XXXX bankruptcy to fight back they are not concern about the consumer it's about getting you out and gain more profits using 3rd party people to do their dirty work
Consumer complaint received 2023-12-17
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: Experian Information Solutions Inc. (TX)

On XX/XX/, I check my credit report and noticed it was inaccurate for XXXX XXXX, XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 days.
Consumer complaint received 2018-09-15
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (MT)

This is a serious complaint against my XXXX XXXX credit card. I have been making numerous complaints but the issue is still unresolved and nobody is taking any action. I do receive a call from XXXX every month in order to collect a debt but its hard to make them understand that its not a debt that I owe. I purchased a few things from XXXX but when I was asked to make a payment, the system didnt process and the very next day I was charged a late fee + interest charge. I requested the staff if thy could waive the late fee but she talked it in an extremely rude manner and refused to waive the late fee. As a result, I returned everything back to XXXX. Why should I buy from XXXX when they cant learn to communicate respectfully? Even though I received the refunds credited back to my account but XXXX is constantly charging late fee and interest on a late fee. And now theyre expecting me to pay {$130.00}. I wonder wats the motto of these credit card companies - torture their customers and force them to commit suicide. This is ridiculous. And I have been seeking help from CFPB yet fail to receive a single response. I hope u dont ignore my request this time and try your best to resolve the issue. 
Thank you for your consideration
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MD)

In XXXX of XXXX, called XXXX and cancelled my ex-wife 's cell phone and ported the number to XXXX. Sometime later, I received calls saying that I owed money on the account. From what I remember, XXXX did not disconnect a data account that was supposed to have already been disconnected. When asked about this, I told the rep what happened and they researched the issue and told me that nothing else needed to be done. 

Today ( XX/XX/XXXX ), I received a call from Amsher Collection Agency who told me that I owed a bill with XXXX. I sent them a dispute today and also told them what happened. Since this is the second time I'm handling this, I want confirmation that this has been resolved. I also want {$1000.00} as a statutory violation and if this isn't done, I plan to sue Amsher for the {$1000.00} violation. There is also a violation of the statute of limitations. Amsher claims they recieved this debt on XX/XX/XXXX, however, this is a matter that dates back XXXX XXXX, so I have no documentation regarding this account.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (FL)

This is not correct. I had debt with rent debt as of XXXX that I paid and settled XX/XX/XXXX, now I spoke to a representative today. They refuse to talk to me and refuse to resend the correct paper that states that is paid off. Please check the records and phone calls from XXXX! Not XXXX!! Why would I be complaining about a 2 year old debt, the representative also stated that this account will be removed. Rent debt sent a paper that says the wrong balances.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { ALL OF THESE INQUIRES WERE FRAUDULENTLY ADDED TO MY CREDIT REPORT AND NEED TO BE REMOVED ; TRANSUNION : XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Consumer complaint received 2023-05-10
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 (OR)

Dear PayPal Customer Support Team, I am writing to you regarding the permanent limitation that was placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed by mistake, and I would like to submit a complaint to appeal this PayPal decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always complied with the terms and conditions of PayPal, and I have never engaged in any fraudulent or illegal activities. Therefore, I am confident that this limitation is a result of a misunderstanding or an error on PayPal 's part. 

Secondly, I would like to request PayPal to re-investigate my case thoroughly. I understand that PayPal has strict policies and procedures to protect its customers, and I respect and appreciate that. However, in my case, I strongly believe that the limitation was placed unfairly and unjustly. Therefore, I kindly request you to review my account again and consider restoring it if possible. 

In conclusion, I would like to thank you for your attention to this matter, and I look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or clarification. I hope that we can resolve this issue in a timely and amicable manner. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have been having problems with this issue. No one knows why my information is incorrect frequently or why I can not receive my credit report that I paid for. I also tried to get this first with the annual credit report, but I was unable to obtain it.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (PA)

I only purchased chicken tenders, nothing else! XXXX employee did NOT give me receipt as they ran out of receipt tape!! The other items on the " alleged '' transaction are NOT mine!!!
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a fraudulent auto loan that was opened in my name without my consent or knowledge to XXXX XXXX XXXX My name is XXXX XXXX, and I recently discovered the existence of this fraudulent auto loan during a routine review of my credit report. It has come to my attention that someone, without my authorization, obtained an auto loan in my name, and I am deeply concerned about the implications of this fraudulent activity on my financial well-being. 

I promptly reported this incident to the appropriate authorities, including contacting the major credit bureaus to place a fraud alert on my credit file and filing a report with my local law enforcement agency. I have also taken steps to notify the lender associated with the fraudulent loan and dispute the inaccurate information on my credit report. 

Identity theft and fraudulent financial activity have serious consequences, both financially and emotionally. I am distressed by the potential damage this fraudulent auto loan could inflict on my credit history and future financial opportunities. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter and ensuring that my rights as a consumer are protected. I request that the CFPB investigate this case thoroughly and take appropriate action against the parties responsible for perpetrating this fraud.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Credit Karma (MA)

Credit Karma is like a blood sucking mosquito that led me to a site that was supposed to reduce my existing car lone. Instead I get an offer that saves me nothing and I get a XXXX point reduction on my credit rating. Also can't stand getting continually bombarded by there constant advertisements. They truly are not helping anyone and lining there pockets on the hopes and dreams of unsuspecting consumers.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft, and I recently pulled a copy of my credit report online and found that you are reporting the following inaccurate information in my file that is negatively affecting my XXXX XXXX I have given notice to the creditors regarding this matter as well as the other XXXX major credit bureaus of this matter that who have rectified these issues at hand. As of today XX/XX/, Transunion is being put on notice via phone and United States Certified Mail Receipt.
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (AZ)

I have gotten numerous emails, letters and advertisements saying I'm pre-approved for a loan, only to be told I don't qualify. This puts a hit on my credit, reduces my credit, harms my credit, etc. This is ridiculous!
Consumer complaint received 2023-07-27
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. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Consumer complaint received 2023-04-20
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. (AL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my Transunion credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ),  I have the right to request validation of the debt owed.
Consumer complaint received 2018-09-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Filed a Dispute with Experian in regards to a account being reported as a late charge off on my credit report incorrectly. Experian Report Number XXXX results determined that no changes would be made to the account and continues to report as unpaid and late and it has been paid in full. Please remove from my credit report.
Consumer complaint received 2023-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Albert Corporation (NC)

Ive asked to cancel this service but it has still been on my account. Since I was charged I used again and the funds never came to my account. I was trying to avoid an overdrawn but it happened on top of the fee for instant cash that was never placed! Cancel account please