davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Savvy Money, Inc. (IL)

My credit report shows I am delinquent but I have not open accounts that are delinquent. 
Only open account I have are mortgage company and I pay in time. 
A bank loan that for RV that I pay on time. 
I was in XXXX  XXXX bankruptcy three years back and paying the trustee. 
XXXX XXXX in Illinois. 
My credit report shows paying two of three on time. 
No clue what account is not being paid on time.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

PayPal banned my account, without clarification what is my violation.

i need my PayPal account back, for my Business payment Platform.

then suddenly they sent me an email that " you can no longer do business with PayPal ''
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX has a debt from Midland funding stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX XXXX informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since XXXX was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX XXXX informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since XXXX was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.
Consumer complaint received 2023-05-25
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. (MI)

I contacted transunion and sent all documents they required to remove hard inquiries that I do not recognize and not mine. I sent an FTC report by mail I sent police report by mail I also faxed and I have sent my documents to them already and called all companies and sent proof to transunion and neither companies neither transunion removed inquiries that I did not authorized neither done by me. I have called them and they said they cant find mail and also they said that I have to send them letter again and always is the same when they should remove all inquiries that are not mine. Here are the inquiries not mine 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 
I need transunion to remove inmediatly Innacurate information all those inquiries are fraudulently put in there by transunion and need them removed. Also please do not authorized any company neither transunion to place any fraud alert or freeze without my consent. Please do not place any alerts or anything without my authorization.
Consumer complaint received 2023-06-07
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. (AL)

In accordance with the fair credit reporting act XXXX account theres are several accounts that violates my rights. 15 USC 1681 section 602 stated I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also stated a consumer reporting agency can not furnish an account without my written Instructions. 15 US code is 1681a - rules of construction exclusion exception as provided in paragraph The terms consumer report Any reporting containing information solely as two transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

The following hard credit inquiries appeared on my credit reports XXXX XXXX, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with XXXX, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX  XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX 2. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 3. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX 4. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 5. XXXX  XXXX XXXXXXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 6. XXXX XXXXXXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 7. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX 8. XXXX/XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-03-03
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. (CA)

This is my 1st 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 alleged fraud or extortion. 
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 Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX U S DEPT OF EDXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LT17 Services LLC (SC)

I am getting calls from LT Services Group and a lone back in XXXX that I I did not take out. What is troubling is that this company has my information as if I did take this loan out. A loan that can be settled for {$500.00}. I asked them who the loan was with. The lady on the phone told me XXXX XXXX XXXX. I've tried to look them up and CAN NOT find them or get an adequate number. I received another call from this company and they said they were forwarding my social to county services I suppose for a judgement against me. I asked if I would get a letter in the mail to which she responded that they were an " eco friendly '' company and they do not use paper. I asked her to confirm that my information would be sent to my email. I have not received any document dation on this debt. This company has very little recent information about me. The caller also claimed false information about where I have previously worked. This company also has information on my most recent car which was bought in XXXX. I am worried that my identity may have been stolen.
Consumer complaint received 2023-02-02
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I contacted the company by letter and expressed that the debt in question was due to stolen identity. I was told that the would investigate this issue and get back to me. 
I received a letter stating that the information was correct. My problem is this my information was taken and used with out my knowledge and or permission. The letter that I sent to the company asked for copy 's of a sign contract, video and or me using this card all that the was able to tell me is that the application was completed on line and their investigation was correct. I sent a proof removal letter and a copy of the XXXX XXXX XXXX letter.
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (MT)

Was served court papers from "  XXXX   XXXX   XXXX   XXXX   XXXX  saying I owed them money. I wrote to the company  XXXX   XXXX ,  2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  XXXX   XXXX   XXXX   XXXX , again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (HI)

I am writing to file a formal complaint against ( XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMEN ) regarding their improper debt collection practices. It has recently come to my attention that the collection agency has engaged in harassing and intimidating behavior towards me and my family members. 

Specifically, the collection agency has contacted several of my family members in an attempt to obtain personal information about me. They have discussed sensitive information such as my payment history and debt, which is a clear violation of my privacy rights. Despite my repeated requests for legal documentation and proof of any contract between myself and the collection agency, they have failed to provide adequate evidence. Instead, they have only provided general information about the debt they claim to have purchased.They have only provided the fact that their letter to my old address was not returned to sender and the history of purchasing the debt even tho they have already been charged off by the original creditors. Thats not sufficient information and has no proof of my contract with original merchant ( signature, copy of Id, etc ) Furthermore, the collection agency has resorted to threatening and unprofessional language when contacting my family members. This behavior is unacceptable and is causing undue distress to both myself and my family. 

I believe that the actions of MIDLAND CREDIT MANAGEMEN and XXXXXXXX XXXX are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). They have failed to provide sufficient proof of the alleged debt, and their attempts to intimidate and harass me and my family are egregious violations of consumer protection laws. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against the above collection agencies, Their inaccurate information and unethical behavior must be addressed to ensure the fair treatment of consumers. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I open a credit card with capital one. The credit is {$500.00} and I have been keeping up with the payments. I payed off most of the fees leaving me with {$200.00} balance. After failing to make the next payment my fees increased. I made a payment of {$50.00} which is what I had I was not able to pay anymore at the moment. I woke up the next day and the company charged my account {$40.00} in past due fee. I asked for this charge to removed and the company did not comply.
Consumer complaint received 2023-01-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

It's been XXXX days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.
Consumer complaint received 2017-07-14
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: SYNCHRONY FINANCIAL (FL)

I pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all three bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.
Consumer complaint received 2023-06-05
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: Mr. Cooper Group Inc. (PA)

In accordance with the fair credit Reporting act ( XXXX ) account number XXXX has violated my rights. 
15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 a Section 2 : it also states the consumer reporting agency can not furnish AN account without my written instructions.

15USC 1666 B : a creditor may not treat a payment on a credit account under an open-end consumer credit plan As late for any purpose.
Consumer complaint received 2023-06-05
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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My FTC XXXX number XXXX Please delete the items as soon as possible.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

Hi, My name is XXXX XXXX, and I filed a bankruptcy dispute with Experain. I filed this disputed because I received a letter From XXXX XXXX saying they deleted a bankruptcy record. I spoke with a manager from Experain, and he assured me once I sent in proof of the letter from XXXX XXXX they would delete the record. Today I received notification from Experain saying that the bankruptcy will remain. A supervisor from Experain said that it would be deleted once they receive this letter, I sent this letter as they requested. Since Experain did not honor their word, I am filing this complaint. Experain should not assure things to customers and then go back on their word. I would like the bankruptcy deleted from my Experain credit report. I would also like an updated copy of my credit report when this has been deleted.