davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2023-10-03
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. (ND)

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 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 2023-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I hired " XXXX XXXX '' to conduct research and help with my civil case. I paid {$390.00} through PAYPAL and " XXXXXXXX XXXX '' provided no services and I had to go through civil litigation for over a year with no help or services. On XX/XX/XXXX, I contacted XXXX XXXX at " XXXXXXXX XXXX '' to refund my money for providing no services and received no response. 

On XX/XX/XXXX, I filed 6 cases, for 6 transactions, with PAYPAL in their " XXXX XXXX '' and was told all my transactions were, " ineligible for PayPal Purchase Protection. " ... ..Maybe so, but PayPal 's policy and legal policy do not supersede state laws or federal acts when it comes to theft.

So this complaint is against PayPal for Money Laundering, as defined, " When a business allows fraudsters to use them as a way to take people 's money, it is called money laundering. Money laundering is the process of illegally making an amount of money and hiding it to make it look like it was generated from legitimate sources. '' thank you.
Consumer complaint received 2024-04-04
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. (IL)

In accordance with the Fair Credit Reporting act, account XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Va XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear, XXXX, Transunion and XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding iteims listed on my consumer credit report : It has been over 30 days from the first letter was sent to XXXX, Transunion and XXXX send on XX/XX/XXXX. I have been ignoired and the Hard inquires have not been removed. 

Hard inquiries : XXXX XXXX XXXX  XX/XX/XXXXXXXX  needs to be removed not authorized by me XXXX  XX/XX/XXXXXXXX  needs to be removed not authorized by me Transunion XXXX XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX XXXX Inquired on XXXX XXXX, XXXX  needs to be removed not authorized by me XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX US DEPARTMENT OF EDU Inquired on XXXX XXXX, XXXX  need to be removed not authorized by me As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX/XXXX/XXXX  SSN : XXXX
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (CT)

I applied for a AXOS Bank business checking account. The application process took months while I gave them very sensitive information. Finally I was approved but then my application immediately cancelled. I find this is very shady and now this " Bank '' has my sensitive information. During the application process, they claimed my XXXX XXXX account was frozen which it was not. When I did check my XXXX XXXX account, I found out that this Axos Bank kept on submitting inquiries with different addresses that were incorrect. I only authorized Axos XXXX XXXX inquiry NOT XXXX! The Initial inquiry is XX/XX/2022 that has an incorrect address that is not mine. Inquiries on XX/XX/2022 and XX/XX/2022 that I DID NOT authorize, has an address that is not associated with my business. Axos Bank DID NOT use the correct address I gave them and have it on the application as a " mailing '' address instead of my business current address. As such, due to these inquiries that have erroneous information and Axos manipulating my application, has cause me to unable to get a checking account since the erroneous addresses are causing a red flag with the banks I am applying with. I believe this Axos Bank is scamming people to get their sensitive information and selling it. Since this application, I have been receiving a high level of spam mail and calls that I didn't have prior.
Consumer complaint received 2022-12-08
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. (NY)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent multiple sets of dispute letters and complaints alongside my FTC report but you there at Transunion are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number is XXXX
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and 30 days late payments for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/XXXX XXXX {$2100.00}
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (CA)

I ordered a copy of my report I XXXX  XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. believe it was reported in error. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I am trying to work through repayment options with Aidvantage. I first submitted a recalculation request, never received a confirmation in doing so and I am worried they will charge a late fee. 

I also tried to submit a payment while my loan was being reviewed using the same bank account I used before the XXXX deferment and they are now saying that I need to have my bank send them a letter because the previous payment was kicked back. There was no issue on my banking side so now I am unable to make any payments because their website wont accept it. 

All this happened on XX/XX/2023
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit report act the list of accounts has violated my federal protected consumer rights to privacy and confidentiality. Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account Number : XXXX. Account Name : XXXX XXXX XXXX. Account Number : XXXX. Has violated my rights 15 USC 1681 action 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C 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 record by 7 years. 15 USC 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 inaccurate
Consumer complaint received 2023-10-03
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)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-03-21
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: Resurgent Capital Services L.P. (AL)

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights.

15USC 1681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.

15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15USC 1666 B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Consumer complaint received 2022-12-09
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. (LA)

15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report plan as late for purpose.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-03
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: ADIR INTERNATIONAL LLC (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX AND TRANS UNION CREDIT AGENCIES is displaying an account from XXXX XXXX on my credit report. However, this account and balance do not belong to me. I have already sent a letter from XXXX XXXX requesting that the account be deleted, but XXXX has not yet corrected my credit report. XXXX XXXX has also sent a letter but my credit file has not been corrected yet. 
I HAVE ATTACHED AGAIN THE LETTER DIRECTLY FROM XXXX ADVISING THEY HAE SENT LETTER FOR REMOVAL AFTER RESEARCH
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.