davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

They have been calling excessively from XXXX XXXX XXXX and their caller ID says Advance America. They call once even twice a day and hang up without a voicemail, When I reported this to Advance America they denied it was them calling and said they didnt call well they called many many times and the worse part is today I was bullied about making payments and how If I pay one payment online there wont be proof of the past due amount which is nothing practically seeing as I had paid XXXX dollars on that payment.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I've had my savings in Capitol One 360 savings the past year, plus.

I've seen the account being advertised as 4+ % interest rate and believed that is what I was receiving during XXXX, however I've only been receiving 0.30 % I called ( XX/XX/XXXX ) and they notified me that I was not receiving that rate since I need to open a new " Performance Savings '' account. 
I opened the new account and also requested to be compensated for the difference since it's was deceptive marketing practices. They denied being able to compensate me.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (CA)

Hello, were still suffering financially from the after effects of covid. I have since been laid off again it was suggested we ask for a deferment or forbearance I was told that we had one deferment and unable to qualify for a forbearance and will not allow us to temp lower payments. Our contact at shellpoint mortgage XXXX XXXX said we can only qualify for a high repayment plan or suggested we sell. I told him I XXXX and that is not an option right now. I have spoken to so many people in similar or worse conditions and have been on forbearance for up to 180 days and received numerous deferments can you please investigate this. I believe theyre discriminating due to being XXXX and on XXXX
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This account was stolen by Portfolio Recovery Services and used under pretenses. It was covered by XXXX XXXX and resolved with the original credit grantor, namely XXXXXXXX XXXX  The bank has requested the return of this account as it was incorrectly listed as a collection account before the merger of XXXXXXXX XXXX The debt collector is aware of these things and has been trying to collect monies that are not owed. 

I have requested proof on several occasions to validate the origination of the bill, how this was assigned, the bill of sale, and receipts to validate the debt. I asked for the arbitration clause from the agreement to be sent so it could be applied to the insurance agency where the payment was remitted for theft. 

The company has refused to send me anything and keeps reporting inaccurate information to the credit bureau, impacting my job clearance. This debt collector keeps running inquiries against my name and social where it was not given to them to do so or conduct any business.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the consistent existence of inaccurate and fraudulent accounts on my credit report. After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. I have taken the necessary steps to report the fraudulent activity to the authorities. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA mandates a timely resolution of consumer disputes, typically within 30 days.
Consumer complaint received 2023-11-16
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$460.00} XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OK)

Two Credit Inquires reported to my XXXX Credit Profile : XX/XX/2024 - SYNCBLOWES XX/XX/2024 - SYNCBLOWESSCML I called to report and dispute the both inquires on XX/XX/2024. I was told that I would receive a letter in 7-10 business days. It has been over 3 weeks now.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (GA)

the following account is negative without furnishing any proof of verification of this debt or that you followed XXXX  laws and regulations to report, therefore you must remove XXXX  negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and XXXX XXXX XXXX. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (OH)

Formal Notice of Violations and Request for Remediation Dear CCS Collections, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner of how CCS Collections has handled my credit information. 
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within XXXX XXXX from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 
Moreover, I insist on CCS Collections provide a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. Done in good faith.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address a concerning issue regarding the inaccurate balances associated with charge off accounts on my credit report. Despite my previous attempts to rectify this matter, the incorrect balances persist, negatively impacting my creditworthiness and financial standing. 

It has come to my attention that the balances reported for the charge off accounts on my credit report are incorrect. Despite providing evidence and documentation to support the accurate balances, the discrepancies remain unresolved. This inaccurate reporting not only tarnishes my credit history but also undermines my ability to access essential financial services and opportunities. 

I urge you to conduct a thorough investigation into the balances associated with the charge off accounts on my credit report and take immediate action to rectify this matter. It is imperative that the accurate balances are reflected to ensure the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these charge off accounts in my credit file : 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 2024-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mr. Cooper Group Inc. (NM)

This entity does nOT have authority to sell my house. I paid the bank directtly from an escrow trust company already XXXX cash that paid off the loan of XXXX with XXXX, I paid off the taxes and the property is in appeal with the court and I seek damages for abusing me economically and legal harassment. THIS IS MY HOUSE I PAID IT OFF IN XXXX. 
WHO IS THIS COMPANY AND WHAT IS THEIR AUTHORITY TO RETAIN MY CASH AND ALSO SELL MY HOUSE IT IS I MY NAME AND I HAVE TITLE TO IT.
Consumer complaint received 2023-11-08
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: Medical Data Systems, Inc. (GA)

Credit of XXXX XXXX XXXX date stated XX/XX/2023. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.
Consumer complaint received 2024-01-22
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 (VA)

I am reaching out to you today regarding a limitation on my Paypal account. 

I woke up the morning ( XX/XX/year>XXXX  ) to an email notifying me that my account had been permanently banned with no warning. Upon receiving this email I waited for the call center to open and reached out. The gentleman helping me was very kind and courteous and left me feeling hopeful. I provided him with my excel spreadsheet of my business transactions, dates of service and how they matched each paypal transaction. He told me it could take up to 72 hours to hear back but he was pretty sure that the ban would be reversed because he could see no wrongdoing and was under the impression that the system may have just done a general ban versus a real person. Within 30 minutes I received a message on my paypal message portal saying that the appeal was denied. I reached back out through the phone and the service representative told me that yes it was denied and the account was gone. He told me there was not necessarily a break against the terms but that my account was just a possible risk to paypal so they were closing my account that had been in good standing for 4 years. He also stated I would POSSIBLY receive my {$600.00} balance at the end of 180 days. 

After thoroughly reviewing the terms multiple times, I am clear that I am not violating any terms of Paypal and would like my ban lifted. I do get mostly goods and services payments and am at the start of my business which is my livelihood. I complete surveys for sellers on products, websites, etc and utilize social media to create content. I do always ask that people send payments through goods and services but I can not control who sends me payments or how they do it. 

My case did go to appeals and I uploaded all my tax documents for the transactions requested. I had one pending claim open which I had already refunded to the customer. That claim was sided with me but I let the refund remain and did not ask to be repaid. When sent that notification I was also sent an email saying that my account was closed permanently because too many customers were unhappy with my business. This does not seem correct or valid considering Paypal sided with me. Other than this claim I had one other claim for {$11.00} which was also refunded to the customer. In all 4 years of my account being open these were the only 2 claims. This is not a pattern or a continued issue. 

I am happy to provide paypal with any information needed. Paypal is an essential part of my livelihood. However, whenever I reach Paypal will not give me a reason for my account closer but instead just tell me my account is closed and they will not give me emails, phone numbers or other means to talk to people who deal with the accounts. They have stonewalled me closed my account and help my funds.
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

Rocket Mortgage called me on XX/XX/XXXX. I just opened a loan in XX/XX/2021, so I thought there may be an issue. The person on the line stated that I was eligible for a reduction in my rates and then strangely engaged me in a weird conversation, I assume to feel out where I was financially without asking me straight forward financial information I finally asked her what was the purpose of the call and she said to reduce my rate and/or take additional cash out. I told her that I was not interested in additional cash out but if my rate could be lowered that would be good. She said that my rate could be lowered by XXXX to 1 % but she needed to pull my credit. I asked her if it was a soft credit pull and she said that it needed to be a hard pull in order for Rocket to obtain the information needed. I told her that I didn't want a hard pull because it will impact my credit score. She kept saying over and over that it won't impact my credit score and that it was the only way to determine my rate savings. I consented to having it pull and after it was pulled was told that my middle credit score was XXXX and that I could qualify for a less than one 1 % rate reduction if I paid {$4000.00} in discount points. I already paid {$4200.00} in discount points in XXXX for the high rate that they were trying to lower now by making me pay not only discount points but an additional amount for closing costs. My closing costs for XXXX was over {$7000.00}. My score did go down and I refused to agree to a refinance and asked for a loan estimate so I could understand the total fees for the loan offer. She said that they don't sent loan estimates because the rates could change the next day. I thought that is what a loan estimate does. I am angry that I fell for this churning activity and am really angry that my credit score is impacted. She kept on quoting the potential savings, if I stayed in my home for another 30 years. Deceptive at best. If I need to stay in my home for 30 years to reap the benefit of less than 1 % rate reduction for the second refinance, I guess it would be 60 years to cover the fees and points paid from the first and the second.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.