davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (CA)

Dear CFPB, I want to report Identity Theft from Real Time Resolution, a DEBT COLLECTOR, on an account established without my authorization. Real Time Resolution [ XXXX ] created account # XXXX on my property XXXX XXXX XXXX, XXXX, CA XXXX without my authorization. I never contracted with XXXX and there is no agreement between XXXX and myself, XXXX XXXX. XXXX is attempting to collect on a debt, fraudulently created a loan account. 

Therefore, I sent a demand letter to XXXX to verify, validate and authenticate their alleged account agreement under my consumer protection rights under FDCPA, FCRA, FCBA, CFPB and CA ROSENTHAL ACT [ see COPY ENCLOSED ]. 

In addition, recently it was brought to my attention by a XXXX XXXX XXXX XXXX than an Assignment of Deed of Trust was recorded on my property on XX/XX/XXXX, by Real Time Resolution [ see COPY ENCLOSED ]. 

Most recently, XXXX IS THREATENING TO FORELCOSE and filed a Notice of Default on my property at the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX [ see COPY ENCLOSE ]. 

Even if this alleged account was valid, per your CFPB Issues Guidance to Protect Homeowners from illegal Collection Tactics on Zombie Mortgages dated XX/XX/XXXX It is illegal for debt collectors to sue or threaten to sue to collect debts past the statute of limitations. 

Im requesting for CFPB to act against XXXX for their intentional fraudulent, deceptive, and threatening behavior to foreclose on my property. 
To Demand for XXXX to cancel the Notice XXXX XXXX and Expunge the Assignment of Deed of Trust recorded on my property. I will also be filing Identity Theft Report with the Internal Revenue Service [ IRS ] and Federal Trade Commission [ FTC ]. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-08-31
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 (OH)

To Whom It May Concern, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that there might have been a misunderstanding or an error leading to this unfortunate decision. 

First and foremost, I wish to emphasize that I have always been committed to upholding PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. It has come as a shock to me to discover the restriction on my account, as I have been a dedicated PayPal user, valuing the services it provides. 

I kindly request that you consider re-investigating my case thoroughly. I am confident that a closer examination will reveal that there has been some mistake in labeling my account as in violation of PayPal 's policies. The limitation has caused a significant disruption to my online transactions and financial activities. 

I understand that PayPal has a responsibility to ensure the security and integrity of its platform. However, I sincerely believe that my account has been unjustly penalized. I would greatly appreciate the opportunity for a fresh review, providing any necessary documentation to support my case. 

In conclusion, I implore PayPal to carefully reconsider the decision to permanently limit my account. I believe in the fairness of your processes and remain hopeful that this matter can be resolved in an equitable manner. Restoring my account would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal as a service. 

Thank you for taking the time to read and consider my appeal. I eagerly await your response and remain open to providing any further information that might aid in the review process. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
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. (NY)

IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.
Consumer complaint received 2024-04-10
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)

I looked at my credit report on XX/XX/XXXXXXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I would like to request a detailed description of the verification or modification process for each account listed below : 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 I am exercising my rights under the Fair Credit Reporting Act to ensure the maximum possible accuracy of the information on my credit report. As such, I kindly request that you provide me with a thorough explanation of the actions taken regarding the mentioned accounts. 


Please look into this matter provide the requested information at your earliest convenience. 


Awaiting your prompt response.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, XXXX XXXX XXXX  received {$740.00} from XXXX XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) FEIN XXXX, received the amount on the same day. After couple days, XXXX noticed that XXXX account suspended due to a fraud activity. Wells Fargo insisted that it was filed by the sender 's Bank ( XXXX ). The sender and his bank did not file a complaint. Wells Fargo not giving any answer who filed the complaint. It is a serious matter because people sending money through XXXX. It will not be possible to change the email because it is attached to website of XXXX. It is requested that the XXXX account should be restored on the ground that there is no fraudulent activity.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Consumer complaint received 2023-10-06
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. (TX)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2024-04-10
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. (AL)

I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also according to 26 USC 166 a charge off is taxable and considered to be income so can NOT be put on the credit report and needs to be removed immediately. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXX charge off XXXX XXXX charge off XXXX XXXX XXXX  XXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXl need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Old capital one credit card, a limit of XXXX and it was misused by capitalone so I closed the account voluntary and it will not remove intentionally from XXXX in an attempt to get me to purchase their monitoring services. I dispute the items along with cred adj company a third party I never conducted business with.in which it is fraud and violates fair credit rep
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2019-06-06
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. (TN)

I am so disappointed how XXXX, Experian and XXXX XXXX investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied Collection Services, Inc. (Nevada) (LA)

I do n't remember the exact day that this company intially contacted me but it was in XX/XX/XXXX. A male contacted me and it sounded like he was trying disguise his voice. He stated that I had received money from XXXX XXXX back in XX/XX/XXXX and I could go to jail for stealing money. As explained to him that I never heard of this company and that would contact the proper authorities. So I then tried contacting the number listed for the company XXXX only to get an voicemail. So I was never contacted again. I went to check my credit report and it Now been on my credit report fir 4 months in the amount of {$380.00}. I checked the reviews on the company on today and it looks like I am not the first person and if they are not stopped I will not be the last! I have not received any money from this company please help!
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc. (GA)

I was in the hospital in the summer of 2021. I was paid my hospital soon after my release. In the last 60 days Ive received communication a collection agency called stallings financial on behalf on XXXX XXXX XXXX XXXX. I found out out that theyre a separate bill from a XXXX that i saw that i did not receive. Upon talking to the XXXX of the employees the specialists office ; i was told that the bill was sent to the wrong address since i moved a couple or so after the hospital stay in 2021. Upon calling my insurance, i was told that the bill was not submitted to the insurance unlike the other bills that were reviewed. I contacted the specialists office to let them know they need to resubmit the bill and talk to the debt collector so they can remove the reporting they made on my credit. The office wont do a thing until they hear back from the insurance meanwhile the debt collector keeps on contacting me and telling me to tell the XXXX infectious XXXX to call them and give them an update. I dont think it make sense for these individuals to hold my credit XXXX for their mistake of not billing the insurance and not communications properly that i would receive XXXX different bills from the hospital.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX  is reporting a late payment for the month of XX/XX/2023. However, the monthly payment was made and submitted to XXXX XXXX  on XX/XX/2023. Therefore, there should not be a 30 day late reporting.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I received online notification from all three credit bureaus on that IC SYSTEM Collections placed a Collection account on my credit report in the totals of {$1500.00}. I do not have an account or agreement with IC SYSTEM Collections. IC SYSTEM Collections violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.
Consumer complaint received 2024-04-10
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)

It has been over 4 business days and Equifax, XXXX, and XXXX continue to willfully not comply with section 605b. I am not requesting the blocks and deletions of these accounts in error. There is no material misrepresentation and I have not benefited from these open accounts. I have originally created this dispute to multiple addresses being on my report and my belief that my information was being misused and shared. This has lead to multiple unrecognized accounts that I am requesting to be blocked and deleted. Please stop this behavior that is damaging my personal life as a consumer.
Consumer complaint received 2023-09-26
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I received online notification from all three credit bureaus on that ENHANCED RECOVERY COMPANY place a Collection account on my credit report in the totals of {$63.00}. I do not have an account or agreement with. ENHANCED RECOVERY COMPANY. ENHANCED RECOVERY COMPANY violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.
Consumer complaint received 2023-08-29
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: JPMORGAN CHASE & CO. (MI)

I have made a transaction using my Chase Freedom Credit card to purchase a flight ticket on XX/XX/2023. Later, I have decided to change the flight ticket date and tried to contact the Merchant but XXXX  never responded. There is an option in their portal to request cancellation and XXXX  will let me know whether I will get the refund or not. But they have canceled my ticket without my approval or confirmation. They have given me {$10.00} of refund out of {$670.00}. I have tried to reach to XXXX but they never responded to me. 

I have disputed the transaction with Chase company and submitted the required documentation. Chase team keep denied my dispute and they did not provide any response. They keep providing me the reason that my transaction is valid and can not issue credit. I have contacted them multiple times and they ask me to submit the documentation every time I call them. I have re-opened claim for 6 times in past 3 months but they keep giving me the same reason. Today, they told me that the timeline has already passed the timeline and they can't issue credit for my transaction of worth {$660.00}.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services is trying to collect on a medical bill that was already written off through FREE CARE from the XXXX  Physicians office. They failed to remove this collection from my credit report even though they have in their possession the letter provided from the actual provider 's office and the office stated they have informed Pheonix finanacial services that they have updated their records to reflect that nothing is owed.
Consumer complaint received 2024-04-10
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. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-04-10
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. (IA)

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.

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.